{"took":100,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2155,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7478280","_score":18.859844,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is in response to the response given by the institution on my last complaint, Chime has failed to properly investigate my disputes, ignored requests for proper documentation and a valid reason for denial of claims. As a consumer I have a right to file a chargeback in the following circumstances Fraud or unauthorized charges on the account.\n\nOrders that were never delivered.\n\nMerchandise that arrives damaged or defective.\n\nOrders that do not reflect what was purchased. \nIncorrect charges ( additional charges or incorrect totals ). \n\n\nIn regards to Dispute XXXX Chime has continued to fail to investigate, provide a reason, and supporting documents used to support their denial or honor my chargeback/dispute rights backed by XXXX. I request my money back for the amount of XXXX. I have submitted supporting documents regarding the disputes and the shady practices performed by the merchant and how they have blatantly violated VISAs rules and Policies all of which Chime proudly says I am protected by. Chime has already failed to comply with their obligations on this dispute. I have proof that Chime has failed to provide supporting documentation or a valid reason to deny this claim within the 10 day time frame they are required to. \n\nIn regards to Dispute XXXX Chime had failed to investigate properly, provide supporting documents for their denial or honor my chargeback/dispute rights. Chime decided to deny my claim of unauthorized transactions without properly investigating the supporting documents supplied by only 1 of the 4 vendors in question.\n\nThey have failed to address how my card was charged 7 times in under a minute by two different vendors with a similar name who also failed to provide supporting documentation to validate one of the charges they did not willfully refund. They have failed to address how this same vendor charged my card for the same amount in under a minute, did not provide a refund and did not provide supporting documentation to validate the charge. They have failed to address charges not associated with the vendor who did provide documentation and did not provide any supporting documentation or reason to validate the charge.\n\nIn regards to 9 of the charges that documentation was provided by the vendor, this vendor has blocked access to the account has not attempted to communicate with me at all and I have no way to contact them, based on that premise, I do not have access to the supposed purchases chime says I made and now own. Based on that alone I am entitled to a chargeback. It is CLEAR THEY ARE NOT REVIEWING COMPELLING EVIDENCE AS I HAVE DISPUTED WHAT WAS SUBMITTED BY THE VENDOR. And using evidence from one vendor as an excuse to deny charges am from a totally different one. \n\nIn regards to Dispute XXXX They have failed to investigate ANY charges dated XX/XX/2023 from a vendor currently in dispute. I have 60 days to dispute billing charges from the time that I receive the statement. The charges they immediately denied appeared on my statement delivered in XXXX, there should be no reason why they were not handled in the same manor as the other charges attached to this dispute. Chime continues to pick and choose what rules and policies they wish to follow. Again not honoring Visas practices. \n\nNo matter what evidence or documentation that I submit, it is clear based on the responses that I am getting that NO ONE is really investigating my claims. I have provided proof of the merchants in question shady business practices, how I have been prevented from using my purchases, and how the merchant has violated rules set forth by VISA and who Chime is refusing to do their part to hold them accountable. I am a victim of a fraudulent merchant and should be protected by financial institution. \n\nI want chargebacks filed on all the requested transactions and access to the money that was taken from me.","date_sent_to_company":"2023-08-30T23:43:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"64138","tags":null,"has_narrative":true,"complaint_id":"7478280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-08-30T23:27:33.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Chime has already <em>failed</em> to comply with their obligations on this dispute. I have proof that Chime has <em>failed</em> to <em>provide</em> <em>supporting</em> documentation or a valid <em>reason</em> to deny this claim within the 10 day time frame they are required to. \n\nIn regards to Dispute XXXX Chime had <em>failed</em> to <em>investigate</em> properly, <em>provide</em> <em>supporting</em> documents for their denial or honor my chargeback/dispute rights."]},"sort":[18.859844,"7478280"]},{"_index":"complaint-public-v1","_id":"3012714","_score":17.505428,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.","date_sent_to_company":"2018-09-07T05:18:13.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"92833","tags":null,"has_narrative":true,"complaint_id":"3012714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2018-09-07T05:05:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":[". *** Barclays also <em>FAILED</em> to <em>provide</em> what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO <em>FAILED</em> TO <em>PROVIDE</em> WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO <em>SUPPORT</em> THE <em>REASON</em> WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please <em>investigate</em> this serious and intentional violation."]},"sort":[17.505428,"3012714"]},{"_index":"complaint-public-v1","_id":"5096185","_score":16.475264,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a dispute by mail to Equifax regarding a 60 day late payment being reported by XXXX XXXX which is incorrect. Equifax failed to conduct an actual investigation and provide supporting documents showing why they are stating the late payment is valid. I requested their method of verification and that was also dismissed. I filed a CFPB complaint and Equifax closed the case which makes no sense how that was allowed based on their reason which was once again generic and did not make sense either. No actual ethical investigation has been completed by Equifax or this payment would already be deleted. Equifax responded with \" we hope this resolves your concerns '' but left out how it may have resolved my concerns as there was no information of the action they took other than closing the complaint. Equifax needs to be held accountable for their lack of investigation and inability to provide supporting documents.","date_sent_to_company":"2022-01-12T19:07:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"5096185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-01-12T18:53:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax needs to be held accountable for their lack of <em>investigation</em> and inability to <em>provide</em> <em>supporting</em> documents."]