{"took":173,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10868814","_score":29.556934,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of a data breach that occurred on XX/XX/scrub>XXXX XXXX XXXX This breach resulted in the unauthorized access and exposure of my personal information, including [ specify compromised data, such as Social Security Number, financial details, or other sensitive information ]. \n\nI became aware of this incident through notification from the affected company or suspicious account activity. Since the breach, I have been at risk of identity theft and fraudulent activity, which has caused significant concern regarding my financial and personal security. \n\nI request immediate assistance in addressing and resolving any unauthorized actions or inquiries related to this breach. Thank you","date_sent_to_company":"2024-11-20T22:27:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10037","tags":null,"has_narrative":true,"complaint_id":"10868814","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-20T22:27:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a victim of a <em>data</em> <em>breach</em> that <em>occurred</em> on XX/XX/<em>scrub</em>><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> This <em>breach</em> <em>resulted</em> in the <em>unauthorized</em> access and exposure of my personal information, including [ specify compromised <em>data</em>, such as Social Security Number, financial details, or other sensitive information ]. \n\nI became aware of this incident through notification from the affected company or suspicious account activity."]},"sort":[29.556934,"10868814"]},{"_index":"complaint-public-v1","_id":"14042982","_score":20.675377,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : URGENT CFPB Complaint Arvest Bank Data Breach, Fraudulent Charges, and Unfair Denial of Dispute Im filing this complaint because Arvest Bank is refusing to refund fraudulent charges that occurred immediately after they exposed my full debit card number and personal information in a data breach, a breach they admitted to in writing. \n\nOn XX/XX/scrub>, 2025, I received a Notice of Data Breach letter from Arvest stating that my full debit card number, first name, and last name were sent in error to another customer by email. That customer admitted to receiving it, deleted the email, and was even asked by Arvest to sign an affidavit of deletion. So, Arvest knows and admits that my card was compromised through no fault of my own.\n\nThe letter stated : An internal report containing your debit card information was attached in error to an email sent to one customer.\n\nWere providing IDProtect coverage Well also be closely monitoring these cards for fraudulent activity.\n\nIf you see suspicious activity, reach out to us immediately.\n\nAs a result of this incident, we are offering you identity theft recovery services at no charge for one year. \n\nShortly after that breach on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX there were unauthorized charges made in Arkansas, where I was not located. I immediately contacted Arvest, filed a dispute, and later filed a new dispute with only the charges that match the breach. Despite this, Arvest is trying to deny my dispute, claiming I filed it too late. But this timeline proves otherwise : Fraudulent Charges Tied to Breach : XXXX XXXXXXXX {$91.00} Monday, XX/XX/year>2025 XXXX {$92.00} Monday, XXXX XXXX, 2025 XXXX XXXX XXXX {$79.00} Tuesday, XX/XX/scrub>, 2025 XXXXXXXX XXXX XXXX XXXX  {$10.00} Tuesday, XXXX XXXX, 2025 XXXX XXXX XXXX  {$31.00} Tuesday, XXXX XXXX, 2025 XXXX XXXX XXXX  {$77.00} Tuesday, XX/XX/year>2025 XXXX XXXX  {$320.00} Friday, XX/XX/year>2025 These charges match the exact days surrounding the known breach, before I even received the letter in the mail. I had no prior way to know my card had been compromised until Arvest told me. And now they are blaming me for the delay, when they acknowledged responsibility in writing and offered identity monitoring for one year.\n\nEven worse, Ive spoken to six different Arvest representatives, and no one will take responsibility, even as theyre referencing a subscription charge I never authorized to try and justify denying my dispute.\n\nI am asking the CFPB to hold Arvest accountable and ensure that I receive a full refund for the above fraudulent charges, My dispute is accepted and honored, especially given the documented breach, Arvest follows the law under the Electronic Fund Transfer Act ( Regulation E ), Arvest provides clear and transparent reasoning for how they are handling this situation which right now seems designed to avoid responsibility for their admitted error.