{"took":112,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":275,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16954448","_score":22.44615,"_source":{"product":"Credit card","complaint_what_happened":"Repeated Denial of Credit Card Fraud Claim and Failure to Provide Legally Required Written Rationale I am submitting this complaint regarding Navy Federal Credit Unions repeated denial of my credit card fraud claim and their subsequent failure to comply with federal requirements under the Fair Credit Billing Act ( FCBA )/ Regulation Z. \n\nBackground of Claim : Account : Credit Card ending in XXXX. \n\nFraud Date : Charges occurred shortly before I reported the card lost/stolen on XX/XX/year>. \n\nAmount Disputed : {$3700.00} in unauthorized transactions. \n\nNavy Federal 's Failure to Comply : I filed an initial claim and a subsequent formal, written appeal providing compelling information that the charges were fraudulent and unauthorized. \n\nOn XX/XX/year>, my final appeal was denied with a generic response that \" no new information has been given '' and without providing the required evidence. \n\nFCBA Violation : Navy Federal has denied my claim but has failed to provide a final, written explanation of the specific evidence used to conclude that no error occurred, as required by law. \n\nI have been forced to escalate to the CFPB due to the clear stall tactics and regulatory non-compliance.","date_sent_to_company":"2025-10-31T13:43:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"16954448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-10-31T13:24:52.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Amount <em>Disputed</em> : {$3700.00} in unauthorized transactions. \n\nNavy Federal 's <em>Failure</em> to Comply : I filed an initial claim and a subsequent formal, written appeal <em>providing</em> compelling information that the charges were fraudulent and unauthorized. \n\nOn XX/XX/year>, my final appeal was <em>denied</em> with a generic response that \" no new information has been given '' and <em>without</em> <em>providing</em> the required evidence."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[22.44615,"16954448"]},{"_index":"complaint-public-v1","_id":"11618656","_score":20.552656,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.\n\nIssues Experienced Failure to Prevent Address Fraud Cash App failed to take timely and effective measures to prevent address fraud on its platform, leaving my account vulnerable and unprotected. Despite reporting the issue, their response was unreasonably delayed and inadequate, exacerbating the harm caused. This reflects a failure to provide fair and secure financial services, as required under the CFPA.\n\nUnfair and Deceptive Dispute Resolution Practices Cash Apps dispute resolution process was neither transparent nor in compliance with the requirements under the EFTA and Regulation E. Specifically : They failed to investigate the fraud claim promptly and thoroughly.\n\nThey did not provide sufficient communication or updates regarding the status of my dispute.\n\nThey ultimately denied my claim without providing clear, evidence-based reasoning, violating 12 CFR 1005.11, which outlines error resolution procedures.\n\nImpact of These Violations These failures caused significant inconvenience, financial loss, and stress. By not safeguarding my account or resolving the dispute fairly, Cash App has undermined my trust in their platform and violated my rights as a consumer under federal law.","date_sent_to_company":"2025-01-20T02:26:26.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"21228","tags":null,"has_narrative":true,"complaint_id":"11618656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-20T02:14:04.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They ultimately <em>denied</em> my claim <em>without</em> <em>providing</em> <em>clear</em>, evidence-based reasoning, violating 12 CFR 1005.11, which outlines error resolution procedures.\n\nImpact of These Violations These <em>failures</em> caused significant inconvenience, financial loss, and stress. By not safeguarding my account or resolving the <em>dispute</em> fairly, Cash App has undermined my trust in their platform and violated my rights as a consumer under federal law."]},"sort":[20.552656,"11618656"]},{"_index":"complaint-public-v1","_id":"13918793","_score":20.355297,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing this complaint regarding Klarna 's apparent violation of multiple federal consumer protection laws in their handling of my loan application on XX/XX/2025. Despite providing valid, current identification documentation, the company declined my application citing 'failure to verify identity ' without providing any meaningful explanation, opportunity for clarification, or dispute process. This action appears to violate the Equal Credit Opportunity Act ( ECOA ) by potentially employing discriminatory practices in identity verification that may disproportionately impact certain protected classes, and violates the Fair Credit Reporting Act ( FCRA ) by failing to provide required adverse action notices that would allow me to understand and dispute the basis for their decision. Additionally, their refusal to provide a clear path for identity verification or dispute resolution may constitute unfair and deceptive practices under the Consumer Financial Protection Act. The lender 's blanket rejection of valid government-issued identification without reasonable accommodation or alternative verification methods suggests systematic compliance failures that deny consumers basic due process rights in credit decisions. I demand immediate correction of this decision, implementation of proper adverse action procedures, and assurance that the lender will comply with all applicable federal lending regulations. Additionally, the retailer on which I attempted to make a purchase using Klarna ( XXXX ) offered a {$50.00} coupon when using Klarna as a payment method. I demand restitution in the amount of {$50.00} to cover actual damages from the erroneous denial.","date_sent_to_company":"2025-06-05T17:05:10.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"78727","tags":null,"has_narrative":true,"complaint_id":"13918793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2025-06-05T16:56:17.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite <em>providing</em> valid, current identification documentation, the company declined my application citing '<em>failure</em> to verify identity ' <em>without</em> <em>providing</em> any meaningful explanation, opportunity for clarification, or <em>dispute</em> process."]},"sort":[20.355297,"13918793"]},{"_index":"complaint-public-v1","_id":"16063745","_score":19.698036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Description of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to deliver the promised goods/services, and I immediately attempted to resolve the issue directly. After realizing I had been scammed, I contacted Cash App support through the app on Thursday, XX/XX/year> to dispute the transaction. \n\nCash App failed to provide a reasonable investigation or refund as required under Regulation XXXX ( XXXX XXXX  Part XXXX ). Instead, I was informed that the dispute was closed in favor of the merchant with no clear explanation or supporting documentation. I appealed this decision on Thursday, XX/XX/year>, but again Cash App refused to reverse the charge. \n\nThis represents an unauthorized/fraudulent transaction. I complied with all procedures, provided supporting evidence ( screenshots of the agreement and communications ), and reported the issue within the required time frame. Cash App did not provide me with : Written notice of the investigation results, Documentation relied upon in denying my claim, or A provisional credit as required by law. \n\n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reopen the dispute, XXXX. Provide full documentation of the investigation, and XXXX. Refund the {$40.00} consistent with Regulation XXXX requirements. \n\n\nXXXX. False promise of goods/services I sent {$40.00} on XX/XX/year> for a promised item/service. The other party never delivered anything. That is textbook fraud. \n\n\nXXXX. Misrepresentation The recipient knowingly misled me to obtain funds without intent to fulfill their obligation. \n\n\nXXXX. Unauthorized retention of funds Once I revoked consent by reporting the issue, the transaction should have been treated as unauthorized/fraudulent. \n\n\nXXXX. Pattern of deception I provided screenshots of communications proving the other party engaged in deceptive conduct. \n\n\nXXXX. No merchant accountability Unlike a legitimate business, the recipient can not prove delivery, receipt, or service rendered. \n\n\n\n\n-- - Why I Am Lawfully Entitled to a Refund XXXX. Regulation XXXX ( XXXX CFR XXXX ) Cash App must investigate errors, provide written notice of results, and issue a provisional credit within XXXX business days. \n\n\nXXXX. Constructive denial By closing my case without proof, Cash App failed to meet its legal burden. That constitutes a violation of my consumer protection rights. \n\n\nXXXX. Burden of proof is on XXXX XXXX XXXX must show the transaction was valid and authorized. No such evidence was provided. \n\n\nXXXX. CFPB guidance Peer-to-peer payment apps like Cash App must treat fraud claims with the same protections as debit card transactions. \n\n\nXXXX. Entitlement I complied with all reporting timelines and provided evidence. By law, I am owed a refund of {$40.00} plus any fees. \n\n\nXXXX. No proof of delivery The recipient provided no shipping, receipt, or service documentation. \n\n\nXXXX. Violation of Cash Apps own policies Their User Agreement prohibits fraudulent use and obligates them to reverse fraudulent transactions. \n\n\nXXXX. Deceptive inducement The transaction was induced by false promises, meeting the FTCs definition of unfair/deceptive practices. \n\n\nXXXX. Failure of consideration No goods/services were provided in exchange for payment. \n\n\nXXXX. Unjust enrichment Recipient benefited financially without legal or contractual basis. \n\n\nXXXX. Unauthorized electronic fund transfer XXXX XXXX XXXX, a transfer obtained through fraud is treated as unauthorized. \n\n\nXXXX. Failure to mitigate harm Once I reported the fraud, Cash App had a duty to stop further harm by reversing funds. \n\n\nXXXX. Denial without evidence Cash App closed the dispute without presenting supporting documentation, violating XXXX XXXX XXXX ( d ). \n\n\nXXXX. Failure to provide provisional credit No temporary credit was issued within XXXX business days as required by law. \n\n\nXXXX. No clear investigation process I was not informed of the investigation scope or method, violating transparency requirements. \n\n\nXXXX. Consumer detriment The decision placed all risk of fraud on me, contrary to federal protections. \n\n\nXXXX. Asymmetric information Cash App has records and technical data to verify fraud, yet withheld them from me. \n\n\nXXXX. Denial of due process I was not given the opportunity to review or challenge evidence against my claim. \n\n\nXXXX. Bad faith handling The speed and lack of detail in denial indicate no good-faith investigation. \n\n\nXXXX. Pattern of complaints CFPB and BBB databases show numerous similar complaints against Cash App, proving systemic failures. \n\n\nXXXX. Violation of fair banking practices Unlike banks, Cash App can not escape XXXX XXXX obligations as a money transmitter. \n\n\nXXXX. Failure to protect users Cash App markets safety/security but refused to stand behind their own protections. \n\n\nXXXX. Public interest XXXX Cash App to deny fraud claims without evidence enables further scams. \n\n\nXXXX. Contractual breach As a consumer, I relied on Cash Apps representations of fraud protection. \n\n\nXXXX. XXXX oversight requirement As a licensed money transmitter under state/federal law, Cash App must comply with consumer protection statutes and refund fraudulent charges. \n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. This violates my rights under Regulation XXXX ( XXXX XXXX Part XXXX ) because : XXXX. Cash App did not provide a reasonable investigation or supporting documentation. \n\n\nXXXX. Cash App failed to issue a provisional credit within XXXX business days as required by law. \n\n\nXXXX. The burden of proof lies with the financial institution, yet Cash App closed the claim without evidence. \n\n\nXXXX. I complied with all requirements by reporting promptly and submitting evidence of fraud. