{"took":300,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3317,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21776661","_score":17.643692,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, and XX/XX/year>, transactions in the amounts of {$2500.00} and {$1600.00}, respectively, were debited from my account by a merchant identified as XXXX XXXX XXXXXXXX. \n\nThese charges were represented as being related to alleged lease violations. However, this representation is false. I had already satisfied all legitimate lease obligations in full, and no valid lease violations occurred that would justify these additional charges. \n\nThe amounts charged were not consistent with any contractual terms and appeared to be unilaterally created and modified by the merchant. The merchant also asserted additional claims, including alleged property damage ( e.g., a broken door ), which did not occur and were not supported by any evidence or inspection. \n\nIn addition, the services associated with the lease were not properly provided, including maintenance obligations and the provision of a habitable living environment. Communication from the merchant included conduct that I consider improper and harassing.\n\nI provided my payment information in the context of what I believed to be legitimate rent-related transactions. However, there is concern that the individual ( s ) processing or facilitating these charges may have acted outside the scope of lawful authority or misrepresented their role, raising potential fraud or unauthorized transaction concerns.\n\nI contacted or attempted to address these issues with the merchant around XX/XX/year>, but the matter was not resolved. \n\nAs a result, I initiated a dispute with my financial institution requesting reversal of these charges. These transactions are disputed in full as unauthorized, improperly authorized, and/or obtained through misrepresentation. \n\nThis complaint is being submitted to ensure appropriate review of both the merchants conduct and the financial institutions handling of the dispute under applicable consumer protection standards and to ensure the financial institution issues me a refund immediately.","date_sent_to_company":"2026-05-01T02:34:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21776661","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-01T02:28:58.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["These transactions are <em>disputed</em> in full as unauthorized, improperly authorized, and/or obtained through misrepresentation. \n\nThis complaint is being submitted to ensure appropriate review of both the merchants conduct and the <em>financial</em> <em>institutions</em> handling of the <em>dispute</em> under applicable consumer protection standards and to ensure the <em>financial</em> <em>institution</em> issues me a refund immediately."]},"sort":[17.643692,"21776661"]},{"_index":"complaint-public-v1","_id":"20973041","_score":17.593266,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau Complaint I am submitting this complaint regarding a dispute with my financial institution over a charge of {$460.00} that I did not properly receive goods for and have been denied reimbursement. \n\nOn or around XX/XX/year>, I placed an order for groceries through XXXX using my debit card. Although the transaction was successfully processed, the groceries were never delivered to me. I made multiple attempts to resolve this issue directly with the merchant, XXXX, and I have documentation showing that I contacted them regarding the missing delivery. \n\nDespite my efforts, XXXX informed me that the issue was outside of their resolution timeframe and directed me to contact my bank for further assistance. Following this, I filed a dispute with my financial institution. However, after their investigation, they denied my claim, stating that no error had occurred. \n\nI strongly disagree with this determination. While I did authorize the transaction, the goods and services paid for were never received. This constitutes a failure on the merchants part to fulfill the transaction. I have not benefited from this charge in any way and should not be held financially responsible for undelivered goods. \n\nMy financial institution has refused to credit my account or properly recognize this as a valid dispute, despite the fact that I can provide proof of my attempts to resolve the issue with the merchant and evidence that the items were never delivered. \n\nI am requesting that this matter be reviewed and that I receive a refund for the {$460.00} charge. I am also requesting that my financial institution conduct a fair and thorough review of my dispute in accordance with consumer protection regulations. \n\nI am prepared to provide supporting documentation, including correspondence with XXXX, upon request. \n\nThank you for your time and assistance in resolving this matter.","date_sent_to_company":"2026-04-06T14:59:27.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"20973041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-06T14:51:55.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am also requesting that my <em>financial</em> <em>institution</em> conduct a fair and thorough review of my <em>dispute</em> in accordance with consumer protection regulations. \n\nI am prepared to provide supporting documentation, <em>including</em> correspondence with XXXX, upon request. \n\nThank you for your time and assistance in resolving this matter."]},"sort":[17.593266,"20973041"]},{"_index":"complaint-public-v1","_id":"10386898","_score":17.213306,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/2024 a charge from XXXX in the amount of {$99.00} was pending. XXXX was contacted and due to the software not being utilized since XX/XX/2024 the transaction was reversed on their end, as told by several representatives of the company. The charge remained pending until it posted. After waiting 10 business days, communication was sent to the merchant with a response stating that there would be no refund as the transaction was voided on their end and the charge should have reversed, resulting in the funds being returned to my available balance. Being that the merchant stated this information and the charge still reflecting as posted, a dispute was issued with Block Inc/Square Inc/Cashapp , hereby addressed as 'financial institution '. The dispute included the communication from the merchant stating the transaction was voided on their end. The dispute was denied and the supporting documentary evidence was disregarded. Further communication with the merchant referred to my financial institution for any further assistance due to the fact that the transaction was voided and nothing further on their end could be done. Several communication attempts with the financial