{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":350,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1437481","_score":16.798008,"_source":{"product":"Credit card","complaint_what_happened":"As XXXX, I purchased trucking services, stone and concrete from a supplier for a particular project. Upon completion of the project and reciept of invoice I called in payments using my credit card. XXXX month later we started a new project, I purchased trucking services and stone from the same merchant. This time there was a dipute over the cost of services rendered. The merchant had given a verbal invoice of XXXX on Saturday and later changed it to aprox. XXXX while I was drafting a responce to there puported invoice, the merchant went back into there records they retained illegally. The merchant used my credit card information to initiate a trasaction on my behalf without my presence or approval. I immediatly contacted my credit card company and reported the fraud, closed my account and ordered a new card, ( Same day ). I followed the credit card company protocal by trying to resolve with the merchant. I even asked my Attorney to attempt a resolution. I then filed a timely dispute with my credit card company. The funds were temporarily returned. The merchant responded by sending a copy of a letter my Attorney sent in an attempt to resolve the fraud, as required by the credit card company. Though I sent a multitude of proof in my dipute that I had not authorized the use of my card. The merchants responce failed to prove in any way that I had given permission to use my card. The credit card company sent me a form to check boxes and sign, the options were not relevent to my situation, therefore I called in immediatly upon receipt, ( XX/XX/2015 ), to diuscuss my concern. I was told just sign the paper and return it. The form was dated XXXX XXXX, 2015 and it had a requirment of being returned by XXXX XXXX. XXXX XXXX was on Thursday and XXXX XXXX was Saturday ; Therefore I was given insufficient time to respond. The credit card company reversed the chargeback on XXXX/XXXX/2015, I noticed it this morning, when I called the dispute department I was told the action was decided against me for failure to follow XXXX regulation, because my responce was not timely. This makes no sence for the following reasons. 1. The merchant failed to follow XXXX regulation by holding and using my card without my Knowledge or permission. 2. I supplied XXXX with proof, I had not given the merchant permission to use my card for this payment. 3. Allthough the merchant did rerspond to the chargeback, there responce was not relavent and did not prove that I gave the merchant permission to retain my card information or to use it for this particullar payment. 4. There should have been no reason for XXXX to require any further rersponce from me as the merchant already failed to supply a valid reponce to my original complaint. 5. I was given an inadequite amount of time to respond to the merchants responce. \nEssentially, the credit card company has chosen to be a co-conspirator with the merchant to commit credit card fraud, by choosing to ignore egregious violations of XXXX regulation and Federal law on the part of the merchant while placing great significance on a failure to timely respond, citing it as a violation of visa regulation ; Furthermore the failure to timely respond was caused by XXXX 's failure to guarentee timely receipt of the opportunity to respond.","date_sent_to_company":"2015-07-01T15:18:46.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1437481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BB&T CORPORATION","date_received":"2015-06-25T05:11:17.000Z","state":"NC","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Essentially, the credit card company has chosen to be a co-conspirator with the merchant to commit credit card <em>fraud</em>, by choosing to ignore egregious violations of XXXX regulation and Federal law on the part of the merchant while placing great significance on a failure to <em>timely</em> <em>respond</em>, citing it as a violation of visa regulation ; Furthermore the failure to <em>timely</em> <em>respond</em> was caused by XXXX 's failure to guarentee <em>timely</em> receipt of the opportunity to <em>respond</em>."],"issue":["Identity theft / <em>Fraud</em> / Embezzlement"]},"sort":[16.798008,"1437481"]},{"_index":"complaint-public-v1","_id":"19086552","_score":16.04358,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint against Self Financial , Inc. ( Self Bank ) for gross mishandling of my account, failure to respond to repeated communications, inadequate fraud protection, and an unfair attempt to hold me financially responsible for fraudulent transactions. \n\nFor over a year, I repeatedly contacted Self Bank via email and other channels to request a replacement card and account assistance. Despite being instructed by Self Bank to communicate through email, my messages were consistently ignored or went unanswered. I made multiple follow-ups and was forced to initiate every interaction myself, with little to no response from the bank. \n\nRecently, my account was compromised and accessed fraudulently. Unauthorized transactions were made on my account. I promptly contacted Self Bank and disputed these charges. Over the course of three separate phone calls, I was required to verify transactions that were clearly not mine. Throughout these calls, communication was extremely difficult, as customer service representatives struggled to understand my concerns due to language barriers and confusion, further delaying resolution. \n\nDespite my timely reporting of fraud and full cooperation, Self Bank failed to properly secure my account or resolve the issue. Instead, the bank ultimately closed my account and is now demanding that I pay for fraudulent charges made by unauthorized parties. This is especially troubling given that Self Bank had ample notice of account issues, failed to respond to my earlier warnings and requests, and did not prevent or adequately investigate the fraudulent activity.\n\nIt is unreasonable and unfair for Self Bank to shift financial responsibility onto me for losses that resulted from their lack of responsiveness, poor fraud controls, and failure to act when notified. I followed all required procedures to dispute the transactions, yet the banks inaction and incompetence directly contributed to the extent of the fraud.\n\nI believe Self Banks actions constitute unfair and deceptive business practices. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Self Bank to : Remove all fraudulent charges from my account ; Cease all attempts to collect payment for unauthorized transactions ; Provide a full written explanation of how this fraud was handled ; Review and correct their failure to respond to customer communications and fraud reports.\n\nI am prepared to provide supporting documentation, including email correspondence and call records, upon request. \n\nThank you for your attention to this matter.","date_sent_to_company":"2026-01-28T23:25:14.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"19086552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2026-01-28T23:16:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Throughout these calls, communication was extremely difficult, as customer service representatives struggled to understand my <em>concerns</em> due to language barriers and confusion, further delaying resolution. \n\nDespite my <em>timely</em> reporting of <em>fraud</em> and full cooperation, Self Bank <em>failed</em> to properly secure my account or resolve the issue. Instead, the bank ultimately closed my account and is now demanding that I pay for fraudulent charges made by unauthorized parties."]},"sort":[16.04358,"19086552"]},{"_index":"complaint-public-v1","_id":"21768317","_score":15.792772,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Capital One regarding their handling of a fraud claim and their failure to respond to my dispute. \nXXXX unauthorized debit card transactions occurred within approximately XXXX minutes of each other. First one for {$310.00} and a second one for {$600.00}. At the time, I was not in possession of my debit card or my mobile phone, as both had been lost. \nI promptly reported the fraud. Capital One investigated and determined that the first transaction was fraudulent and issued a credit. However, they denied the second transaction, despite it occurring just minutes later under identical circumstances. \nTheir stated reasoning was that a text message approval was sent to my phone. This is not valid authorization, as I did not have possession of my phone. Any response would have been made by the individual who had unauthorized access to both my phone and debit card. \nIt is inconsistent and unreasonable to conclude that XXXX transaction was fraudulent while another, occurring within XXXX minutes, was authorized. Both clearly resulted from the same compromise. \nAdditionally, I formally disputed this denial and requested reconsideration. Capital One has failed to respond for over XXXX month. This lack of response raises concerns about whether a reasonable and timely investigation was conducted, as required under the Electronic Fund Transfer Act ( Regulation E ).","date_sent_to_company":"2026-04-30T22:01:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"035XX","tags":null,"has_narrative":true,"complaint_id":"21768317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-30T21:42:33.000Z","state":"NH","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Capital One has <em>failed</em> to <em>respond</em> for over XXXX month. This lack of response raises <em>concerns</em> about whether a reasonable and <em>timely</em> investigation was conducted, as required under the Electronic Fund Transfer Act ( Regulation E )."]},"sort":[15.792772,"21768317"]},{"_index":"complaint-public-v1","_id":"16952429","_score":15.542739,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/year>, I was the victim of a sophisticated loan scam involving individuals posing as representatives of XXXX XXXX. They deceived me into sharing my Chase Bank account access credentials under the pretense of verifying eligibility for a legitimate {$7000.00} loan. Using that information, the scammers initiated a series of unauthorized reversal transactions from my Chase account over the course of several days. \n\nA total of 39 reversal transactions occurred between XX/XX/XXXX and XX/XX/year>, including mortgage and recurring bill payments totaling over {$46000.00}. Chase initially reversed some charges but continues to hold me liable for {$35000.00} in remaining balance. \n\nI reported this matter to Chase immediately after discovering the fraud and visited my local branch multiple times in XXXX and XX/XX/year>. Despite my repeated notifications, Chase failed to investigate or respond to my concerns in a timely manner. On XX/XX/year>, a formal legal letter was sent via certified mail and email to Branch VP XXXX XXXX of Chases. Chase did not respond to that correspondence and only issued a final denial after several months and repeated follow-ups.","date_sent_to_company":"2025-10-31T17:12:18.