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. \n\nThis violates my rights under Regulation XXXX ( XXXX XXXX  Part XXXX ) because : XXXX. Cash App did not provide a reasonable investigation or supporting documentation. \n\n\nXXXX. Cash App failed to issue a provisional credit within XXXX business days as required by law. \n\n\nXXXX. The burden of proof lies with the financial institution, yet Cash App closed the claim without evidence. \n\n\nXXXX. My account was suspended without due process, clear reasoning, or response to my appeals. \n\n\n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen the dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation, and XXXX. Restore or clearly justify my account suspension consistent with consumer protection standards. \n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. \n\nThis is not an isolated incident. For several years, I have experienced repeated issues with Cash App involving : Disputes being denied without explanation, Lack of documentation or transparency in investigations, Failure to issue provisional credits as required by Regulation XXXX, and Account restrictions or suspensions imposed without clear reasoning or timely responses to appeals. \n\n\nThis long-standing pattern shows Cash App/Block XXXX XXXX XXXX XXXX XXXX XXXX comply with federal consumer protection laws and is denying users the protections guaranteed under XXXX XXXX  Part XXXX ( Regulation XXXX ). \n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation, XXXX. Address the wrongful suspension of my account, and XXXX. Correct ongoing compliance failures that have harmed me and many other consumers over the years. \n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. In addition, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my appeals regarding reinstatement. \n\nThis situation is aggravated by the fact that my identity and Cash App account have been compromised and used without my full authorization. I have reason to believe my account has been accessed or manipulated fraudulently, which qualifies as an unauthorized electronic funds transfer under Regulation XXXX ( XXXX XXXX  Part XXXX ). \n\nThis is not an isolated issue. For years, I have experienced repeated problems with Cash App involving : Unauthorized transactions or account activity, Disputes being denied without clear evidence, Failure to issue provisional credits within the legal timeframe, and Account suspensions without explanation or response to appeals. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX to provide basic consumer protections and is denying me the right to secure access to my own account. \n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide documentation of the investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Address the fact that my identity/account has been compromised and take corrective action. \n\n\n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nWhat frustrates me most is that this has been going on for years. I have faced repeated problems with Cash App, including : Unauthorized account activity and compromised security, Disputes being denied without any evidence or transparency, Failure to issue provisional credits as required under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions that leave me locked out without explanation or resolution. \n\n\nI have spent countless hours trying to get Cash App to follow the law and their own stated policies. Each time I report fraud, I get vague form letters, no documentation, and no accountability. It feels like Cash App is deliberately ignoring its legal obligations and leaving consumers like me powerless. \n\nThis is extremely frustrating and unacceptable. Cash App markets itself as safe and secure, but in reality, they are shifting all the risk of fraud and identity compromise onto their users while refusing to comply with basic consumer protection laws. \n\nI am requesting that XXXX XXXX XXXX XXXX XXXX XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Correct their ongoing systemic failures that are harming consumers. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nThis has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without evidence or transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions imposed without explanation or resolution. \n\n\nI have invested significant time and effort trying to get Cash App to follow the law and their own policies. Each time I report fraud, I get vague responses, no documentation, and no accountability. It is extremely frustrating and unacceptable. \n\nI expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly explain the suspension, and XXXX. Correct ongoing systemic failures that continue to harm consumers. \n\n\n\n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nWhat frustrates me most is the complete failure of Cash Apps customer support and appeals process. Every interaction has been generic, unhelpful, and dismissive. Support staff refuse to provide documentation, do not explain their decisions, and ignore repeated follow-ups. The appeals process feels like a closed loop designed to wear customers down instead of providing real resolutions. \n\nThis has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX XXXX  Part XXXX ), and Account suspensions imposed without explanation or cooperation. \n\n\nI have invested significant time and effort trying to get Cash App to follow the law and their own stated policies. Each time, I am stonewalled by a support process that feels engineered to deny responsibility. It is extremely frustrating and unacceptable. \n\nI expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly justify the suspension, and XXXX. Correct their ongoing systemic failures. \n\n\n\n\nDescription of What Happened On Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to dispute the transaction. \n\nCash App denied my dispute without providing documentation or proof. I appealed the decision, but again the dispute was closed with no explanation. To make matters worse, Cash App suspended my account without citing which XXXX XXXX XXXX I allegedly violated and has not responded to my repeated appeals. \n\nWhat frustrates me most is the complete failure of Cash Apps customer support and appeals process. Every interaction has been generic, unhelpful, and dismissive. Support staff refuse to provide documentation, do not explain their decisions, and ignore repeated follow-ups. The appeals process feels like a closed loop designed to wear customers down instead of providing real resolutions. \n\nThis has been an ongoing problem for years. I have faced repeated issues with Cash App, including : Unauthorized account activity and compromised security, Disputes denied without transparency, Failure to issue provisional credits under Regulation XXXX ( XXXX CFR Part XXXX ), and Account suspensions imposed without explanation or cooperation. \n\n\nIn addition, I am a high-profile candidate for public office. This means I must carefully manage financial activity and strictly adhere to XXXX XXXX XXXX ( XXXX ) regulations. Cash Apps suspension of my account and failure to provide documentation not only frustrate me personally, but also jeopardize my ability to demonstrate compliance with campaign finance law. \n\nI expect communication, cooperation, and compliance from XXXX XXXX XXXX XXXX XXXX Specifically, I am requesting that they : XXXX. Reopen this dispute and refund the {$40.00}, XXXX. Provide full documentation of their investigation and account activity, XXXX. Restore my account access or clearly justify the suspension, and XXXX. Correct their ongoing systemic failures. \n\n\n\nFor the sake of transparency, I want this matter and my complaint to be published publicly so that regulators, voters, and the public can see both the seriousness of Cash Apps failures and my persistence in holding them accountable.","date_sent_to_company":"2025-09-19T11:53:36.000Z","issue":"Fraud or scam","sub_product":"Check cashing service","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"16063745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-09-19T11:27:13.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Correct ongoing <em>compliance</em> <em>failures</em> that have harmed me and many other consumers over the years. \n\n\nOn Thursday, XX/XX/year>, I sent {$40.00} via Cash App. The recipient failed to provide the promised goods/services. I immediately contacted Cash App support that same day to <em>dispute</em> the transaction. \n\nCash App <em>denied</em> my <em>dispute</em> <em>without</em> <em>providing</em> documentation or proof. I appealed the decision, but again the <em>dispute</em> was closed with no explanation."]},"sort":[19.698036,"16063745"]},{"_index":"complaint-public-v1","_id":"13647299","_score":19.356838,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a formal complaint against Cash App ( Block, Inc. ) for failing to comply with the Electronic Fund Transfer Act ( EFTA ) regulations, specifically regarding the investigation and resolution of unauthorized transactions and errors in my account. Despite multiple attempts to resolve these issues through Cash Apps support channels, the company has refused to correct errors, causing me significant financial hardship. Below is a detailed account of the violations and my request for resolution. \n\nSummary of Issues for registered XXXX XXXX XXXXXXXX Cash App account : Unauthorized Transactions by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my Cash App account was charged for XXXX unauthorized transactions by XXXX in the amounts of {$89.00}, {$82.00}, and {$71.00}. I promptly filed a dispute with Cash App, which was immediately denied. On XX/XX/XXXX, Cash App sent an email admitting an error in denying the {$89.00} transaction and refunded that amount. However, they continued to deny the disputes for the {$82.00} and {$71.00} transactions without providing a reasonable explanation, despite acknowledging an error in their dispute process for identical transactions. \n\nUnauthorized Transactions by XXXX XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX, my Cash App account was charged for XXXX unauthorized transactions by XXXX WV in the amounts of {$250.00}, {$250.00}, {$380.00}, {$200.00}, and {$130.00}. Cash App ruled in my favor for the first XXXX transactions ( {$250.00}, {$250.00}, {$380.00}, and {$200.00} ) and issued refunds on XXXX XXXX XXXX. However, the {$130.00} transaction dispute was paused due to an unnecessary identity verification request, despite my identity already being verified. After Cash App support confirmed via chat that I should disregard the verification request, the dispute was denied minutes later on XXXX XXXX XXXX I reinitiated the dispute on XX/XX/XXXX, but it was again denied without a clear explanation, despite being identical to the other XXXX refunded transactions. \n\nAccount Closure Without Resolution On XX/XX/XXXX, Cash App closed my account without resolving the outstanding disputes or refunding the unauthorized transactions totaling {$82.00}, {$71.00}, and {$130.00}. This closure has exacerbated my financial hardship, as I have been unable to access funds or resolve these errors. \n\n\nEFTA Violations Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR Part 1005 ), Cash App is required to : Investigate reported errors promptly and resolve them within XXXX business days or provide a provisional credit ( 12 CFR 1005.11 ( c ) ).