{"took":132,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7571,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2245848","_score":19.013357,"_source":{"product":"Debt collection","complaint_what_happened":"I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.","date_sent_to_company":"2016-12-16T20:16:52.000Z","issue":"Taking/threatening an illegal action","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"802XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2245848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2016-12-12T19:12:48.000Z","state":"CO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened arrest/jail if do not pay"},"highlight":{"complaint_what_happened":["I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory <em>processes</em> provided by the FDCPA <em>consumer</em> <em>protection</em> <em>law</em>. They have failed to respond to my <em>dispute</em> within 30 days and have failed to note on my report that I have issued a <em>dispute</em> which is required the FDCPA Section 807 ( 8 )."],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[19.013357,"2245848"]},{"_index":"complaint-public-v1","_id":"8172228","_score":18.716446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint against Experian for Failure to Follow Federal Law on Dispute Process Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to adhere to the federal law on the dispute process. On XX/XX/, I sent a certified letter ( XXXX XXXX : XXXX ) to Experian, including a copy of my ID and a utility bill as requested for the dispute investigation. \n\nDespite providing substantial evidence to verify my identity, Experian has not conducted the necessary investigation, as mandated by federal law. This lack of adherence to regulatory requirements is deeply concerning and has caused significant inconvenience on my part. \n\nI kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions against Experian for their non-compliance with federal regulations. \n\nThank you for your prompt attention to this matter. \n\nXXXX XXXX","date_sent_to_company":"2024-01-15T21:01:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"8172228","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-15T20:55:30.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint against Experian for Failure to Follow Federal <em>Law</em> on <em>Dispute</em> <em>Process</em> Dear <em>Consumer</em> Financial <em>Protection</em> Bureau, I am writing to file a formal complaint against Experian regarding their failure to adhere to the federal <em>law</em> on the <em>dispute</em> <em>process</em>. On XX/XX/, I sent a certified letter ( XXXX XXXX : XXXX ) to Experian, including a copy of my ID and a utility bill as requested for the <em>dispute</em> investigation."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.716446,"8172228"]},{"_index":"complaint-public-v1","_id":"8259225","_score":18.621492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, Request for clarification on the verification procedure for my dispute. \n\nI hope this letter finds you well. I am writing to file a complaint against Trans Union, regarding their recent response to my dispute. On XX/XX/2024 Trans Union responded stating that my accounts were \" verified and updated '' without providing any details about the verification process conducted. As a consumer, I have the right to understand how my disputes were verified and updated in accordance with the consumer protection laws.\n\nI kindly request your assistance in obtaining clarification on the following matters : 1. The specific procedure followed by Trans Union in verifying my dispute : a. Please provide information on the methods, techniques, and sources utilized by Trans Union to verify the accuracy and completeness of the information disputed.\n\nb. Kindly explain the timeline and steps involved in the verification process.\n\n2. The legal basis or consumer protection laws upon which Trans Union relied for the verification : a. Please specify the applicable laws or regulations that govern the verification process for disputes.\n\nb. Clarify the requirements or standards that Trans Union must adhere to under these laws.\n\n3. Documentation related to the verification process : a. I would appreciate receiving copies of all documents, records, or correspondence relating to my dispute verification to ensure transparency and adherence to consumer protection laws.\n\nb. If there are any specific guidelines or policies that Trans Union follows for verification purposes, kindly provide those as well.\n\nI believe it is within my rights as a consumer to receive timely and accurate information about my dispute verification process. Transparency is essential to ensure fair and just proceedings and maintain compliance with consumer protection laws.\n\nI kindly request your intervention in obtaining the necessary information from Trans Union. Your support in this matter will be greatly appreciated.\n\nPlease find enclosed all relevant documents and correspondence related to my previous dispute with Trans Union. If there are any additional details or specific requirements needed from my end, please do not hesitate to inform me.\n\nThank you for your attention and assistance in addressing this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-31T22:43:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64151","tags":null,"has_narrative":true,"complaint_id":"8259225","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-31T22:20:53.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Kindly explain the timeline and steps involved in the verification <em>process</em>.