{"took":152,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8755,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5769143","_score":15.553022,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted XXXX about errors on my XXXX credit report, mainly failure to provide a notice of dispute. Furthermore, they failed to offer an explanation for the issues that were factually-disputed. Instead, they replied that they would not re-investigate. However, failure to provide notice of dispute, which is a violation according to the Fair Credit Reporting Act. XXXX failed to comply.","date_sent_to_company":"2022-07-13T05:42:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77005","tags":null,"has_narrative":true,"complaint_id":"5769143","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2022-07-13T05:23:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted <em>XXXX</em> about errors on my <em>XXXX</em> credit report, mainly failure to <em>provide</em> a notice of dispute. Furthermore, they <em>failed</em> to offer an <em>explanation</em> for the issues that were factually-disputed. Instead, they replied that they would not re-<em>investigate</em>. However, failure to <em>provide</em> notice of dispute, which is a violation according to the Fair Credit Reporting Act. <em>XXXX</em> <em>failed</em> to comply."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.553022,"5769143"]},{"_index":"complaint-public-v1","_id":"20191299","_score":15.482432,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding multiple unauthorized charges on my American Express XXXX XXXX credit card. \n\nMy account shows numerous transactions from different merchants including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not authorize these purchases. \n\nI reported these transactions to American Express as fraud and expected the company to conduct a proper fraud investigation. However, American Express failed to properly investigate these charges and did not provide a clear explanation of how it determined that the transactions were authorized. \n\nThese transactions occurred across multiple merchants and include an international charge, which should have raised clear fraud alerts. Despite reporting the issue, American Express failed to take reasonable steps to investigate or resolve the fraudulent activity on my account. \n\nAs a consumer, I believe American Express failed to conduct a reasonable investigation into the fraudulent charges and failed to adequately protect my account after fraud was reported. \n\nI am requesting that American Express reopen the fraud investigation, remove all unauthorized charges associated with these transactions, and provide a written explanation of the evidence used in determining that these transactions were authorized.","date_sent_to_company":"2026-03-12T03:43:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"98056","tags":null,"has_narrative":true,"complaint_id":"20191299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-03-12T03:40:56.000Z","state":"WA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["As a consumer, I believe American Express <em>failed</em> to conduct a reasonable <em>investigation</em> into the fraudulent charges and <em>failed</em> to adequately protect my account after fraud was reported. \n\nI am requesting that American Express reopen the fraud <em>investigation</em>, remove all unauthorized charges associated with these transactions, and <em>provide</em> a written <em>explanation</em> of the evidence used in determining that these transactions were authorized."]},"sort":[15.482432,"20191299"]},{"_index":"complaint-public-v1","_id":"10727970","_score":15.335262,"_source":{"product":"Checking or savings account","complaint_what_happened":"Previous CFPB complaint # XXXX addressed initial fraud. \n\nI am writing to request a formal investigation and compensation regarding Regions Bank 's severely deficient handling of my fraud claim, which demonstrates systematic failures, multiple regulatory violations, and a pattern of dismissive treatment that caused substantial harm. \n\nADDITIONAL RETALIATORY ACTION The bank 's misconduct extended to wrongfully closing my account, adding another layer of harm and demonstrating retaliatory behavior. This wrongful closure : Created additional financial hardship Disrupted my banking relationships Required establishing new banking arrangements Caused potential damage to my banking history Demonstrated punitive response to my valid complaints Added another regulatory violation to the pattern of misconduct DOCUMENTED TIMELINE OF VIOLATIONS Initial Fraud ( XX/XX/XXXX ) : 54 unauthorized transactions totaling {$4800.00} occurred No fraud alerts triggered despite obvious suspicious pattern Bank failed to contact customer about clearly suspicious activity Basic fraud monitoring systems failed to detect identical repeat transactions Initial Claim Handling ( XXXX XXXX ) : Bank improperly denied valid fraud claim on XX/XX/XXXX Failed to provide provisional credit within required 10-day period Dismissed valid FTC Identity Theft Report without investigation Violated Regulation E investigation requirements No explanation provided for denial decision Extended Pattern of Misconduct ( XXXX ) : Multiple improper denial decisions Valid evidence repeatedly ignored Consumer protection complaints dismissed No substantive investigation conducted Pattern of regulatory non-compliance continued REGULATORY VIOLATIONS Electronic Fund Transfer Act ( EFTA ) & Regulation E : Failed to provide provisional credit within 10 business days Failed to conduct reasonable investigation Failed to consider all relevant evidence Failed to provide detailed explanation of findings Failed to follow required identity theft procedures Consumer Protection Requirements : Wrongfully closed account in apparent retaliation Failed to provide proper notice of account closure Failed to follow account closure procedures Failed to implement adequate fraud monitoring Failed to follow identity theft victim protocols Failed to maintain basic account security Failed to provide mandated consumer protections Failed to properly document investigation findings EVIDENCE OF IMPROPER HANDLING Bank 's Own Admissions : XX/XX/XXXX letter from XXXX XXXX ( Executive VP ) acknowledging error XX/XX/XXXX letter admitting additional compensation due Multiple refunds proving initial denials were wrong No explanation provided for 2+ year delay in correction Documented pattern of dismissive responses Systematic Failures : Failed to detect obviously suspicious transaction pattern Failed to implement basic fraud monitoring Failed to contact customer during suspicious activity Failed to properly investigate identity theft claim Failed to follow regulatory requirements","date_sent_to_company":"2024-11-09T02:25:14.