},"sort":[16.475264,"5096185"]},{"_index":"complaint-public-v1","_id":"20168040","_score":16.006195,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding inaccurate reporting and failure to properly investigate a dispute by XXXX XXXX  and Early Warning Services. \n\nOn XX/XX/year>, I submitted a written dispute to XXXX XXXX  regarding the closure and reporting of a bank account associated with my name ( account ending in XXXX ). In my dispute, I clearly requested documentation verifying the accuracy of the information furnished to consumer reporting agencies, including XXXX and Early Warning Services. Specifically, I requested the exact reason for the account closure, any alleged loss amount, and any evidence supporting the negative reporting. \n\nXXXX XXXX  responded with a generic statement claiming the information reported is accurate and that no changes were made. However, they did not provide any documentation, evidence, or explanation addressing the items requested in my dispute. Their response indicates that no reasonable investigation was conducted as required under the Fair Credit Reporting Act. \n\nAdditionally, Early Warning Services also failed to properly investigate this dispute and simply continued reporting the same information without providing verification or documentation supporting the reporting. \n\nI am requesting that XXXX XXXX  and Early Warning Services provide full documentation verifying the reporting, including the reason for closure, any alleged loss amount, and any evidence supporting the claim of suspected fraud. If they can not provide proper verification, I am requesting that the negative reporting be immediately corrected or deleted from all consumer reporting agencies. \n\nI also request confirmation that a reasonable investigation has been conducted in compliance with the Fair Credit Reporting Act.","date_sent_to_company":"2026-03-11T15:59:50.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"37207","tags":null,"has_narrative":true,"complaint_id":"20168040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2026-03-11T15:49:56.000Z","state":"TN","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Their response indicates that no reasonable <em>investigation</em> was conducted as required under the Fair Credit Reporting Act. \n\nAdditionally, Early Warning Services also <em>failed</em> to properly <em>investigate</em> this dispute and simply continued reporting the same information without providing verification or documentation <em>supporting</em> the reporting."]},"sort":[16.006195,"20168040"]},{"_index":"complaint-public-v1","_id":"7724818","_score":15.707058,"_source":{"product":"Credit card","complaint_what_happened":"On or about XX/XX/, I initiated a dispute of a purchase transaction posted to my Synchrony Bank PayPal Credit account on XX/XX/XXXX  in the amount {$140.00} by the merchant XXXX. The primary reason for the dispute was that certain goods delivered by the merchant were not in the condition specified by the merchant when the purchase was made. Specifically, the goods were described by the merchant as in \" New '' condition, but the condition of the goods delivered was Used and/or Refurbished. The secondary reason for the dispute was that the merchant authorized a return of the goods, but failed to provide a return shipping label or a return shipping address. The merchant also did not respond to a specific request to provide such label or address. This dispute was raised by my completion and signature on the merchant 's \" Dispute Acknowledgement Form '' together with four pages of annotated documentation supporting my reasons for the dispute. I submitted the form and attached documentation to Synchrony Bank via fax transmission. A copy of the documents that I submitted is attached to this complaint. Synchrony Bank has not made any substantive response to my dispute ; Synchrony failed to investigate the dispute, make any determination on the validity / accuracy of the transaction, and to send me any written statement regarding my dispute.","date_sent_to_company":"2023-10-19T14:39:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77095","tags":"Servicemember","has_narrative":true,"complaint_id":"7724818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-19T14:08:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Synchrony Bank has not made any substantive response to my dispute ; Synchrony <em>failed</em> to <em>investigate</em> the dispute, make any determination on the validity / accuracy of the transaction, and to send me any written statement regarding my dispute."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.707058,"7724818"]},{"_index":"complaint-public-v1","_id":"10618619","_score":15.698194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. \n\nHere are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/year> XXXXXXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nAnd : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nExperian informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. \n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. \nI asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. \nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation.\n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy.\n\nEnsures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA.\n\nI also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:31:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10618619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-29T12:31:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not <em>provide</em> any documentation to <em>support</em> their findings. \nI asked for the <em>supporting</em> documentation, as is my right under the FCRA, but Experian has <em>failed</em> to respond appropriately. \nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.698194,"10618619"]},{"_index":"complaint-public-v1","_id":"10618605","_score":15.694911,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. \n\nHere are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/year> XXXX XXXX XXXX  ( XXXX ) Account XXXX : XXXX Original Dispute Reason : This account does not belong to me. \n\nAnd : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nExperian informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. \n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. \nI asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately.\n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation.\n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy.\n\nEnsures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. \n\nI also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:31:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10618605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-29T12:11:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not <em>provide</em> any documentation to <em>support</em> their findings. \nI asked for the <em>supporting</em> documentation, as is my right under the FCRA, but Experian has <em>failed</em> to respond appropriately.\n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.694911,"10618605"]},{"_index":"complaint-public-v1","_id":"10618620","_score":15.677124,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. \n\nHere are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/2024 XXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nAnd : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/2024 Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nExperian informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. \n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. \nI asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. \nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation. \n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy. \nEnsures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. \n\nI also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:31:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10618620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-29T12:31:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not <em>provide</em> any documentation to <em>support</em> their findings. \nI asked for the <em>supporting</em> documentation, as is my right under the FCRA, but Experian has <em>failed</em> to respond appropriately. \nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.677124,"10618620"]},{"_index":"complaint-public-v1","_id":"11504560","_score":15.5805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX  Account Number : XXXX Balance : {$1700.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my Transunion report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. \n\nAccount Name : XXXX  Account Number : XXXX Balance : {$5100.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my Transunion report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$1800.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$1600.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$13000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$23000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$16000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$8200.00} Reason : The original creditor is XXXX XXXX XXXX XXXX. I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nThese items are either inaccurately reported or have already been resolved, and I sincerely request a thorough investigation and correction. I have reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to clearly illustrate the inaccuracies and support my claim. I appreciate your attention to this matter and kindly ask for a prompt investigation and update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your understanding.","date_sent_to_company":"2025-01-14T20:44:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38141","tags":null,"has_narrative":true,"complaint_id":"11504560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-13T17:42:38.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Name : XXXX  Account Number : XXXX Balance : {$0.00} <em>Reason</em> : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion <em>failed</em> to perform an <em>investigation</em> and delete the disputed information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.5805,"11504560"]},{"_index":"complaint-public-v1","_id":"11504811","_score":15.572987,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$1700.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my XXXX report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$5100.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my XXXX report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. \n\nAccount Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$1600.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$13000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$23000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$16000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX Account Number : XXXX Balance : {$8200.00} Reason : The original creditor is XXXX XXXX XXXX XXXX. I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nThese items are either inaccurately reported or have already been resolved, and I sincerely request a thorough investigation and correction. I have reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to clearly illustrate the inaccuracies and support my claim. I appreciate your attention to this matter and kindly ask for a prompt investigation and update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your understanding.","date_sent_to_company":"2025-01-13T17:42:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38141","tags":null,"has_narrative":true,"complaint_id":"11504811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-13T17:38:15.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Name : XXXX  Account Number : XXXX Balance : {$0.00} <em>Reason</em> : I previously disputed this account with the credit bureaus and it was deleted from my Equifax report but XXXX <em>failed</em> to perform an <em>investigation</em> and delete the disputed information."]},"sort":[15.572987,"11504811"]},{"_index":"complaint-public-v1","_id":"11504562","_score":15.566155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. \n\nAccount Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$1700.