\n\n2. The legal basis or <em>consumer</em> <em>protection</em> <em>laws</em> upon which Trans Union relied for the verification : a. Please specify the applicable <em>laws</em> or regulations that govern the verification <em>process</em> for <em>disputes</em>.\n\nb. Clarify the requirements or standards that Trans Union must adhere to under these <em>laws</em>.\n\n3. Documentation related to the verification <em>process</em> : a."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.621492,"8259225"]},{"_index":"complaint-public-v1","_id":"11660046","_score":18.60543,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer service, failure to safeguard my account against fraudulent activities, and non-compliance with legal protections afforded under the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\nSpecifically, Cash App failed to take timely and effective measures to prevent and mitigate fraudulent activity on their platform, leaving my account exposed and unprotected. Additionally, the dispute resolution process employed by Cash App was both unfair and deceptive, falling short of the error resolution requirements mandated under EFTA and Regulation E. \n\nThese failures have resulted in significant financial losses and inconvenience to me as a consumer. The lack of proactive fraud prevention, coupled with an ineffective and legally non-compliant resolution process, represents a clear violation of consumer protection laws. \n\nI respectfully request that Cash App provide appropriate redress for these violations, including compensation for my financial losses and steps to ensure compliance with applicable laws moving forward.","date_sent_to_company":"2025-01-17T20:42:10.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"35811","tags":null,"has_narrative":true,"complaint_id":"11660046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-17T20:03:33.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, the <em>dispute</em> resolution <em>process</em> employed by Cash App was both unfair and deceptive, falling short of the error resolution requirements mandated under EFTA and Regulation E. \n\nThese failures have resulted in significant financial losses and inconvenience to me as a <em>consumer</em>. The lack of proactive fraud prevention, coupled with an ineffective and legally non-compliant resolution <em>process</em>, represents a clear violation of <em>consumer</em> <em>protection</em> <em>laws</em>."]},"sort":[18.60543,"11660046"]},{"_index":"complaint-public-v1","_id":"16901133","_score":18.00173,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding the dispute resolution practices of Chime. I have experienced repeated issues where my transaction disputes are denied without sufficient explanation or supporting evidence. Each time I request documentation showing how Chime reached its decision, I do not receive a response or any form of proof.\n\nAs a result of these repeated denials, I have lost thousands of dollars. Chime continues to state that no error was found without providing any transparency into their investigation process. When I attempt to file a rebuttal, I am told that new information is required ; however, if no new evidence exists, I am effectively left without any means to challenge their decision.\n\nThis process feels unfair, nontransparent, and inconsistent with standard consumer protection practices. I am requesting that the Consumer Financial Protection Bureau investigate Chimes dispute procedures to ensure compliance with federal consumer protection laws and to help recover the funds I have lost due to these unresolved disputes. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-10-29T17:56:36.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98188","tags":null,"has_narrative":true,"complaint_id":"16901133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-10-29T17:26:23.000Z","state":"WA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am requesting that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate Chimes <em>dispute</em> procedures to ensure <em>compliance</em> with federal <em>consumer</em> <em>protection</em> <em>laws</em> and to help recover the funds I have lost due to these unresolved <em>disputes</em>. \n\nThank you for your attention to this matter."]},"sort":[18.00173,"16901133"]},{"_index":"complaint-public-v1","_id":"11668982","_score":17.975391,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding their inadequate customer service, failure to address fraudulent activity, and non-compliance with federal consumer protection laws, including the Consumer Financial Protection Act ( CFPB ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\n1. Failure to Prevent and Address Fraud Cash App failed to implement sufficient security measures to protect my account from unauthorized transactions, despite industry-standard practices requiring financial institutions to take proactive steps in fraud prevention. When I reported fraudulent activity on my account, the response from Cash App was inadequate and dismissive. This lack of action resulted in financial losses that could have been prevented had they taken reasonable steps to safeguard my funds. \n\nXXXX. Unfair and Deceptive Dispute Resolution Process In addition to failing to protect my account, Cash Apps dispute resolution process was both unfair and deceptive. The company did not follow proper error resolution procedures under the EFTA and Regulation E, which require financial institutions to investigate disputes within specific time frames, provide provisional credits when applicable, and offer clear explanations regarding claim denials. Instead, I received vague and automated responses that did not adequately address my concerns or provide any reasonable justification for their decisions. \n\nXXXX. Violations of Consumer Protection Laws The actions of Cash App ( Block, Inc. ) constitute violations of consumer protection laws, including : The Consumer Financial Protection Act, which prohibits unfair, deceptive, or abusive practices in financial services.