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"10727970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2024-11-09T01:42:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["to contact customer about clearly suspicious activity Basic fraud monitoring systems <em>failed</em> to detect identical repeat transactions Initial Claim Handling ( <em>XXXX</em> <em>XXXX</em> ) : Bank improperly denied valid fraud claim on XX/XX/<em>XXXX</em> <em>Failed</em> to <em>provide</em> provisional credit within required 10-day period Dismissed valid FTC Identity Theft Report without <em>investigation</em> Violated Regulation E <em>investigation</em> requirements No <em>explanation</em> provided for denial decision Extended Pattern of Misconduct ( <em>XXXX</em> ) : Multiple"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.335262,"10727970"]},{"_index":"complaint-public-v1","_id":"18264809","_score":15.23846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I needed help correcting inaccurate information on TransUnion credit report. We contacted TransUnion multiple times to dispute the information and to request clarification on the investigation process. \nOn an earlier call, a TransUnion representative stated that a supervisor would contact us within XXXX hours. When we called back after that time passed, TransUnion stated that there was no record of any supervisor escalation or callback request. \nWe were then transferred to a supervisor identified as XXXX XXXX, who was dismissive, repeatedly interrupted me, and failed to provide clear information regarding the status of the dispute or the investigation. Despite attempts to remain professional and request assistance, the supervisor was uncooperative and ultimately terminated the call without resolving the issue or providing the requested information. \nTransUnion has failed to properly document escalation requests, failed to clearly explain or complete its reinvestigation, and failed to provide accurate information about the status of the dispute. Incorrect information continues to appear on the credit report without a clear explanation or resolution. \nI am requesting that TransUnion conduct a proper reinvestigation under the Fair Credit Reporting Act, correct any inaccurate information, and provide a written explanation of its findings and actions taken.","date_sent_to_company":"2025-12-24T01:06:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07206","tags":null,"has_narrative":true,"complaint_id":"18264809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-24T00:56:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["TransUnion has <em>failed</em> to properly document escalation requests, <em>failed</em> to clearly explain or complete its reinvestigation, and <em>failed</em> to <em>provide</em> accurate information about the status of the dispute. Incorrect information continues to appear on the credit report without a clear <em>explanation</em> or resolution."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.23846,"18264809"]},{"_index":"complaint-public-v1","_id":"18274669","_score":15.136676,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a XXXX XXXX account on my Experian credit report. Experian completed its reinvestigation and reported the account as verified, but did not provide any explanation of how the information was verified. \n\nExperian did not disclose who was contacted, what documentation was reviewed, or how the accuracy of the information was determined. A generic statement that the account was verified does not demonstrate that a reasonable investigation was conducted. \n\nBecause Experian failed to explain the method of verification or provide evidence that the disputed information was properly investigated, I believe Experian did not meet its obligations under the Fair Credit Reporting Act. \n\nI am requesting that Experian either provide a complete explanation of the verification process used for this account or remove the account from my credit report.","date_sent_to_company":"2025-12-24T18:11:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92277","tags":null,"has_narrative":true,"complaint_id":"18274669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-24T17:59:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because Experian <em>failed</em> to explain the method of verification or <em>provide</em> evidence that the disputed information was properly <em>investigated</em>, I believe Experian did not meet its obligations under the Fair Credit Reporting Act. \n\nI am requesting that Experian either <em>provide</em> a complete <em>explanation</em> of the verification process used for this account or remove the account from my credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.136676,"18274669"]},{"_index":"complaint-public-v1","_id":"17641956","_score":15.110462,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Ally Financial and XXXX XXXX XXXX engaged in unfair and deceptive practices. My auto loan balance was repeatedly changed without explanation. Ally failed to provide required loan documentation, accounting records, or proof of how my balance increased. My GAP, tire/wheel, and service contract refunds were mishandled. Large credits such as {$9000.00} and {$9300.00} appeared on my credit report with no explanation. Ally also continued reporting inaccurate balances and derogatory information. I requested full documentation and validation and they did not provide it. I believe the dealer and lender misrepresented fees, added products without proper disclosure, and failed to properly apply payments or refunds. I am requesting a full investigation.","date_sent_to_company":"2025-12-03T03:07:09.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"48088","tags":null,"has_narrative":true,"complaint_id":"17641956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-12-03T02:49:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Ally Financial and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> engaged in unfair and deceptive practices. My auto loan balance was repeatedly changed without <em>explanation</em>. Ally <em>failed</em> to <em>provide</em> required loan documentation, accounting records, or proof of how my balance increased. My GAP, tire/wheel, and service contract refunds were mishandled. Large credits such as {$9000.00} and {$9300.00} appeared on my credit report with no <em>explanation</em>. Ally also continued reporting inaccurate balances and derogatory information."]},"sort":[15.110462,"17641956"]},{"_index":"complaint-public-v1","_id":"21739157","_score":14.98958,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding Bank of Americas improper denial and mishandling of multiple fraud claims on a joint account ending in XXXX, held by XXXX XXXX and XXXX XXXX. \n\nClaim 1 : Claim ID XXXX {$14000.00} Denied without evidence Claim 2 : Claim ID XXXX {$2000.00} Improperly handled/delayed These transactions were unauthorized. Neither account holder approved, initiated, or benefited from these transactions.\n\nBank of America denied and mishandled these claims without providing any evidence, documentation, or reasonable explanation. No proof has been provided that these transactions were authorized by either account holder.