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"93550","tags":"Servicemember","has_narrative":true,"complaint_id":"16952429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-31T16:30:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I reported this matter to Chase immediately after discovering the <em>fraud</em> and visited my local branch multiple times in XXXX and XX/XX/year>. Despite my repeated notifications, Chase <em>failed</em> to investigate or <em>respond</em> to my <em>concerns</em> in a <em>timely</em> manner. On XX/XX/year>, a formal legal letter was sent via certified mail and email to Branch VP XXXX XXXX of Chases. Chase did not <em>respond</em> to that correspondence and only issued a final denial after several months and repeated follow-ups."]},"sort":[15.542739,"16952429"]},{"_index":"complaint-public-v1","_id":"10359194","_score":15.120489,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I, XXXX XXXX, acting in the capacity of Attorney-In-Fact and Principal, submit this formal complaint against Mercedes Benz Financial Services ( MBF ) CFO - XXXX XXXX for multiple violations related to my lease agreement and the repossession of the vehicle referenced above. Despite repeated requests for resolution, Mercedes Benz Financial Services has failed to respond appropriately to my concerns, and they remain in violation of federal laws and regulations that govern consumer protection. \n\nNature of the Complaint : Failure to Respond to Requests and Opportunity to Cure : I have sent three ( 3 ) letters to Mercedes Benz Financial Services, requesting a revocation of all security interest associated with the referenced lease. MBF has failed to respond to or address my requests. This is MBFs opportunity to cure and to acknowledge that all security interests and unearned interest within the contract belong to me, the Principal. \n\nDemand for Payoff and Itemized Bill for Repossessed Vehicle : As the vehicle has been repossessed, I have requested a complete payoff bill and an accurate accounting of all amounts owed, including any unearned interest that should be returned to me. Mercedes Benz Financial Services has failed to provide this information. \n\nTender of Payment : A tender of payment has been made in good faith, and MBF has yet to acknowledge or apply this payment to the account. Their failure to credit the account amounts to a breach of contract, and I reserve all rights to redress the contract accordingly. \n\nLegal Violations : The following federal laws and regulations have been violated by Mercedes Benz Financial Services : Truth in Lending Act ( TILA ) : Failure to provide accurate and timely disclosures related to the terms of the lease and repossession. \n\n\nFair Debt Collection Practices Act ( FDCPA ) : Engaging in unfair practices by not responding to my lawful requests for information and resolution. \n\n\nFraud in the Inducement : Misrepresentation of the terms of the agreement and failure to honor the contractual obligations. \nRacketeer Influenced and Corrupt Organizations Act ( RICO ) : Potential involvement in systematic fraudulent practices and conspiracies related to the handling of this contract. \n\n\nFair Credit Reporting Act ( FCRA ) : Any negative reporting to credit bureaus based on the misapplication of funds or failure to recognize tendered payment. \n\n\nInvasion of Privacy Act : Unauthorized sharing or misuse of my personal and financial information.\n\nSecurities Fraud : The mishandling of interest and payments that constitute securities fraud under applicable laws.\n\nFraud : A continuous pattern of fraud, including but not limited to the mishandling of payments and failure to honor lawful contractual obligations. \n\n\n\n\nXXXX, XXXX / Attorney-In-Fact XXXX XXXX/ Principal","date_sent_to_company":"2024-10-05T19:00:22.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"10359194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2024-10-05T18:33:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["Despite repeated requests for resolution, Mercedes Benz Financial Services has <em>failed</em> to <em>respond</em> appropriately to my <em>concerns</em>, and they remain in violation of federal laws and regulations that govern consumer protection. \n\nNature of the Complaint : Failure to <em>Respond</em> to Requests and Opportunity to Cure : I have sent three ( 3 ) letters to Mercedes Benz Financial Services, requesting a revocation of all security interest associated with the referenced lease."]},"sort":[15.120489,"10359194"]},{"_index":"complaint-public-v1","_id":"13095067","_score":14.378339,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This complaint is regarding a fraudulent transaction that occurred through Cash App. I paid an individual under a written and verbal agreement for a puppy, and the seller never delivered the animal or issued a refund. Despite timely reporting and multiple attempts to get assistance from Cash App, the company has failed to investigate the matter properly or take any meaningful action. \n\nThis issue is not related to the historical customer service concerns outlined in the CFPB Consent Order, and should not be categorized as such. Cash App has previously misclassified my complaint under that settlement, which led to it being closed without review. I am resubmitting this issue with clear details to ensure proper handling and investigation. \n\nI requested : A formal investigation into the recipients account Documentation of any review conducted A refund or reversal of the funds based on the fraudulent nature of the transaction Cash App responded with generic messages, stating they could not reverse the payment, and refused to provide any proof that an investigation was done. They also only responded through private email instead of addressing the issue transparently on public platforms like the XXXX XXXX XXXX. This lack of transparency and refusal to assist a consumer who acted in good faith is unacceptable. \n\nI am seeking reimbursement for the amount lost and a proper fraud investigation into the transaction and recipient account. \n\nI have documentation including the Cash App payments, contract terms, and communication with the seller. I am happy to provide this information upon request.","date_sent_to_company":"2025-04-21T21:05:15.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"13095067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-04-21T20:47:37.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite <em>timely</em> reporting and multiple attempts to get assistance from Cash App, the company has <em>failed</em> to investigate the matter properly or take any meaningful action. \n\nThis issue is not related to the historical customer service <em>concerns</em> outlined in the CFPB Consent Order, and should not be categorized as such. Cash App has previously misclassified my complaint under that settlement, which led to it being closed without review."],"issue":["<em>Fraud</em> or scam"]},"sort":[14.378339,"13095067"]},{"_index":"complaint-public-v1","_id":"21617150","_score":14.334184,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Formal Dispute of {$6000.00} Balance Fraud Case, Failure to Secure Account, Request for Investigation Records To Whom It May Concern, I am formally disputing the {$6000.00} balance that PayPal claims I owe. This balance is directly tied to a fraud incident that I reported in a timely manner and for which my account should have been secured. \nBackground : Approximately [ date ], I reported unauthorized transactions involving my account, including transfers to external recipients, some of which were located in the XXXX. At the time of reporting, I provided all known details and identified the transactions as fraudulent. \nDespite this notification, PayPal failed to adequately secure my account and allowed transactions and/or account activity to continue. Additionally, PayPal later determined that the accounts involved were reliable, which directly contradicts the fact that those accounts were used to receive fraudulent funds. \nXXXX, my linked financial institution, issued a provisional credit during its fraud investigation and later reversed {$6000.00} from PayPal. At the time of reversal, my PayPal balance was {$0.00}. PayPal has since assigned this loss to me, despite : * My timely fraud report * My lack of authorization of the transactions * PayPals failure to prevent or stop known fraudulent activity I am requesting the following : 1. Full validation of the {$6000.00} debt, including a detailed accounting of how this amount was calculated 2. Complete transaction history related to the disputed funds 3. Copies of all fraud investigation findings and internal determinations 4. Explanation of why my account was not secured after fraud was reported 5. Explanation of how liability was assigned to me despite reported unauthorized activity This letter serves as a formal notice of dispute. I do not acknowledge this debt as valid. \nIf this matter is not resolved, I am prepared to escalate through the Consumer Financial Protection Bureau and other regulatory agencies. \nPlease respond in writing within 15 days. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-04-27T04:19:59.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"95834","tags":"Servicemember","has_narrative":true,"complaint_id":"21617150","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-27T03:59:23.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Formal Dispute of {$6000.00} Balance <em>Fraud</em> Case, Failure to Secure Account, Request for Investigation Records To Whom It May <em>Concern</em>, I am formally disputing the {$6000.00} balance that PayPal claims I owe. This balance is directly tied to a <em>fraud</em> incident that I reported in a <em>timely</em> manner and for which my account should have been secured."],"issue":["<em>Fraud</em> or scam"]},"sort":[14.334184,"21617150"]},{"_index":"complaint-public-v1","_id":"19731895","_score":14.095325,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against SoFi Bank regarding its improper denial of my unauthorized electronic fund transfer disputes and the subsequent closure of my account. \nI timely reported unauthorized transactions, including charges associated with XXXX XXXX and XXXX. I specifically informed SoFi that I did not authorize certain transactions and that my debit card information was used without my consent. \nAt the time, I had lost my phone and debit card and took protective action by freezing and later unfreezing my card. However, the fact that a card was frozen or unfrozen does not constitute proof of authorization under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) or Regulation XXXX ( XXXX C.F.R. XXXX ). A lost device or card increases fraud risk ; it does not establish that transactions were authorized by the consumer. \nDespite my timely notice, SoFi : Denied my disputes without providing sufficient documentation demonstrating that the transactions were authorized. \nFailed to provide the investigative materials relied upon in reaching its determination. \nClosed my account following my fraud reports. \nFailed to adequately respond to prior complaints submitted through the CFPB. \nUnder Regulation XXXX, the burden is on the financial institution to conduct a reasonable, good-faith investigation and to determine whether the transactions were authorized. A conclusory denial without supporting evidence does not satisfy statutory requirements. Closing an account after a consumer reports fraud raises additional concerns regarding unfair or abusive practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).