\n\nThe Electronic Fund Transfer Act ( EFTA ) and Regulation E, which set requirements for financial institutions in handling disputes related to unauthorized transactions. \nCash Apps failure to comply with these regulations has caused me significant inconvenience, financial loss, and undue stress. Their business practices demonstrate a clear lack of commitment to consumer protection, which should be addressed by the CFPB to prevent similar experiences for other users. \n\nRequested Resolution : I respectfully request the following actions be taken : A full refund of the fraudulent transactions that were improperly handled under Regulation E. \nA thorough review and investigation into Cash Apps dispute resolution process to ensure compliance with federal consumer protection laws. \nImplementation of stronger fraud prevention measures and improved customer service practices to prevent similar issues for other users. \nI am providing all supporting documentation, including transaction records, communications with Cash App, and any relevant case reference numbers for your review. Please let me know if additional information is needed. \n\nThank you for your time and prompt attention to this matter. I look forward to your response and a fair resolution.","date_sent_to_company":"2025-01-17T16:51:30.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"11668982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-17T16:21:10.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Their business practices demonstrate a clear lack of commitment to <em>consumer</em> <em>protection</em>, which should be addressed by the CFPB to prevent similar experiences for other users. \n\nRequested Resolution : I respectfully request the following actions be taken : A full refund of the fraudulent transactions that were improperly handled under Regulation E. \nA thorough review and investigation into Cash Apps <em>dispute</em> resolution <em>process</em> to ensure <em>compliance</em> with federal <em>consumer</em> <em>protection</em> <em>laws</em>."]},"sort":[17.975391,"11668982"]},{"_index":"complaint-public-v1","_id":"12784328","_score":17.939985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I attempted to submit a dispute regarding inaccurate information on my credit report on XX/XX/scrub>/2025. However, the company required me to call in and provide information that was not previously reported before they would accept my dispute. This practice appears to be an intentional barrier to the dispute process and does not align with fair credit reporting standards. \n\nI believe I have the right to dispute inaccuracies in writing without being required to provide new, unreported details over the phone. I request that my dispute be processed appropriately, and I ask for a review of these practices to ensure compliance with consumer protection laws.","date_sent_to_company":"2025-04-02T23:45:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12784328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-02T23:29:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I believe I have the right to <em>dispute</em> inaccuracies in writing without being required to provide new, unreported details over the phone. I request that my <em>dispute</em> be <em>processed</em> appropriately, and I ask for a review of these practices to ensure <em>compliance</em> with <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[17.939985,"12784328"]},{"_index":"complaint-public-v1","_id":"14541720","_score":17.863846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to COMENITYXXXX  regarding inaccurate and potentially unverifiable information on my credit report. Despite following all required procedures, XXXX  has continued to report the disputed information without providing proper verification or documentation. \n\nI did not receive any detailed explanation of the reinvestigation process, nor was I provided with evidence to support the continued reporting of the disputed data. This failure to correct or remove inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and raises concerns regarding XXXX  's compliance with federal consumer protection laws. \n\nI respectfully request the Consumer Financial Protection Bureau ( CFPB ) to review XXXX dispute handling and data verification procedures. I am asking that they be held accountable for : Ensuring only accurate and verifiable information remains on consumer credit files Following proper reinvestigation protocols under FCRA Providing full transparency in how disputes are processed and verified","date_sent_to_company":"2025-07-09T20:14:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94544","tags":null,"has_narrative":true,"complaint_id":"14541720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-07-09T20:05:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This failure to correct or remove inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and raises concerns regarding XXXX  's <em>compliance</em> with federal <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nI respectfully request the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) to review XXXX <em>dispute</em> handling and data verification procedures."