\n\nThis conduct violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ). The bank failed to conduct a reasonable investigation, failed to provide a written explanation, and failed to provide copies of the evidence used in their decision.\n\nA denial without proof is not a valid investigation.\n\nIf the bank claims these transactions were authorized, I demand they provide : * IP/device logs * Authentication records * Merchant verification * Any signed authorization The handling of multiple claims demonstrates a pattern of failure to properly investigate fraud and comply with federal law.","date_sent_to_company":"2026-04-30T06:38:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"21739157","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-30T06:12:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Bank of America denied and mishandled these claims without providing any evidence, documentation, or reasonable <em>explanation</em>. No proof has been provided that these transactions were authorized by either account holder.\n\nThis conduct violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ). The bank <em>failed</em> to conduct a reasonable <em>investigation</em>, <em>failed</em> to <em>provide</em> a written <em>explanation</em>, and <em>failed</em> to <em>provide</em> copies of the evidence used in their decision."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.98958,"21739157"]},{"_index":"complaint-public-v1","_id":"12013437","_score":14.918177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've been mailing out letters requestIng more information on a particular account sbnalender acct # XXXX reporting to my credit report. Ive reached out directly to the vendor but failed to receive a response. I notified the credit reporting agency who also failed to provide an explanation. They also failed providing me with proof of proper investigation validating info.","date_sent_to_company":"2025-02-11T01:41:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12013437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T01:29:21.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I've been mailing out letters requestIng more information on a particular account sbnalender acct # <em>XXXX</em> reporting to my credit report. Ive reached out directly to the vendor but <em>failed</em> to receive a response. I notified the credit reporting agency who also <em>failed</em> to <em>provide</em> an <em>explanation</em>. They also <em>failed</em> providing me with proof of proper <em>investigation</em> validating info."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.918177,"12013437"]},{"_index":"complaint-public-v1","_id":"12013559","_score":14.905719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've been mailing out letters requestIng more information on a particular account sbnalender acct # XXXX reporting to my credit report. Ive reached out directly to the vendor but failed to receive a response. I notified the credit reporting agency who also failed to provide an explanation. They also failed providing me with proof of proper investigation validating info.","date_sent_to_company":"2025-02-11T01:41:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12013559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T01:41:11.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I've been mailing out letters requestIng more information on a particular account sbnalender acct # <em>XXXX</em> reporting to my credit report. Ive reached out directly to the vendor but <em>failed</em> to receive a response. I notified the credit reporting agency who also <em>failed</em> to <em>provide</em> an <em>explanation</em>. They also <em>failed</em> providing me with proof of proper <em>investigation</em> validating info."]},"sort":[14.905719,"12013559"]},{"_index":"complaint-public-v1","_id":"18438130","_score":14.904304,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint against Navy Federal Credit Union for lack of transparency, failure to provide a meaningful explanation, and improper handling of my fraud claim in violation of the Electronic Fund Transfer Act ( Regulation E ). \n\nOn XX/XX/year>, I reported two unauthorized debit card transactions in the amount of {$650.00} each, totaling {$1300.00}. The transactions were associated with a merchant identified as XXXX, which does not appear to be a legitimate or verifiable business. I did not authorize, participate in, or benefit from these transactions. \n\nI promptly filed a fraud claim with Navy Federal Credit Union and provided all requested documentation. Despite this, my claim was denied without a clear written explanation of the factual or evidentiary basis for the denial. \n\nAt Navy Federals request, I submitted a written appeal answering all required investigative questions. I explained that : -My debit card remained in my possession at all times -No one else was authorized to use my card -I did not receive any goods or services A similar attempted charge for the same amount was made on my XXXX credit card and was declined, supporting that this was fraudulent activity. Despite full cooperation and multiple follow-ups, Navy Federal has failed to provide : - A written explanation detailing why my fraud claim was denied -The evidence relied upon to conclude the transactions were authorized -Any meaningful transparency regarding the investigation findings Instead, I have received repeated delays, generic responses, and no provisional credit during a prolonged appeal process. To date, I have not been provided the disclosures required under Regulation E regarding the results of the investigation. \n\nIssue With Navy Federals Conduct I believe Navy Federal Credit Union has : 1. Failed to conduct a reasonable investigation 2. Failed to provide required disclosures under Regulation E 3. Failed to explain how the transactions were determined to be authorized 4. Demonstrated a lack of transparency and accountability in handling my fraud dispute Resolution Requested I respectfully request that the CFPB require Navy Federal Credit Union to : - Provide a detailed written explanation for the denial of my fraud claim - Produce documentation and evidence relied upon during the investigation - Reconsider the fraud claim in compliance with Regulation E - Credit my account for the unauthorized transactions if authorization can not be substantiated I have retained copies of all correspondence, transaction records, and supporting documentation and am prepared to provide them upon request.","date_sent_to_company":"2026-01-03T04:15:09.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"18438130","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-03T04:04:25.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["To date, I have not been provided the disclosures required under Regulation E regarding the results of the <em>investigation</em>. \n\nIssue With Navy Federals Conduct I believe Navy Federal Credit Union has : 1. <em>Failed</em> to conduct a reasonable <em>investigation</em> 2. <em>Failed</em> to <em>provide</em> required disclosures under Regulation E 3. <em>Failed</em> to explain how the transactions were determined to be authorized 4."]