{"took":176,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11983,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2830405","_score":15.975643,"_source":{"product":"Debt collection","complaint_what_happened":"CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL AND STATE AND FEDERAL CONSUMER PROTECTION LAWS.","date_sent_to_company":"2018-03-01T07:54:23.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2830405","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-01T07:40:41.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>CREDIT</em> BUREAU IS IN VIOLATION OF FCRA, METRO 2 <em>COMPLIANCE</em>, LOCAL AND <em>STATE</em> AND <em>FEDERAL</em> CONSUMER <em>PROTECTION</em> LAWS."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.975643,"2830405"]},{"_index":"complaint-public-v1","_id":"2830697","_score":15.954014,"_source":{"product":"Debt collection","complaint_what_happened":"CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, STATE, LOCAL AND FEDERAL CONSUMER PROTECTION LAWS.","date_sent_to_company":"2018-03-01T08:05:55.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2830697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-01T07:57:00.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>CREDIT</em> BUREAU IS IN VIOLATION OF FCRA, METRO 2 <em>COMPLIANCE</em>, <em>STATE</em>, LOCAL AND <em>FEDERAL</em> CONSUMER <em>PROTECTION</em> LAWS."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.954014,"2830697"]},{"_index":"complaint-public-v1","_id":"2830698","_score":15.95007,"_source":{"product":"Debt collection","complaint_what_happened":"CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL, STATE AND FEDERAL CONSUMER PROTECTION LAWS.","date_sent_to_company":"2018-03-01T08:13:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2830698","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-01T08:07:12.000Z","state":"NJ","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>CREDIT</em> BUREAU IS IN VIOLATION OF FCRA, METRO 2 <em>COMPLIANCE</em>, LOCAL, <em>STATE</em> AND <em>FEDERAL</em> CONSUMER <em>PROTECTION</em> LAWS."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.95007,"2830698"]},{"_index":"complaint-public-v1","_id":"8387355","_score":15.353287,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Credit Acceptance Corporation 's ongoing violations and non-compliance with regulatory laws in the United States, as per XXXX XXXX XXXX point to potential breaches of federal law, specifically related to civil rights violations. Section XXXX makes it illegal for anyone acting under state authority to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States. In the context of Credit Acceptance Corporation, these violations could include discriminatory practices, unfair treatment of consumers, or actions that deprive individuals of their legal rights under federal laws governing consumer protection. Such conduct may be subject to federal investigation and legal action to ensure compliance with civil rights protections and consumer rights laws in the United States.","date_sent_to_company":"2024-02-21T15:19:18.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"44146","tags":null,"has_narrative":true,"complaint_id":"8387355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-02-21T15:09:15.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["In the context of <em>Credit</em> Acceptance Corporation, these violations could include discriminatory practices, unfair treatment of consumers, or actions that deprive individuals of their legal rights under <em>federal</em> laws governing consumer <em>protection</em>. Such conduct may be subject to <em>federal</em> investigation and legal action to ensure <em>compliance</em> with civil rights <em>protections</em> and consumer rights laws in the United States."],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"]},"sort":[15.353287,"8387355"]},{"_index":"complaint-public-v1","_id":"11018432","_score":14.192545,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. \n\nDetails of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. \nFailure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. \nNegative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my XXXX XXXX. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly. \nRelevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. \nFair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. \nState Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. \nResolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. \nRemoval of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. \nAssurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. \nRefund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance.\n\nI trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws.\n\nThank you for your attention to this complaint.","date_sent_to_company":"2024-12-04T22:38:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"11018432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-04T22:34:32.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Removal of Negative <em>Credit</em> Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the <em>credit</em> bureaus regarding this account until the dispute is fully resolved. \nAssurance of <em>Compliance</em> : XXXX XXXX must take steps to ensure <em>compliance</em> with <em>federal</em> and <em>state</em> consumer <em>protection</em> laws in handling disputes and reporting accurate information."]