institution resulted in the refiling of the dispute a total of 5 times along with 5 denials of said dispute, regardless of the communication directly from the merchant stating the transaction was voided and services were not rendered. Upon request of the information used to determine the decision, a timestamp of the posted transaction was provided with no additional supporting evidence relied upon to reach the conclusion of no error occurring. \n\nThe dealing of this issue has caused a great deal of stress, migraines, loss of sleep, mental anguish and XXXX  XXXX. Not including the time spent on various phone calls to attempt to have a proper investigation completed. All of this has been very stressful and without a proper investigation to be conducted, concluding that the funds for services not rendered by the merchant is deceptive, unfair, and unethical as per 15 USC 1693 ( f ) ( e ) ( 1 ) and 15 USC 1693 ( f ) ( e ) ( 2 ) as refusal to make a good faith investigation of the alleged error, nor did the financial institution provisionally credit the consumer 's account, nor was there reasonable basis for believing that the consumer 's account was not in error. The financial institution also knowingly and willingly concluded that the consumer 's account was not in error when such conclusion could not reasonably have been drawn from the evidence available at the time of investigation. Upon request of all information used during the course of the investigation, the financial institution failed to provide all documents relied upon to conclude such error did not occur, as per 15 USC 1693f ( d ). I have attached the communications from both the merchant and the financial institution as supporting documentary evidence.","date_sent_to_company":"2024-10-08T04:47:09.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"10386898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-10-08T03:49:55.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["After waiting 10 business days, communication was sent to the merchant with a response stating that there would be no refund as the transaction was voided on their end and the <em>charge</em> should have reversed, resulting in the funds being returned to my available balance. Being that the merchant stated this information and the <em>charge</em> still reflecting as posted, a <em>dispute</em> was issued with Block Inc/Square Inc/Cashapp , hereby addressed as '<em>financial</em> <em>institution</em> '."]},"sort":[17.213306,"10386898"]},{"_index":"complaint-public-v1","_id":"3429736","_score":17.206589,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"-- Square processed three transactions for {$5000.00} each, totaling {$15000.00}, between XX/XX/XXXX to XXXX, 2019 in exchange for {$520.00}. \n\n-- The cardholder 's financial institution disputed the charges despite extensive work that was done, so Square extracted {$15000.00} from my bank account on XX/XX/2019 while the case is considered -- This {$15000.00} is in addition to the {$520.00} Square already collected upfront in exchange for the original transactions. \n\n-- When asked what the additional {$520.00} they are holding is in exchange for on XX/XX/2019, Square was unable to provide details of expenses. Square also indicated that there's nothing else they can do to make a case to the cardholder 's financial institution, despite additional evidence of the original transactions. \n\n-- Evidence of the services provided to the cardholder in exchange for the transactions, including hihg-value video and media work products with the cardholder appearing in them, were provided to Square as requested, and Square transferred this material to the cardholder 's financial institution. Square indicated that it has done nothing else to make my case to the cardholder 's financial institution and is unable to submit additional evidence for 90 days. In the meantime, I'm left holding all the risk, including an additional {$520.00} which Square has not itemized.","date_sent_to_company":"2019-11-05T18:50:37.000Z","issue":"Unexpected or other fees","sub_product":"Domestic (US) money transfer","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"3429736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2019-11-05T18:11:23.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":[". \n\n-- The cardholder 's <em>financial</em> <em>institution</em> <em>disputed</em> the <em>charges</em> despite extensive work that was done, so Square extracted {$15000.00} from my bank account on XX/XX/2019 while the case is considered -- This {$15000.00} is in addition to the {$520.00} Square already collected upfront in exchange for the original transactions. \n\n-- When asked what the additional {$520.00} they are holding is in exchange for on XX/XX/2019, Square was unable to provide details of expenses."]},"sort":[17.206589,"3429736"]},{"_index":"complaint-public-v1","_id":"21727983","_score":17.195127,"_source":{"product":"Credit card","complaint_what_happened":"I am reporting an unauthorized charge of {$5100.00} on my Klarna account that was identified and reported on XX/XX/year>, the same day it appeared. I did not authorize this transaction, have no knowledge of who initiated it, and did not receive or benefit from any goods or services associated with it. \n\nI immediately reported this matter to Klarna, as well as to my financial institution and the merchant. My financial institution and the merchant promptly secured my information and took appropriate action. Despite this, Klarna failed to resolve the issue. \n\nI also reported this matter to local law enforcement and filed an identity theft report. \n\nSince XX/XX/year>, I have contacted Klarna more than XXXX times through both phone and written communication. During multiple interactions, Klarna representatives stated that the charge would be removed and that the matter was being resolved as identity theft. These statements were made repeatedly, including at the conclusion of calls, and were relied upon in good faith. \n\nDespite these representations, Klarna took no action to remove the charge. The dispute was ultimately closed without explanation while the unauthorized charge remains active. Klarna has failed to conduct a reasonable investigation and continues to hold me responsible for a transaction that was reported as fraudulent on the same day it occurred. \n\nI have taken all appropriate steps to address this matter, including securing my accounts, reporting to law enforcement, filing an identity theft report, disputing with credit reporting agencies, and submitting regulatory complaints. \n\nI am requesting the immediate removal of this unauthorized charge, written confirmation that I have no financial responsibility, and correction of any negative credit reporting associated with this account.","date_sent_to_company":"2026-04-29T22:30:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28409","tags":"Servicemember","has_narrative":true,"complaint_id":"21727983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Klarna AB","date_received":"2026-04-29T22:14:59.000Z","state":"NC","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["During multiple interactions, Klarna representatives stated that the <em>charge</em> would be removed and that the matter was being resolved as identity theft. These statements were made repeatedly, <em>including</em> at the conclusion of calls, and were relied upon in good faith. \n\nDespite these representations, Klarna took no action to remove the <em>charge</em>. The <em>dispute</em> was ultimately closed without explanation while the unauthorized <em>charge</em> remains active."