},"sort":[14.904304,"18438130"]},{"_index":"complaint-public-v1","_id":"12013557","_score":14.873712,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've been mailing out letters requestIng more information on a particular account sbnalender acct # XXXX reporting to my credit report. Ive reached out directly to the vendor but failed to receive a response. I notified the credit reporting agency who also failed to provide an explanation. They also failed providing me with proof of proper investigation validating info.","date_sent_to_company":"2025-02-11T01:41:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12013557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-11T01:41:11.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I've been mailing out letters requestIng more information on a particular account sbnalender acct # <em>XXXX</em> reporting to my credit report. Ive reached out directly to the vendor but <em>failed</em> to receive a response. I notified the credit reporting agency who also <em>failed</em> to <em>provide</em> an <em>explanation</em>. They also <em>failed</em> providing me with proof of proper <em>investigation</em> validating info."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.873712,"12013557"]},{"_index":"complaint-public-v1","_id":"17124226","_score":14.865528,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a dispute with Chime for XXXX unauthorized charges totaling {$50.00}. XXXX in which occurred on Monday XXXX XXXX at XXXX in the amount of {$45.00} from XXXX XXXX and another unauthorized charge for {$5.00} on XXXX XXXX at XXXX from XXXX XXXX XXXX not authorize either these transactions and did not receive any goods or services from them. Chime denied my dispute and only stated that no error occurred, without providing any explanation or evidence supporting their decision. \n\nI appealed the denial on XXXX XXXX and requested a detailed explanation and reconsideration under Regulation XXXX ( XXXX XXXX XXXX ), which requires a financial institution to provide the results and supporting documentation of its investigation. \n\nDespite my written appeal and a XXXX deadline for a response, Chime has failed to respond or provide any documentation to date. I believe this violates my rights under Regulation XXXX, as I was not given a fair investigation or proper explanation for the denial. \n\nI am requesting that Chime : Reopen and properly investigate my dispute, Provide copies of any evidence or documentation used in their decision, and XXXX a refund for the unauthorized charges.","date_sent_to_company":"2025-11-09T17:21:32.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"016XX","tags":null,"has_narrative":true,"complaint_id":"17124226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-09T17:03:04.000Z","state":"MA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I appealed the denial on <em>XXXX</em> <em>XXXX</em> and requested a detailed <em>explanation</em> and reconsideration under Regulation <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ), which requires a financial institution to <em>provide</em> the results and supporting documentation of its <em>investigation</em>. \n\nDespite my written appeal and a <em>XXXX</em> deadline for a response, Chime has <em>failed</em> to respond or <em>provide</em> any documentation to date."]},"sort":[14.865528,"17124226"]},{"_index":"complaint-public-v1","_id":"21887083","_score":14.818061,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint against Navy Federal Credit Union regarding the handling of multiple disputed transactions and their denial without a sufficient or reasonable explanation. \n\nThis matter involves 31 separate transactions with a merchant identified as XXXX, each in the identical amount of {$490.00}, for a total of {$15000.00}. The repetitive and identical nature of these charges is highly irregular and indicative of unauthorized or improperly authorized activity. \n\nI filed disputes for these transactions, and Navy Federal never issued provisional credit. My case was closed within 7 days and the only explanation provided in their written correspondence, under reference number XXXX, was that I was charged what I was owed. This statement does not adequately address the nature of my claims. \n\nMy disputes included : Transactions where the merchant failed to deliver the services promised Navy Federal did not provide a detailed explanation of how each of the 31 transactions was determined to be authorized. They also did not provide any supporting documentation such as IP logs, device identification, timestamps, or merchant-provided evidence to substantiate their conclusion. \n\nAdditionally, a separate financial institution ( XXXX ) investigated similar transactions involving the same dollar amounts and ruled in my favor, further calling into question the validity of these charges and the adequacy of Navy Federals investigation. \n\nUnder Regulation E, financial institutions are required to conduct a reasonable investigation and provide the consumer with the results, including documentation upon request. Navy Federal has failed to meet this obligation by issuing a generalized denial without addressing the specific facts, transaction pattern, or evidence.","date_sent_to_company":"2026-05-05T12:45:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"28304","tags":"Servicemember","has_narrative":true,"complaint_id":"21887083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-05T11:42:47.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["My case was closed within 7 days and the only <em>explanation</em> provided in their written correspondence, under reference number <em>XXXX</em>, was that I was charged what I was owed. This statement does not adequately address the nature of my claims. \n\nMy disputes included : Transactions where the merchant <em>failed</em> to deliver the services promised Navy Federal did not <em>provide</em> a detailed <em>explanation</em> of how each of the 31 transactions was determined to be authorized."]