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.863846,"14541720"]},{"_index":"complaint-public-v1","_id":"14542315","_score":17.572775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to EXPERIAN regarding inaccurate and potentially unverifiable information on my credit report. Despite following all required procedures, XXXX  has continued to report the disputed information without providing proper verification or documentation. \n\nI did not receive any detailed explanation of the reinvestigation process, nor was I provided with evidence to support the continued reporting of the disputed data. This failure to correct or remove inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and raises concerns regarding XXXX  's compliance with federal consumer protection laws. \n\nWhat Im Requesting : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to review XXXX dispute handling and data verification procedures. I am asking that they be held accountable for : Ensuring only accurate and verifiable information remains on consumer credit files Following proper reinvestigation protocols under FCRA Providing full transparency in how disputes are processed and verified","date_sent_to_company":"2025-07-09T20:05:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94544","tags":null,"has_narrative":true,"complaint_id":"14542315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-09T19:55:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This failure to correct or remove inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and raises concerns regarding XXXX  's <em>compliance</em> with federal <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nWhat Im Requesting : I respectfully request the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) to review XXXX <em>dispute</em> handling and data verification procedures."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.572775,"14542315"]},{"_index":"complaint-public-v1","_id":"15461417","_score":17.545517,"_source":{"product":"Debt collection","complaint_what_happened":"I rcenty discovered that a civil judgement was entered against me but i was never served with a summons. The failure of service violates my rights of due process and prevented me from disputing or defending my my case under FDCPA, 15U.S.C. 1692g. I am requesting that the CFPB require the company to provide proof of the proper notification and ensure compliance with consumer protection laws.","date_sent_to_company":"2025-08-22T07:06:53.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"231XX","tags":null,"has_narrative":true,"complaint_id":"15461417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lendmark Financial Services","date_received":"2025-08-22T06:30:07.000Z","state":"VA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The failure of service violates my rights of due <em>process</em> and prevented me from <em>disputing</em> or defending my my case under FDCPA, 15U.S.C. 1692g. I am requesting that the CFPB require the company to provide proof of the proper notification and ensure <em>compliance</em> with <em>consumer</em> <em>protection</em> <em>laws</em>."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[17.545517,"15461417"]},{"_index":"complaint-public-v1","_id":"12046740","_score":17.29812,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against CashApp ( Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal consumer protection laws, including the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\nFailure to Address Fraud and Protect My Account CashApp failed to take timely and effective measures to prevent and address fraudulent transactions on their platform. Despite their responsibility to implement adequate fraud prevention and consumer protection measures, my account was left vulnerable and unprotected, resulting in unauthorized transactions that caused significant financial loss and inconvenience.\n\nUnfair and Deceptive Dispute Resolution Process When I attempted to dispute fraudulent transactions, CashApps dispute resolution process was unfair and deceptive. The company failed to comply with the error resolution procedures required under EFTA and Regulation E, which mandate that financial institutions investigate and resolve disputes promptly and fairly. Instead, CashApp : Provided delayed, insufficient, or misleading responses to my inquiries. \nDid not conduct a thorough investigation or provide a reasonable explanation for their decision.\n\nDenied my dispute without proper justification, failing to adhere to consumer protection laws.\n\nThese actions demonstrate a lack of due diligence and disregard for regulatory obligations, leaving me without a proper avenue for recovering my lost funds.\n\nViolation of Consumer Protection Laws and Demand for Redress CashApps practices constitute unfair, deceptive, and abusive acts under the Consumer Financial Protection Act ( CFPA ). The companys failure to protect consumers from fraud, refusal to adhere to error resolution standards, and inadequate customer support have caused substantial inconvenience and financial harm.\n\nI seek appropriate redress for the violations committed by CashApp, including a full refund of the disputed transactions, a thorough review of their dispute resolution policies, and corrective actions to ensure compliance with CFPA, EFTA, and Regulation E. I urge the CFPB to investigate these systemic issues and take necessary enforcement actions against CashApp ( Block , Inc. ) to prevent further harm to consumers.","date_sent_to_company":"2025-02-21T20:39:47.