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my XXXX report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$5100.00} Reason : The open date reported on this collection is wrong and its negatively affecting my score. On my XXXX report from XX/XX/XXXX the open date for this collection is reported as XX/XX/XXXX. Please remove this collection account immediately since it is reporting false information. \n\nAccount Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$1800.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Balance : {$1600.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX Account Number : XXXX Balance : {$13000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$23000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX Account Number : XXXX Balance : {$16000.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nAccount Name : XXXX XXXX Account Number : XXXX Balance : {$8200.00} Reason : The original creditor is XXXX XXXX XXXX XXXX. I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. \n\nThese items are either inaccurately reported or have already been resolved, and I sincerely request a thorough investigation and correction. I have reached out to both the credit reporting agency and the data furnisher, but unfortunately, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to clearly illustrate the inaccuracies and support my claim. I appreciate your attention to this matter and kindly ask for a prompt investigation and update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your understanding.","date_sent_to_company":"2025-01-14T20:07:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38141","tags":null,"has_narrative":true,"complaint_id":"11504562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T17:42:38.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Name : XXXX Account Number : XXXX Balance : {$0.00} <em>Reason</em> : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX <em>failed</em> to perform an <em>investigation</em> and delete the disputed information."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.566155,"11504562"]},{"_index":"complaint-public-v1","_id":"12603109","_score":15.565897,"_source":{"product":"Credit card","complaint_what_happened":"I asked the company to look into the fraud that is happening on my account, the said it will take XXXX days to do the investigation, when the investigation was done 2 days later they denied that there was fraud was clearly there was. I tried to get them to send me a reason but they did not, I asked for the to open the investigation again and look into it and they wouldnt. So To Whom It May Concern : I am writing to file a formal complaint against bill.com /webbank for their failure to properly investigate my fraud claim and their refusal to provide a clear reason for denying my dispute. This conduct violates federal consumer protection laws, and I am seeking your assistance to resolve this matter. \n\nThe banks actions ( or inactions ) violate the following federal laws : 1Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. : Under Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate reported errors ( including unauthorized transactions ) and provide a written explanation of their findings. \nThe bank has failed to conduct a reasonable investigation or provide a clear reason for denying my claim.\n\n2Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. : Under the FCBA, creditors must acknowledge and respond to billing error disputes within 30 days and resolve the issue within 90 days.\n\nThe bank has failed to comply with these timelines and has not provided a resolution.\n\n3Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. : The banks failure to address my fraud claim constitutes unfair and deceptive practices, which are prohibited under the CFPA.\n\nRequest for Assistance : I am requesting that the CFPB : 1Investigate bill.com/webbank handling of my fraud claim.\n\n2Ensure that the bank conducts a proper reinvestigation of the disputed transactions.\n\n3Require the bank to provide a clear and detailed explanation for their denial of my claim.\n\n4Ensure that any fraudulent charges are removed from my account and that my credit report is corrected if applicable.\n\nSupporting Documentation : I have attached the following documents to support my complaint : 1Copies of my correspondence with bill.com/webbank Please let me know if you require additional information to process my complaint. I appreciate your assistance in resolving this matter and holding bill.com/webbank accountable for their violations of federal law","date_sent_to_company":"2025-03-21T22:17:06.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"32789","tags":null,"has_narrative":true,"complaint_id":"12603109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BILL.COM, LLC","date_received":"2025-03-21T22:04:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The bank has <em>failed</em> to conduct a reasonable <em>investigation</em> or <em>provide</em> a clear <em>reason</em> for denying my claim.\n\n2Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. : Under the FCBA, creditors must acknowledge and respond to billing error disputes within 30 days and resolve the issue within 90 days."]},"sort":[15.565897,"12603109"]},{"_index":"complaint-public-v1","_id":"17245602","_score":15.434221,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Between XXXX and XX/XX/year>, Cash App mishandled a fraud/scam report I submitted. I repeatedly notified Cash App that another user was contacting me inappropriately and that I believed my account activity was being misinterpreted. Instead of giving me clear guidance, Cash App gave inconsistent answers, repeatedly claimed they could not discuss information, and did not properly explain whether my account or the other account was under review. \n\nI also informed Cash App that I am a XXXX consumer and rely on my Cash App account to receive support from family. Their handling of my case caused stress, confusion, and fear that my account would be frozen or closed without reason. \n\nThroughout XXXX and XX/XX/year>, I exchanged multiple emails with their support team, but I never received a clear explanation of what actions Cash App took, what investigation was performed, or whether my report was even processed correctly. Their responses were repetitive, dismissive, and did not address my concerns. \n\nCash App failed to provide proper dispute assistance, failed to provide transparency about my complaint, and failed to protect a vulnerable consumer.","date_sent_to_company":"2025-11-15T02:07:35.