},"sort":[14.818061,"21887083"]},{"_index":"complaint-public-v1","_id":"22167540","_score":14.791155,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, a charge in the amount of {$67.00} was posted to my account. This transaction was the result of a car break-in and the theft of my daughter 's wallet. It was reported to Citibank as unauthorized within approximately four hours of occurrence, and the account was promptly closed to prevent further misuse. The theft was reported to the XXXX Police and report # XXXX was opened. \n\nCiti denied my claim simply stating \" Customer Responsible ''. \n\nUnder the Fair Credit Billing Act and Regulation Z, I am entitled to : 1. A reasonable investigation of disputed charges, and 2. A written explanation of the creditors findings. \n\nCitis failure to provide such an explanation raises serious concerns regarding compliance with these obligations. \n\nI contacted Citibank again and asked them to re-open the case and provide justification for their denial. On XX/XX/XXXX I received another letter simply stating that Citibank \" We are looking into your dispute ''. That was the last time that I heard from Citibank regarding this dispute. I have never received any further response and the case no longer shows as open on your website. \n\nI contacted CitiBank again on XX/XX/XXXX, once again asking them to reverse the XXXX charge. After several days they posted again that they were investigating my complaint but they referenced a comppletely different problem and did not show my issue as open. It appears that once again, nothing will be done about it. I need your help please. \n\nI am requesting the following : A complete written explanation of the investigation conducted, including the evidence relied upon in denying the claim Immediate reconsideration of the dispute Immediate reversal of the {$67.00} charge if Citi can not substantiate that the transaction was authorized For over a year, 1. Citibank failed to provide any meaningful written explanation for the denial. \n2. Citibank did not provide documentation showing why the transaction was considered authorized.\n\n3. Citibank did not explain what evidence was reviewed.\n\n4. Citibank has continued to hold me responsible for the fraudulent charge.\n\nUnder the Fair Credit Billing Act, consumers are entitled to a reasonable investigation and an explanation of the creditors findings when a billing dispute is denied. Citibank has failed to provide that explanation despite repeated requests.\n\nThe amount involved is small ( {$67.00} ), but the issue is important because consumers should not be held responsible for fraudulent transactions that were promptly reported, especially after the account was immediately closed due to suspected theft.","date_sent_to_company":"2026-05-13T18:22:40.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"956XX","tags":"Older American","has_narrative":true,"complaint_id":"22167540","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-13T17:33:16.000Z","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":["A reasonable <em>investigation</em> of disputed charges, and 2. A written <em>explanation</em> of the creditors findings. \n\nCitis failure to <em>provide</em> such an <em>explanation</em> raises serious concerns regarding compliance with these obligations. \n\nI contacted Citibank again and asked them to re-open the case and <em>provide</em> justification for their denial. On XX/XX/<em>XXXX</em> I received another letter simply stating that Citibank \" We are looking into your dispute ''."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.791155,"22167540"]},{"_index":"complaint-public-v1","_id":"18051450","_score":14.718864,"_source":{"product":"Credit card","complaint_what_happened":"My bank failed to properly investigate a credit card dispute involving undelivered services. I purchased a XXXX service in XX/XX/XXXX, but the merchant only provided XXXX  year. My access was terminated on XX/XX/XXXX, well before the contract end date. I made multiple attempts to resolve the issue directly with the merchant ( emails, XXXX XXXX, XXXX chat ), but the merchant did not respond and never restored service. Multiple other customers confirmed the same loss of access. \n\nMerchant Failure : Purchased XXXX service ( XX/XX/XXXX ) Only XXXX year delivered Access terminated XX/XX/XXXX Email # XXXX : XX/XX/XXXX No response Email # XXXX : XX/XX/XXXX No response XXXX XXXX : XX/XX/XXXX No response XXXX  chat : XX/XX/XXXX Multiple customers reported same issue The merchant has never restored access or provided any explanation. \n\nBank Failure ( Regulation Z Violation ) : I contacted the bank on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX and XXXX of XXXX. On XX/XX/XXXX, I spoke with a representative at XXXX XXXX and a supervisor at XXXXXXXX XXXX The bank told me the dispute was denied because the merchant provided documentation, yet the service is still undelivered. The bank did not address the evidence I provided, did not evaluate the service failure, and did not perform a reasonable investigation as required under Regulation Z ( 12 CFR 1026.13 ). \n\nErrors by the Bank : Failed to consider my evidence Failed to address obvious service non-delivery Failed to confirm merchant fulfillment of the XXXX contract Failed to provide a meaningful written explanation for the denial Failed to conduct a reasonable investigation Failed to reopen dispute after new information was submitted Failed to contact merchant meaningfully or resolve ongoing breach Relief Requested : I am requesting that the CFPB require the bank to : Reopen and reinvestigate the dispute Provide the merchant documentation used in their decision Provide a compliant written explanation Issue a refund if the merchant can not prove service fulfillment Outcome Sought : A full and compliant Regulation Z investigation and reimbursement of the disputed amount if merchant fulfillment can not be verified.","date_sent_to_company":"2025-12-15T20:22:14.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18051450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-15T20:11:42.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Errors by the Bank : <em>Failed</em> to consider my evidence <em>Failed</em> to address obvious service non-delivery <em>Failed</em> to confirm merchant fulfillment of the <em>XXXX</em> contract <em>Failed</em> to <em>provide</em> a meaningful written <em>explanation</em> for the denial <em>Failed</em> to conduct a reasonable <em>investigation</em> <em>Failed</em> to reopen dispute after new information was submitted <em>Failed</em> to contact merchant meaningfully or resolve ongoing breach Relief Requested : I am requesting that the CFPB require the bank to : Reopen and reinvestigate the dispute"]},"sort":[14.718864,"18051450"]},{"_index":"complaint-public-v1","_id":"21742486","_score":14.6519375,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, XXXX applied a transaction to my account for {$250.00}, without providing me any explanation as to what the charge was related. Further, XXXX erroneously label the charge as \" Balance Transfer. '' Initially, when I called, I as the representative to explain this balance transfer. She stated that it was the \" balance leftover '' from my previous account in XXXX. \nI told the representative that didn't make sense because I pay off my bill at the end of every month. \nXXXX further review she stated it was possible that the charge originated from a dispute I filed on XX/XX/XXXX for {$250.00}. She stated that she would need to research it and get back to me. After I got off the phone, I was able to determine that the charge was related to a dispute I filed. The issues is now that regardless