\n\nI am requesting that the CFPB require SoFi Bank to : Reopen and properly reinvestigate my disputed transactions in compliance with Regulation XXXX. \nProvide all documentation relied upon in denying my disputes, including any device, IP, authentication, or merchant verification records. \nCredit or reimburse the disputed unauthorized transactions. \nConfirm that no adverse reporting has been submitted to XXXX  or any consumer reporting agency in connection with this matter. \nI am seeking full reimbursement of the unauthorized transactions and regulatory review of SoFi Banks dispute investigation and account closure practices. \nSincerely, XXXX XXXX","date_sent_to_company":"2026-02-24T10:09:38.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"19104","tags":null,"has_narrative":true,"complaint_id":"19731895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-02-24T10:07:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["A lost device or card increases <em>fraud</em> risk ; it does not establish that transactions were authorized by the consumer. \nDespite my <em>timely</em> notice, SoFi : Denied my disputes without providing sufficient documentation demonstrating that the transactions were authorized. \n<em>Failed</em> to provide the investigative materials relied upon in reaching its determination. \nClosed my account following my <em>fraud</em> reports. \n<em>Failed</em> to adequately <em>respond</em> to prior complaints submitted through the CFPB."]},"sort":[14.095325,"19731895"]},{"_index":"complaint-public-v1","_id":"20985713","_score":14.080511,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding a serious security incident and failure of response by Kraken XXXX XXXX XXXX XXXX ) that resulted in the loss of my cryptocurrency assets. \n\nMy Kraken account was compromised by an unauthorized party who was able to bypass two-factor authentication ( XXXX ) and gain access to my account. During the incident, I contacted Kraken support multiple times in real time and explicitly requested that my account be locked immediately due to active unauthorized access. \n\nDespite these urgent notifications, Kraken failed to take timely action to secure my account. As a result, unauthorized withdrawals were processed and completed after I had already reported the breach and requested intervention. \n\nThis is not simply a case of account compromise. Kraken had direct, real-time notice of fraudulent activity and failed to act to prevent further loss. The withdrawals that occurred after my notification were preventable. \n\nAdditionally, Kraken has failed to respond to my communications for over XXXX days following the incident, leaving me without support or resolution. \n\nI am requesting : A full investigation into the unauthorized access and withdrawal activity A detailed timeline of XXXX response to my alerts Reimbursement of all funds lost due to unauthorized withdrawals following my notification An explanation of how XXXX protections were bypassed and why my account was not locked when requested This situation raises serious concerns about XXXX XXXX controls and incident response procedures, particularly in cases where customers report active fraud. \n\nI request immediate review and resolution of this matter.","date_sent_to_company":"2026-04-06T20:10:40.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"07960","tags":null,"has_narrative":true,"complaint_id":"20985713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Payward Ventures Inc. dba Kraken","date_received":"2026-04-06T19:59:31.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, Kraken has <em>failed</em> to <em>respond</em> to my communications for over XXXX days following the incident, leaving me without support or resolution."],"issue":["<em>Fraud</em> or scam"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[14.080511,"20985713"]},{"_index":"complaint-public-v1","_id":"11413386","_score":13.454826,"_source":{"product":"Checking or savings account","complaint_what_happened":"Formal Submission of Additional Complaint Against Bank of America To Whom It May Concern, This letter serves as an official submission of a follow-up complaint against Bank of America for its continued refusal to investigate and resolve a fraud claim involving unauthorized withdrawals from my account due to identity theft. Despite my repeated efforts to bring this matter to your attention and provide substantial evidence, the claim remains closed, and Bank of America has failed to comply with its legal obligations under federal consumer protection laws.\n\nEvidence Submitted 1. **Police Report** : A detailed report was filed, confirming the theft of funds and unauthorized transactions.\n\n2. **CFPB Complaint** : XXXX XXXX response to the Consumer Financial Protection Bureau confirms I have no accounts or business relationships with their institution. This directly indicates that Bank of America is holding the stolen funds and has failed to investigate this fraud properly. \n3. XXXX XXXX XXXX Complaint** : A formal complaint was submitted to the BBB regarding your institutions failure to address this matter.\n\n4. **Federal Trade Commission ( FTC ) Complaint** : I have also filed a complaint with the FTC to report Bank of Americas noncompliance with consumer protection standards.\n\nAdditionally, I have recordings of all phone calls made to your customer service department regarding this matter. These recordings demonstrate your refusal to reopen the claim, failure to provide adequate responses, and unwillingness to escalate the situation as requested.\n\nViolations of Consumer Protection Laws Bank of Americas actions constitute violations of the following federal laws : 1. **Electronic Fund Transfer Act ( EFTA ) ** : Requires financial institutions to investigate and resolve unauthorized transactions promptly.\n\n2. **Fair Credit Billing Act ( FCBA ) ** : Mandates timely and thorough investigations of fraud claims and prohibits financial institutions from ignoring valid disputes.\n\n3. **FTC Consumer Protection Guidelines** : Establish requirements for handling identity theft claims and ensuring consumers are reimbursed for fraudulent activity.\n\n4. **Gramm-Leach-Bliley Act** : Obligates institutions to safeguard customer accounts against fraud and unauthorized access.\n\nBank of Americas Noncompliance - **Refusal to Investigate** : Bank of America has repeatedly denied reopening the claim, ignoring clear evidence of identity theft and unauthorized transactions.\n\n- **Failure to Respond** : Your institution has failed to return calls, respond to emails, or provide updates regarding the claim despite multiple attempts to escalate the issue.\n\n- **Complicity in Fraud** : By refusing to act on this matter, Bank of America appears to be complicit with the other institution involved in the theft, or at the very least, negligent in fulfilling its duties to protect customer accounts.\n\nThis is my final attempt to resolve this matter amicably. Please treat this complaint with the urgency it demands to avoid escalation to legal action.\n\nI look forward to your immediate response. You may contact me directly at XXXX or XXXX Sincerely, XXXX XXXX XXXX **Enclosures : ** - Police Report - XXXX XXXX Response to CFPB Complaint- XXXX Complaint - FTC Complaint Details","date_sent_to_company":"2025-01-07T17:35:57.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"34787","tags":null,"has_narrative":true,"complaint_id":"11413386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-07T17:25:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["- **Failure to <em>Respond</em>** : Your institution has <em>failed</em> to return calls, <em>respond</em> to emails, or provide updates regarding the claim despite multiple attempts to escalate the issue.\n\n- **Complicity in <em>Fraud</em>** : By refusing to act on this matter, Bank of America appears to be complicit with the other institution involved in the theft, or at the very least, negligent in fulfilling its duties to protect customer accounts.\n\nThis is my final attempt to resolve this matter amicably."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[13.454826,"11413386"]},{"_index":"complaint-public-v1","_id":"23445745","_score":13.328746,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), My name is XXXX XXXX XXXX  I am a Citibank customer and a XXXX. I am submitting this complaint regarding Citibanks handling of a check deposit transaction, specifically its risk notification practices, the presentation of deposit status within its mobile application, and deficiencies in its complaint response process. \n\nI. Background On XX/XX/year>, I deposited a check in the amount of {$8600.00} into my Citibank account. According to Citibanks subsequent written response, the deposit was flagged for review by its XXXX XXXX Department shortly after it was submitted, and restrictions were placed on my account. Citibank further stated that the check was ultimately returned on XX/XX/year>. However, during the entire review period, I did not receive any telephone call, text message, email, mobile application alert, or other real-time notification informing me that the deposit was under fraud review or at risk of being returned. I only became aware of Citibanks concerns when I received a mailed letter on XX/XX/year>. \n\nWhat further contributed to my confusion was the manner in which the transaction was displayed within the Citi Mobile App. Initially, the deposit appeared as Pending. After approximately two days, the Pending status disappeared and was replaced with Deposit Teller. As an ordinary consumer, I reasonably interpreted this change to mean that the deposit had been successfully processed and credited to my account. Based on that understanding, I made subsequent financial arrangements and suffered actual financial loss.\n\nAfter discovering the issue, I contacted Citibank and submitted complaints, but the bank failed to provide meaningful responses to my concerns.