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"75080","tags":null,"has_narrative":true,"complaint_id":"17245602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-15T01:57:05.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Cash App <em>failed</em> to <em>provide</em> proper dispute assistance, <em>failed</em> to <em>provide</em> transparency about my complaint, and <em>failed</em> to protect a vulnerable consumer."]},"sort":[15.434221,"17245602"]},{"_index":"complaint-public-v1","_id":"15634785","_score":15.403995,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding XXXX repeated blocking of my monthly rent payment. \n\nThis is a legitimate, recurring transaction to the same landlord I have successfully paid in the past. Most recently, Venmo declined the payment for security reasons but has refused to provide any clear explanation, corrective action, or assurance that the issue will not continue. When I contacted support, I was only told this was typical for customer safety, without details. \n\nBecause this transaction is my rent, the block directly threatens my housing stability. I believe XXXX actions fall under errors as defined in the Electronic Fund Transfer Act ( Regulation E ) and that they have failed to fulfill their legal obligation to investigate and provide a written explanation of their findings.\n\nDesired Resolution : Immediate review and resolution of the blocked transaction. \n\nXXXX that future recurring rent payments will not be arbitrarily blocked. \n\nA written explanation of XXXX investigation and the reasons behind the security block. \n\nThis is a time-sensitive issue, as continued interference with my rent payments risks eviction or other severe consequences.","date_sent_to_company":"2025-08-31T22:58:28.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"10003","tags":null,"has_narrative":true,"complaint_id":"15634785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-08-31T22:50:21.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe XXXX actions fall under errors as defined in the Electronic Fund Transfer Act ( Regulation E ) and that they have <em>failed</em> to fulfill their legal obligation to <em>investigate</em> and <em>provide</em> a written explanation of their findings.\n\nDesired Resolution : Immediate review and resolution of the blocked transaction. \n\nXXXX that future recurring rent payments will not be arbitrarily blocked. \n\nA written explanation of XXXX <em>investigation</em> and the <em>reasons</em> behind the security block."]},"sort":[15.403995,"15634785"]},{"_index":"complaint-public-v1","_id":"19586501","_score":15.284874,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XXXX XXXX I opened a dispute with Navy Fed Credit Union for unauthorized charges. Two weeks later they closed the dispute and did not provide documentation on why. After doing my research, I understand that unauthorized use of a debit card falls under E regulations under the EFTA. \n\nI reopened my dispute on XX/XX/XXXX providing proof via emails from the merchant in question requesting that my bank start the chargeback process and an email from XXXX XXXX support providing evidence that the transactions were not approved through pin number or biometrics. \n\nAll of this was submitted to Navy Fed and yesterday, XX/XX/XXXX, a supervisor by the name of XXXX informed me that my dispute was categorized as non E regulation but could not tell me why or provide me with documentation on why. \n\nSummary of the Issue My bank denied my debitcard dispute without providing any documentation or explanation to support their decision. They also claimed my dispute was nonRegulation E but could not provide a reason or evidence for that classification. \n\nTimeline of Events XX/XX/XXXX I submitted my original dispute for unauthorized transactions. \n\nThe bank did not provide documentation, investigation details, or a clear reason for denial. \n\nXX/XX/XXXX I resubmitted the dispute after the bank failed to address the issue. \n\nThe bank again denied the claim without providing the required documents or a reasonable explanation. \n\nRegulation E Concerns Based on the banks actions, I believe they failed to follow Regulation E requirements, including : Not providing documentation relied upon in their decision Not explaining why the claim was classified as nonReg E Not conducting or documenting a reasonable investigation Not providing provisional credit when the investigation exceeded the allowed timeframe Impact The banks failure to follow Regulation E has left me without access to funds while they continue to deny the dispute without evidence.\n\nRequested Resolution I am requesting : Provisional credit while the bank completes a proper investigation A full explanation of why the bank classified the dispute as nonReg E Copies of all documents the bank used to make its decision A complete and compliant investigation under Regulation E","date_sent_to_company":"2026-02-18T13:55:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76131","tags":null,"has_narrative":true,"complaint_id":"19586501","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-02-18T13:43:42.000Z","state":"TX","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":["The bank did not <em>provide</em> documentation, <em>investigation</em> details, or a clear <em>reason</em> for denial. \n\nXX/XX/XXXX I resubmitted the dispute after the bank <em>failed</em> to address the issue. \n\nThe bank again denied the claim without providing the required documents or a reasonable explanation."]},"sort":[15.284874,"19586501"]},{"_index":"complaint-public-v1","_id":"10618256","_score":15.187029,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. \n\nHere are the details of the issue : Confirmation numbers : XXXXXXXX XXXX XXXX XXXX  XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute Reason : This account does not belong to me. \n\nEquifax informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information. \n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. \n\nI asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. \n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing. \n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation. \n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy. \nEnsures that any actions taken by Equifax comply with the XXXX investigation requirement as mandated by the FCRA. \n\nI also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:49:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10618256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-29T12:43:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Here are the details of the issue : Confirmation numbers : XXXXXXXX XXXX XXXX XXXX  XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute <em>Reason</em> : This account does not belong to me. \n\nEquifax informed me that the disputed item had been \" updated '' but <em>failed</em> to <em>provide</em> any verification or documentation to <em>support</em> the continued reporting of this item."]