of the underlying dispute, XXXX can not rebilll my account, reverse a prior credit, or reassert the disputed amount if XXXX failed to comply with the billing error resolution procedures required by the Truth in Lending Act ( TILA ) and Regulation Z, XXXX XXXX XXXX XXXX XXXX XXXX. \n\nUnder XXXX C.F.R. XXXX ( c ) ( XXXX ), a creditor must comply with the applicable error-resolution procedures within XXXX complete billing cycles, but in no event later than XXXX days, after receiving a billing-error notice. If XXXX determined that I owed all or part of the disputed amount, XXXX was required to timely complete its investigation and provide a written explanation setting forth the reasons for that determination before reasserting, rebilling, or collecting the amount ... if a creditor fails to mail or deliver the required written explanation or otherwise fails to comply with the error-resolution procedures, the creditor generally must credit the disputed amount and related finance or other charges to the consumers account. \n\nHere, XXXX failed to timely complete its investigation from XXXX and failed to provide written explanation it it determined that I owed all or a part of that disputed amount and the reason for refilling. In this case, XXXX tried to label the charge as \" balance transfer, '' without any written explanation. The error-resolution period expired long before XX/XX/XXXX. Unless, XXXX and prove it provide me more that on credit, it must reverse the charge it put on my account an XX/XX/XXXX. \n\nThis is not the first time XXXX has reversed a credit or temporary credit without first disclosing to me that it was going to do so","date_sent_to_company":"2026-04-30T09:43:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18018","tags":null,"has_narrative":true,"complaint_id":"21742486","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-30T08:47:50.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Here, <em>XXXX</em> <em>failed</em> to timely complete its <em>investigation</em> from <em>XXXX</em> and <em>failed</em> to <em>provide</em> written <em>explanation</em> it it determined that I owed all or a part of that disputed amount and the reason for refilling. In this case, <em>XXXX</em> tried to label the charge as \" balance transfer, '' without any written <em>explanation</em>. The error-resolution period expired long before XX/XX/<em>XXXX</em>. Unless, <em>XXXX</em> and prove it <em>provide</em> me more that on credit, it must reverse the charge it put on my account an XX/XX/<em>XXXX</em>."]},"sort":[14.6519375,"21742486"]},{"_index":"complaint-public-v1","_id":"11828919","_score":14.571974,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Follow-up Complaint Regarding Inadequate Dispute Resolution and FCRA Violations- Pattern of Systematic Investigation Failures On XX/XX/year>, I filed a CFPB complaint regarding credit reporting inaccuracies. Equifax 's response on XX/XX/year> was inadequate and failed to comply with FCRA requirements. This inadequate response appears to be part of a broader pattern of systematic investigation failures, as evidenced by the lawsuit filed against Equifax on XX/XX/year>, regarding their dispute investigation practices. My experience demonstrates the same problematic practices cited in this legal action. \n\nEvidence of Systematic Investigation Failures : Equifax 's response to my dispute mirrors the allegations in the XX/XX/year> lawsuit Their generic, boilerplate response demonstrates a failure to conduct proper individualized investigations The pattern of deflecting to \" previous disputes '' without addressing current disputes appears to be a systematic practice Their failure to provide specific documentation aligns with broader allegations of inadequate investigation practices Failure to Provide Required Documentation ( FCRA 611 ) : Equifax failed to provide any documentation proving how they verified the disputed accounts No evidence of communications with furnishers was provided No specific verification methods were detailed for individual accounts No names or contact information for verification sources were supplied Improper Handling of Individual Account Disputes : For XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX  XXXX XXXX : Equifax deflected by claiming \" previous disputes '' without addressing the current dispute No verification documentation was provided No explanation of how these accounts were investigated Failed to provide results of current investigation For XXXX XXXX XXXX XXXX : Equifax merely stated the account is \" not currently reporting '' No explanation provided for why the account is no longer reporting No documentation of steps taken to verify this status No information about when or why this change occurred For XXXX XXXX XXXX : No documentation of steps taken to verify this status No verification documentation was provided Violation of FCRA Investigation Requirements : Equifax provided only a generic description of their investigation process No specific details about steps taken for my particular disputes Failed to provide \" all relevant information '' regarding the investigation Did not include required documentation of furnisher communications","date_sent_to_company":"2025-01-29T23:52:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"11828919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T23:03:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["addressing the current dispute No verification documentation was provided No <em>explanation</em> of how these accounts were <em>investigated</em> <em>Failed</em> to <em>provide</em> results of current <em>investigation</em> For <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : Equifax merely stated the account is \" not currently reporting '' No <em>explanation</em> provided for why the account is no longer reporting No documentation of steps taken to verify this status No information about when or why this change occurred For <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : No documentation of steps taken to"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[14.571974,"11828919"]},{"_index":"complaint-public-v1","_id":"21679201","_score":14.520328,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a fraud claim with Navy Federal Credit Union on XX/XX/XXXX regarding an unauthorized transaction totaling {$570.00}. \n\nOn XX/XX/XXXX, I contacted the credit union for an update and was informed that the investigation had been completed on XX/XX/XXXX and the claim was denied. However, I was never provided any written notice of this determination. \n\nUnder the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to notify consumers of the results of an investigation within 3 business days and provide a written explanation upon request. Navy Federal failed to provide timely notice and has not provided any documentation or evidence supporting their decision.