\n\nRefund unauthorized transactions when reported in a timely manner ( 12 CFR 1005.6 ).\n\nProvide clear explanations for dispute denials, including the basis for determining no error occurred ( 12 CFR 1005.11 ( d ) ).\n\nCash App has violated these regulations by : Failing to properly investigate and resolve disputes for the {$82.00}, {$71.00}, and {$130.00} transactions, despite admitting an error in a similar dispute and refunding other identical transactions. \n\nDenying disputes without providing a clear, reasonable explanation for their findings. \n\nClosing my account without resolving outstanding disputes, leaving me without access to my funds or a means to pursue resolution. \n\n\nImpact of Cash Apps Actions My Cash App account was compromised due to data breaches and unauthorized access, which I attribute to Cash Apps negligent security practices. The companys refusal to correct these errors has caused significant financial hardship, as I have been deprived of {$290.00} ( {$82.00} + {$71.00} + {$130.00} ) in unauthorized charges. Despite months of communication with Cash Apps support team, I have received no satisfactory resolution or explanation for their failure to comply with EFTA regulations.\n\nRequested Resolution I respectfully request that the CFPB investigate Cash Apps practices and compel them to : Refund the unauthorized transactions totaling {$290.00} ( {$82.00}, {$71.00}, and {$130.00} ). \n\nProvide a detailed explanation for their handling of my disputes, as required by EFTA.\n\nReview their security practices to prevent future unauthorized access and ensure compliance with EFTA regulations. \n\nCompensate me for the financial hardship caused by their failure to resolve these errors and their abrupt closure of my account. \n\n\nI have attached copies of relevant communications with Cash App, including dispute denial emails and support chat transcripts, to support my complaint. I am available to provide additional documentation or information as needed. \nThank you for your attention to this matter. I trust the CFPB will take appropriate action to address Cash Apps non-compliance with EFTA and ensure justice for consumers like myself.","date_sent_to_company":"2025-05-22T06:12:38.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"250XX","tags":null,"has_narrative":true,"complaint_id":"13647299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-05-22T05:55:14.000Z","state":"WV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Provide <em>clear</em> explanations for <em>dispute</em> denials, including the basis for determining no error occurred ( 12 CFR 1005.11 ( d ) ).\n\nCash App has violated these regulations by : Failing to properly investigate and resolve <em>disputes</em> for the {$82.00}, {$71.00}, and {$130.00} transactions, despite admitting an error in a similar <em>dispute</em> and refunding other identical transactions. \n\n<em>Denying</em> <em>disputes</em> <em>without</em> <em>providing</em> a <em>clear</em>, reasonable explanation for their findings."]},"sort":[19.356838,"13647299"]},{"_index":"complaint-public-v1","_id":"13215075","_score":18.042286,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Discover Bank concerning multiple unauthorized transactions on my Discover credit card account. \n\nI identified several transactions that I did not authorize. I promptly reported these to Discover 's XXXX  department and followed all required procedures, including submitting a signed fraud affidavit and supporting documentation. \n\nDespite my timely report and compliance with all requested steps, Discover concluded their investigation by stating that the transactions were valid, without providing adequate evidence or explanation. I have requested detailed information supporting their decision, such as transaction records, IP addresses, or merchant communications, but have not received any substantive response. \n\nFurthermore, Discover has closed my dispute without resolving the issue, leaving the fraudulent charges on my account and negatively impacting my credit score. \n\nI believe Discover has not conducted a reasonable investigation as required under the Fair Credit Billing Act ( 15 U.S.C. XXXX ) and Regulation XXXX ( XXXX XXXX  XXXX ). Their failure to provide evidence or a clear rationale for denying my dispute constitutes a violation of my consumer rights. \n\nI am seeking the CFPB 's assistance to : Ensure that Discover conducts a thorough and fair investigation into the disputed transactions. \n\nObtain all documentation and evidence Discover used to determine the transactions were valid. \n\nHave the unauthorized charges removed from my account and any negative credit reporting corrected. \n\nI have attached all relevant correspondence, statements, and documentation related to this issue. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-04-28T20:55:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"13215075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-28T20:52:36.000Z","state":"MO","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Furthermore, Discover has closed my <em>dispute</em> <em>without</em> resolving the issue, leaving the fraudulent charges on my account and negatively impacting my credit score. \n\nI believe Discover has not conducted a reasonable investigation as required under the Fair Credit Billing Act ( 15 U.S.C. XXXX ) and Regulation XXXX ( XXXX XXXX  XXXX ). Their <em>failure</em> to provide evidence or a <em>clear</em> rationale for <em>denying</em> my <em>dispute</em> constitutes a violation of my consumer rights."]},"sort":[18.042286,"13215075"]},{"_index":"complaint-public-v1","_id":"19101437","_score":17.75531,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing this complaint regarding Cash Apps handling of multiple disputes and the subsequent closure of my account during an active dispute process. \n\nI used my Cash App account for routine personal transactions, including standard consumer purchases through Cash App Pay. Several XXXX transactions posted as completed even though the services were not delivered and refunds were not issued by the merchant. I submitted disputes in good faith for services not received. I did not report unauthorized access or third-party fraud. All transactions were initiated by me. \n\nDuring the dispute process, Cash App flagged my account and later closed it, citing alleged Terms of Service or Acceptable Use violations, without providing specific details. Cash App stated that my dispute activity was potentially fraudulent or false, but did not substantively review the disputes or provide evidence supporting that conclusion. \n\nImportantly, my account was closed while disputes were still pending or under review. \n\nCash App also stated that I failed to complete identity verification, even though I was not notified that verification was required prior to account closure. Once informed, I completed identity verification immediately. Despite this, Cash App issued automated messages reaffirming the closure without confirming whether a manual, good-faith review of my disputes or verification had occurred. \n\nAfter repeated requests, I specifically asked Cash App to confirm whether my appeal and verification had been reviewed by a human compliance team rather than an automated system. Cash App acknowledged the appeal and stated it had been routed to the appropriate team, with a review period of up to 10 days. However, I subsequently received additional automated responses restating account closure without clear confirmation of a substantive review or a reasoned dispute determination. \n\nAs a result : My account was closed during an active dispute At least one dispute was denied without explanation on the merits I was unable to meaningfully participate in the dispute resolution process Cash App refused to provide specific reasons or documentation supporting the closure I believe this reflects a failure to conduct a fair and good-faith investigation of disputes and an improper reliance on automated decisioning to deny consumer protections.","date_sent_to_company":"2026-01-29T15:33:55.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"19101437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-29T15:12:32.000Z","state":"AL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As a result : My account was closed during an active <em>dispute</em> At least one <em>dispute</em> was <em>denied</em> <em>without</em> explanation on the merits I was unable to meaningfully participate in the <em>dispute</em> resolution process Cash App refused to provide specific reasons or documentation supporting the closure I believe this reflects a <em>failure</em> to conduct a fair and good-faith investigation of <em>disputes</em> and an improper reliance on automated decisioning to <em>deny</em> consumer protections."]},"sort":[17.75531,"19101437"]},{"_index":"complaint-public-v1","_id":"15003151","_score":17.726723,"_source":{"product":"Checking or savings account","complaint_what_happened":"COMPLAINT DETAILS : This is a follow-up complaint regarding PNC Bank 's continued violations of the Electronic Fund Transfer Act, specifically 15 USC 1693f , following my initial CFPB complaint about their failure to provide timely dispute denial notification. \n\nBackground : I filed a previous CFPB complaint against PNC Bank for denying my dispute under 15 USC 1693f but failing to provide the denial notification within the required 3 business days. \n\nNew Violation - Today 's Date : Today, I received a call from XXXX in PNC 's Executive Relations Department regarding my CFPB complaint. When I requested specific details about how PNC conducted their investigation and reached their conclusion to deny my dispute claim, XXXX stated that I would need to \" subpoena for that information. '' Legal Violation : This response constitutes a clear violation of 15 USC 1693f of the Electronic Fund Transfer Act, which requires financial institutions to : Provide written explanation of investigation results- When a financial institution concludes that no error occurred or that an error occurred in an amount or manner different from that described by the consumer, they must deliver or mail to the consumer an explanation of their findings. \nInclude specific details - The explanation must include the reasons for the institution 's conclusion and inform the consumer of the right to request copies of documents relied upon by the institution in making its determination. \nNo subpoena requirement - Consumers have the statutory right to request and receive details about the investigation findings without requiring legal process or subpoenas. \nXXXX XXXX statement is factually incorrect and demonstrates PNC 's continued non-compliance with federal law. \nImpact : PNC 's refusal to provide legally required information continues to violate my rights under federal law and demonstrates a pattern of non-compliance with EFTA requirements. Their Executive Relations department is providing consumers with incorrect legal information that impedes their ability to understand and challenge dispute decisions. \n\nI request the CFPB investigate this additional violation and ensure PNC complies with all Electronic Fund Transfer Act requirements regarding dispute resolution transparency.","date_sent_to_company":"2025-07-31T13:27:16.