\n\nThis experience has caused me enormous stress. Arvest is trying to deflect responsibility even though they themselves caused the breach. I deserve my money back. \n\nSincerely, XXXX","date_sent_to_company":"2025-06-12T06:33:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"74008","tags":null,"has_narrative":true,"complaint_id":"14042982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ARVEST BANK GROUP, INC.","date_received":"2025-06-12T06:18:13.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Subject : URGENT CFPB Complaint Arvest Bank <em>Data</em> <em>Breach</em>, Fraudulent Charges, and Unfair Denial of Dispute Im filing this complaint because Arvest Bank is refusing to refund fraudulent charges that <em>occurred</em> immediately after they exposed my full debit card number and personal information in a <em>data</em> <em>breach</em>, a <em>breach</em> they admitted to in writing."]},"sort":[20.675377,"14042982"]},{"_index":"complaint-public-v1","_id":"11626508","_score":14.77456,"_source":{"product":"Checking or savings account","complaint_what_happened":"Today, the Consumer Financial Protection Bureau ( CFPB ) ordered Block, the operator of the peer-to-peer payments app Cash App, to refund and pay other redress to consumers up to {$120.00} XXXX and pay a penalty of {$55.00} XXXX into the CFPBs victims relief fund. Block employed weak security protocols for Cash App and put its users at risk. While Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete. Block directed users who had suffered financial losses as a result of fraud to ask their bank to attempt to reverse transactions, which Block would subsequently deny. Block also deployed a range of tactics to suppress Cash App users from seeking help, reducing its own costs.\n\nCash App created the conditions for fraud to proliferate on its popular payment platform, said CFPB Director XXXX XXXX. When things went wrong, Cash App flouted its responsibilities and even burdened local banks with problems that the company caused. \n\nBlock, Inc. ( NYSE : SQ ) is a publicly traded corporation whose principal executive offices are in XXXX, California. Block offers multiple digital payments products for businesses and consumers, including the point-of-sale payment system Square and the consumer payment service Cash App. Cash App is one of the largest peer-to-peer payment platforms in the United States, with more than 56 million accounts. It allows consumers to send and receive electronic money transfers ; accept direct deposits ; and use a prepaid card, XXXXash Card, to make purchases and ATM withdrawals. Block made approximately {$7.00} XXXX in gross profit in 2023, approximately {$4.00} XXXX of which was generated by Cash App. \n\nCash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor.\n\nBlock also deprived Cash App users of meaningful and effective customer service and left the network vulnerable to criminals defrauding users. While Block included a telephone number on the back of its Cash Card and in its Cash App Terms of Service, for many years this telephone number did not connect consumers to customer support of any type. Instead, it led to a pre-recorded message directing consumers to contact customer support through the app. Consumers could only contact Block through the app or through U.S. mail and were often met with delayed, inadequate, confusing, or inaccurate responses. Consumers looking for an alternate route to Cash App customer service through web searches were targeted by fraudsters posing as Cash App representatives, who tricked them into giving up their passwords and other personal information. Block knew that its customers were being targeted by fraudsters in this way but failed to take timely action to address the issue.\n\nEnforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including those engaging in unfair, deceptive, or abusive acts or practices. The CFPB also has the authority to enforce the Electronic Fund Transfer Act. The CFPBs order requires Block to : Pay {$120.00} XXXX to harmed consumers : Block is required to pay up to {$120.00} XXXX in refunds and other redress to consumers whose unauthorized transfers were not investigated, consumers who did not receive refunds they were entitled to, and consumers whose accounts were locked for an extended period of time or who were not provided provisional credits during a delayed investigation. Block must pay a minimum amount of {$75.00} XXXX in refunds and other redress. The CFPB will enforce the orders redress requirements to ensure affected Cash App users receive redress. Consumers will not need to take action at this time to obtain