\n\nI am requesting : * A written explanation of the denial * Copies of all documents used in the investigation * Confirmation of when and how notice was allegedly provided This lack of communication and failure to follow required procedures is concerning and needs to be addressed.","date_sent_to_company":"2026-04-28T19:32:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60466","tags":null,"has_narrative":true,"complaint_id":"21679201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-28T19:21:02.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to notify consumers of the results of an <em>investigation</em> within 3 business days and <em>provide</em> a written <em>explanation</em> upon request. Navy Federal <em>failed</em> to <em>provide</em> timely notice and has not provided any documentation or evidence supporting their decision."]},"sort":[14.520328,"21679201"]},{"_index":"complaint-public-v1","_id":"21979475","_score":14.49921,"_source":{"product":"Credit card","complaint_what_happened":"To whom it may concern, I am submitting this complaint regarding Capital Ones handling of my fraud dispute involving a charge from XXXX in the amount of {$1200.00} posted on XX/XX/year>. \n\nCapital One concluded that the transaction was valid and belongs to me, yet failed to provide any meaningful explanation or supporting evidence for that determination. In their written response, the company explicitly stated that they were unable to provide any documentation. \n\nI find this extremely concerning. \n\nA financial institution should not be able to deny a fraud claim involving a significant amount of money while refusing or failing to provide the documentation, investigative findings, or evidence used to reach that conclusion. The response I received was largely generic language regarding interest charges and cardmember agreements, rather than a detailed explanation of the actual fraud investigation. \n\nAt this time, I still dispute the transaction as unauthorized and continue to question the adequacy and transparency of Capital Ones investigation. \n\nI respectfully request that Capital One provide : * The basis for determining the transaction was authorized. \n* Whether the transaction involved chip insertion, tap-to-pay, manual entry, or any PIN verification. \n* Any receipts, merchant records, or investigative documentation relied upon. \n* Any evidence connecting me personally to the transaction. \n* A detailed explanation of how the conclusion was reached. \n\nA consumer should be allowed to understand the evidence used against them when a fraud claim is denied, especially when the institution claims certainty while simultaneously stating that no documentation can be provided. \n\nI am requesting a proper reinvestigation of this matter and a more transparent explanation of Capital Ones findings. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-05-07T16:37:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"21979475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-07T16:25:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["To whom it may concern, I am submitting this complaint regarding Capital Ones handling of my fraud dispute involving a charge from <em>XXXX</em> in the amount of {$1200.00} posted on XX/XX/year>. \n\nCapital One concluded that the transaction was valid and belongs to me, yet <em>failed</em> to <em>provide</em> any meaningful <em>explanation</em> or supporting evidence for that determination. In their written response, the company explicitly stated that they were unable to <em>provide</em> any documentation."]},"sort":[14.49921,"21979475"]},{"_index":"complaint-public-v1","_id":"22714244","_score":14.455685,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2026, I disputed a XXXX charge for {$340.00} related to XXXX tickets after I was unable to access the tickets for several hours due to issues with XXXX app. I attempted to resolve the matter directly with XXXX first, but XXXX denied my request for assistance. \n\nI then filed a dispute with BMO Harris Bank ( Dispute ID : XXXX ). On XX/XX/2026, BMO issued a provisional credit for the disputed amount of {$340.00} while the investigation was pending.\n\nAfter receiving the provisional credit, I received no requests for additional information, no follow-up communication regarding the investigation, and no opportunity to provide supporting evidence. In fact, a BMO representative previously informed me that I would have an opportunity to submit screenshots and supporting documentation once the bank contacted me regarding the dispute. That contact never occurred.\n\nOn XX/XX/2026, BMO reversed the provisional credit without any prior notice or explanation. When I contacted BMO through chat, I was initially told that the investigation was still pending. The representative later corrected herself and stated that the investigation had been completed and decided against me. However, I was never provided with the results of the investigation, a written explanation of the findings, notice of the evidence relied upon, or notice that the provisional credit would be reversed. \n\nBased on the information available to me, BMO appears to have failed to provide the notices and explanations required under Regulation E, including the written explanation of findings and notice associated with the reversal of a provisional credit. I am requesting CFPB assistance in obtaining a complete explanation of BMOs actions and ensuring compliance with applicable consumer protection laws.","date_sent_to_company":"2026-05-29T20:00:04.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85029","tags":null,"has_narrative":true,"complaint_id":"22714244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2026-05-29T19:36:08.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["However, I was never provided with the results of the <em>investigation</em>, a written <em>explanation</em> of the findings, notice of the evidence relied upon, or notice that the provisional credit would be reversed. \n\nBased on the information available to me, BMO appears to have <em>failed</em> to <em>provide</em> the notices and <em>explanations</em> required under Regulation E, including the written <em>explanation</em> of findings and notice associated with the reversal of a provisional credit."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.455685,"22714244"]},{"_index":"complaint-public-v1","_id":"11650243","_score":14.424932,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian poorly takes the proper steps to investigates factual information that is being reported on my credit profile. I have requested and provided explanations to why these items reporting on my credit are untrue but Experian over looks my reports and fail to properly investigates the items which they still remain on my credit file. items in questions are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card. they fail to provide me with results on my disputes made about these items they are incorrect and inconsistent. they information/replies from Experian are misleading and confusing","date_sent_to_company":"2025-01-18T00:31:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"11650243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T00:16:23.