\n\nII. Issues of Concern A. Failure to Provide Timely Risk Notification Citibank has stated that the deposit was flagged by its Fraud Prevention Department shortly after submission. Nevertheless, from the date of deposit until I received the mailed letter on XX/XX/XXXX, I received no warning of any kind regarding the transaction. \nIn todays banking environment, Citibank has the ability to communicate with customers through telephone calls, text messages, emails, and mobile application notifications. Yet none of these methods were used.\n\nI respectfully request clarification regarding : 1. Whether Citibank maintains procedures requiring customer notification when a deposit is flagged for fraud review ; 2. If such procedures exist, whether they are sufficient to reasonably protect consumers ; 3. Why no timely notification was provided in this case ; and 4. Whether Citibank believes that relying solely on ordinary mail satisfies its obligation to provide meaningful notice of significant account risks.\n\nB. Potentially Misleading Deposit Status Display in the Mobile Application The Citi XXXX XXXX initially displayed the deposit as Pending and later changed the status to XXXX XXXX. A reasonable consumer viewing this status change would likely interpret it as indicating that the deposit had been successfully processed rather than being subject to fraud review or potential return. \nI respectfully request clarification regarding : XXXX. The specific meaning of the status XXXX XXXX ; XXXX. How Citibank expects consumers to interpret the transition from XXXX XXXX XXXX XXXX ; XXXX. XXXX Citibank believes a reasonable consumer would understand from this display that the check remained subject to fraud concerns or return ; and XXXX. Why the application did not clearly display any warning or risk notice regarding the deposit.\n\nC. Deficiencies in Citibanks Complaint Handling Process When responding to my complaints, Citibanks written responses contained several factual inaccuracies and failed to address key issues. \nFor example : XXXX. I deposited the check on XX/XX/year>, yet Citibanks response stated that the deposit occurred on XX/XX/year>. I would like clarification regarding how Citibank determined that date. XXXX. During the relevant period, my long-time Chinese-speaking relationship XXXX XXXX had already left Citibank, but I XXXX never notified. XXXX, the new one mentioned in their response has been assigned after my mother requested after the incident happened. This shows that Citibank conflated separate facts and did not carefully review my complaint. \nMore importantly, Citibank repeatedly declined to answer the central questions raised in my complaints like timely ratification and the meaning of XXXX XXXX. Instead, the bank simply stated that the matter can not be disputed. This demonstrates a lack of basic respect, sincerity, and responsibility on Citibanks part that customers should reasonably expect ( see attachments ).\n\nIII. Requested Relief I respectfully request that the CFPB review and investigate the following : 1. Citibanks procedures for notifying customers when deposits are flagged for fraud review and whether those procedures provide reasonable and timely consumer protection ; 2. The design and presentation of deposit status information within the Citi Mobile App and whether it enables consumers to accurately understand the status of deposited funds ; 3. Citibanks complaint handling procedures and the reasons for factual inaccuracies in its responses ; 4. Why Citibank declined to address key questions raised in my written complaints ; 5. What steps Citibank intends to take to improve these practices and better protect consumers ; and 6. I also request that Citibank consider reimbursement for the financial losses I suffered relating to the reasons above.\n\nI am not challenging Citibanks authority to review or return a potentially fraudulent check.\n\nRather, my concern is whether Citibank provided timely notice, accurate account status information, and a meaningful complaint review process consistent with consumer protection principles. \n\nI respectfully request a formal explanation from Citibank regarding these issues and ask the CFPB to determine whether the banks practices are consistent with consumer protection standards. \n\nThank you for your time and consideration.","date_sent_to_company":"2026-06-22T16:39:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92630","tags":null,"has_narrative":true,"complaint_id":"23445745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-06-22T16:18:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["After discovering the issue, I contacted Citibank and submitted complaints, but the bank <em>failed</em> to provide meaningful responses to my <em>concerns</em>.\n\nII. Issues of <em>Concern</em> A. Failure to Provide <em>Timely</em> Risk Notification Citibank has stated that the deposit was flagged by its <em>Fraud</em> Prevention Department shortly after submission. Nevertheless, from the date of deposit until I received the mailed letter on XX/XX/XXXX, I received no warning of any kind regarding the transaction."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[13.328746,"23445745"]},{"_index":"complaint-public-v1","_id":"18055189","_score":12.913651,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Summary of Issue : I am filing a complaint regarding unauthorized access and theft from my River Financial cryptocurrency account, resulting in the loss of {$4400.00}. The company failed to prevent or respond appropriately to fraudulent account activity.\n\nDetails : - I had {$4400.00} invested with River Financial in XXXX. \n- On XX/XX/year>, a bad actor hacked into my River account, changed my email address and phone number, and conducted unauthorized transactions. \n- At XXXXXXXX XXXX  ( on a bank holiday ), the hacker sold my XXXX holdings without authorization. \n- At XXXXXXXX XXXX, River processed a withdrawal of funds to the hackers external bank account.\n\n- Because my contact information had been changed, I was locked out of my account and unable to reach River customer service for immediate help. They said they could not assist me because I was not a registered customer under the new ( fraudulent ) contact information. \n- At XXXXXXXX XXXX, the hacker attempted another fraudulent transfer of {$8000.00} from a linked bank account, but the funds were unavailable because I had already moved the money.\n\n- Despite insufficient funds, River allowed the hacker to initiate buy/sell activity and additional withdrawals. \n- I was finally able to reach River customer support on XX/XX/year>, but by then all the unauthorized activity had occurred and the funds were gone. \n\nLoss : My account now shows a balance of {$56.00} and no remaining XXXX. \nTotal verified loss : {$4400.00}.\n\nConcerns : 1. River failed to flag or stop clearly suspicious and unauthorized transactions, including buy/sell orders and withdrawals on a bank holiday. \n2. River appears to have allowed trading and withdrawal activity without sufficient funds, which should not have been possible.\n\n3. The company provided no immediate means of emergency contact when account credentials were hijacked.\n\n4. Given the platforms security failures and lack of timely fraud intervention, I believe River should absorb or reimburse part or all of this loss. \n\n\nConsumer Harm Statement : This fraudulent incident caused severe financial distress and loss of trust in the companys ability to protect consumer assets. I took immediate action to prevent further loss, but Rivers systems and customer access procedures failed to protect me from theft or provide timely assistance.","date_sent_to_company":"2025-12-16T17:39:29.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"77041","tags":"Older American","has_narrative":true,"complaint_id":"18055189","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"River Financial Inc.","date_received":"2025-11-05T17:53:07.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Given the platforms security failures and lack of <em>timely</em> <em>fraud</em> intervention, I believe River should absorb or reimburse part or all of this loss. \n\n\nConsumer Harm Statement : This fraudulent incident caused severe financial distress and loss of trust in the companys ability to protect consumer assets. I took immediate action to prevent further loss, but Rivers systems and customer access procedures <em>failed</em> to protect me from theft or provide <em>timely</em> assistance."],"issue":["<em>Fraud</em> or scam"]},"sort":[12.913651,"18055189"]},{"_index":"complaint-public-v1","_id":"13855775","_score":12.748029,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a duplicate complaint. This is a new complaint documenting Fifth Third Banks ( FTB ) fraudulent misuse of the CFPB complaint system through deliberately misleading responses that fail to address my concerns, violating FCRA 1681s-2 ( b ). FTB inaccurately reports my secured credit card ( XXXX ) closure date as XX/XX/XXXX instead of XX/XX/XXXX ( bank statements verify actual closure in XX/XX/XXXX ) on XXXX XXXX XXXX XXXX. Despite four previous CFPB complaints ( e.g., ID XXXX ) and over a dozen individual disputes since XXXX with all 3 CRAs and directly with FTB including certified mail to FTB, FTBs responses ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all repeat boilerplate denials without actually addressing the obvious evidence of their own statements disproving their reporting errors. These errors caused my XX/XX/XXXX home loan denial, lost wages, and great emotional distress. \n\nFTBs evasive replies abuse the CFPB process, undermining consumer protections. This complaint should trigger an active investigation into FTBs systemic FCRA violations and CFPB misuse ; requiring A SPECIFIC RESPONSE to answer for their obvious reporting errors instead of boilerplate carbon letters claiming they did nothing wrong when they clearly did. This complaint should be supported by a supervisory review of FTBs practices as they respond in a timely fashion but they dodge accountability by claiming no wrongdoing in the face of overwhelming and damning evidence to the contrary in four previous complaints... \n\nXXXX XXXX XXXX XXXX FTB will undoubtedly be responding with more of the same copy and paste of \" were sorry but we did nothing wrong '' to limit their own liability in spite of overwhelming evidence of bad faith and improper reporting. This ( and their four previous replies ) are clear proof of their systematic method of cheating the system and how they commit fraud upon the CFPB by checking the box of being responsive when they really do not respond at all.","date_sent_to_company":"2025-06-03T01:00:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"47630","tags":null,"has_narrative":true,"complaint_id":"13855775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-06-03T00:01:02.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint should be supported by a supervisory review of FTBs practices as they <em>respond</em> in a <em>timely</em> fashion but they dodge accountability by claiming no wrongdoing in the face of overwhelming and damning evidence to the contrary in four previous complaints..."]