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"48035","tags":null,"has_narrative":true,"complaint_id":"15003151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-07-31T13:22:52.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["COMPLAINT DETAILS : This is a follow-up complaint regarding PNC Bank 's continued violations of the Electronic Fund Transfer Act, specifically 15 USC 1693f , following my initial CFPB complaint about their <em>failure</em> to provide timely <em>dispute</em> denial notification. \n\nBackground : I filed a previous CFPB complaint against PNC Bank for <em>denying</em> my <em>dispute</em> under 15 USC 1693f but failing to provide the denial notification within the required 3 business days."]},"sort":[17.726723,"15003151"]},{"_index":"complaint-public-v1","_id":"15192068","_score":17.702093,"_source":{"product":"Checking or savings account","complaint_what_happened":"* * Subject : * * Dispute Denial Without Proper Investigation or Supporting Documentation Request for Immediate Action On * * XX/XX/2025 * *, a charge of * * \\ {$290.00} * * was posted to my account. I submitted a formal dispute regarding this unauthorized transaction on * * XX/XX/2025 * *. \n\nThe dispute was denied by Current, and on receiving this decision, I promptly requested the evidence and documentation that Current used to justify the denial. This request was made * * 14 business days ago * *, and I was informed that I would receive a response within * * 57 business days * *. To date, no documentation has been provided.\n\nCurrent 's handling of my dispute appears to be in violation of several provisions under * * Regulation E * * ( 12 CFR Part 1005 ), which implements the * * Electronic Fund Transfer Act ( EFTA ) * *. Specifically : 1. * * Failure to Conduct a Reasonable Investigation ( 12 CFR 1005.11 ( c ) ( 1 ) ) * * Regulation E requires financial institutions to conduct a reasonable investigation upon receiving a notice of error. Based on the lack of a response and the absence of any provided evidence supporting the denial, it appears that no such reasonable investigation was conducted, or that evidence was not reviewed thoroughly particularly the documentation I submitted from XXXX XXXX. \n\n2. * * Failure to Provide Results of Investigation and Supporting Documentation ( 12 CFR 1005.11 ( d ) ) * * Upon completion of the investigation, the institution must report the results and provide the consumer with a copy of the supporting documentation upon request. I made a timely request, yet no documentation has been provided after 14 business days. This delay is a direct violation of the regulations requirement to make this information available promptly.\n\n3. * * Failure to Adhere to Timely Resolution Requirements ( 12 CFR 1005.11 ( c ) ( 1 ) ) * * Regulation E requires that the financial institution resolve the dispute within * * 45 days * *, and if more time is needed, it must provisionally credit the account within 10 business days while continuing the investigation. If this process was not followed, or if no provisional credit was issued when required, this constitutes another violation.\n\n4. * * Improper Denial of Dispute Without Sufficient Justification ( General Compliance Failure ) * * Denying a dispute without providing a clear basis, especially in light of evidence submitted by the consumer, is not only unfair but noncompliant with consumer protection standards outlined under the EFTA and enforced by the CFPB.\n\nGiven these points, I am requesting : * Immediate disclosure of all supporting documentation and evidence used to deny my dispute, as required by law.\n\n* A thorough re-evaluation of the dispute using the documentation I previously submitted.\n\n* A written explanation detailing how Current complied with the requirements under Regulation E in this matter.\n\nFailure to take action or respond adequately may result in escalation to the * * Consumer Financial Protection Bureau ( CFPB ) * * and other relevant oversight bodies. \n\nThank you.","date_sent_to_company":"2025-08-11T05:11:47.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"43228","tags":null,"has_narrative":true,"complaint_id":"15192068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2025-08-11T04:59:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":[". * * Improper Denial of <em>Dispute</em> <em>Without</em> Sufficient Justification ( General <em>Compliance</em> <em>Failure</em> ) * * <em>Denying</em> a <em>dispute</em> <em>without</em> <em>providing</em> a <em>clear</em> basis, especially in light of evidence submitted by the consumer, is not only unfair but noncompliant with consumer protection standards outlined under the EFTA and enforced by the CFPB.\n\nGiven these points, I am requesting : * Immediate disclosure of all supporting documentation and evidence used to <em>deny</em> my <em>dispute</em>, as required by law."]},"sort":[17.702093,"15192068"]},{"_index":"complaint-public-v1","_id":"11487646","_score":17.262253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I want to begin by commending the Consumer Financial Protection Bureau ( CFPB ) for its steadfast commitment to holding Experian accountable for its harmful, deceptive, and unlawful practices. The recent lawsuit filed against Experian for their mishandling of consumer disputes, sham investigations, and other violations is a pivotal step in protecting the rights of consumers like me.For over a year, I have been disputing inaccurate information on my credit report with Experian. Despite providing clear evidence and repeatedly referencing their legal obligations under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian has continuously failed to address these issues properly. My experience with Experian reflects a disturbing pattern of neglect and noncompliance with their responsibilities. Over the XXXX XXXX, I have submitted multiple detailed dispute letters, each providing evidence that highlights inaccuracies on my credit report. Experian has failed to conduct legitimate investigations, instead uncritically accepting responses from furnishers without verifying their accuracy or reliability. Despite my efforts, Experian continues to report false information on my credit report. This refusal to correct inaccuracies directly violates the FCRA and their obligations to ensure accurate reporting. Experians responses to my disputes have been vague, incomplete, and inconsistent, often leaving me without clear answers or resolutions. This has prolonged the process and left me without recourse to correct the errors that are harming my credit. Experians failure to resolve these disputes has caused significant and ongoing harm to my life, including. The continued presence of inaccurate information has denied me access to credit, increased my financial burdens, and limited my opportunities for housing and other essentials.The stress of dealing with these unresolved disputes for over a year has caused immense frustration XXXX XXXX. Inaccurate credit reporting has prevented me from achieving financial stability and pursuing opportunities that depend on a fair and accurate credit report.I respectfully request that the CFPB take the following actions : Investigate Experians handling of my disputes and their compliance with 15 U.S.C. 1681i. Require Experian to remove the false information from my credit report immediately. Impose penalties to hold Experian accountable for their deceptive and harmful practices, ensuring justice for myself and other consumers impacted by their actions.I deeply appreciate the CFPBs efforts to enforce accountability within the credit reporting industry. Experians unlawful practices have caused substantial harm to my financial and personal life. It is my hope that through your investigation and enforcement actions, justice will prevail, and Experian will be compelled to comply with the law. Thank you for addressing this critical issue. I am prepared to provide any additional information or documentation necessary to support your investigation.","date_sent_to_company":"2025-01-13T01:51:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"700XX","tags":null,"has_narrative":true,"complaint_id":"11487646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T01:39:15.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Experians responses to my <em>disputes</em> have been vague, incomplete, and inconsistent, often leaving me <em>without</em> <em>clear</em> answers or resolutions. This has prolonged the process and left me <em>without</em> recourse to correct the errors that are harming my credit. Experians <em>failure</em> to resolve these <em>disputes</em> has caused significant and ongoing harm to my life, including."]},"sort":[17.262253,"11487646"]},{"_index":"complaint-public-v1","_id":"19139790","_score":16.895273,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against a debt collector for reporting an alleged debt to the consumer reporting agencies without ever providing me with the legally required notice of debt.\n\nI never received an initial written notice, validation notice, or any form of communication regarding this alleged debt prior to it being reported on my credit reports. This is a clear violation of federal law.\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing the amount of the debt, the name of the creditor, and my right to dispute the debt within five ( 5 ) days of initial communication. No such notice was ever provided to me.\n\nAdditionally, by reporting this debt without proper notice or validation, the debt collector has furnished inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report information accurately and completely.\n\nBecause I was never notified of this alleged debt, I was denied my legal right to dispute and request validation before it appeared on my credit report. Reporting a debt without proper notice is misleading, unfair, and unlawful.\n\nI am formally requesting that the Consumer Financial Protection Bureau investigate this matter and require the debt collector to : Provide documented proof that proper notice was sent in compliance with 15 U.S.C. 1692g ( a ) ; or Immediately delete this account from all consumer reporting agencies, including XXXX XXXX and XXXX due to failure to comply with federal law.\n\nIf the debt collector can not produce evidence of lawful notification and validation, continued reporting of this account constitutes willful noncompliance under the FDCPA and FCRA.\n\nThank you for your attention to this matter. I request written confirmation of the outcome of this investigation.","date_sent_to_company":"2026-01-30T19:37:47.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"19139790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2026-01-30T19:31:39.