{"took":123,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18048418","_score":12.71778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048418","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","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":["Bankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a <em>Chapter</em> <em>XXXX</em> <em>XXXX</em> that was <em>discharged</em> and <em>XXXX</em> <em>XXXX</em> cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA."]},"sort":[12.71778,"18048418"]},{"_index":"complaint-public-v1","_id":"18048417","_score":12.693245,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","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":["Bankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a <em>Chapter</em> <em>XXXX</em> <em>XXXX</em> that was <em>discharged</em> and <em>XXXX</em> <em>XXXX</em> cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA."]},"sort":[12.693245,"18048417"]},{"_index":"complaint-public-v1","_id":"18048416","_score":12.678181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T18:46:59.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Bankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a <em>Chapter</em> <em>XXXX</em> <em>XXXX</em> that was <em>discharged</em> and <em>XXXX</em> <em>XXXX</em> cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA."]},"sort":[12.678181,"18048416"]},{"_index":"complaint-public-v1","_id":"15263865","_score":9.3481245,"_source":{"product":"Student loan","complaint_what_happened":"The relevant population is XXXX students who first enrolled between XX/XX/XXXX and XX/XX/XXXX and who owe debt directly to the University. Other debt, including, but not limited to, federal student loans are not affected by the settlement agreement. If you have questions about any existing student loan debts you may have, please contact your loan servicer for more information. If you need assistance with student loans please use this website XXXX XXXX XXXX XXXX  or call XXXX Your enrollment date is XXXX, and you do not have a balance due to the University, therefore your account is not part of the FTC settlement. \n\n\n\nIf you have additional questions, please refer to our microsite at XXXX or XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not true as I was in school during the time alloted - See below XXXX XXXX XXXX XXXX XXXXXXXX, XXXX to me Dear XXXX XXXX, XXXX XXXX for contacting XXXX. Our CEO, XXXX XXXX, has requested that a member of the Ombudsman Team contact you directly for additional information and follow-up. Our main focus is to address any underlying concerns and ensure our customers always have the right information. Your account has been assigned, and we will contact you in writing within XXXX business days. We also will keep XXXX XXXX apprised of the resolution. \n\n\n\nSincerely, XXXX XXXX. \n\n\n\nXXXX Ombudsman XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX | Fax XXXX XXXXXXXX XXXX mohela.com Dear XXXX XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request your review and assistance regarding my federal student loans currently serviced by XXXX. This request pertains to a XXXX XXXX to XXXX  application, which has not been updated since XX/XX/XXXX, as well as XXXX XXXX XXXX XXXX ( XXXX  ) payment discrepancies. \nI have faithfully served in the field of education for over XXXX years, dedicating my career to teaching and supporting students. Despite this, my XXXX account only reflects XXXX qualifying payments, which I believe significantly underrepresents my actual service time. I respectfully request a full audit and correction of my XXXX  payment count. \nIn addition, I am asking for the removal of these student loans from my credit report and for the balance to be zeroed out based on the pending XXXX XXXX application and my ongoing service as an educator. This request is made not only on the grounds of fairness and eligibility, but also out of urgent personal need. \nMy partner and I are expecting a child soon, and we are currently working toward purchasing our first home. These student loan issues are creating major barriers in our lives during what should be a joyful and exciting chapter. As a committed educator and public servant, I am simply asking for a chance to live a stable, decent life while continuing to serve our children and communities. \nAll supporting documents have been attached for your review. I kindly and respectfully ask for your support in helping bring a resolution to this matter. \nName : XXXX XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Thank you very much for your time, compassion, and consideration. I would be grateful for any assistance you can provide. \nSincerely, XXXX XXXX XXXX sent directly to them as it's been XXXX  months and XXXX  years exactly on XX/XX/XXXX which I sent in my borrowers defense claim with no response. \n\nSubject : Request for Student Loan Discharge and Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Attachments XXXX XXXX, XXXX, XXXX to info, XXXX Dear