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"34609","tags":null,"has_narrative":true,"complaint_id":"12046740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-14T01:46:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite their responsibility to implement adequate fraud prevention and <em>consumer</em> <em>protection</em> measures, my account was left vulnerable and unprotected, resulting in unauthorized transactions that caused significant financial loss and inconvenience.\n\nUnfair and Deceptive <em>Dispute</em> Resolution <em>Process</em> When I attempted to <em>dispute</em> fraudulent transactions, CashApps <em>dispute</em> resolution <em>process</em> was unfair and deceptive."]},"sort":[17.29812,"12046740"]},{"_index":"complaint-public-v1","_id":"11592810","_score":17.262123,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting a formal complaint against Cash App, operated by Block , Inc., on the grounds of inadequate customer service and unfair business practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on its platform, thereby compromising the security and protection of my account.\n\nAdditionally, the companys dispute resolution process was both unfair and deceptive, failing to adhere to the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in substantial financial loss and inconvenience. Accordingly, I am seeking appropriate legal redress to remedy these violations and ensure compliance with applicable consumer protection laws.","date_sent_to_company":"2025-01-20T15:02:52.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"11592810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-20T14:53:41.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, the companys <em>dispute</em> resolution <em>process</em> was both unfair and deceptive, failing to adhere to the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in substantial financial loss and inconvenience. Accordingly, I am seeking appropriate legal redress to remedy these violations and ensure <em>compliance</em> with applicable <em>consumer</em> <em>protection</em> <em>laws</em>."]},"sort":[17.262123,"11592810"]},{"_index":"complaint-public-v1","_id":"8643241","_score":17.246855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has failed to conduct a timely investigation, as required by the Fair Credit Reporting Act ( FCRA ), regarding my dispute. Despite multiple requests and attempts, Equifax has not fulfilled its obligation to conduct a thorough investigation into the inaccuracies on my consumer report. Instead, they have repeatedly restarted the investigation process without providing the method of verification or the results of their inquiries. This prolonged delay and disregard for FCRA guidelines constitute fraudulent behavior and demonstrate non-compliance with consumer protection laws. Additionally, Equifaxs unauthorized furnishing of my consumer report to third parties without my consent and without permissible purposes further exacerbates the situation. I demand immediate action to rectify these violations and ensure compliance with FCRA regulations.","date_sent_to_company":"2024-03-27T16:11:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"8643241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-27T15:57:34.000Z","state":"MD","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This prolonged delay and disregard for FCRA guidelines constitute fraudulent behavior and demonstrate non-<em>compliance</em> with <em>consumer</em> <em>protection</em> <em>laws</em>. Additionally, Equifaxs unauthorized furnishing of my <em>consumer</em> report to third parties without my consent and without permissible purposes further exacerbates the situation. I demand immediate action to rectify these violations and ensure <em>compliance</em> with FCRA regulations."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.246855,"8643241"]},{"_index":"complaint-public-v1","_id":"14557651","_score":17.241259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because there is inaccurate and potentially unverified information appearing on my credit report. I followed the dispute process as outlined under the Fair Credit Reporting Act ( FCRA ) and contacted the credit bureau and/or furnisher responsible, yet the disputed information remains on my credit file without proper validation or correction.\n\nDespite my attempts to resolve the issue directly, I have not received sufficient documentation to verify the accuracy of the information. I am concerned that this unresolved reporting is negatively impacting my credit score and overall financial standing.\n\nThis raises concerns regarding the credit bureaus and/or furnishers compliance with FCRA Section 611, which mandates that disputed information must be verified or removed within 30 days. Continued reporting of unverified or incorrect data may constitute a violation of federal consumer protection laws.