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against a debt collector for reporting an alleged debt to the consumer reporting agencies <em>without</em> ever <em>providing</em> me with the legally required notice of debt.\n\nI never received an initial written notice, validation notice, or any form of communication regarding this alleged debt prior to it being reported on my credit reports. This is a <em>clear</em> violation of federal law."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[16.895273,"19139790"]},{"_index":"complaint-public-v1","_id":"19139578","_score":16.890984,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against a debt collector for reporting an alleged debt to the consumer reporting agencies without ever providing me with the legally required notice of debt. \n\nI never received an initial written notice, validation notice, or any form of communication regarding this alleged debt prior to it being reported on my credit reports. This is a clear violation of federal law. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing the amount of the debt, the name of the creditor, and my right to dispute the debt within XXXX ( XXXX ) days of initial communication. No such notice was ever provided to me. \n\nAdditionally, by reporting this debt without proper notice or validation, the debt collector has furnished inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report information accurately and completely.\n\nBecause I was never notified of this alleged debt, I was denied my legal right to dispute and request validation before it appeared on my credit report. Reporting a debt without proper notice is misleading, unfair, and unlawful.\n\nI am formally requesting that the Consumer Financial Protection Bureau investigate this matter and require the debt collector to : Provide documented proof that proper notice was sent in compliance with 15 U.S.C. 1692g ( a ) ; or Immediately delete this account from all consumer reporting agencies, including XXXX, XXXX, and XXXX, due to failure to comply with federal law. \n\nIf the debt collector can not produce evidence of lawful notification and validation, continued reporting of this account constitutes willful noncompliance under the FDCPA and FCRA. \n\nThank you for your attention to this matter. I request written confirmation of the outcome of this investigation.","date_sent_to_company":"2026-01-30T19:31:12.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"19139578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2026-01-30T19:16:26.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against a debt collector for reporting an alleged debt to the consumer reporting agencies <em>without</em> ever <em>providing</em> me with the legally required notice of debt. \n\nI never received an initial written notice, validation notice, or any form of communication regarding this alleged debt prior to it being reported on my credit reports. This is a <em>clear</em> violation of federal law."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[16.890984,"19139578"]},{"_index":"complaint-public-v1","_id":"12201850","_score":16.883348,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Against Chime Bank for Unresolved Unauthorized Transactions and Inadequate Dispute Resolution Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank regarding their handling of unauthorized transactions on my account, their refusal to provide explanations for dispute denials, and their failure to issue provisional credits as required by law. \n\nDetails of the Incident : Account Holder : [ XXXX XXXX ] Bank : Chime Bank Date of Unauthorized Transactions : XX/XX/year>2025, to XX/XX/year>2025 Amount : {$1300.00} Merchant ( s ) : XXXX XXXX  XXXX and XXXX Chronology of Events : XXXX. Unauthorized Transactions : Between XX/XX/XXXX and XX/XX/year>2025, I discovered unauthorized charges totaling {$1300.00} from XXXX XXXX  XXXX and XXXX  on my Chime account. \n\nXXXX. Dispute Filing : I immediately contacted Chimes customer service on XX/XX/year>2025, to report these unauthorized transactions and submitted a formal dispute, providing all necessary documentation, including email confirmations from XXXX and XXXX stating that I did not authorize these charges. \nXXXX. Lack of Response and Provisional Credit : Despite multiple follow-ups, after multiple attempts to reopen my dispute and it being denied everytime, I have not received any substantive response from Chime. They promised a provisional credit by XX/XX/year>2025, which has not been provided to date. \n\nXXXX. Dispute Denial Without Explanation : On XX/XX/year>2025, I received an email from Chime stating that my dispute was resolved and closed without any explanation or documentation supporting their decision. \n\nXXXX. Inability to File a Police Report : Due to the nature of the unauthorized transactions being cyber-related, local law enforcement advised that they can not file a report without documentation from the bank, which Chime has refused to provide. \n\nRegulatory Concerns : Chimes actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to : Investigate Unauthorized Transactions Promptly : Conduct a reasonable investigation upon notification of an error. \nProvide Provisional Credit : If the investigation can not be completed within 10 business days, provisionally credit the disputed amount to the consumers account. \nOffer Explanation for Denial : If the dispute is denied, provide a clear explanation and make available the documents relied upon in making the determination. \n\nChime has failed to adhere to these requirements, leaving me without recourse to recover the unauthorized funds. \n\nRequested Resolution : I seek the CFPBs assistance in : XXXX. Investigating Chime Banks Dispute Resolution Practices : Assess their compliance with EFTA and Regulation E concerning unauthorized transactions. \nXXXX. Facilitating the Reversal of Unauthorized Charges : Ensure that Chime credits my account for the disputed amount. \nXXXX. Mandating Transparency in Dispute Denials : Require Chime to provide clear explanations and necessary documentation when denying disputes. \n\nI have attached copies of all relevant correspondence, including emails with Chimes customer service, and communications from XXXX and XXXX confirming the unauthorized nature of the transactions. \n\nThank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.","date_sent_to_company":"2025-02-26T05:40:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21212","tags":"Servicemember","has_narrative":true,"complaint_id":"12201850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-02-26T05:23:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Investigating Chime Banks <em>Dispute</em> Resolution Practices : Assess their <em>compliance</em> with EFTA and Regulation E concerning unauthorized transactions. \nXXXX. Facilitating the Reversal of Unauthorized Charges : Ensure that Chime credits my account for the <em>disputed</em> amount. \nXXXX. Mandating Transparency in <em>Dispute</em> Denials : Require Chime to provide <em>clear</em> explanations and necessary documentation when <em>denying</em> <em>disputes</em>."]},"sort":[16.883348,"12201850"]},{"_index":"complaint-public-v1","_id":"10680683","_score":16.602907,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against American Express ( Amex ) for failing to resolve a dispute with a merchant, XXXX, in a fair and thorough manner, and for rebilling a charge to my account despite clear evidence of the merchants failure to adhere to their own stated policies. \n\nComplaint Background : On XX/XX/year>, I was charged {$1500.00} by XXXX for a non-refundable hotel reservation. XXXX policy, as outlined on their website, explicitly allows for name changes on reservations, either by contacting the hotel directly or through XXXX ( XXXX XXXX XXXX  ). On XX/XX/year>, I attempted to make a name change to the reservation in compliance with this policy. I contacted the hotel, which confirmed that a name change was possible, provided that XXXX coordinated directly with them. I immediately relayed this information to XXXX, including the hotels contact details. However, XXXX unreasonably refused to process this name change, citing generalized fraud concerns without substantiation, making it impossible for me to use the reservation. \n\nFurthermore, XXXX suggested that I cancel the reservation, stating they would review whether any fees could be waived. Despite following this instruction, XXXX neither waived the fees nor followed up, forcing me to seek dispute resolution through Amex. I initiated the dispute with Amex, providing full documentation that XXXX  failure to honor its policies made the reservation unusable and cancellation unavoidable.\n\nAmexs Decision and Basis for Complaint : Amex has since rebilled the disputed amount to my account, stating that XXXX  non-refundable policy applies and that I contacted XXXX outside of the cancellation period. Amexs response, however, fails to address the fundamental issue of XXXX refusing to honor its name-change policy, which was central to my claim. Their refusal made it impossible for me to use the service as paid/described. I provided Amex with complete documentation of XXXX policy and my communication efforts, which should have factored into their determination. \n\nIn re-billing this charge, Amex disregarded the merchants failure to uphold their published terms, effectively holding me financially liable for a service that XXXX denied me the ability to use. This decision, I believe, is a breach of Amexs responsibility to fairly and objectively assess evidence in disputes, particularly when a merchants failure to follow their policy directly causes the customers inability to use the purchased service.","date_sent_to_company":"2024-11-05T01:11:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"20009","tags":null,"has_narrative":true,"complaint_id":"10680683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-05T01:01:13.000Z","state":"DC","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite following this instruction, XXXX neither waived the fees nor followed up, forcing me to seek <em>dispute</em> resolution through Amex. I initiated the <em>dispute</em> with Amex, <em>providing</em> full documentation that XXXX  <em>failure</em> to honor its policies made the reservation unusable and cancellation unavoidable."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.602907,"10680683"]},{"_index":"complaint-public-v1","_id":"11746542","_score":16.59281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Experian Refusal to Delete Inaccurate Account ( XXXX XXXX ) Dear Consumer Financial Protection Bureau , I am filing this complaint against Experian for their refusal to delete the XXXX account ( Account Ending in XXXX ) from my credit report, despite multiple disputes and documented proof of inaccuracies. Notably, XXXX has already removed this account after determining the information was inaccurate and unverifiable. \n\nBackground and Dispute History The XXXX account contains multiple inaccuracies, including : 1. Inconsistent Dates : The reported dates ( e.g., charge-off and account updates ) do not align with other verified information. \n2. Incorrect Balance History : The account reflects conflicting balances across different reports. \n3. Failure to Verify Ownership or Proof of Debt : Experian and the furnisher have failed to provide any supporting documentation proving the accounts accuracy. \n\nI have disputed this account multiple times with Experian, providing documented proof of these inaccuracies, yet they continue to verify it as accurate without addressing the issues. \n\nFCRA Violations by Experian 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Experian is required to ensure the maximum possible accuracy of information on credit reports. The discrepancies in this accounts reporting demonstrate a clear failure to meet this standard. \n2. FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation : Despite my disputes and supporting documentation, Experian has failed to properly investigate the inaccuracies or remove the account as required under federal law.