XXXX XXXX XXXX I hope you're doing well. My name is XXXX XXXX, and XXXX writing to request your help regarding my federal student loans with XXXX. \n\nI submitted a XXXX XXXX application that has not been updated since XX/XX/XXXX. In addition, my XXXX XXXX XXXX XXXX ( XXXX ) record only reflects XXXX payments, though Ive been an educator for over XXXX  years and believe this number should be significantly higher. \n\nI respectfully ask that my loans be removed from my credit report and that my account be zeroed out based on these concerns. My partner and I are expecting a child and trying to buy our first home, and resolving this would make a huge difference in our lives. \n\nPlease find attached the necessary documents for your review. I deeply appreciate your time and consideration. \n\nBest regards, XXXX XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX In addition, the XXXX credit bureaus have my name as XXXX XXXX which my name has never been that, I receive mail and phone calls based on this inaccurate name change that has occurred for year. Another letter I'll be sending out today. \n\nCategory : Credit reporting, credit repair services, or other personal consumer reports Credit reporting Incorrect information on your report Complaint Narrative : I am filing this complaint because my credit report contains inaccurate and unverified information that has not been corrected despite multiple disputes over the past XXXX years. \n\nIncorrect Personal Information : My name is being reported as XXXX XXXX. This is not my name. I have received calls and mail from other agencies attempting to reach XXXX XXXX, which clearly indicates a case of mistaken identity. \n\nIncorrect XXXX XXXX XXXX : My student loan account is showing as delinquent. This is incorrect because I have the required payment count for the loan to be current. Despite providing this information previously, the error has not been corrected. \n\nFailure to Properly Investigate : Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), the credit bureau and/or furnisher is required to conduct a reasonable investigation of disputed information. They have failed to do so. \n\nLack of Proper Verification : I requested verification of the account, including the original purchase agreement, but have not been provided with valid documentation. \n\nI am requesting : Immediate deletion of the inaccurate account ( XXXX ) from my credit file A copy of the original purchase agreement and documentation used to verify the account Statutory damages of {$1000.00} for violations of the FCRA and FDCPA The ongoing reporting of false information is causing me financial harm, including difficulty obtaining credit and housing. \n\nYour federal loan account numbers are listed below : Loan Type Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-08-13T17:27:33.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"15263865","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-08-13T16:23:21.000Z","state":"AL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Category : Credit reporting, credit repair services, or other personal consumer reports Credit reporting Incorrect information on your report <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> because my credit report contains inaccurate and unverified information that has not been corrected despite multiple disputes over the past <em>XXXX</em> years. \n\nIncorrect Personal Information : My name is being reported as <em>XXXX</em> <em>XXXX</em>. This is not my name."]},"sort":[9.3481245,"15263865"]},{"_index":"complaint-public-v1","_id":"16426091","_score":6.7754803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( Big 3 + Specialty Bureaus ) What happened ( brief narrative for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across XXXX XXXX XXXX, and several specialty banking/identity bureaus. I have documented identity-theft indicators tied to multiple data breaches ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Items previously deleted were later reinserted without furnisher certification or 5-day notice, violating FCRA 611 ( a ) ( 5 ) ( B ). \n\nBecause XXXX XXXX XXXXXXXX XXXX  also check XXXXXXXX XXXX XXXX  ( not just XXXX XXXX XXXX CRAs ), bad data in these files is causing, or likely to cause, automatic business-credit denials. I submitted disputes/freezes to prevent harm and asked for Method of Verification ( MOV ) and first-party signature/authorization proof for each retained tradeline and hard inquiry. The bureaus have not provided the required documentation. \n\nI am requesting deletion/blocking of unverifiable or identity-theft items, correction of cross-bureau inconsistencies, confirmation of freezes/opt-outs across specialty files, and a written MOV showing signed applications/contracts ( or valid e-signature audit trails ) for every retained account and hard inquiry. \n\nCompanies youre complaining about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nIssue : XXXX belongs to someone else / incorrect information / problem