redress. \nFix customer service and investigate disputes : To ensure that the misconduct does not recur, the order requires Block to set up 24-hour, live-person customer service. The order also requires Block to fully investigate unauthorized transactions and to provide timely refunds, where appropriate. \nPay a {$55.00} XXXX fine : Block will pay a {$55.00} XXXX penalty to the CFPBs victims relief fund. \n\n**Consumer Financial Protection Bureau ( CFPB ) Complaint Against CashApp** **Complainant : XXXX XXXX **Company Name : CashApp ( Block, Inc. ) ** **Account Number:XXXX XXXX XXXX XXXX **Date of Incident : XX/XX/scrub>/2023 - XXXX2023** **Total Amount in Dispute : $ XXXX -- - **Complaint Summary : ** I am filing this formal complaint against CashApp for its negligent, unfair, and abusive handling of multiple unauthorized, malicious, and fraudulent transactions on my account. Despite providing CashApp with sufficient information to investigate my claim, their response has been grossly inadequate and unprofessional. CashApp 's immediate denial of my disputes within 24-48 hours of my report demonstrates a complete lack of due diligence in investigating the matter. **Details of the Incident : ** 1. **Unauthorized Transactions : ** - On XX/XX/scrub> 2023, I contacted CashApp to report multiple fraudulent transactions on my account, amounting to {$7700.00}. The transactions were made by a merchant operating under the name XXXX, with locations in XXXX XXXX and XXXX, starting on XX/XX/year>2023. - The disputed transactions are as follows : - XX/XX/scrub>/2023 : {$550.00} - XX/XX/year>2023 : {$480.00} - XXXX/XXXX/2023 : {$480.00} - XXXX/XXXX/2023 : {$480.00} - XX/XX/year>2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/year>2023 : {$480.00} - XXXX/XXXX/2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/scrub>/2023 : {$480.00} - XX/XX/year>2023 : {$460.00} - XX/XX/year>2023 : {$460.00} - XX/XX/scrub>/2023 : {$460.00} - XXXX/XXXX/2023 : {$460.00} - XX/XX/scrub>/2023 : {$460.00} 2. **Negligent Investigation : ** - CashApp failed to conduct a thorough investigation into these unauthorized transactions. They denied my disputes within 24-48 hours, without ever reaching out to the merchant or conducting a full review of the circumstances. - I requested documentation from CashApp to understand the basis for their decision, but the only document provided was a basic receipt/invoice. This document clearly indicates that the card was never present at the time of the transactions, suggesting that my information could have been stolen and used without my authorization. 3. **Violation of Consumer Rights : ** - My funds are FDIC insured, and as a consumer, I am entitled to protection and a thorough investigation in cases of unauthorized transactions. CashApps actions in declining my disputes and failing to investigate properly constitute a violation of these rights. - Additionally, CashApp has not provided any substantial proof or affidavit under penalty of perjury to justify their actions or the validity of the transactions. 4. **Material Misrepresentation : ** - I assert that CashApps failure to investigate these transactions properly, combined with their inadequate response and lack of evidence, constitutes material misrepresentation. This is a clear case of fraudulent behavior that has caused significant financial harm to me as a consumer. 5. **Precedent Case : ** - I reference the case of *Salinas, et al. v. Block, Inc. and Cash App Investing, LLC*, where Block and Cash App Investing were FOUND negligent and breached other obligations to users when they failed to implement appropriate controls to prevent unauthorized access to and use of Cash App accounts and when they mishandled and failed to adequately resolve customer complaints regarding unauthorized and unintended transactions. **Requested Relief : ** 1. **Immediate Reimbursement : ** I request a full reimbursement of the {$7700.00} that was fraudulently taken from my account. 2. **Comprehensive Investigation : ** I demand a thorough investigation into these unauthorized transactions, including communication with the merchant to provide proof that these transactions were authorized by me, including my signature or identification. 3. **Detailed Explanation : ** I request a detailed explanation from CashApp regarding the rapid denial of my dispute, including any evidence or documentation that was used to reach this decision. 