\n\n3. Failure to Consider Proof of Inaccuracies : Experians refusal to delete the account even after XXXX removed it indicates a disregard for evidence provided by the consumer. \n\nRequested Actions 1. Immediate Deletion of the XXXX Account : Remove the inaccurate account from my Experian credit report, as it has already been deleted by XXXX. \n2. FCRA Compliance Review : Investigate Experians dispute-handling practices to ensure compliance with FCRA 1681e ( b ) and 1681i ( a ).\n\n3. Provide Verification Documentation : Require Experian to provide verifiable proof of the accounts accuracy. If such proof can not be provided, the account must be deleted immediately. \n\nSupporting Documentation 1. Proof of XXXX removal of the account. \n2. Copies of my disputes and Experians responses.\n\n3. Highlighted credit report excerpts showing the inaccuracies.\n\nConsumer Harm Experians refusal to delete this inaccurate account has negatively impacted my creditworthiness. This has resulted in : Denied Credit Opportunities : Due to the negative reporting on my credit file.\n\nHigher Interest Rates : On approved loans and credit lines. \nEmotional Distress and Anxiety : From dealing with ongoing inaccuracies and repeated disputes. \n\nI respectfully request that the CFPB intervene to ensure Experian complies with the FCRA and removes this inaccurate account from my credit report. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-21T19:10:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"11746542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T19:01:37.000Z","state":"TN","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":["I have <em>disputed</em> this account multiple times with Experian, <em>providing</em> documented proof of these inaccuracies, yet they continue to verify it as accurate <em>without</em> addressing the issues. \n\nFCRA Violations by Experian 1. FCRA 1681e ( b ) <em>Failure</em> to Ensure Accuracy : Experian is required to ensure the maximum possible accuracy of information on credit reports. The discrepancies in this accounts reporting demonstrate a <em>clear</em> <em>failure</em> to meet this standard. \n2."]},"sort":[16.59281,"11746542"]},{"_index":"complaint-public-v1","_id":"11202324","_score":16.584225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this letter to formally request your assistance in resolving an issue with Experian regarding their inaccurate and incomplete reporting of a XXXX XXXX account. Despite multiple efforts to address this matter, Experian has failed to conduct an adequate investigation and continues to report incorrect information, in clear violation of the Fair Credit Reporting Act ( FCRA ). \n\nThe XXXX XXXX account in question was charged off with a balance of {$6400.00} written off. The account was abruptly closed without prior notice, despite my history of on-time payments. Following its closure, late payments were reported inaccurately, and I have yet to receive an IRS Form XXXX for the charged-off amount, which raises questions about the proper handling and reporting of this account. \n\nWhen I first disputed this account with Experian earlier this week, I pointed out discrepancies in the reporting and provided a detailed history for their review. Experian responded by claiming the account was verified as accurate without addressing the specific issues I raised. \n\nIn a subsequent dispute, I highlighted inconsistencies between Experians reporting and XXXX reporting for the same account. I mistakenly submitted XXXX information, expecting Experian to clarify which report was accurate. Instead, they adjusted their reporting to align with XXXX without investigating or resolving the original discrepancies. \n\nUpon further review, I have identified even more inaccuracies in the reporting of this account, including discrepancies with other credit bureaus, but Experian continues to deny my efforts to have the errors corrected. \n\n\nExperians actions, or lack thereof, constitute multiple violations of the FCRA, including : XXXX. Failure to Ensure Accurate Reporting ( FCRA Section 609 ( a ) ( 1 ) ) : Experian has failed to ensure that the information on my credit file is complete and accurate, as required by law. \nXXXX. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ) : My disputes were not adequately investigated, as evidenced by Experians cursory response of verified as accurate without addressing the details or providing supporting documentation. \nXXXX. Negligence in Handling Furnisher Information ( FCRA Section 623 ( a ) ( 1 ) ) : Experian has not ensured that the information provided by XXXX XXXX  was reported accurately and remains incomplete. \nXXXX. Failure to Disclose Consumer Rights ( FCRA Section 609 ( c ) ) : Experian failed to provide a clear explanation of my rights during the dispute process, including access to supporting documentation or clarification of their findings. \nXXXX. Potential Reporting of Outdated or Unverified Information ( FCRA Section 605 ( a ) ) : The continued reporting of a charged-off account without clarity regarding the issuance of a XXXX raises concerns about the accuracy and timeliness of the information being reported. \n\nRequested Action I am requesting the CFPB to review this matter and take the following steps to ensure compliance with the FCRA : XXXX. Require Experian to conduct a thorough and independent investigation into the inaccuracies I have identified. \nXXXX. Ensure that the XXXX XXXX account is removed from my credit file due to the unresolved reporting errors and discrepancies. \nXXXX. Provide confirmation regarding the status of the charged-off account and whether a XXXX has been issued as required by law. \nXXXX. Enforce Experians compliance with all relevant provisions of the FCRA to protect my rights as a consumer. \n\nI appreciate your attention to this matter and trust that the CFPB will act promptly to ensure my rights as a consumer are upheld.","date_sent_to_company":"2024-12-18T17:22:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92620","tags":null,"has_narrative":true,"complaint_id":"11202324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-18T17:03:53.000Z","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":["<em>Failure</em> to Disclose Consumer Rights ( FCRA Section 609 ( c ) ) : Experian failed to provide a <em>clear</em> explanation of my rights during the <em>dispute</em> process, including access to supporting documentation or clarification of their findings. \nXXXX."]},"sort":[16.584225,"11202324"]},{"_index":"complaint-public-v1","_id":"11553147","_score":16.391466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to file a formal complaint against Experian regarding their failure to properly investigate and reinvestigate disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve these issues, Experian has not provided adequate responses or any hard proof confirming that proper reinvestigations were conducted. \n\nThe disputed accounts include the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specific Violations Failure to Properly Conduct Reinvestigations : Experian has not adequately investigated the disputes I submitted regarding inaccuracies in my credit file. Despite providing them with detailed documentation, they have failed to resolve these issues. \n\nFailure to Provide Proof of Reinvestigation : I have repeatedly requested documentation showing that reinvestigations were performed in compliance with FCRA standards. To date, Experian has failed to provide any hard proof or supporting documents confirming a thorough investigation. \n\nFailure to Delete Inaccurate, Incomplete, or Unverified Information : Experian continues to report inaccurate, incomplete, or unverifiable information, despite being provided with evidence to the contrary. \n\nFailure to Provide Adequate Written Notice : Experian has not provided me with sufficient written notice of their reinvestigation results or clear explanations of how my disputes were handled.\n\nImproper Reinsertion of Deleted Information : Experian has improperly reinserted previously deleted information into my credit file without notifying me, in direct violation of FCRA provisions. \n\nFailure to Follow Reasonable Procedures : Experian has not adhered to reasonable procedures to ensure the maximum possible accuracy of the information reported, leading to continued inaccuracies.\n\nAdditional Violations of the Consumer Financial Protection Act ( CFPA ) : Failure to Fully and Accurately Convey Disputes to Furnishers : Experian distorted, truncated, and mischaracterized my disputes, preventing furnishers from properly addressing the issues. \nHarm Caused : Due to Experians willful negligence and non-compliance with the FCRA and CFPA, I have sustained damage to my reputation. As a result of inaccurate and unverified information remaining on my credit report, I have been denied credit, loans, and credit cards. This has caused significant financial hardship and harmed my ability to obtain necessary credit for personal and professional purposes.\n\nPrior Complaints : I have previously submitted complaints about Experians conduct to the CFPB If you look at my files numbers, and they refused to follow the metro 2 compliance codes that clearly state the information was incorrect and should not be furnished on my consumer reports.\n\nRequested Actions : I respectfully request that the CFPB investigate Experian for non-compliance with the FCRA and CFPA. Additionally, I seek the following remedies : A proper and thorough reinvestigation of all disputed items on my credit report. \nProvision of certified copies of all documentation related to the reinvestigation process, including communications with furnishers, results of findings, and any corrective actions taken.\n\nDeletion of any inaccurate, incomplete, or unverifiable information from my credit report.\n\nAn official explanation of why inaccurate or unverified information remains on my credit report despite my dispute.\n\nAssurance that Experian will follow proper procedures to ensure the accuracy of information reported to consumer reporting agencies. please respond with requested documents through the CFPB portal.\n\nD","date_sent_to_company":"2025-01-15T18:38:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30038","tags":null,"has_narrative":true,"complaint_id":"11553147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T17:44:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Failure</em> to Delete Inaccurate, Incomplete, or Unverified Information : Experian continues to report inaccurate, incomplete, or unverifiable information, despite being provided with evidence to the contrary. \n\n<em>Failure</em> to Provide Adequate Written Notice : Experian has not provided me with sufficient written notice of their reinvestigation results or <em>clear</em> explanations of how my <em>disputes</em> were handled."]