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[17.195127,"21727983"]},{"_index":"complaint-public-v1","_id":"16672817","_score":17.173788,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint because my financial institution failed to properly investigate a disputed transaction and came to an inaccurate conclusion that it was not fraud. \n\nI disputed a {$230.00} charge from XXXX XXXX dated XX/XX/XXXX under Case No. XXXX. I discovered this fraudulent charge only after receiving a XXXX late notice, which was confusing because I was under the clear impression that the account had been closed in XX/XX/XXXX. \n\nI reported the issue immediately after receiving the late notice, yet the institutions employee delayed submitting the dispute for nearly a monthrepeatedly instructing me to call in and stalling the process. Despite these delays being entirely the institutions fault, they later denied the dispute, falsely claiming it was outside the XXXX window. \n\nThe financial institution also concluded that the transaction was not fraud but provided no evidence whatsoever that I authorized it. No proof such as a signed agreement, verified IP address or device ID, matching CVV/AVS results, or delivery confirmation was ever shown to me. \n\nThis demonstrates a failure to conduct a reasonable and good-faith investigation as required under Regulation E ( 12 CFR 1005.11 ) for electronic fund transfers, and possibly a violation of the Fair Credit Billing Act ( FCBA ) if processed through a credit account. Their handling of this matter appears arbitrary, negligent, and designed to frustrate the consumer dispute process. \n\nI am requesting that the CFPB : XXXX. Require the financial institution to reopen and properly investigate the dispute. \nXXXX. Compel them to provide all documentation used in their determination, including the merchants alleged proof of authorization. \nXXXX Review and investigate the institutions delay tactics and misleading dispute-handling practices, which may constitute deceptive or unfair business behavior under federal and Florida law. \n\nI am also reporting this issue to the Florida Attorney Generals Office for further investigation of these deceptive business practices.","date_sent_to_company":"2025-10-18T14:00:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33139","tags":null,"has_narrative":true,"complaint_id":"16672817","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2025-10-18T13:53:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am filing a complaint because my <em>financial</em> <em>institution</em> failed to properly investigate a <em>disputed</em> transaction and came to an inaccurate conclusion that it was not fraud. \n\nI <em>disputed</em> a {$230.00} <em>charge</em> from XXXX XXXX dated XX/XX/XXXX under Case No. XXXX. I discovered this fraudulent <em>charge</em> only after receiving a XXXX late notice, which was confusing because I was under the clear impression that the account had been closed in XX/XX/XXXX."],"company":["Possible <em>Financial</em> Inc"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[17.173788,"16672817"]},{"_index":"complaint-public-v1","_id":"19106422","_score":16.573027,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is submitted together with a cover letter and a sworn, notarized affidavit, which are incorporated by reference and provide a detailed factual record of the events described below. \n____________________________________________________________________ In late XX/XX/year>, I identified a debit card charge for {$89.00} that I did not recognize at the time it posted to my account. Because merchant details were not visible and the charge was unfamiliar, I contacted the financial institution and reported the transaction as potentially unauthorized. \n\nOn XX/XX/year>, a provisional credit of {$89.00} was issued while the claim was under review. \n\nAfter the claim was initiated, additional information became available identifying the merchant. I then recalled that the only transaction I made at that location was a single small purchase ( approximately {$1.00} for a soda ). I did not authorize, agree to, or receive goods or services totaling {$89.00}. I notified the financial institution that the issue concerned an incorrect or unauthorized amount, not unauthorized use of my card. \n\nDespite this clarification, the institution refused to reclassify the claim as a billing error or incorrect amount dispute and proceeded to deny it as fraud. The denial stated that the claim was rejected because I authorized and/or participated in the activity. I dispute this reasoning, as participation in a transaction does not constitute authorization of an incorrect or altered amount.\n\nRepresentatives advised that XXXX requires a receipt and suggested the dispute could not proceed without one. I explained that it is unrealistic to retain receipts for minor purchases such as a {$1.00} transaction. I was also advised that XXXX controlled the outcome, which conflicted with my understanding that claim classification is the responsibility of the financial institution. \n\nDue to the lack of cooperation, I contacted the merchant directly. Rather than checking records by date or transaction, the merchant requested that I come into the store. I declined due to safety concerns and because I believe the dispute should be handled between the financial institution and the merchant. \n\nOn XX/XX/year>, I received written notice that the claim was denied and that the {$89.00} provisional credit would be reversed on XX/XX/year>. \n\nThis is the second dispute in which I have experienced similar handling by this institution, including refusal to correct claim classification and reliance on participation to deny an amount dispute. I am requesting review and assistance to ensure proper dispute handling and compliance.","date_sent_to_company":"2026-01-29T17:49:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27707","tags":null,"has_narrative":true,"complaint_id":"19106422","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-29T17:23:09.