},"sort":[12.748029,"13855775"]},{"_index":"complaint-public-v1","_id":"19579355","_score":12.720234,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unresolved and unexplained account restriction placed by Capital One following a claim initiated by the issuing bank of a cashiers check. \n\nOn XX/XX/XXXX, I deposited a cashiers check issued by XXXX Bank in the amount of approximately {$17000.00} into my Capital One account. The check fully cleared, settled, and the funds were available without issue for approximately XXXX and a half months. \n\nOn XX/XX/XXXX, Capital One informed me that my accounts were being restricted due to a claim related to this cashiers check. Since that date : - Capital One has restricted my entire banking relationship ( excluding credit cards ). \n- Capital One has not provided the reason for the claim or the category under which it was filed. \n- Capital One has not stated whether the claim is fraud-related, error-related, or administrative. \n- Capital One has not confirmed whether the claim was initiated by the purchaser or solely by the issuing bank. \n\nI have confirmed directly with the purchaser of the cashiers check that they did not file a dispute, did not submit a fraud claim, and did not file a police report. To my knowledge, no police report exists related to this transaction. \n\nDespite multiple attempts to obtain clarification, Capital One has been unable or unwilling to provide : - The basis for the claim - The documentation supporting the claim - Whether I am accused of any wrongdoing - A clear timeline for resolution As a result, my funds remain frozen indefinitely without explanation, causing financial hardship and uncertainty. \n\nMy concerns are as follows : - Capital One has failed to provide material information regarding the reason for the restriction. \n- The restriction appears disproportionate given that the cashiers check cleared months ago and no fraud allegation has been communicated. \n- The lack of transparency prevents me from responding meaningfully or defending my interests. \n- An open-ended restriction without stated cause raises concerns regarding fair banking practices and due process. \n\nI am requesting that Capital One be required to : - Disclose the specific reason and category for the claim - Confirm whether a purchaser affidavit or police report exists - Provide the documentation supporting the restriction - Provide a definitive timeline for resolution or release of funds - I am not alleging misconduct by Capital One at this time ; however, I am requesting regulatory assistance to obtain transparency, documentation, and timely resolution.","date_sent_to_company":"2026-02-18T04:47:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90045","tags":null,"has_narrative":true,"complaint_id":"19579355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-18T04:31:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["My <em>concerns</em> are as follows : - Capital One has <em>failed</em> to provide material information regarding the reason for the restriction. \n- The restriction appears disproportionate given that the cashiers check cleared months ago and no <em>fraud</em> allegation has been communicated. \n- The lack of transparency prevents me from <em>responding</em> meaningfully or defending my interests. \n- An open-ended restriction without stated cause raises <em>concerns</em> regarding fair banking practices and due process."]},"sort":[12.720234,"19579355"]},{"_index":"complaint-public-v1","_id":"18506807","_score":12.576759,"_source":{"product":"Checking or savings account","complaint_what_happened":"To the Consumer Financial Protection Bureau, I am submitting this complaint regarding PNC Banks repeated and improper denial of my fraud dispute and its failure to conduct a fair, reasonable, and timely investigation into unauthorized debit card transactions on my account. \n\nOn XX/XX/year>, at approximately XXXXXXXX XXXX., I received a fraud alert text message from PNC Bank regarding suspicious transactions on my debit card. At that time, I was at work, physically confined to my desk during my scheduled shift from XXXX XXXX XXXX XXXX XXXX I immediately responded that the charges were not authorized and called PNC without delay to report the fraud. \n\nThe disputed charges included transactions at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. My debit card was shut down immediately, leaving me without access to funds. According to PNC Banks stated Zero Liability Policy, unauthorized charges are covered when reported promptly. I complied fully with this requirement. \n\nDespite this, PNC denied my claim less than one week later, stating the reason for denial was that I have a history of shopping at these merchants. This rationale is unreasonable and contradicts the fact that PNC itself identified these transactions as potentially fraudulent while I was at work. \n\nFurther concerns include the following : Charges were included in PNCs findings that were not listed in the original fraud alert. \nA charge of {$100.00} appears twice, indicating a duplicate transaction that has never been corrected. \nA second dispute was opened around XX/XX/year>. \nI received a dispute letter dated XX/XX/year>, but it was not delivered to me until XX/XX/year>, even though the letter stated my account would be debited on XX/XX/year>. \nOn XX/XX/year>, I escalated the matter again, provided detailed information, and supplied a police report number. \nI received additional denial letters, including XXXXne dated XX/XX/year>, and a final denial on XX/XX/year>, citing that the debit card chip was used. \n\nPNCs conclusion that the use of a chip proves authorization is unsupported. My card was in my possession at all times, and I was physically at work during the transactions. I did not approve or conduct these purchases. \n\nPNC failed to consider readily available evidence, including : My consistent work schedule during the time of the transactions My established spending pattern, which typically occurs after XXXX p.m., once I am off work Employment records and time documentation, which I can provide upon request I have repeatedly requested copies of the documents and evidence PNC relied upon to deny my dispute, but PNC has failed to provide them. Without this information, I can not understand or challenge their determination. \n\nAs a result of PNCs actions, approximately {$300.00} in unauthorized charges were permanently removed from my account. PNC has failed to comply with its own policies and with consumer protection requirements related to error resolution and fraud investigations. \n\nI am requesting the CFPBs assistance to ensure : XXXX. A fair and thorough reinvestigation of the disputed transactions XXXX. Disclosure of all evidence and documentation relied upon by PNC XXXX. Reimbursement of all unauthorized and duplicate charges XXXX. Confirmation that PNC complies with applicable consumer protection laws I am seeking resolution and accountability. PNCs repeated denials, inconsistent explanations, and lack of transparency have left me without recourse despite timely reporting and full cooperation. \n\nThank you for your assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-06T19:17:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"48066","tags":null,"has_narrative":true,"complaint_id":"18506807","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-01-06T19:02:11.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["To the Consumer Financial Protection Bureau, I am submitting this complaint regarding PNC Banks repeated and improper denial of my <em>fraud</em> dispute and its failure to conduct a fair, reasonable, and <em>timely</em> investigation into unauthorized debit card transactions on my account. \n\nOn XX/XX/year>, at approximately XXXXXXXX XXXX., I received a <em>fraud</em> alert text message from PNC Bank regarding suspicious transactions on my debit card."]},"sort":[12.576759,"18506807"]},{"_index":"complaint-public-v1","_id":"14865241","_score":12.431381,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding a serious data breach and privacy violation involving the U.S. Department of Education ( ED ) and an entity identified as the Department of Government Efficiency ( DOGE ). This incident involves the unauthorized access, use, and possible disclosure of my federally protected student loan, educational, and tax data. Despite repeated attempts, the Department of Education has failed to acknowledge or address this matter.\n\nSummary of Violations : I have reason to believe that my personally identifiable information ( PII ), Free Application for Federal Student Aid ( FAFSA ) data, and IRS tax transcripts were accessed without my knowledge or consent. These violations appear to be in direct contravention of : FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protecting access to educational records, Title IV of the Higher Education Act of 1965 governing the handling of federal student aid data, and federal data protection laws related to the misuse of IRS tax records. \nThese breaches have compromised the integrity of my federal student loan agreements and placed my financial security and privacy at risk. To date, the Department of Education has failed to respond to my formal complaint and request for action, leaving me without recourse. \n\nRequested Corrective Actions : I am requesting the CFPBs urgent intervention and support in addressing the following : Immediate discharge of all federal student loans in my name due to the invalidation of their legal and financial basis following the breach.\n\nAn independent investigation into the unauthorized access of my records and who was responsible.\n\nA full accounting and disclosure of what data was compromised, how it was accessed, and what mitigation efforts have been made. \nNotification to XXXX XXXX bureaus ( XXXX, XXXX, XXXX, XXXX XXXX ) to issue a fraud alert and investigate potential identity misuse. \nEnforcement of penalties or sanctions against any responsible agencies or contractors under CFPB jurisdiction. \nImpact : This breach has caused me significant emotional distress, exposed me to potential financial fraud, and undermined trust in the federal student loan system. Given the Department of Education 's failure to respond in a timely and transparent manner, I am turning to the CFPB for assistance in obtaining relief and enforcing my consumer rights under federal law. \n\nAttached are copies of the formal letter sent to the U.S. Department of Education. \n\nI request confirmation from the CFPB that this complaint has been received and is being investigated. I mailed the letter to the Department of Education in XXXX, its now about to be XXXX. \n\nThank you for your attention to this urgent issue. Please do not hesitate to contact me if additional information is required.","date_sent_to_company":"2025-08-28T13:14:37.