},"sort":[16.391466,"11553147"]},{"_index":"complaint-public-v1","_id":"20553700","_score":16.386047,"_source":{"product":"Credit card","complaint_what_happened":"Company Name : Nordstrom Card Services Product : Credit Card Issue : Fraudulent charges/ Billing dispute Desired Resolution : Refund What happened : I am filing this complaint regarding a fraud dispute on my Nordstrom credit card account that has remained unresolved since XXXXXXXX XXXX XXXX XXXX \n\nWhile traveling in XXXX, my credit card was stolen, and unauthorized charges were made on my account. I promptly reported the fraud and fully cooperated with the investigation, including providing : Government-issued identification A police report filed abroad related to the theft A completed fraud affidavit At the time of my initial report, all unauthorized charges were removed, and I was instructed only to monitor for a replacement card. I was not informed of any additional documentation requirements or ongoing investigative steps. \n\nHowever, approximately two months later, the previously removed charges were reapplied to my account without prior notice or explanation, and began accruing significant interest. \n\nDespite having already submitted a fraud affidavit and supporting documentation, my claim was subsequently denied on the basis of insufficient evidence. Since then, for approximately seven months, I have made multiple attempts to resolve this matter. During that time : I have not been provided a clear explanation of what specific evidence is required My requests to reopen the case have been refused I have not received adequate documentation supporting the determination that the charges were authorized Due to the continued accrual of interest and financial pressure caused by the unresolved dispute, I paid the balance in full solely to mitigate further financial harm. This payment does not constitute authorization or acceptance of the fraudulent charges. \n\nMy most recent written communication, sent on XX/XX/XXXX, has gone unanswered. \n\n\nWhy this is a problem : This situation raises serious concerns regarding compliance with the Fair Credit Billing Act ( FCBA ), including : Failure to conduct a reasonable and consistent investigation Reinstating previously removed fraudulent charges without notice or explanation Failure to clearly communicate required documentation during the dispute process Denial of the claim based on insufficient evidence without establishing authorization Refusal to reopen or meaningfully review the dispute Failure to correct the account, including issuing a refund for fraudulent charges already paid Prolonged delay and lack of response contributing to ongoing financial harm Additionally, the handling of this matter has caused significant financial and emotional distress. \n\nWhat I want : I am requesting the following : A full monetary refund of all unauthorized charges ( not a statement credit ) Reversal of any related interest or fees Written confirmation that my account has been fully corrected A clear explanation of how the investigation was conducted, including the basis for reapplying the charges after initially removing them Additional details : I have also filed a report with the Federal Trade Commission ( FTC ) and obtained a police report related to the theft of my card abroad. \n\nI am seeking prompt resolution in accordance with federal consumer protection laws. \n\nThe failure to properly resolve this matter has caused quantifiable financial damages, including accrued interest, and ongoing emotional distress resulting from prolonged uncertainty and lack of resolution.","date_sent_to_company":"2026-03-24T19:42:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"92107","tags":null,"has_narrative":true,"complaint_id":"20553700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-03-24T19:20:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Why this is a problem : This situation raises serious concerns regarding <em>compliance</em> with the Fair Credit Billing Act ( FCBA ), including : <em>Failure</em> to conduct a reasonable and consistent investigation Reinstating previously removed fraudulent charges <em>without</em> notice or explanation <em>Failure</em> to clearly communicate required documentation during the <em>dispute</em> process Denial of the claim based on insufficient evidence <em>without</em> establishing authorization Refusal to reopen or meaningfully review the <em>dispute</em> <em>Failure</em>"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.386047,"20553700"]},{"_index":"complaint-public-v1","_id":"18055934","_score":16.376263,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Bank of America mishandling of a clear case of debit card fraud, along with their improper denial of my claim and refusal to issue a provisional credit.\n\nMy debit card and wallet were lost, and shortly afterward, {$2000.00} was stolen from my account through two separate unauthorized transactions of {$1000.00} each. As soon as I noticed the fraudulent activity, I immediately contacted the bank to report the card lost, dispute the charges, and file a fraud claim. During that call, I requested a provisional credit so I could continue operating my business while the claim was under review.\n\nWithin one to two days, Bank of America denied the claim without properly investigating and without notifying me. I only learned it had been denied when I called to check on the status. When I asked for the reason, I was told that the charges were considered authorized because I supposedly confirmed them via text message. This is false. I have the original text message from the bank, and it clearly shows that I replied NO to the authorization request. I have already faxed the screenshots as proof.\n\nAdditionally, no PIN was used for any of the fraudulent transactions. These were card-present or online purchases made by whoever found or stole my wallet. The bank then falsely claimed that I attempted to withdraw the money myself at an ATM, which is completely untrue. The representative appears to have confused a deposit I made with a withdrawal and used that incorrect assumption to justify denying the claim.\n\nDespite providing evidence, including the text message showing my NO response, Bank of America still refuses to acknowledge the fraud or issue a provisional credit as required under Regulation E. Their handling of this situation suggests either a failure to properly investigate or a deliberate attempt to avoid issuing provisional credit.\n\nI am requesting the CFPBs assistance in : Requiring Bank of America to properly investigate the fraud claim in compliance with Regulation E ; Reversing the improper denial of my dispute for the two unauthorized {$1000.00} transactions ; Issuing the provisional credit I was entitled to during the investigation ; and Correcting any false notes or statements made by representatives regarding my alleged authorization or ATM activity.\n\nI have documentation available to support my claims, including the SMS message showing my NO response and evidence that I did not authorize, perform, or benefit from the two fraudulent {$1000.00} transactions.\n\nThank you for your attention to this matter.","date_sent_to_company":"2025-12-04T04:19:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32810","tags":null,"has_narrative":true,"complaint_id":"18055934","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-04T03:52:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["As soon as I noticed the fraudulent activity, I immediately contacted the bank to report the card lost, <em>dispute</em> the charges, and file a fraud claim. During that call, I requested a provisional credit so I could continue operating my business while the claim was under review.\n\nWithin one to two days, Bank of America <em>denied</em> the claim <em>without</em> properly investigating and <em>without</em> notifying me. I only learned it had been <em>denied</em> when I called to check on the status."]},"sort":[16.376263,"18055934"]},{"_index":"complaint-public-v1","_id":"10062678","_score":16.329819,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address serious concerns regarding the handling of my identity theft dispute with Experian. On XX/XX/year>, I submitted a dispute to Experian, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation. \n\nThis denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft.\n\nSpecifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report.\n\n15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done. \nYour failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization. \n\nThis lack of action on XXXX part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly. \n\nI am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft. \nA written explanation as to why my request was denied despite my submission of all required documentation. \nCompensation for the damages incurred as a result of Experians negligent and willful noncompliance with the FCRA. \nIf this matter is not resolved within 10 business days, I will pursue formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore civil litigation to address these ongoing violations of my rights. \n\nPlease take immediate steps to rectify this situation and ensure full compliance with the law.","date_sent_to_company":"2024-09-07T23:29:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"10062678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-07T23:12:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am writing to formally address serious concerns regarding the handling of my identity theft <em>dispute</em> with Experian. On XX/XX/year>, I submitted a <em>dispute</em> to Experian, <em>providing</em> all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA )."]},"sort":[16.329819,"10062678"]},{"_index":"complaint-public-v1","_id":"21115871","_score":16.204084,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Cash App regarding their failure to release refunded funds that are rightfully mine. \n\nI made a purchase through XXXX for three items. Two of those items were refunded on XX/XX/XXXX and XX/XX/XXXX. According to XXXX customer support, once a refund is issued, it should take approximately XXXX business days for the funds to be returned to the original payment method. \n\nDespite this, the refunded amounts from XX/XX/XXXX and XXXX have not appeared in my Cash App account, either as available funds or as pending transactions. \n\nThe third item was a custom-made outfit that the seller made incorrectly. The seller and I mutually agreed to a refund, which was processed today. At this point, I have received confirmation that I have been fully refunded by XXXX for all three items. \n\nThe total amount that has been refunded to me is {$140.00}, and none of these funds have been credited back to my Cash App account. \n\nWhen I initially created a dispute with Cash App, I provided documentation and receipts showing that the first two refunds had already been issued by the merchant. Despite this clear evidence, Cash App denied my claim and stated that no wrongdoing had occurred. \n\nI have contacted Cash App support multiple times regarding this issue. Instead of resolving the problem, they have sent repeated and inconsistent responses stating that my dispute has been closed and can not be appealed, while also continuing to provide information about appealing. This has caused confusion and has not led to any resolution. \n\nCash App is currently holding funds that have already been refunded by the merchant, and they are not providing a clear explanation or timeline for when I will receive my money. \n\nI am requesting that Cash App immediately investigate this issue and release the full refunded amount of {$140.00} back to my account without further delay. I expect to receive my full refund in a timely manner, along with a clear explanation for the delay in making these funds available. \n\nIf this issue is not resolved promptly, I request that appropriate regulatory action be taken to ensure compliance and to prevent similar issues from affecting other consumers. \n\nThis situation is causing financial inconvenience, and I am seeking prompt resolution.","date_sent_to_company":"2026-04-10T15:29:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"10458","tags":null,"has_narrative":true,"complaint_id":"21115871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-10T01:46:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["When I initially created a <em>dispute</em> with Cash App, I provided documentation and receipts showing that the first two refunds had already been issued by the merchant. Despite this <em>clear</em> evidence, Cash App <em>denied</em> my claim and stated that no wrongdoing had occurred. \n\nI have contacted Cash App support multiple times regarding this issue."]