},"sort":[15.187029,"10618256"]},{"_index":"complaint-public-v1","_id":"10618275","_score":15.18207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. \n\nHere are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXXXXXX Dispute Submitted : XX/XX/year> Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute Reason : This account does not belong to me. \n\nEquifax informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information. \n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. \n\nI asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. \n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing. \n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation. \n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy. \nEnsures that any actions taken by Equifax comply with the XXXX investigation requirement as mandated by the FCRA. \n\nI also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:49:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10618275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-29T12:49:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Here are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXXXXXX Dispute Submitted : XX/XX/year> Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute <em>Reason</em> : This account does not belong to me. \n\nEquifax informed me that the disputed item had been \" updated '' but <em>failed</em> to <em>provide</em> any verification or documentation to <em>support</em> the continued reporting of this item."]},"sort":[15.18207,"10618275"]},{"_index":"complaint-public-v1","_id":"10618274","_score":15.18207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. \n\nHere are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXX  Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nEquifax informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information.\n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. \n\nI asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. \n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am reques\nting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation.\n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy.\n\nEnsures that any actions taken by Equifax comply with the 30-day investigation requirement as mandated by the FCRA. \n\nI also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:49:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10618274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-29T12:49:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Here are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXX  Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute <em>Reason</em> : This account does not belong to me. \n\nEquifax informed me that the disputed item had been \" updated '' but <em>failed</em> to <em>provide</em> any verification or documentation to <em>support</em> the continued reporting of this item."]},"sort":[15.18207,"10618274"]},{"_index":"complaint-public-v1","_id":"10609760","_score":15.18207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. \n\nHere are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nTransunion informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.\n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings.\n\nI asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.\n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation.\n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy.\n\nEnsures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA.\n\nI also request an investigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:41:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10609760","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-29T12:41:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Here are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXX XXXX  Account No : XXXX Original Dispute <em>Reason</em> : This account does not belong to me. \n\nTransunion informed me that the disputed item had been \" updated '' but <em>failed</em> to <em>provide</em> any verification or documentation to <em>support</em> the continued reporting of this item."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.18207,"10609760"]},{"_index":"complaint-public-v1","_id":"10609623","_score":15.18207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. \n\nHere are the details of the issue : File Number : XXXXXXXX XXXX XXXXXXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nTransunion informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.\n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings. \n\nI asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.\n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation. \n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy.\n\nEnsures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA.\n\nI also request an investigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:41:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10609623","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-29T12:41:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Here are the details of the issue : File Number : XXXXXXXX XXXX XXXXXXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute <em>Reason</em> : This account does not belong to me. \n\nTransunion informed me that the disputed item had been \" updated '' but <em>failed</em> to <em>provide</em> any verification or documentation to <em>support</em> the continued reporting of this item."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.18207,"10609623"]},{"_index":"complaint-public-v1","_id":"10625072","_score":15.179039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. \n\nHere are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. \n\nTransunion informed me that the disputed item had been \" updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.