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This is the second <em>dispute</em> in which I have experienced similar handling by this <em>institution</em>, <em>including</em> refusal to correct claim classification and reliance on participation to deny an amount <em>dispute</em>. I am requesting review and assistance to ensure proper <em>dispute</em> handling and compliance."]},"sort":[16.573027,"19106422"]},{"_index":"complaint-public-v1","_id":"2206227","_score":16.561367,"_source":{"product":"Bank account or service","complaint_what_happened":"Dispute No. : XXXX Institution has, as of this date ( XXXX ), taken 205 days without resolution to unauthorized charges to my debit card. I am aware the institution is aware of the rules regarding reporting of theft of ATM cards, however I will restate the law as below : Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act - Regulation E ( 12 CFR 205.6 ) Event Timing of Consumer Notice to Financial Institution : Maximum liability : Loss or theft of access device. Within two business days after learning of loss or theft lesser of {$50.00}, OR total amount of unauthorized transfers Loss or theft of access device. \nNotice to the Financial Institution. At the consumer 's option, notice may be given in person, by telephone, or in writing. ( Section 205.6 ( b ) ( 5 ) ( ii ) ). \n15 U.S. Code 1693g - Consumer liability ( b ) BURDEN OF PROOF \" ... the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized ... '' This dispute is a simple theft of an ATM card. According to all applicable rules, the institution was notified with 48 hours of the theft. The institution 's claim that any additional paperwork was not received is completely irrelevant under the actual notification rules. The institution has further received all requested paperwork subsequent to notifying me including a signed affidavit that I did not make or authorize any other party to make the charges, a police report in which I stated the card was stolen without my knowledge and I did not authorize any other party to make the charges, and further proof that additional property was stolen on the same date, for which I filed an insurance claim for replacement ( XXXX ). \nI have tried several times to speak reasonably with the institution and have been assured by the branch, the branch manager, various dispute representatives, and other parties within the institution that the issue would be resolved. Filing with the CFPB is the only way I get a response. Response to my legal counsel so far was simply another restatement that the issue was \" under investigation. '' I started out with the impression that the institution was providing good customer service and protection against criminals who managed to subvert their security measures. However, as this has dragged on now for well over six months, I am pretty much at my wit 's end and limit of frustration. \nI have gained nothing from this. I have spent significant money in legal expenses. I have incurred additional financial penalties to withdraw funds from other sources to cover the loss. I have put my engagement on hold as well as my vacation in which I had already invested unrecoverable costs in reservation of lodging. In short, this has significantly disrupted my life. The rules are written in such a way to protect the consumer, as if the bank were simply allowed to retain the funds and decide internally whether the transactions were authorized, the institution would always decide in its own favor. In any case, the burden of proof is on the institution, and they can either follow the rules or take me to court for fraud. However, placing the burden on me of proving to them I did not make the charges, and placing the burden of legal expenses on me to fight the institution is just wrong. At this point, even if the issue is resolved per the rules, I am already out around 50 % of the value of the losses including all the time spent on the phone with the bank, in the bank, gathering paperwork after the fact as the institution failed to notify a request for additional information ( I have already stated no paperwork was received at my current address and no representative has provided anything showing notice was sent certified mail ), and generally given an endless run-around for over six months.","date_sent_to_company":"2016-11-14T22:43:58.000Z","issue":"Using a debit or ATM card","sub_product":"Checking account","zip_code":"77008","tags":null,"has_narrative":true,"complaint_id":"2206227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2016-11-14T22:43:58.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Dispute</em> No. : XXXX <em>Institution</em> has, as of this date ( XXXX ), taken 205 days without resolution to unauthorized <em>charges</em> to my debit card. I am aware the <em>institution</em> is aware of the rules regarding reporting of theft of ATM cards, however I will restate the law as below : Consumer Liability for Unauthorized Transfers : Electronic Fund Transfer Act - Regulation E ( 12 CFR 205.6 ) Event Timing of Consumer Notice to <em>Financial</em> <em>Institution</em> : Maximum liability : Loss or theft of access device."],"company":["BBVA <em>FINANCIAL</em> CORPORATION"]},"sort":[16.561367,"2206227"]},{"_index":"complaint-public-v1","_id":"15647285","_score":16.448711,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL Account Number ( last XXXX digits only ) : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$320.00} XXXX Name : [ Name listed on the transaction ] I did not authorize this transaction, nor do I recognize it. I contacted my financial institution on [ date you reported the issue ] to dispute the charge, but the matter has not been resolved satisfactorily. \nUnder the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ), I understand that I have the right to dispute unauthorized or erroneous charges on my account and request a prompt investigation. \nI respectfully request that the CFPB review my complaint and take action to ensure that this matter is resolved fairly. Please find attached copies of any supporting documentation, including my statement showing the disputed transaction, any prior correspondence with my financial institution, and my official dispute letter to them. \nThank you for your attention to this matter. Please let me know if additional information or documentation is required.","date_sent_to_company":"2025-09-01T20:15:27.