\n\nWhat Im Requesting : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : Review this matter thoroughly and investigate the handling of my dispute Ensure that any inaccurate or unverifiable information is removed or corrected Confirm that proper reinvestigation procedures were followed Hold the responsible parties accountable for compliance with federal law","date_sent_to_company":"2025-07-09T20:55:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94544","tags":null,"has_narrative":true,"complaint_id":"14557651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T20:31:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This raises concerns regarding the credit bureaus and/or furnishers <em>compliance</em> with FCRA Section 611, which mandates that <em>disputed</em> information must be verified or removed within 30 days. Continued reporting of unverified or incorrect data may constitute a violation of federal <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.241259,"14557651"]},{"_index":"complaint-public-v1","_id":"11848613","_score":17.183807,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting this complaint against Flagship Credit Acceptance for failing to provide the legally required Notice of Right to Cure Default or Notice of Intent to Repossess my vehicle before initiating repossession proceedings. Despite my attempts to address this issue directly with the company, they have ignored my requests for compliance with due process.\n\n2. Violation Details : I financed my vehicle through Flagship Credit Acceptance ].\n\nI was not provided with a written notice informing me of my right to cure the default before any repossession actions were taken.\n\nI was also never notified about their intent to repossess the vehicle, violating state laws and consumer protection regulations.\n\nI reached out to Flagship Credit Acceptance twice to request proof that a legally compliant notice was sent. They have failed to respond both times, ignoring my requests.\n\nThis lack of notification prevented me from taking the necessary steps to cure the alleged default, leading to a violation of my due process rights.\n\nUniform Commercial Code ( UCC ) 9-611 requires lenders to send proper notification before repossession.\n\nState Repossession Laws mandate that lenders provide a notice of default and repossession intent.\n\nFair Debt Collection Practices Act ( FDCPA ) & Consumer Financial Protection Regulations require fair treatment and communication with the borrower.The company have also violated FCRA 1681s-2 ( a ) ( 3 ) Duty to Report Disputed Information If you dispute an account directly with the creditor or through a credit bureau , the furnisher ( Flagship Credit Acceptance ) can not report the disputed debt as accurate without first conducting an investigation.FCRA 1681c ( f ) Prohibition on Reporting Incomplete or Disputed Information If a dispute is under investigation, the creditor can not continue furnishing negative data until the matter is resolved.\n\nI appreciate the CFPB assistance in ensuring compliance with consumer protection laws. I look forward to a resolution on this matter.","date_sent_to_company":"2025-01-30T22:36:29.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77598","tags":null,"has_narrative":true,"complaint_id":"11848613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2025-01-30T21:52:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["I appreciate the CFPB assistance in ensuring <em>compliance</em> with <em>consumer</em> <em>protection</em> <em>laws</em>. I look forward to a resolution on this matter."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.183807,"11848613"]},{"_index":"complaint-public-v1","_id":"14870552","_score":17.105387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally state that Trans union has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically its duties under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations and forward all relevant information provided by the consumer to the furnisher of disputed information. \n\nDespite submitting documentation directly to Trans union in support of a dispute, the agency failed to forward the evidence as required by law. This failure undermines the integrity of the reinvestigation process and violates the consumer protections outlined in the FCRA. \n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Transunion, citing systemic violations of federal consumer financial protection laws. According to the CFPB, Transunion has engaged in practices that include, but are not limited to, neglecting to properly consider consumer-submitted evidence and failing to implement adequate procedures to ensure the accuracy and fairness of credit reporting. \n\nThis pattern of misconduct reflects a broader disregard for regulatory compliance and consumer rights. I request that this issue be escalated and resolved in accordance with all applicable provisions of the FCRA.","date_sent_to_company":"2025-07-26T04:39:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19018","tags":null,"has_narrative":true,"complaint_id":"14870552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-26T04:34:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite submitting documentation directly to Trans union in support of a <em>dispute</em>, the agency failed to forward the evidence as required by <em>law</em>. This failure undermines the integrity of the reinvestigation <em>process</em> and violates the <em>consumer</em> <em>protections</em> outlined in the FCRA. \n\nAdditionally, the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) has filed a lawsuit against Transunion, citing systemic violations of federal <em>consumer</em> financial <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.105387,"14870552"]},{"_index":"complaint-public-v1","_id":"11873990","_score":17.103027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. \n\nAs a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. \n\nPlease notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-31T20:56:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33174","tags":"Servicemember","has_narrative":true,"complaint_id":"11873990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T20:56:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The