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"52402","tags":null,"has_narrative":true,"complaint_id":"14865241","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-07-24T13:23:53.000Z","state":"IA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Given the Department of Education 's failure to <em>respond</em> in a <em>timely</em> and transparent manner, I am turning to the CFPB for assistance in obtaining relief and enforcing my consumer rights under federal law. \n\nAttached are copies of the formal letter sent to the U.S. Department of Education. \n\nI request confirmation from the CFPB that this complaint has been received and is being investigated. I mailed the letter to the Department of Education in XXXX, its now about to be XXXX."]},"sort":[12.431381,"14865241"]},{"_index":"complaint-public-v1","_id":"2694760","_score":12.269047,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. \nThis letter is regarding account # XXXX XXXX, which you claim i owe you. \nThis is a formal notice that your claim is disputed. \nI am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. \nPlease also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. \nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. \nFailure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \nMy contact information is as follows : XXXX XXXX XXXX","date_sent_to_company":"2017-10-06T15:12:10.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"32812","tags":null,"has_narrative":true,"complaint_id":"2694760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pinnacle Credit Services, LLC","date_received":"2017-10-06T14:31:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May <em>Concern</em> : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have <em>failed</em> to <em>respond</em> back in a <em>timely</em> manner. also, you <em>failed</em> to provide an account number on this account."]},"sort":[12.269047,"2694760"]},{"_index":"complaint-public-v1","_id":"21111485","_score":12.075668,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint against Wells Fargo Bank , N.A . regarding their refusal or failure to provide requested account-related information ( node information, including transaction tracing, account linkage data, and related records ) to a law enforcement detective actively investigating a financial crime involving my account. \n\nSummary of the Issue : I am the victim of financial fraud. A law enforcement detective has been assigned to my case and formally requested relevant account information from Wells Fargo necessary to advance the investigation. Despite this, Wells Fargo has failed to cooperate in a timely and reasonable manner by not providing the requested information or by significantly delaying their response. \n\nThis lack of cooperation is materially hindering the investigation and potentially allowing ongoing harm, including the loss of funds and the inability to identify responsible parties. \n\nKey Concerns : Wells Fargo has not provided critical node information to law inforcement The delay or refusal is obstructing a legitimate criminal investigation. \nI have made multiple attempts to resolve this directly with the bank, without success. \nThe bank has not provided clear justification for withholding this information. \n\nApplicable Laws and Regulatory Concerns : Wells Fargos actions may violate or conflict with several federal obligations, including : Right to Financial Privacy Act ( RFPA ) ( 12 U.S.C. 3401 et seq. ) While this law governs how financial institutions disclose records to federal authorities, it also establishes structured procedures for cooperation. Failure to respond appropriately to valid law enforcement requests may constitute noncompliance. \nBank Secrecy Act ( BSA ) ( 31 U.S.C. 5311 et seq. ) Financial institutions are required to assist in detecting and preventing financial crimes. Lack of cooperation with law enforcement investigations may undermine these obligations.\n\nUSA PATRIOT Act ( Sections 314 ( a ) and 314 ( b ) ) These provisions encourage information sharing between financial institutions and law enforcement to combat fraud and financial crimes. \nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act ( 12 U.S.C. 5531 ) Wells Fargos failure to act in good faith to assist in resolving fraud impacting a consumer may constitute an unfair practice.\n\nRegulation E ( 12 CFR Part 1005 ) Requires financial institutions to investigate unauthorized electronic fund transfers promptly and in good faith. Failure to support a related investigation may indicate inadequate compliance. \n\n\nSupporting Information : please see attached documentation of last complaint which was not resolved. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2026-04-09T23:24:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75028","tags":null,"has_narrative":true,"complaint_id":"21111485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-09T23:15:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Summary of the Issue : I am the victim of financial <em>fraud</em>. A law enforcement detective has been assigned to my case and formally requested relevant account information from Wells Fargo necessary to advance the investigation. Despite this, Wells Fargo has <em>failed</em> to cooperate in a <em>timely</em> and reasonable manner by not providing the requested information or by significantly delaying their response."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[12.075668,"21111485"]},{"_index":"complaint-public-v1","_id":"22769937","_score":12.008757,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a follow-up complaint regarding my prior CFPB complaint, case number XXXX, because Wells Fargo still has not resolved the dispute-handling problem described in that complaint. \n\nThe dispute concerns a {$210.00} credit card transaction dated XX/XX/year>, from XXXX / XXXX XXXX. I previously attempted to dispute this transaction with Wells Fargo. After the original dispute was closed, Wells Fargos online system would not allow me to re-file the dispute online, so I made multiple phone calls and was directed into a manual process. A Wells Fargo representative instructed me to submit my dispute explanation and supporting documentation by email so the dispute could be reopened or re-entered. \n\nI submitted the documentation as instructed, but Wells Fargo did not provide a written acknowledgment or meaningful written response within 30 days. This appears inconsistent with Regulation Zs billing-error procedures. Wells Fargo later claimed that the documentation was not successfully received or uploaded, but that is exactly the problem : I followed the submission process Wells Fargo gave me, and Wells Fargos internal failure to receive, upload, or route the documentation should not erase its obligation to timely acknowledge and process my billing-error dispute. \n\nBecause Wells Fargo still had not reopened or properly processed the dispute after more than a month, I filed CFPB complaint XXXX on XX/XX/year>. That complaint explained that Wells Fargo had failed to reopen or process the dispute after I submitted documentation, and the complaint was sent to Wells Fargo on XX/XX/year>. \n\nWells Fargo responded on XX/XX/year>, and the prior CFPB complaint was closed after that response. But Wells Fargos response did not actually resolve the issue. Wells Fargo acknowledged that the documentation was noted as sent but not successfully received or uploaded to the claim, and stated that the claim could not be reviewed until the documentation was received by the non-fraud disputes team. \n\nOn XX/XX/year>, I responded through the CFPB portal. I marked that Wells Fargos response did not address all of my issues and that Wells Fargo did not do what it said it would do. I requested a reliable written method to resubmit the documents, such as a secure upload link, email address, fax number, mailing address, or CFPB attachment option, and I requested written confirmation once the documents were received, uploaded to the claim, and the dispute was opened for review. \n\nThe CFPB complaint then remained closed. As of XX/XX/year>, Wells Fargo still has not provided the reliable written resubmission method I requested, has not given written instructions for how to get the documentation properly received and uploaded, and has not reopened or properly processed the dispute. The CFPB page states that my feedback would be shared with the company, but Wells Fargo still has not fixed the process problem identified in its own response. \n\nMy concern from the beginning has been Wells Fargos repeated reliance on failed phone/manual handling and the lack of a dependable written process. I have already made repeated phone calls regarding this issue, and I do not want to be required to call again. I am requesting a written, trackable process because the prior phone/manual process failed.","date_sent_to_company":"2026-06-01T16:58:36.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94043","tags":null,"has_narrative":true,"complaint_id":"22769937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-01T16:18:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["My <em>concern</em> from the beginning has been Wells Fargos repeated reliance on <em>failed</em> phone/manual handling and the lack of a dependable written process. I have already made repeated phone calls regarding this issue, and I do not want to be required to call again. I am requesting a written, trackable process because the prior phone/manual process <em>failed</em>."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[12.008757,"22769937"]},{"_index":"complaint-public-v1","_id":"12018149","_score":11.893038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax, Experian, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in Compliance with FCRA To Whom It May Concern : I am filing this complaint against Equifax, Experian, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. \nXXXX. Concerns regarding the credit bureaus ' compliance with their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to disputes within the legally required XXXXday timeframe, particularly amidst ongoing lawsuits and operational challenges. \nXXXX. Equifax Data Breach In 2017, Equifax suffered a massive data breach, compromising sensitive personal information, including Social Security numbers, credit histories, and more for over XXXX million individuals. My personal data was exposed in this breach, leaving me vulnerable to identity theft, financial fraud, and other harms. \nThis breach constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which mandates financial institutions to protect the confidentiality and security of consumer information. Equifaxs failure to safeguard my information has caused significant concern and has negatively impacted my financial security.