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"15647285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-01T19:26:46.000Z","state":"IL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Please find attached copies of any supporting documentation, <em>including</em> my statement showing the <em>disputed</em> transaction, any prior correspondence with my <em>financial</em> <em>institution</em>, and my official <em>dispute</em> letter to them. \nThank you for your attention to this matter. Please let me know if additional information or documentation is required."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[16.448711,"15647285"]},{"_index":"complaint-public-v1","_id":"21107680","_score":16.38893,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding my financial institutions handling of a dispute involving fraudulent charges totaling {$7200.00} USD. \n\nI made payments to a company called XXXX XXXX XXXX for professional soccer representation services, including securing a contract with a team in XXXX ( XXXX XXXX XXXX ). The company provided documentation and travel details suggesting that a legitimate transfer process was underway. However, no services were ever delivered. I did not sign a final contract ( only a pre-contract agreement ), I did not travel, and no placement occurred. \n\nAfter receiving payment, the company ceased communication and failed to fulfill any of its obligations. This constitutes clear misrepresentation and deceptive business practices. \n\nI initiated disputes across multiple financial institutions. While my credit card issuers have successfully refunded their respective transactions, a portion of the funds remains unresolved. Specifically, {$1000.00} USD from my PNC Bank accountprocessed through XXXX and XXXX not been returned. \n\nDespite providing documentation showing that services were not rendered and that the transaction was part of a fraudulent scheme, this portion of the claim remains denied or unresolved. \n\nGiven the totality of the circumstancesincluding misrepresentation, non-delivery of services, and lack of communicationI respectfully request : A reopening of the investigation into the remaining disputed funds A full refund of the outstanding {$1000.00} USD A thorough review of how this claim was evaluated, particularly in light of the successful chargebacks issued by other financial institutions Supporting documentation, including payment records, communication evidence, and a comprehensive case file summary, has been provided. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-04-09T21:29:40.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"08234","tags":null,"has_narrative":true,"complaint_id":"21107680","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-04-09T21:04:45.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing a complaint regarding my <em>financial</em> <em>institutions</em> handling of a <em>dispute</em> involving fraudulent <em>charges</em> totaling {$7200.00} USD. \n\nI made payments to a company called XXXX XXXX XXXX for professional soccer representation services, <em>including</em> securing a contract with a team in XXXX ( XXXX XXXX XXXX ). The company provided documentation and travel details suggesting that a legitimate transfer process was underway. However, no services were ever delivered."]},"sort":[16.38893,"21107680"]},{"_index":"complaint-public-v1","_id":"14003660","_score":16.343033,"_source":{"product":"Checking or savings account","complaint_what_happened":"2nd Complaint to CFPB refer to complaint id XXXX Chime Bank XX/XX/XXXXXXXX  funds were taken electronically out of my account in the amount of {$2900.00}. I contacted Chime once I noticed funds were missing XX/XX/XXXX. Disputed the charges 3 separate occasions XX/XX/XXXX, XXXX, XX/XX/XXXX. All 3 times I was informed no error has occurred Consumer law states : When the alleged error is an unauthorized EFT, the EFTA places the burden of proof on the financial institution to establish the transaction was authorized. Therefore, if the institution can not establish the disputed EFT transaction was authorized, the institution must credit the consumers account.XXXX * Where is Chimes Burden of Proof that these charges were authorized by me. There is none. Consumer Violation # 1 Chime also states via their disclosure agreement and website : Chime cards are backed by XXXX  XXXX Liability Policy.1 Members can shop worry-free at millions of locations, knowing theyre not responsible for unauthorized charges if their Chime XXXX XXXX XXXX  or Chime Credit XXXX XXXX XXXX XXXX XXXX is lost , stolen, or fraudulently used, online or offline. Members should contact Chime right away if they notice an unauthorized charge * In which once again I notified Chime of my unauthorized charges, Im supposed to be Not liable I did what it says. How am I still being held liable, false advertising maybe? \n\nConsumer violation 2 : 100.5 ( 6 ) Liability under state law or agreement. If state law or an agreement between the consumer and the financial institution imposes less liability than is provided by this section, the consumer 's liability shall not exceed the amount imposed under the state law or agreement.\n\nConsumer Violation 3 : 11 ( d ) Procedures if Financial Institution Determines No Error or Different Error Occurred 11 ( d ) ( 1 ) Written Explanation 1. Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes.\n\nI was NOT provided any copies of how they came up with their results as i requested. I was provided this generic response : When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, including but not limited to : Transaction processing details Fraud alert responses related to transactions Login and authentication history My entire phone was stolen which Chime was provided a police report of course fraud responses were answered, someone else had my phone.","date_sent_to_company":"2025-06-10T08:29:28.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"89031","tags":null,"has_narrative":true,"complaint_id":"14003660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-06-10T07:58:28.000Z","state":"NV","company_public_response":null,"sub_issue":"Late or other fees"},"highlight":{"complaint_what_happened":["<em>Disputed</em> the <em>charges</em> 3 separate occasions XX/XX/XXXX, XXXX, XX/XX/XXXX. All 3 times I was informed no error has occurred Consumer law states : When the alleged error is an unauthorized EFT, the EFTA places the burden of proof on the <em>financial</em> <em>institution</em> to establish the transaction was authorized."],"company":["Chime <em>Financial</em> Inc"]},"sort":[16.343033,"14003660"]},{"_index":"complaint-public-v1","_id":"21867540","_score":16.334307,"_source":{"product":"Credit card","complaint_what_happened":"I entered into a verbal agreement with XXXX XXXX XXXX for a premium hospitality and advertising package during the XXXX XXXX XXXX XXXX at XXXX XXXX. The agreement included a branded space, advertising exposure through rollover banners, and related marketing benefits. \nI proceeded with multiple payments across different