CFPB found that Equifax : Ignored <em>consumer</em> documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to <em>consumers</em> Used flawed software code in its <em>dispute</em> resolution <em>process</em> As a result of these findings, Equifax was ordered to bring its <em>dispute</em> resolution <em>processes</em> into <em>compliance</em> with federal <em>law</em> and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.103027,"11873990"]},{"_index":"complaint-public-v1","_id":"11873987","_score":17.098598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. \n\nAs a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. \n\nPlease notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-31T20:56:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33174","tags":"Servicemember","has_narrative":true,"complaint_id":"11873987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T20:56:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The CFPB found that Equifax : Ignored <em>consumer</em> documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to <em>consumers</em> Used flawed software code in its <em>dispute</em> resolution <em>process</em> As a result of these findings, Equifax was ordered to bring its <em>dispute</em> resolution <em>processes</em> into <em>compliance</em> with federal <em>law</em> and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.098598,"11873987"]},{"_index":"complaint-public-v1","_id":"11982120","_score":17.07785,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding inadequate customer service, failure to prevent fraud, and non-compliance with federal consumer protection laws, specifically the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\nNature of the Complaint 1. Failure to Prevent and Address Fraud : Cash App did not take timely or effective measures to prevent fraudulent transactions on my account, leaving my funds vulnerable. \nDespite notifying Cash App of unauthorized transactions, they failed to adequately investigate or resolve the issue, leading to financial losses. \n2. Unfair and Deceptive Dispute Resolution Process : Cash App did not comply with the error resolution requirements under the EFTA and Regulation E.\n\nThe dispute process was misleading, non-transparent, and did not allow for a fair review of fraudulent transactions.\n\nMy attempts to escalate the matter were met with inadequate responses and lack of proper resolution, further compounding my losses and frustration. \n\nImpact and Damages Due to Cash Apps inadequate handling of fraud prevention and dispute resolution, I have suffered significant financial losses, stress, and inconvenience. The companys failure to comply with federal regulations has resulted in an unfair burden on me as a consumer. \n\nRelief Sought I respectfully request that the Consumer Financial Protection Bureau ( or FTC ) investigate Cash Apps practices and require the company to : Issue a full refund for the disputed transactions. \nImprove its fraud prevention and resolution process to ensure compliance with federal regulations. \nEnhance transparency and customer support to better assist consumers affected by fraud. \n\nI appreciate your prompt attention to this matter and look forward to your response. Please let me know if you require any additional information..","date_sent_to_company":"2025-02-07T15:21:13.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"21703","tags":null,"has_narrative":true,"complaint_id":"11982120","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-07T15:13:18.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding inadequate customer service, failure to prevent fraud, and non-<em>compliance</em> with federal <em>consumer</em> <em>protection</em> <em>laws</em>, specifically the <em>Consumer</em> Financial <em>Protection</em> Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\nNature of the Complaint 1."]},"sort":[17.07785,"11982120"]},{"_index":"complaint-public-v1","_id":"11874039","_score":17.072641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. \n\nAs a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. \n\nPlease ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. \n\nPlease notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-31T20:56:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33174","tags":"Servicemember","has_narrative":true,"complaint_id":"11874039","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T20:52:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The CFPB found that Equifax : Ignored <em>consumer</em> documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to <em>consumers</em> Used flawed software code in its <em>dispute</em> resolution <em>process</em> As a result of these findings, Equifax was ordered to bring its <em>dispute</em> resolution <em>processes</em> into <em>compliance</em> with federal <em>law</em> and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.072641,"11874039"]},{"_index":"complaint-public-v1","_id":"11878979","_score":17.026405,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is a copy of the issue, outlined in a letter provided to Experian as with the initial complaint, Experian chose to reopen the dispute after the legally designated time from, neglecting to provide the method of investigation and sources investigated as requested in the initial complaint and required by law. \n\nSubject : Unauthorized Dispute Investigation & Non-Compliance with FCRA Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am writing to formally address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>. Your own prior correspondence confirms this closure, yet you have now taken the liberty to reinitiate an investigation without my authorization and beyond the legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ).\n\nViolation of Investigation Timeframe & Due Process The FCRA mandates that disputes be resolved within 30 days ( or 45 days if supporting documentation is requested from the consumer ). \n\nIn this case, you did not request any supporting documentation from me, and the dispute was closed on XX/XX/XXXX, XXXX beyond the permissible period for Experian to reinvestigate.\n\nYour unauthorized actions constitute non-compliance with FCRA regulations and infringe upon my rights as a consumer.\n\nImmediate Actions Required 1. Cease & Close Unauthorized Investigation This dispute was not initiated or authorized by me, and your continued investigation is improper and unlawful.\n\n2. Permanently Remove Disputed Items The disputed items included in my CFPB complaint must be permanently removed, as XXXX failure to investigate properly within the legal time frame invalidates the prior reporting.\n\n3. Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of compliance. You previously refused to provide this legally required information. Reopening the dispute post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of consumer protection laws.\n\nLegal and Regulatory Compliance Failure Experians unauthorized actions reflect a failure to uphold the integrity of the credit reporting process and demonstrate a clear attempt to circumvent accountability. Further, any attempt to retroactively amend or cover investigative deficiencies beyond the lawful timeframe will be construed as willful noncompliance.\n\nThis documented record substantiates a settlement demand for damages, as Experian continues to engage in unfair and deceptive practices that violate the FCRA, the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ), and due process rights afforded to consumers.\n\nPlease provide written confirmation that : 1. The unauthorized investigation has been immediately closed.\n\n2. The disputed items have been permanently removed in accordance with FCRA compliance. \n\n\nXXXX. A formal record of XXXX compliance failures will be documented and corrected per procedural standards.\n\nFailure to address this matter properly may result in additional regulatory complaints and legal action. Please confirm compliance with the above requests at your earliest convenience. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-31T07:11:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"618XX","tags":null,"has_narrative":true,"complaint_id":"11878979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T06:55:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of <em>compliance</em>. You previously refused to provide this legally required information. Reopening the <em>dispute</em> post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.026405,"11878979"]},{"_index":"complaint-public-v1","_id":"11640331","_score":16.938662,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.\n\nAdditionally, their dispute resolution process has been both unfair and deceptive. Cash App has not complied with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E, failing to provide the necessary protections and assistance to resolve fraudulent transactions. \n\nAs a result of these failures, I have experienced significant inconvenience and financial loss. I request appropriate redress for the harm caused and urge your office to investigate these concerns to ensure compliance with consumer protection laws.","date_sent_to_company":"2025-01-18T14:48:53.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"34711","tags":null,"has_narrative":true,"complaint_id":"11640331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-18T14:29:59.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the <em>Consumer</em> Financial <em>Protection</em> Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.\n\nAdditionally, their <em>dispute</em> resolution <em>process</em> has been both unfair and deceptive."]},"sort":[16.938662,"11640331"]},{"_index":"complaint-public-v1","_id":"2934728","_score":16.938555,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have lodged a dispute with XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.","date_sent_to_company":"2018-06-13T17:33:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80231","tags":null,"has_narrative":true,"complaint_id":"2934728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2018-06-13T17:01:36.000Z","state":"CO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have lodged a <em>dispute</em> with XXXX XXXX with the belief they have reported negative items to my credit report not in <em>compliance</em> with <em>Consumer</em> <em>Protection</em> <em>law</em>. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this <em>process</em> again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[16.938555,"2934728"]},{"_index":"complaint-public-v1","_id":"2899352","_score":16.938555,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.","date_sent_to_company":"2018-05-07T23:13:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92116","tags":null,"has_narrative":true,"complaint_id":"2899352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-05-07T22:42:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have lodged <em>disputes</em> with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in <em>compliance</em> with <em>Consumer</em> <em>Protection</em> <em>law</em>. Specifically, the FCRA and the FDCPA. 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