\n\nXXXX Disputes Filed with Credit Bureaus I recently filed disputes with Equifax, Experian, and TransUnion regarding inaccuracies on my credit reports. Under the FCRA, 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), credit bureaus are legally required to investigate disputes and provide a response or resolution within XXXX days. However, due to Equifaxs ongoing lawsuits and the operational challenges faced by all XXXX bureaus, I am concerned that they may not fulfill this obligation within the statutory timeframe. \nThe potential failure to comply with the FCRA undermines my rights as a consumer and exacerbates the harm already caused by the Equifax data breach. \nXXXX. Impact on Me as a Consumer As a result of the Equifax data breach and potential delays in resolving my disputes, I am facing : Increased risk of identity theft and fraud due to the exposure of my personal information. \nAnxiety and uncertainty regarding the accuracy of my credit reports. \nPotential financial harm, including higher interest rates or denial of credit, stemming from unresolved or inaccurate information on my credit reports. \nXXXX. Legal Violations The credit bureaus ' actionsor lack thereofviolate several provisions of federal law, including : XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ( b ) ) : XXXX Equifax failed to adequately protect my sensitive information, resulting in the breach. \nXXXX. Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ) : XXXX All XXXX bureaus are required to investigate and resolve disputes within XXXX days. I am concerned they are failing to meet this requirement. \nXXXX. FCRA Penalties for Noncompliance ( 15 U.S.C. XXXXXXXX and XXXX ) : XXXX  Willful or negligent noncompliance with the FCRA may subject the bureaus to civil liability. \nXXXX. Relief Requested I respectfully request the CFPB to take the following actions : XXXX. Investigate Equifax, Experian, and TransUnion for compliance with the FCRA regarding dispute resolution and the GLBA concerning data security. \nXXXX. Ensure that my disputes are resolved within the XXXXday statutory deadline and that I receive written communication detailing the outcomes. \nXXXX. Mandate that all three bureaus implement stronger measures to protect consumer data and prevent future breaches. \nXXXX. Impose penalties or corrective actions for any failure to comply with federal laws, as outlined under 15 U.S.C. XXXX and XXXX. \nXXXX. Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security concerns. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize timely dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a timely and accurate manner. \nThank you for your attention to this matter. I look forward to your assistance in protecting my rights as a consumer.","date_sent_to_company":"2025-02-10T20:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"12018149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-10T20:43:58.000Z","state":"AL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security <em>concerns</em>. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize <em>timely</em> dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a <em>timely</em> and accurate manner."]},"sort":[11.893038,"12018149"]},{"_index":"complaint-public-v1","_id":"12018115","_score":11.893038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax, Experian, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in Compliance with FCRA To Whom It May Concern : I am filing this complaint against Equifax, Experian, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. \nXXXX. Concerns regarding the credit bureaus ' compliance with their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to disputes within the legally required XXXXday timeframe, particularly amidst ongoing lawsuits and operational challenges. \nXXXX. Equifax Data Breach In 2017, Equifax suffered a massive data breach, compromising sensitive personal information, including Social Security numbers, credit histories, and more for over XXXX million individuals. My personal data was exposed in this breach, leaving me vulnerable to identity theft, financial fraud, and other harms. \nThis breach constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which mandates financial institutions to protect the confidentiality and security of consumer information. Equifaxs failure to safeguard my information has caused significant concern and has negatively impacted my financial security.\n\nXXXX Disputes Filed with Credit Bureaus I recently filed disputes with Equifax, Experian, and TransUnion regarding inaccuracies on my credit reports. Under the FCRA, 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), credit bureaus are legally required to investigate disputes and provide a response or resolution within XXXX days. However, due to Equifaxs ongoing lawsuits and the operational challenges faced by all XXXX bureaus, I am concerned that they may not fulfill this obligation within the statutory timeframe. \nThe potential failure to comply with the FCRA undermines my rights as a consumer and exacerbates the harm already caused by the Equifax data breach. \nXXXX. Impact on Me as a Consumer As a result of the Equifax data breach and potential delays in resolving my disputes, I am facing : Increased risk of identity theft and fraud due to the exposure of my personal information. \nAnxiety and uncertainty regarding the accuracy of my credit reports. \nPotential financial harm, including higher interest rates or denial of credit, stemming from unresolved or inaccurate information on my credit reports. \nXXXX. Legal Violations The credit bureaus ' actionsor lack thereofviolate several provisions of federal law, including : XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ( b ) ) : XXXX Equifax failed to adequately protect my sensitive information, resulting in the breach. \nXXXX. Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ) : XXXX All XXXX bureaus are required to investigate and resolve disputes within XXXX days. I am concerned they are failing to meet this requirement. \nXXXX. FCRA Penalties for Noncompliance ( 15 U.S.C. XXXXXXXX and XXXX ) : XXXX  Willful or negligent noncompliance with the FCRA may subject the bureaus to civil liability. \nXXXX. Relief Requested I respectfully request the CFPB to take the following actions : XXXX. Investigate Equifax, Experian, and TransUnion for compliance with the FCRA regarding dispute resolution and the GLBA concerning data security. \nXXXX. Ensure that my disputes are resolved within the XXXXday statutory deadline and that I receive written communication detailing the outcomes. \nXXXX. Mandate that all three bureaus implement stronger measures to protect consumer data and prevent future breaches. \nXXXX. Impose penalties or corrective actions for any failure to comply with federal laws, as outlined under 15 U.S.C. XXXX and XXXX. \nXXXX. Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security concerns. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize timely dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a timely and accurate manner. \nThank you for your attention to this matter. I look forward to your assistance in protecting my rights as a consumer.","date_sent_to_company":"2025-02-10T20:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"12018115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T20:36:57.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security <em>concerns</em>. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize <em>timely</em> dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a <em>timely</em> and accurate manner."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.893038,"12018115"]},{"_index":"complaint-public-v1","_id":"14216392","_score":11.892002,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns TransUnions mishandling of a credit dispute involving a fraudulent XXXX XXXX XXXX XXXX tradeline reported on my personal credit report. \n\nOn XX/XX/XXXX, I mailed a full dispute package to TransUnion and XXXX XXXX. This included a fraud dispute letter, police report ( XXXX XXXX, approved XX/XX/XXXX ), fraud affidavits, and a communications log. The XXXX XXXX account had been canceled by me but continued to be used without my knowledge or consent by a third party. Despite this, XXXX reported a derogatory tradeline on XX/XX/XXXX. \n\nTransUnion responded on XX/XX/XXXX, stating the account was verified as accurate and only updated minor information. They did not acknowledge or address the mailed documentation. Their online portal restricted uploads due to file naming rules ( i.e., forbidden characters ), which made it impossible to upload critical documents. Only XXXX attachments were accepted online. \n\nBecause of this, I submitted a formal reinvestigation request online on XX/XX/XXXX, referencing XXXX XXXX XXXXXXXX. I again asked TransUnion to review the full dispute package mailed on XX/XX/XXXX and reinvestigate manually. That letter is attached here for your reference. \n\nFrom XXXX XXXX XXXX, I received conflicting and confusing communications from TransUnion. XXXX message said results were ready. Another stated the investigation was still In Process with a completion date of XX/XX/XXXX. The online portal offered no clarity. As of XX/XX/XXXX, I have no confirmed resolution, and the fraudulent tradeline remains. \n\nTransUnions handling of this matter violates the Fair Credit Reporting Act. They failed to consider timely, material evidence. They also erected avoidable technical barriers to submission of supporting documents, obstructing the dispute process and preventing a fair review. \n\nI request that the CFPB : Compel TransUnion to delete the fraudulent XXXX XXXX ; Ensure a proper reinvestigation occurs with full review of the evidence submitted ; XXXX TransUnion to notify all third parties who received the inaccurate report.","date_sent_to_company":"2025-06-23T01:45:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"14216392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-23T00:49:16.000Z","state":"VA","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 complaint <em>concerns</em> TransUnions mishandling of a credit dispute involving a fraudulent XXXX XXXX XXXX XXXX tradeline reported on my personal credit report. \n\nOn XX/XX/XXXX, I mailed a full dispute package to TransUnion and XXXX XXXX. This included a <em>fraud</em> dispute letter, police report ( XXXX XXXX, approved XX/XX/XXXX ), <em>fraud</em> affidavits, and a communications log. The XXXX XXXX account had been canceled by me but continued to be used without my knowledge or consent by a third party."