\n\nSummary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings.\n\nI asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.\n\nThe inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.\n\nResolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation. \n\nRemoves the disputed item if they are unable to provide verifiable proof of its accuracy. \nEnsures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA. I also request an\ninvestigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.","date_sent_to_company":"2024-10-29T12:41:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"10625072","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-29T12:34:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Here are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX  Account No : XXXX Original Dispute <em>Reason</em> : This account does not belong to me. \n\nTransunion informed me that the disputed item had been \" updated '' but <em>failed</em> to <em>provide</em> any verification or documentation to <em>support</em> the continued reporting of this item."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.179039,"10625072"]},{"_index":"complaint-public-v1","_id":"13117901","_score":14.978372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I told Experian my dispute reason was : XXXX XXXXXXXX XXXX failed to notify me properly about the {$29000.00} charge-off, violating FCRA and FDCPA. I demand full documentation, proof of notice, and removal if the account can not be validated. \n\nI submitted this dispute to Experian on XX/XX/year> ( Report Number : XXXX ). Despite clearly stating my dispute reason and requesting a full explanation of the charge-off or if any portion of the vehicle was repossessed, sold, or credited toward the balance. including an itemized breakdown of the balance, verification of proper notice, and removal if the account couldnt be validatedExperian closed the dispute without providing any documentation or evidence to support their reporting. \n\nThis lack of a proper investigation and failure to provide verification is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asking the CFPB to investigate and ensure that Experian is held accountable for complying with federal law.","date_sent_to_company":"2025-04-22T22:00:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"13117901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T21:18:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This lack of a proper <em>investigation</em> and failure to <em>provide</em> verification is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asking the CFPB to <em>investigate</em> and ensure that Experian is held accountable for complying with federal law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.978372,"13117901"]},{"_index":"complaint-public-v1","_id":"11347214","_score":14.861351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened?\n\nDate of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX  Account Number : XXXX Reason : Im really concerned about the negative payment status and history on this account. I dont believe its accurate. Could you please provide statements showing the exact past-due amounts for any missed payments and the date when this account was first reported as negative? I would really appreciate your help in resolving this. \n\nAccount Name : XXXX  XXXX  Account Number : XXXX Reason : Im really concerned about the negative payment status and history on this account. I dont believe its accurate. Could you please provide statements showing the exact past-due amounts for any missed payments and the date when this account was first reported as negative? I would really appreciate your help in resolving this. \n\n\nXXXX Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \nDate of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \n\nAccount Name : XXXX Account XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, XXXX failed to conduct an investigation and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. \n\nAccount Name : XXXX Account Number : XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \n\nAccount Name : XXXX Account XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, XXXX failed to conduct an investigation and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my Equifax report. However, XXXX didnt perform an investigation and has failed to remove the disputed information. Im really hoping this can be resolved soon. \n\nAccount XXXX : XXXX, XXXX. \nAccount XXXX : XXXX Reason : I dont agree with the negative payment status and history listed on this account, and its been really frustrating. Could you please provide all statements showing the exact past-due amounts for any missed payments, along with the specific date this account became negative? Id really appreciate your help in clearing this up. \n\nINQUIRY : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I believe these items are either reported incorrectly or have already been resolved, and Im requesting a thorough investigation and correction. \nIve already contacted the credit reporting agency and the data furnisher, but the issue still hasnt been resolved. Ive attached supporting documents, including screenshots of my credit report, to highlight the errors and support my claim. \nPlease review this matter as soon as possible and update my credit report to reflect accurate information.","date_sent_to_company":"2025-01-02T22:30:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"11347214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-02T22:24:14.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Name : XXXX Account Number : XXXX <em>Reason</em> : Im disputing the missed and late payments reported on this account. Could you please <em>provide</em> statements and records showing all payments made, as well as any missed payments, since the account was opened? \n\nAccount Name : XXXX Account XXXX <em>Reason</em> : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, XXXX <em>failed</em> to conduct an <em>investigation</em> and remove the disputed information."]