},"sort":[16.204084,"21115871"]},{"_index":"complaint-public-v1","_id":"21652595","_score":16.138895,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX ( XXXX ) from XXXX  for {$15000.00}, paid via PayPal XXXX funded by my XXXX XXXX card ending XXXX ). The item description explicitly stated the warranty/authenticity certificate was included. \n\nThe watch was delivered in person without the warranty/authenticity certificate an essential element for verifying authenticity and value on a $ XXXX luxury timepiece. I immediately contacted XXXX, who instructed me to return the item using a UPS shipping label they provided ( tracking number XXXX ). \n\nI returned the item on XX/XX/XXXX, in strict compliance with XXXX 's return instructions. UPS tracking confirms delivery to XXXX. * * XXXX subsequently acknowledged receipt of the returned item in writing. * * I filed a PayPal Buyer Protection claim under \" Item Not as Described '' ( XXXX ). PayPal denied the claim without providing a clear or substantive reason. I have been unable to obtain clarity on whether an appeal pathway exists, despite attempts to escalate. \n* * Why this denial violates PayPal 's own Buyer Protection policy : * * 1. * * The item was materially not as described * * a missing warranty certificate on a {$15000.00} luxury watch is a material discrepancy that goes directly to authenticity and resale value. \n2. * * The return was completed and confirmed * * UPS tracking XXXX confirms delivery to XXXX. \n3. * * The merchant acknowledged receipt in writing * * eliminating any factual dispute about whether the item was returned.\n\n4. * * PayPal 's denial reasoning was not provided in substantive form * *, preventing meaningful review or appeal.\n\nPayPal 's Buyer Protection program represents a contractual obligation to buyers using their platform. Denying a claim where ( a ) the item was demonstrably not as described, ( b ) the return was completed per merchant instructions, and ( c ) the merchant has acknowledged receipt in writing, constitutes a failure to honor that obligation.","date_sent_to_company":"2026-04-28T02:51:24.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"10014","tags":null,"has_narrative":true,"complaint_id":"21652595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-28T02:39:36.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PayPal <em>denied</em> the claim <em>without</em> <em>providing</em> a <em>clear</em> or substantive reason. I have been unable to obtain clarity on whether an appeal pathway exists, despite attempts to escalate."]},"sort":[16.138895,"21652595"]},{"_index":"complaint-public-v1","_id":"12406093","_score":16.060658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding Experians continued failure to properly investigate and remove an account that does not belong to me, as well as XXXX XXXX XXXX unlawful reporting practices. The inaccurate reporting of this account has significantly harmed my creditworthiness, and I am requesting immediate corrective action. \n\nUpon reviewing my credit report, I discovered that XXXX XXXX XXXX placed an account under my name without ever notifying me, as required by law. At no point did XXXX XXXX XXXX attempt to contact me via email, mail, or phone to inform me of the alleged debt or provide me with the opportunity to dispute the information before it was reported to Experian. This failure to provide proper notice and my right to dispute violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nDespite my repeated disputes with both Experian and XXXX XXXX XXXX, neither has conducted a proper investigation or provided any of the following legally required documentation : A signed agreement or contract proving I own the account Proof of my identity linked to the alleged account Statements, billing records, or any supporting documentation demonstrating my responsibility for the debt Experian continues to report this account without proper verification, in clear violation of federal consumer protection laws. To resolve this matter fairly, I am requesting the following : 1. Immediate Deletion of the Erroneous Account Since neither Experian nor XXXX XXXX XXXX has provided valid proof that I am responsible for this debt, the account should be permanently removed from my credit report. \n2. Correction of Credit Score Impact The erroneous reporting of this account has damaged my credit score. I request that my score be corrected to reflect the removal of the account. \n3. Written Confirmation of Account Removal I request formal written confirmation from both Experian and XXXX XXXX XXXX stating that the account has been deleted and will not be reinserted unless valid documentation proving ownership of the debt is provided. \n4. Proper Investigation and Compliance Experian and XXXX XXXX XXXX should be required to fully comply with FCRA and FDCPA regulations by providing proper verification, including a signed agreement or proof of identity, before reporting any account in my name. \n5. Accountability for Illegal Reporting Since XXXX XXXX XXXX failed to provide the legally required notice before reporting the account, I request that the CFPB take enforcement action to ensure compliance and prevent similar violations in the future. \n6. Compensation for Damages ( if applicable ) If this erroneous reporting has resulted in financial harm, such as denied credit, higher interest rates, or emotional distress, I request appropriate compensation for the damages caused by their failure to comply with consumer protection laws. \n7. Stronger Compliance Measures I request that the CFPB ensure that Experian and XXXX XXXX XXXX improve their dispute resolution and notification processes to prevent such violations from occurring in the future. \n\nI trust that the CFPB will take the necessary action to enforce consumer protection laws and hold Experian and XXXX XXXX XXXX accountable for their unlawful reporting. I look forward to your prompt response and resolution of this matter.","date_sent_to_company":"2025-03-10T22:26:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90015","tags":"Servicemember","has_narrative":true,"complaint_id":"12406093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-10T22:01:37.000Z","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":["Proper Investigation and <em>Compliance</em> Experian and XXXX XXXX XXXX should be required to fully comply with FCRA and FDCPA regulations by <em>providing</em> proper verification, including a signed agreement or proof of identity, before reporting any account in my name. \n5."]},"sort":[16.060658,"12406093"]},{"_index":"complaint-public-v1","_id":"8447717","_score":15.785581,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights.\n\nFailure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies.\n\nDenial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, Midland Credit Management has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.\n\nUse of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers.\n\nFurnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).\n\nI kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by Midland Credit Management. I am seeking redress and a resolution that upholds my rights as a consumer.\n\nEnclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with Midland Credit Management. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations.\n\nThank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.","date_sent_to_company":"2024-03-01T00:00:38.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"18301","tags":null,"has_narrative":true,"complaint_id":"8447717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-02-29T23:36:27.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Furnishing Information <em>Without</em> Disclosures : The collection agency has furnished the debt to consumer reporting agencies <em>without</em> <em>providing</em> the necessary disclosures required by law. This is a <em>clear</em> violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).\n\nI kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by Midland Credit Management."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[15.785581,"8447717"]},{"_index":"complaint-public-v1","_id":"8445955","_score":15.785581,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a complaint against CREDENCE RESOURCE MANAGE for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights. \n\nFailure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies. \n\nDenial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, CREDENCE RESOURCE MANAGE has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.\n\nUse of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers. \n\nFurnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).\n\nI kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by CREDENCE RESOURCE MANAGE. I am seeking redress and a resolution that upholds my rights as a consumer. \n\nEnclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with [ Collection Agency Name ]. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations. \n\nThank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.","date_sent_to_company":"2024-02-29T16:51:24.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"184XX","tags":null,"has_narrative":true,"complaint_id":"8445955","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2024-02-29T16:43:12.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Furnishing Information <em>Without</em> Disclosures : The collection agency has furnished the debt to consumer reporting agencies <em>without</em> <em>providing</em> the necessary disclosures required by law. This is a <em>clear</em> violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).\n\nI kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by CREDENCE RESOURCE MANAGE."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[15.785581,"8445955"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":275,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":275}]}},"product":{"doc_count":275,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":168,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":167},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt 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