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.892002,"14216392"]},{"_index":"complaint-public-v1","_id":"12018150","_score":11.888918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax, Experian, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in Compliance with FCRA To Whom It May Concern : I am filing this complaint against Equifax, Experian, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. \nXXXX. Concerns regarding the credit bureaus ' compliance with their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to disputes within the legally required XXXXday timeframe, particularly amidst ongoing lawsuits and operational challenges. \nXXXX. Equifax Data Breach In 2017, Equifax suffered a massive data breach, compromising sensitive personal information, including Social Security numbers, credit histories, and more for over XXXX million individuals. My personal data was exposed in this breach, leaving me vulnerable to identity theft, financial fraud, and other harms. \nThis breach constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which mandates financial institutions to protect the confidentiality and security of consumer information. Equifaxs failure to safeguard my information has caused significant concern and has negatively impacted my financial security.\n\nXXXX Disputes Filed with Credit Bureaus I recently filed disputes with Equifax, Experian, and TransUnion regarding inaccuracies on my credit reports. Under the FCRA, 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), credit bureaus are legally required to investigate disputes and provide a response or resolution within XXXX days. However, due to Equifaxs ongoing lawsuits and the operational challenges faced by all XXXX bureaus, I am concerned that they may not fulfill this obligation within the statutory timeframe. \nThe potential failure to comply with the FCRA undermines my rights as a consumer and exacerbates the harm already caused by the Equifax data breach. \nXXXX. Impact on Me as a Consumer As a result of the Equifax data breach and potential delays in resolving my disputes, I am facing : Increased risk of identity theft and fraud due to the exposure of my personal information. \nAnxiety and uncertainty regarding the accuracy of my credit reports. \nPotential financial harm, including higher interest rates or denial of credit, stemming from unresolved or inaccurate information on my credit reports. \nXXXX. Legal Violations The credit bureaus ' actionsor lack thereofviolate several provisions of federal law, including : XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ( b ) ) : XXXX Equifax failed to adequately protect my sensitive information, resulting in the breach. \nXXXX. Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ) : XXXX All XXXX bureaus are required to investigate and resolve disputes within XXXX days. I am concerned they are failing to meet this requirement. \nXXXX. FCRA Penalties for Noncompliance ( 15 U.S.C. XXXXXXXX and XXXX ) : XXXX  Willful or negligent noncompliance with the FCRA may subject the bureaus to civil liability. \nXXXX. Relief Requested I respectfully request the CFPB to take the following actions : XXXX. Investigate Equifax, Experian, and TransUnion for compliance with the FCRA regarding dispute resolution and the GLBA concerning data security. \nXXXX. Ensure that my disputes are resolved within the XXXXday statutory deadline and that I receive written communication detailing the outcomes. \nXXXX. Mandate that all three bureaus implement stronger measures to protect consumer data and prevent future breaches. \nXXXX. Impose penalties or corrective actions for any failure to comply with federal laws, as outlined under 15 U.S.C. XXXX and XXXX. \nXXXX. Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security concerns. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize timely dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a timely and accurate manner. \nThank you for your attention to this matter. I look forward to your assistance in protecting my rights as a consumer.","date_sent_to_company":"2025-02-10T20:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"12018150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-10T20:43:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security <em>concerns</em>. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize <em>timely</em> dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a <em>timely</em> and accurate manner."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.888918,"12018150"]},{"_index":"complaint-public-v1","_id":"14216510","_score":11.876211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns TransUnions mishandling of a credit dispute involving a fraudulent XXXX XXXX American Express tradeline reported on my personal credit report. \n\nOn XX/XX/XXXX, I mailed a full dispute package to TransUnion and American Express. This included a fraud dispute letter, police report ( # XXXX, approved XX/XX/XXXX ), fraud affidavits, and a communications log. The XXXX AMEX account had been canceled by me but continued to be used without my knowledge or consent by a third party. Despite this, AMEX reported a derogatory tradeline on XX/XX/XXXX. \n\nXXXX  responded on XX/XX/XXXX, stating the account was verified as accurate and only updated minor information. They did not acknowledge or address the mailed documentation. Their online portal restricted uploads due to file naming rules ( i.e., forbidden characters ), which made it impossible to upload critical documents. Only XXXX attachments were accepted online. \n\nBecause of this, I submitted a formal reinvestigation request online on XX/XX/XXXX, referencing XXXX ID XXXX. I again asked XXXX  to review the full dispute package mailed on XX/XX/XXXX and reinvestigate manually. That letter is attached here for your reference. \n\nFrom XXXX XXXX XXXX, I received conflicting and confusing communications from XXXX. XXXX message said results were ready. Another stated the investigation was still In Process with a completion date of XX/XX/XXXX. The online portal offered no clarity. As of XX/XX/XXXX, I have no confirmed resolution, and the fraudulent tradeline remains. \n\nXXXX  handling of this matter violates the Fair Credit Reporting Act. They failed to consider timely, material evidence. They also erected avoidable technical barriers to submission of supporting documents, obstructing the dispute process and preventing a fair review. \n\nI request that the CFPB : Compel XXXX  to delete the fraudulent AMEX tradeline ; Ensure a proper reinvestigation occurs with full review of the evidence submitted ; Require XXXX  to notify all third parties who received the inaccurate report.","date_sent_to_company":"2025-06-23T01:45:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22201","tags":null,"has_narrative":true,"complaint_id":"14216510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-06-23T01:44:53.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint <em>concerns</em> TransUnions mishandling of a credit dispute involving a fraudulent XXXX XXXX American Express tradeline reported on my personal credit report. \n\nOn XX/XX/XXXX, I mailed a full dispute package to TransUnion and American Express. This included a <em>fraud</em> dispute letter, police report ( # XXXX, approved XX/XX/XXXX ), <em>fraud</em> affidavits, and a communications log."]},"sort":[11.876211,"14216510"]},{"_index":"complaint-public-v1","_id":"21940583","_score":11.78184,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against BancFirst regarding their handling of unauthorized electronic fund transfers under Regulation E. \n\nOn XX/XX/year>, six ( 6 ) unauthorized XXXX XXXX transactions totaling {$2100.00} were processed from my account to an individual I do not know. I did not initiate, authorize, or benefit from these transactions. \n\nThe bank initially issued provisional credit on XX/XX/year>. On XX/XX/year>, I was notified that my claim was denied and the provisional credit would be reversed. \n\nOn XX/XX/year>, I contacted BancFirst and spoke with an officer ( XXXX XXXX to understand the basis of the denial. I was advised that the matter was not the banks responsibility and that my dispute should be directed to XXXX XXXX. I explained that I believed I was protected under Regulation E through my financial institution. \n\nI requested documentation supporting their determination. As of XX/XX/year>, I had not received any documentation and submitted a written request through the banks website, as no email contact was provided in the denial notice. \n\nAs of XX/XX/year>, I still had not received documentation and had to call customer service to obtain it. I was then transferred to a supervisor who advised they could not discuss my case and instructed me not to respond via email. I nevertheless followed up via email requesting clarification as to how the bank determined that I authorized the transactions. I was told my inquiry would be forwarded to the investigations team, but I have received no further response. \n\nThe documentation I eventually received includes transaction receipts and a statement indicating that a passcode ( PIN ) was used and that the transaction was authenticated using a device and IP address. \n\nHowever, this documentation does not establish that I authorized the transactions. Authentication ( such as use of a passcode ) is not equivalent to authorization by the account holder under Regulation E. \n\nAdditional concerns include : -The IP address provided does not align with my location nor is my active IP address -I do not use a PIN for these transactions and instead rely on biometric authentication -While I do have possession of the device originally associated with my account, I had not actively used the application and did not initiate or authorize these transactions. Possession of a device does not establish that I authorized the transfers Further, the banks fraud monitoring practices appear inconsistent. I was contacted regarding two transactions, which were blocked after I confirmed they were unauthorized, yet seven back-to-back transactions to the same recipient were allowed to process without interruption, totaling {$2100.00}. \n\nSeparately, on XX/XX/year>, my debit card was blocked after two legitimate transactions from a known vendor, without any prior notification or attempt to contact me. When I called, they advised they \" flagged '' my card due to two back-to- back transactions. This raises additional concerns regarding the consistency and reliability of the banks fraud detection and response practices. \n\nOverall, BancFirst : -Failed to demonstrate that I authorized the transactions -Relied solely on authentication factors rather than establishing authorization -Failed to provide timely and clear documentation upon request -Provided inconsistent fraud monitoring and response I am requesting that BancFirst : -Reconsider its determination -Recredit the {$2100.00} to my account -Ensure proper application of Regulation E protections","date_sent_to_company":"2026-05-06T17:38:24.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"730XX","tags":null,"has_narrative":true,"complaint_id":"21940583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANCFIRST CORPORATION","date_received":"2026-05-06T17:14:38.000Z","state":"OK","company_public_response":null,"sub_issue":"Problem using a debit or ATM 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