4. **Formal Apology and Assurance : ** I demand a formal apology from CashApp for their negligent handling of this matter and assurance that appropriate measures will be taken to prevent such occurrences in the future. If these issues are not resolved promptly, I will have no choice but to escalate this matter through small claims court and/or arbitration. This complaint serves as formal documentation of my administrative process in seeking remedy. I expect CashApp to address these concerns with the seriousness they deserve and take immediate corrective action. **Govern yourselves accordingly. ** I have attached the document you allege was sent to me confirming and verifying that this transaction was authorized. THIS DOCUMENT is not sufficient to uphold in court. When i claim that a transaction was unauthorized, the bank must provide specific evidence to prove that the transaction was, in fact, authorized. The requirements may vary depending on the jurisdiction, but generally, the following are essential : 1. Evidence of Authorization Signed Document or Agreement : The bank may need to produce a signed document, such as a transaction authorization form, showing your consent.\n\nDigital or Electronic Authorization : If the transaction was conducted online, the bank must show proof that you authenticated it using credentials like a password, PIN, biometric data ( e.g., fingerprint or facial recognition ), or a one-time code.\n\n2. Authentication Records IP Address or Location Data : For online transactions, the bank might provide evidence of the device or location where the transaction occurred, matching it to your known usage patterns.\n\nTimestamp and Confirmation Logs : Records showing when and where the transaction was initiated, including confirmation of successful authentication.\n\n3. Transaction Receipts or Evidence Merchant Records : Proof from the merchant showing that goods or services were provided in connection with the transaction.\n\nPoint-of-Sale Records : If the transaction was in person, records from the payment terminal, including any signed receipts.\n\n4. Compliance with Industry Standards Fraud Detection Protocols : Evidence that the bank followed established fraud-detection measures at the time of the transaction.\n\nTwo-Factor Authentication Evidence : Proof that additional security measures, like two-factor authentication, were applied and successfully completed.\n\n5. Your Banking Agreement Terms of Service : A copy of the agreement you signed when opening the account, showing the terms of authorization and dispute resolution.\n\nDispute Response Timeline : Evidence that they responded to your claim within the legally required timeframe.\n\nIf the bank can not provide sufficient evidence that the transaction was authorized by you or a party you granted authority to, they are generally required to reimburse the amount of the disputed transaction under consumer protection laws like the Electronic Fund Transfer Act ( EFTA ) in the U.S. or similar regulations in other countries.","date_sent_to_company":"2025-01-19T14:20:56.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"93552","tags":null,"has_narrative":true,"complaint_id":"11626508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-19T14:06:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The transactions were made by a merchant operating under the name <em>XXXX</em>, with locations in <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>, starting on XX/XX/year>2023. - The disputed transactions are as follows : - XX/XX/<em>scrub</em>>/2023 : {$550.00} - XX/XX/year>2023 : {$480.00} - <em>XXXX</em>/<em>XXXX</em>/2023 : {$480.00} - <em>XXXX</em>/<em>XXXX</em>/2023 : {$480.00} - XX/XX/year>2023 : {$480.00} - XX/XX/<em>scrub</em>>/2023 : {$480.00} - XX/XX/year>2023 : {$480.00} - <em>XXXX</em>/<em>XXXX</em>/2023 : {$480.00} - XX/XX/<em>scrub</em>>/2023 : {$480.00} - XX/XX/<em>scrub</em>>/2023 : {$480.00} - XX/XX/<em>scrub</em>"]},"sort":[14.77456,"11626508"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3}]}},"product":{"doc_count":3,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}}]}},"issue":{"doc_count":3,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}}]}},"timely":{"doc_count":3,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3}]}},"company_response":{"doc_count":3,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":3,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3}]}},"company":{"doc_count":3,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"ARVEST BANK GROUP, INC.","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1}]}},"state":{"doc_count":3,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":1},{"key":"NY","doc_count":1},{"key":"OK","doc_count":1}]}},"company_public_response":{"doc_count":3,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":3,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}