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have requested and provided <em>explanations</em> to why these items reporting on my credit are untrue but Experian over looks my reports and <em>fail</em> to properly <em>investigates</em> the items which they still remain on my credit file. items in questions are <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> credit card. they <em>fail</em> to <em>provide</em> me with results on my disputes made about these items they are incorrect and inconsistent. they information/replies from Experian are misleading and confusing"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.424932,"11650243"]},{"_index":"complaint-public-v1","_id":"15634785","_score":14.421526,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint regarding XXXX repeated blocking of my monthly rent payment. \n\nThis is a legitimate, recurring transaction to the same landlord I have successfully paid in the past. Most recently, Venmo declined the payment for security reasons but has refused to provide any clear explanation, corrective action, or assurance that the issue will not continue. When I contacted support, I was only told this was typical for customer safety, without details. \n\nBecause this transaction is my rent, the block directly threatens my housing stability. I believe XXXX actions fall under errors as defined in the Electronic Fund Transfer Act ( Regulation E ) and that they have failed to fulfill their legal obligation to investigate and provide a written explanation of their findings.\n\nDesired Resolution : Immediate review and resolution of the blocked transaction. \n\nXXXX that future recurring rent payments will not be arbitrarily blocked. \n\nA written explanation of XXXX investigation and the reasons behind the security block. \n\nThis is a time-sensitive issue, as continued interference with my rent payments risks eviction or other severe consequences.","date_sent_to_company":"2025-08-31T22:58:28.000Z","issue":"Trouble accessing funds in your mobile or digital wallet","sub_product":"Mobile or digital wallet","zip_code":"10003","tags":null,"has_narrative":true,"complaint_id":"15634785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-08-31T22:50:21.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe <em>XXXX</em> actions fall under errors as defined in the Electronic Fund Transfer Act ( Regulation E ) and that they have <em>failed</em> to fulfill their legal obligation to <em>investigate</em> and <em>provide</em> a written <em>explanation</em> of their findings.\n\nDesired Resolution : Immediate review and resolution of the blocked transaction. \n\n<em>XXXX</em> that future recurring rent payments will not be arbitrarily blocked. \n\nA written <em>explanation</em> of <em>XXXX</em> <em>investigation</em> and the reasons behind the security block."]},"sort":[14.421526,"15634785"]},{"_index":"complaint-public-v1","_id":"18918997","_score":14.357706,"_source":{"product":"Checking or savings account","complaint_what_happened":"I disputed multiple charges involving XXXX XXXX / XXXX for failed electronic transfers, services not received, and unauthorized activity. \n\nThe merchant app confirms many transactions FAILED, and no cryptocurrency or services were delivered, yet the charges posted to my account. \n\nI filed a police report documenting these issues and potential account compromise. \n\nI currently do not have access to the full XXXX transaction history prior to early XXXX, and the disputed charges submitted may represent only part of the total affected amount. I am requesting that all eligible transactions within the Regulation E timeframe be reviewed.\n\nChime denied my disputes twice with no explanation and did not provide evidence of a reasonable Regulation E investigation. \n\nI am requesting a formal review, written explanation, and appropriate credit.","date_sent_to_company":"2026-01-22T12:12:38.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"559XX","tags":null,"has_narrative":true,"complaint_id":"18918997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-22T11:56:49.000Z","state":"MN","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I currently do not have access to the full <em>XXXX</em> transaction history prior to early <em>XXXX</em>, and the disputed charges submitted may represent only part of the total affected amount. I am requesting that all eligible transactions within the Regulation E timeframe be reviewed.\n\nChime denied my disputes twice with no <em>explanation</em> and did not <em>provide</em> evidence of a reasonable Regulation E <em>investigation</em>. \n\nI am requesting a formal review, written <em>explanation</em>, and appropriate credit."]},"sort":[14.357706,"18918997"]},{"_index":"complaint-public-v1","_id":"3874400","_score":14.338455,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"USAA Federal Savings Bank failed to meet their legal obligations pursuant to 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) by failing to send a  complete written explanation to the obligor ( XXXX XXXX XXXX ) of the investigation conducted by the creditor. On XXXX XX/XX/2020, a USAA CEO member relations representative stated that only a partial written explanation of the investigation was required and that further investigation details would only be passed via non-written means ( i.e. telephone ) and can not pursue the matter further due to Visa policy. Specifically, USAA has refused to provide a detailed record of the telephone contact attempts ( i.e. a list of call dates and times ) to me during this investigation. Additionally, the USAA CEO member relations representative acknowledged that their credit card dispute representative did refuse to contact me regarding my case but offered no written explanation for this contact refusal. I have over 1 dozen documented attempts to receive a full written explanation of USAAs investigation and transcripts of those attempts are included with this complaint. As USAA failed to comply with this legal provision [ 15 U.S. Code 1666. 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Making it a challenge to properly utilize my credit sufficiently In my opinion Equifax and XXXX did not handle my complaints correctly.","date_sent_to_company":"2025-01-27T19:58:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"53590","tags":null,"has_narrative":true,"complaint_id":"11794709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T19:18:10.000Z","state":"WI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["There were many discrepancies on my report I contacted Equifax and <em>XXXX</em> to conduct an <em>investigation</em>. Ultimately the companies <em>failed</em> to <em>provide</em> a satisfactory <em>explanation</em>. In which the inaccurate data lowered my fico scores. 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