credit card accounts based on these representations. \nWhile the services initially began, the merchant removed the approved advertising banners after the second event without justification. This action eliminated the primary purpose of the purchase, which was brand exposure. \nI attempted to resolve the issue directly with the merchant, but no refund, credit, or corrective action was provided. \nI then disputed the charges with my financial institutions, including XXXX, Capital One, and XXXX XXXX XXXX XXXX. However, the disputes were denied or not properly investigated. The institutions failed to clearly explain their decisions or identify what documentation was missing. \nAs a result, I am seeking a full reversal of the charges because the services were not rendered as described and the core value of the transaction was not delivered.","date_sent_to_company":"2026-05-04T21:37:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"21867540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-04T20:53:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I then <em>disputed</em> the <em>charges</em> with my <em>financial</em> <em>institutions</em>, <em>including</em> XXXX, Capital One, and XXXX XXXX XXXX XXXX. However, the <em>disputes</em> were denied or not properly investigated. The <em>institutions</em> failed to clearly explain their decisions or identify what documentation was missing. \nAs a result, I am seeking a full reversal of the <em>charges</em> because the services were not rendered as described and the core value of the transaction was not delivered."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.334307,"21867540"]},{"_index":"complaint-public-v1","_id":"20024339","_score":16.198122,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding a {$590.00} transaction made using my virtual debit card through Current. I noticed the transaction and immediately reported it to Current as unauthorized and requested that the charge be disputed. \n\nCurrent opened an investigation into the disputed transaction. After some time, I received a notice stating that the investigation had been completed and that the transaction was determined to be authorized, and my dispute was denied. However, I did not authorize this {$590.00} transaction and I believe the investigation was inadequate. \n\nI requested information and documentation explaining how the determination was made that the transaction was authorized, including what evidence was used in the investigation. I was not provided meaningful documentation supporting their conclusion. \n\nBecause this involves an unauthorized electronic fund transfer using a debit card, I believe the matter should be reviewed under the Electronic Fund Transfer Act and Regulation E. I am requesting that the financial institution review this case again and conduct a proper investigation of the disputed transaction. \n\nAlso I am formally requesting that the financial institution provide the documentation used in its investigation as required under Regulation E. If the institution can not demonstrate that this electronic fund transfer was authorized by me, I request that the {$590.00} be refunded to my account. If necessary, I am requesting that the dispute be reopened and reviewed again in accordance with the requirements of the Electronic Fund Transfer Act.","date_sent_to_company":"2026-03-06T02:23:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"08012","tags":null,"has_narrative":true,"complaint_id":"20024339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-03-06T02:03:37.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting that the <em>financial</em> <em>institution</em> review this case again and conduct a proper investigation of the <em>disputed</em> transaction. \n\nAlso I am formally requesting that the <em>financial</em> <em>institution</em> provide the documentation used in its investigation as required under Regulation E. If the <em>institution</em> can not demonstrate that this electronic fund transfer was authorized by me, I request that the {$590.00} be refunded to my account."]},"sort":[16.198122,"20024339"]},{"_index":"complaint-public-v1","_id":"5302434","_score":16.178509,"_source":{"product":"Checking or savings account","complaint_what_happened":"I received the response yesterday from Wells Fargo ; however, it is unacceptable. I also received your enclosure with important information about overdrafts. The very first sentence confirms Wells Fargo has violated me on several occasions. An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. I am attaching to this complaint evidence of the fact that Wells Fargo does not pay it anyway. \n\nAgain, this is a violation of 12 UCC 1005.17 Requirements for overdraft services. \n\n( a ) Definition. For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. \n\n\n\nIn addition to failing to meet requirements for the overdraft service, Wells Fargo has violated me by failing to meet the requirements for consent. Not only did I NOT consent to these charges, Ive called several times to dispute these charges, showing the I DO NOT CONSENT to these charges. This is willful and malicious. 12 UCC 1005.17 ( b ) Opt-in requirement- ( 1 ) General. Except as provided under paragraph ( c ) of this section, a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service, unless the institution : ( i ) Provides the consumer with a notice in writing, or if the consumer agrees, electronically, segregated from all other information, describing the institution 's overdraft service ; In this complaint, I am also attaching my statement showing that in the last 18 months alone, Wells Fargo has stolen almost {$1000.00} from my account. I have been a Wells Fargo customer for well over 2 decades and I am hurt to realize that you all operate without integrity.","date_sent_to_company":"2022-03-09T17:29:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30052","tags":null,"has_narrative":true,"complaint_id":"5302434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-03-09T16:57:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fee problem"},"highlight":{"complaint_what_happened":["Not only did I NOT consent to these <em>charges</em>, Ive called several times to <em>dispute</em> these <em>charges</em>, showing the I DO NOT CONSENT to these <em>charges</em>. This is willful and malicious. 12 UCC 1005.17 ( b ) Opt-in requirement- ( 1 ) General."]},"sort":[16.178509,"5302434"]},{"_index":"complaint-public-v1","_id":"8873345","_score":16.17319,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, & Equifax are reporting late payment that have not been validated as accurate and more have they sent me a notice of my rights to dispute this information before reporting it to my consumer file. Each agency stated that these late payments were validated so forward the documents used to determine this. \n\n( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.