},"sort":[14.861351,"11347214"]},{"_index":"complaint-public-v1","_id":"11349685","_score":14.733185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \nDate of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Im really concerned about the negative payment status and history on this account. I dont believe its accurate. Could you please provide statements showing the exact past-due amounts for any missed payments and the date when this account was first reported as negative? I would really appreciate your help in resolving this. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Im really concerned about the negative payment status and history on this account. I dont believe its accurate. Could you please provide statements showing the exact past-due amounts for any missed payments and the date when this account was first reported as negative? I would really appreciate your help in resolving this. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \nDate of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \n\nXXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, TransUnion failed to conduct an investigation and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Im disputing the missed and late payments reported on this account. Could you please provide statements and records showing all payments made, as well as any missed payments, since the account was opened? \n\nXXXX XXXX XXXX XXXX XXXX XXXX  Reason : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, TransUnion failed to conduct an investigation and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report. However, XXXX didnt perform an investigation and has failed to remove the disputed information. Im really hoping this can be resolved soon. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I dont agree with the negative payment status and history listed on this account, and its been really frustrating. Could you please provide all statements showing the exact past-due amounts for any missed payments, along with the specific date this account became negative? Id really appreciate your help in clearing this up. \n\nINQUIRY : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe these items are either reported incorrectly or have already been resolved, and Im requesting a thorough investigation and correction. \nIve already contacted the credit reporting agency and the data furnisher, but the issue still hasnt been resolved. Ive attached supporting documents, including screenshots of my credit report, to highlight the errors and support my claim. \nPlease review this matter as soon as possible and update my credit report to reflect accurate information.","date_sent_to_company":"2025-01-02T22:30:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"11349685","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-02T22:30:46.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, TransUnion <em>failed</em> to conduct an <em>investigation</em> and remove the disputed information. I kindly request that you review and correct this issue as soon as possible. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <em>Reason</em> : Im disputing the missed and late payments reported on this account. Could you please <em>provide</em> statements and records showing all payments made, as well as any missed payments, since the account was opened?"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.733185,"11349685"]},{"_index":"complaint-public-v1","_id":"17600117","_score":14.608917,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a formal complaint regarding the actions of Cash App ( Square/Block , Inc. ) concerning the recent termination of my account and their refusal to delete my personal information from their database. All the support rep could tell me was it was because of gambling which I requested them to provide me the transactions they deemed to be gambling as I use CashApp to send money to my children and my elderly mother. They fail to provide these transactions for the termination.\n\nCash App abruptly terminated my account without providing any explanation or specific reason for their decision. When I contacted their support team to request clarification, I was repeatedly told that they could not disclose the reason for the account closure. These are the accounts $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX were all terminated without reasons. \n\nAdditionally, when I requested that my personal information be removed from their system, Cash App refused to fulfill this request. They continue to retain my data despite no longer allowing me to use their services and despite my explicit request for deletion. \n\nI believe this raises serious concerns regarding consumer rights, transparency, and data privacy. As a consumer, I should be entitled to : 1. A clear explanation for the termination of my account, and 2. The ability to have my personal information deleted if I no longer wish to use their services.\n\nCash Apps refusal to provide either is unacceptable and leaves me without answers, without access, and without control over my own data.\n\nI respectfully request that the CFPB investigate this matter and assist in ensuring that Cash App provides the required transparency and complies with applicable consumer protection and data privacy laws.\n\nThank you for your time and attention. I am happy to provide any additional information or documentation that may be needed.\n\nSincerely,","date_sent_to_company":"2025-11-30T21:46:24.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"028XX","tags":null,"has_narrative":true,"complaint_id":"17600117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-30T21:23:56.000Z","state":"RI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["All the <em>support</em> rep could tell me was it was because of gambling which I requested them to <em>provide</em> me the transactions they deemed to be gambling as I use CashApp to send money to my children and my elderly mother. They <em>fail</em> to <em>provide</em> these transactions for the termination.\n\nCash App abruptly terminated my account without providing any explanation or specific <em>reason</em> for their decision."]},"sort":[14.608917,"17600117"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2155,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2155}]}},"product":{"doc_count":2155,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1156,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1139},{"key":"Other personal consumer report","doc_count":17}]}},{"key":"Checking or savings account","doc_count":172,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking 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