with a credit reporting companys investigation. \n\nBackground & breach context ( attach proofs ) XXXX XXXX Breach In re : XXXX XXXX XXXX XXXX XXXX, No. XXXX. \n\nXXXX XXXX XXXX XXXX XXXX consolidated consumer actions ( XXXX XXXX. : insert when available ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX XXXX XXXX ) consolidated consumer actions ( XXXX XXXX. : insert when available ). \n\nXXXX  & address-change alerts : XX/XX/XXXX ( multiple alerts ) ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. \n\nFTC ID Theft Report : Ref XXXX. Police Report : Case XXXX. \n\nPersonal-information corrections requested ( XXXX XXXX XXXX XXXX ) Keep only my current legal name and current address ; remove legacy/unauthorized addresses, outdated phone numbers, and the unrelated employer entry. Suppress SSN/DOB from public display. \n\nImproper reinsertion Items previously removed were reinserted without furnisher recertification and without written 5-day notice in violation of 611 ( a ) ( 5 ) ( B ). I request permanent deletion of any item reinserted without full compliance and written proof of certification/notice. \n\nDisputed tradelines ( cross-bureau conflicts / ID-theft indicators ) ( Each item has highlighted bureau pages attached. I request deletion if unverifiable or full MOV with signer-tied authorization. XXXX XXXX XXXX XXXX  XXXX Authorized User ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX conflicts ( High Credit ; Date Opened ). Remedy : align to AU/Open/Current with correct limit/high credit and dates, or delete. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) High credit mismatch ( XXXXXXXX XXXX XXXX XXXX ; last-active misaligned. Remedy : correct across bureaus or delete. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charge-off vs closed due to inactivity ; need XXXX and full ledger. Remedy : correct or delete. \n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX  shows XXXX  XXXX bankruptcy comment without clear court linkage. Remedy : provide public-record linkage or delete. \n\n* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Status conflicts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and differing report dates/comments. Remedy : provide note/ledger/foreclosure docs and align, or delete. \n\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple field mismatches ( payment, balance, terms, past-due, status, last reported/active, date of last payment ). Remedy : provide note/ledger/escrow & workout docs and reconcile, or delete. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX term ; last-reported dates differ ; missing entirely on XXXX  despite an active XXXX XXXXXXXX XXXX. Remedy : align to Open/Current, XXXX XXXX XXXX XXXX  balance/high credit {$100000.00}, with matching datesor delete. \n\nBankruptcy public record ( remove if unverifiable ) Reference : XXXX ( Chapter XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; court names conflict. \n\nCourts do not furnish/verify directly with CRAs ; data is scraped by third-party vendors. Identify PACER/vendor, case number, filed/discharge/closure dates, and the exact documents relied upon. If you can not produce competent evidence tying this record to me, delete from all files and downstream products. If reinserted previously, provide 611 ( a ) ( 5 ) ( B ) certification/notice or remove.\n\nHard inquiries to remove/block ( unauthorized / mixed-file ) Provide MOV for each retained hard inquiry ( FCRA 604 permissible-purpose code, furnisher/member code, signed authorization or valid e-signature XXXX XXXX with timestamp/IP/device logs ; manual vs automated verification ). If you can not produce authorization, delete or convert to soft, and if theft-related, block under 605B.\n\nBureau Company / Creditor Date Basis of Dispute Requested Action XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization / no permissible use Delete or reclassify to soft XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX Duplicate / no authorization XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Identity theft / no authorization Block under 605B XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXXXX/XX/XXXX No authorization Delete XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization Delete ( Also note prior cross-bureau inquiry mismatches for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) Specialty banking/identity files ( heavily weighted in business lending ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reporting bank, member code, account # /dates, DOFD, signed account agreement, closure/overdraft documentation, internal ledger/return-item records, basis for any fraud coding ). Delete unsupported entries and notify downstream users. \n\nXXXX XXXX : Remove mismatched identifiers/public-record summaries not tied to first-party court documents ; provide sources/timestamps/copies relied upon. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete unverifiable entries ; provide application/consent/ledgers/payment histories. \n\nXXXX  : Correct/remove mismatched telecom/utility data ; provide furnisher, account numbers, and billing/delinquency proof. \n\nSignature/authorization proof ( required for any item you keep ) For every retained tradeline and inquiry, provide competent evidence that I authorized it : Signed application/contract ( wet ink ) or valid e-signature that complies with the E-SIGN Act ; E-signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX steps used XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; Furnisher member code and permissible-purpose code for each inquiry ; Internal underwriting/system notes linking the authorization to my identity and the full payment ledger/first-use records. \nIf you can not produce the above, delete the item and provide written confirmation.","date_sent_to_company":"2025-10-21T20:30:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"16426091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-10-07T08:14:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Credit Reporting ( Big 3 + Specialty Bureaus ) What happened ( brief <em>narrative</em> for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, and several specialty banking/identity bureaus. I <em>have</em> documented identity-theft indicators tied to multiple data breaches ( XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ) and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> ; XX/XX/<em>XXXX</em> ; XX/XX/<em>XXXX</em> ; XX/XX/<em>XXXX</em> )."]},"sort":[6.7754803,"16426091"]},{"_index":"complaint-public-v1","_id":"16426090","_score":6.7555513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( Big XXXX + Specialty Bureaus ) What happened ( brief narrative for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, Equifax, and several specialty banking/identity bureaus. I have documented identity-theft indicators tied to multiple data breaches ( XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and dark-web/address-change alerts ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Items previously deleted were later reinserted without furnisher certification or XXXX notice, violating FCRA 611 ( a ) ( 5 ) ( B ). \n\nBecause banks and XXXX lenders also check XXXX and XXXX ( not just XXXX XXXX XXXX CRAs ), bad data in these files is causing, or likely to cause, automatic business-credit denials. I submitted disputes/freezes to prevent harm and asked for Method of Verification ( MOV ) and first-party signature/authorization proof for each retained tradeline and hard inquiry. The bureaus have not provided the required documentation. \n\nI am requesting deletion/blocking of unverifiable or identity-theft items, correction of cross-bureau inconsistencies, confirmation of freezes/opt-outs across specialty files, and a written XXXX  showing signed applications/contracts ( or valid e-signature audit trails ) for every retained account and hard inquiry. \n\nCompanies youre complaining about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : Credit reporting ( also Other personal reports for XXXX XXXX \nIssue : Information belongs to someone else / incorrect information / problem with a credit reporting companys investigation. \n\nBackground & breach context ( attach proofs ) XXXX XXXX Breach In re : XXXX XXXX XXXX XXXX XXXX, No. XXXX. \n\nXXXX XXXX XXXX XXXX XXXX consolidated consumer actions ( MDL No. : insert when available ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX ( XXXX ) In re XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. Md. ). \n\nXXXX  ( XXXX ) consolidated consumer actions ( XXXX XXXX. : insert when available ). \n\nDark-web & address-change alerts : XX/XX/XXXX ( multiple alerts ) ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. \n\nFTC ID Theft Report : Ref XXXX. Police Report : Case XXXX. \n\nPersonal-information corrections requested ( Metro 2 Code 112 ) Keep only my current legal name and current address ; remove legacy/unauthorized addresses, outdated phone numbers, and the unrelated employer entry. Suppress SSN/DOB from public display. \n\nImproper reinsertion Items previously removed were reinserted without furnisher recertification and without written XXXX notice in violation of 611 ( a ) ( 5 ) ( B ). I request permanent deletion of any item reinserted without full compliance and written proof of certification/notice. \n\nDisputed tradelines ( cross-bureau conflicts / ID-theft indicators ) ( Each item has highlighted bureau pages attached. I request deletion if unverifiable or full XXXX  with signer-tied authorization. ) XXXX XXXX XXXX XXXX Authorized User ( Acct XXXX XXXX XXXX ) TXXXX XXXX XXXX conflicts ( High Credit ; Date Opened ). Remedy : align to AU/Open/Current with correct limit/high credit and dates, or delete. \n\nXXXX XXXX XXXX. XXXX XXXX Credit Card ( Acct XXXX XXXX XXXX ) High credit mismatch ( XXXX vs XXXX  ) ; last-active misaligned. Remedy : correct across bureaus or delete. \n\nXXXX XXXX  XXXX. XXXX ( Acct XXXX XXXX XXXXXXXX ) Charge-off vs closed due to inactivity ; need XXXX and full ledger. Remedy : correct or delete. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TU shows Chapter XXXX bankruptcy comment without clear court linkage. Remedy : provide public-record linkage or delete. \n\n* * XXXX. XXXX Mortgage ( Acct * * XXXX ) Status conflicts ( TU Late XXXX / EX Foreclosure / XXXX  Late XXXX ) and differing report dates/comments. Remedy : provide note/ledger/foreclosure docs and align, or delete. \n\nXXXX XXXX XXXXXXXX. XXXX XXXX Mortgage ( Acct XXXX XXXX XXXXXXXX ) Multiple field mismatches ( payment, balance, terms, past-due, status, last reported/active, date of last payment ). Remedy : provide note/ledger/escrow & workout docs and reconcile, or delete. \n\nXXXX XXXX  XXXX. XXXX XXXX XXXX ( Acct XXXX XXXX XXXX ) XXXX  shows XXXX term ; TU shows XXXX term ; last-reported dates differ ; missing entirely on Equifax despite an active $ XXXX XXXX. Remedy : align to Open/Current, XXXX XXXX $ XXXX, balance/high credit {$100000.00}, with matching datesor delete. \n\nBankruptcy public record ( remove if unverifiable ) Reference : XXXX ( XXXX  XXXX ) XXXX show XX/XX/XXXX ; XXXX  shows XX/XX/XXXX ; court names conflict. \n\nCourts do not furnish/verify directly with CRAs ; data is scraped by third-party vendors. Identify PACER/vendor, case number, filed/discharge/closure dates, and the exact documents relied upon. If you can not produce competent evidence tying this record to me, delete from all files and downstream products. If reinserted previously, provide 611 ( a ) ( 5 ) ( B ) certification/notice or remove. \n\nHard inquiries to remove/block ( unauthorized / mixed-file ) Provide XXXX  for each retained hard inquiry ( FCRA 604 permissible-purpose code, furnisher/member code, signed authorization or valid e-signature audit trail with timestamp/IP/device logs ; manual vs automated verification ). If you can not produce authorization, delete or convert to soft, and if theft-related, block under XXXX05B.\n\nBureau Company / Creditor Date Basis of Dispute Requested Action XXXX  XXXX XXXX XX/XX/XXXX No authorization / no permissible use Delete or reclassify to soft XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX Duplicate / no authorization XXXX XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete TransUnion XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXX  XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Identity theft / no authorization Block under 605B TransUnion XXXX XXXX XX/XX/XXXX No authorization Delete TransUnion XXXX/XXXX  XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete ( Also note prior cross-bureau inquiry mismatches for XXXX  XXXX ( various ), XXXX ( XX/XX/XXXX ), Georgia XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) Specialty banking/identity files ( heavily weighted in business lending ) XXXX / XXXX / XXXX  : Provide MOV ( reporting bank, member code, account # /dates, XXXX, signed account agreement, closure/overdraft documentation, internal ledger/return-item records, basis for any fraud coding ). Delete unsupported entries and notify downstream users. \n\nXXXX XXXX : Remove mismatched identifiers/public-record summaries not tied to first-party court documents ; provide sources/timestamps/copies relied upon. \n\nXXXX XXXX XXXX XXXX XXXX  XXXX / XXXX  : Delete unverifiable entries ; provide application/consent/ledgers/payment histories. \n\nNCTUE : Correct/remove mismatched telecom/utility data ; provide furnisher, account numbers, and billing/delinquency proof. \n\nSignature/authorization proof ( required for any item you keep ) For every retained tradeline and inquiry, provide competent evidence that I authorized it : Signed application/contract ( wet ink ) or valid e-signature that complies with the E-SIGN Act ; E-signature XXXX XXXX ( timestamps, IP/device/browser, XXXX logs, exact doc version ) ; XXXX steps used ( KBA, ID upload, geolocation, video KYC ) ; Furnisher member code and permissible-purpose code for each inquiry ; Internal underwriting/system notes linking the authorization to my identity and the full payment ledger/first-use records. \nIf you can not produce the above, delete the item and provide written confirmation.","date_sent_to_company":"2025-10-07T08:15:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"16426090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-10-07T08:14:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Credit Reporting ( Big <em>XXXX</em> + Specialty Bureaus ) What happened ( brief <em>narrative</em> for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, Equifax, and several specialty banking/identity bureaus."]},"sort":[6.7555513,"16426090"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your 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response","doc_count":1}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"Servicer under contract with Federal Student Aid","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MO","doc_count":3},{"key":"GA","doc_count":2},{"key":"AL","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}