\n\n( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2024-04-28T02:49:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"8873345","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-28T02:49:11.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["person by the <em>financial</em> <em>institution</em>"]},"sort":[16.17319,"8873345"]},{"_index":"complaint-public-v1","_id":"8873344","_score":16.150185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, Experian, & XXXX are reporting late payment that have not been validated as accurate and more have they sent me a notice of my rights to dispute this information before reporting it to my consumer file. Each agency stated that these late payments were validated so forward the documents used to determine this. \n\n( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.\n\n( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2024-04-28T02:49:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"8873344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-28T02:49:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["person by the <em>financial</em> <em>institution</em>"]},"sort":[16.150185,"8873344"]},{"_index":"complaint-public-v1","_id":"8873299","_score":16.140749,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, & XXXX are reporting late payment that have not been validated as accurate and more have they sent me a notice of my rights to dispute this information before reporting it to my consumer file. Each agency stated that these late payments were validated so forward the documents used to determine this. \n\n( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.\n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2024-04-28T02:49:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"8873299","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-28T02:38:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["person by the <em>financial</em> <em>institution</em>"]},"sort":[16.140749,"8873299"]},{"_index":"complaint-public-v1","_id":"12263775","_score":16.081978,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting a complaint regarding unauthorized transactions resulting from a data breach at TD Bank. Due to the exposure of my personal information, including my Social Security number, phone number, address, and legal name, I suffered financial losses totaling {$8300.00} USD. \n\nIncident Summary : TD Bank Account Loss : {$4400.00} USD was fraudulently withdrawn via XXXX XXXX. \n\nXXXX Account Loss : {$3900.00} USD was transferred to unauthorized recipients. \n\nFraudulent Scheme : Scammers, posing as TD Bank fraud department representatives, contacted me using my personal information. They sent a fake fraud alert, leading me to believe I was communicating with TD Bank. Under this pretense, they gained unauthorized access to my accounts and processed fraudulent transactions. \n\nInstitutional Response : I promptly contacted both TD Bank and XXXX to dispute the charges. However, both institutions refused assistance, citing the transactions as \" Friends and Family '' or \" Authorized Charges. '' Since these transactions were made under fraudulent circumstances and stemmed from a data breach, I did not authorize them. \n\nRequested Action : I request : A full reversal of the unauthorized transfers totaling {$8300.00} USD. \n\nAn investigation into TD Banks data breach and its impact on my personal information. \n\nMeasures to prevent further harm to my financial security. \n\nI urge the CFPB to take immediate action to hold financial institutions accountable for protecting consumer data and resolving fraud-related disputes.","date_sent_to_company":"2025-02-28T09:29:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"11222","tags":null,"has_narrative":true,"complaint_id":"12263775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-02-17T03:26:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Measures to prevent further harm to my <em>financial</em> security. \n\nI urge the CFPB to take immediate action to hold <em>financial</em> <em>institutions</em> accountable for protecting consumer data and resolving fraud-related <em>disputes</em>."]},"sort":[16.081978,"12263775"]},{"_index":"complaint-public-v1","_id":"19174289","_score":16.053165,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding an unauthorized and fraudulent transaction in the amount of {$940.00}, charged to my account by XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. \n\nI did not authorize, approve, or participate in this transaction in any capacity, nor did I receive any goods, services, or digital assets associated with this charge. Upon discovery, I promptly notified my financial institution and formally disputed the transaction in accordance with applicable consumer protection laws. \n\nDespite my timely notification and full cooperation, the disputed amount remains unresolved. The failure to provisionally credit or promptly resolve this matter constitutes a potential violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require financial institutions to investigate unauthorized electronic fund transfers and protect consumers from financial loss. \n\nThis unauthorized withdrawal has caused financial hardship and undue stress, and I am concerned that appropriate fraud prevention and dispute resolution procedures were not adequately followed. \n\nI am requesting immediate corrective action, including a full refund of {$940.00}, a thorough investigation, and written confirmation of the resolution. If this matter is not resolved promptly, I reserve the right to pursue additional remedies available under federal and state law.","date_sent_to_company":"2026-02-02T08:44:51.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"46530","tags":null,"has_narrative":true,"complaint_id":"19174289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-02-02T08:36:42.000Z","state":"IN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I did not authorize, approve, or participate in this transaction in any capacity, nor did I receive any goods, services, or digital assets associated with this <em>charge</em>. Upon discovery, I promptly notified my <em>financial</em> <em>institution</em> and formally <em>disputed</em> the transaction in accordance with applicable consumer protection laws. \n\nDespite my timely notification and full cooperation, the <em>disputed</em> amount remains unresolved."],"company":["Chime <em>Financial</em> Inc"]},"sort":[16.053165,"19174289"]},{"_index":"complaint-public-v1","_id":"8851118","_score":15.955251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX and Affirm Inc is alleging I was late on a payment account. Federal law states that consumer agencies have to provide notice 21 days before reporting a late payment and creditors are barred from sharing financial information with non affiliates. The consumer agencies are not affiliates of any financial institution but instead sell information on consumers for profit. \n\n( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law XXXX ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2024-04-24T20:21:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30813","tags":null,"has_narrative":true,"complaint_id":"8851118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2024-04-24T20:21:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["person by the <em>financial</em> <em>institution</em>"]},"sort":[15.955251,"8851118"]},{"_index":"complaint-public-v1","_id":"8434608","_score":15.952655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. \n\nI have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. \n\nIt is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. \n\nI have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. \n\nAs a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. \n\nI urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. \n\nFurthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. \n\nPlease consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.","date_sent_to_company":"2024-02-28T03:13:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76014","tags":null,"has_narrative":true,"complaint_id":"8434608","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-28T03:13:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove <em>charge</em>-offs from my account. Despite multiple requests and efforts on my part, these <em>charge</em>-offs persist on my account statement, causing significant distress and inconvenience. \n\nI have diligently followed the procedures outlined by your <em>institution</em> to <em>dispute</em> and request the removal of these <em>charge</em>-offs."]},"sort":[15.952655,"8434608"]},{"_index":"complaint-public-v1","_id":"8434607","_score":15.934299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. \n\nI have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. \n\nIt is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. \n\nI have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. \n\nAs a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. \n\nI urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. \n\nFurthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. \n\nPlease consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.","date_sent_to_company":"2024-02-28T03:13:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76014","tags":null,"has_narrative":true,"complaint_id":"8434607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-28T03:13:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove <em>charge</em>-offs from my account. Despite multiple requests and efforts on my part, these <em>charge</em>-offs persist on my account statement, causing significant distress and inconvenience. \n\nI have diligently followed the procedures outlined by your <em>institution</em> to <em>dispute</em> and request the removal of these <em>charge</em>-offs."]},"sort":[15.934299,"8434607"]},{"_index":"complaint-public-v1","_id":"8434593","_score":15.934299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. \n\nI have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. \n\nIt is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. \n\nI have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. \n\nAs a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. \n\nI urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. \n\nFurthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. \n\nPlease consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.","date_sent_to_company":"2024-02-28T03:12:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76014","tags":null,"has_narrative":true,"complaint_id":"8434593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-28T03:08:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove <em>charge</em>-offs from my account. Despite multiple requests and efforts on my part, these <em>charge</em>-offs persist on my account statement, causing significant distress and inconvenience. \n\nI have diligently followed the procedures outlined by your <em>institution</em> to <em>dispute</em> and request the removal of these <em>charge</em>-offs."]},"sort":[15.934299,"8434593"]},{"_index":"complaint-public-v1","_id":"8895328","_score":15.932209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file listed on the account as XXXX Account XXXX XXXX. There is a late payment reporting from each consumer agency. Transunion & XXXX have the late payment listed as XX/XX/XXXX & XXXX has it listed as XX/XX/XXXX. This can not be accurate as the account can not be reported 3 different ways. Furthermore what evidence did this creditor provide to prove that I was in fact late because to my knowledge consumer agencies are not affiliated with any financial institution therefore they should not have access to my private financial history. \n( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.\n\n( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2024-04-30T21:48:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32207","tags":null,"has_narrative":true,"complaint_id":"8895328","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-30T21:31:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["person by the <em>financial</em> <em>institution</em>"]},"sort":[15.932209,"8895328"]},{"_index":"complaint-public-v1","_id":"8851249","_score":15.932209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian and XXXX XXXX is alleging I was late on a payment account. Federal law states that consumer agencies have to provide notice 21 days before reporting a late payment and creditors are barred from sharing financial information with non affiliates. The consumer agencies are not affiliates of any financial institution but instead sell information on consumers for profit. \n\n( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. \n\n( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. \n\n( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n\n( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. \n\n( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2024-04-24T20:20:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30813","tags":null,"has_narrative":true,"complaint_id":"8851249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-24T20:12:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["( XXXX ) Exception This subsection shall not prevent a <em>financial</em> <em>institution</em> from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the 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