},"sort":[14.192545,"11018432"]},{"_index":"complaint-public-v1","_id":"11029685","_score":13.797312,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. \n\nDetails of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. \nFailure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. \nNegative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my credit score. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly.\n\nRelevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. \nFair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. \nState Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. \nResolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. \nRemoval of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. \nAssurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. \nRefund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance. \nI trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws. \n\nThank you for your attention to this complaint.","date_sent_to_company":"2024-12-04T22:33:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"11029685","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-04T22:28:14.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Removal of Negative <em>Credit</em> Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the <em>credit</em> bureaus regarding this account until the dispute is fully resolved. \nAssurance of <em>Compliance</em> : XXXX XXXX must take steps to ensure <em>compliance</em> with <em>federal</em> and <em>state</em> consumer <em>protection</em> laws in handling disputes and reporting accurate information."]},"sort":[13.797312,"11029685"]},{"_index":"complaint-public-v1","_id":"5691695","_score":13.757585,"_source":{"product":"Debt collection","complaint_what_happened":"I have no knowledge of ownership of this account. Please provide original proof debt and ownership, ex : Bills, Contracts, my state issues ID, Signature, any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act ( FCRA ) and The Equal Credit Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act please make sure CREDIT LAWS for state of North Carolina and federal laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau and FBI and FEDERAL TRADE COMMISSION and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in federal court for violation 's ~815 ~808 ~809 of federal credit law.","date_sent_to_company":"2022-07-06T17:52:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"5691695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Helvey & Associates, Inc., Warsaw, IN Branch","date_received":"2022-06-21T15:36:16.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please make sure your company is in <em>compliance</em> with Fair Debt Collection Practices Act and also Fair <em>Credit</em> Reporting Act ( FCRA ) and The Equal <em>Credit</em> Opportunity Act and The Fair <em>Credit</em> Billing Act and The Truth in Lending Act please make sure <em>CREDIT</em> LAWS for <em>state</em> of North Carolina and <em>federal</em> laws are being followed. I will also file a complaint to the Consumer Financial <em>Protection</em> Bureau and FBI and <em>FEDERAL</em> TRADE COMMISSION and creditor and collection agency."]},"sort":[13.757585,"5691695"]},{"_index":"complaint-public-v1","_id":"16246478","_score":13.625467,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal complaint against TRANSUNION regarding the account listed as XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, Date Opened : XX/XX/year>, Balance : {$170.00}. The reporting of this account contains serious inaccuracies and is being maintained in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and specific provisions under New York State consumer protection and credit reporting statutes. TRANSUNION has failed to ensure maximum possible accuracy, as required under FCRA 1681e ( b ), and has continued publishing this derogatory information despite clear disputes, constituting negligent and willful noncompliance under FCRA XXXX. \nFurthermore, under New York General Business Law 380, consumer reporting agencies are prohibited from maintaining and furnishing inaccurate, incomplete, or unverifiable information. TRANSUNIONs actions directly violate these state protections by allowing an account with questionable ownership, incomplete verification, and unverifiable balance data to remain in my file. In addition, the failure to provide proper reinvestigation procedures under FCRA 611 and to block erroneous or disputed information violates both state and federal mandates designed to protect New York residents from unfair credit harm.\n\nThe continued reporting of this account has caused measurable damage, including the lowering of my creditworthiness, financial loss, and reputational injury. TRANSUNIONs refusal or neglect to correct and delete this information after disputes constitutes a breach of its obligations under U.S. Federal Law, the FCRA, and New York consumer protection statutes. I am demanding immediate removal of this account from my credit file, along with written confirmation of deletion, to bring TRANSUNION into full compliance with applicable state and federal law.","date_sent_to_company":"2025-09-29T16:36:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"16246478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T16:23:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Federal</em> Law, the FCRA, and New York consumer <em>protection</em> statutes. I am demanding immediate removal of this account from my <em>credit</em> file, along with written confirmation of deletion, to bring TRANSUNION into full <em>compliance</em> with applicable <em>state</em> and <em>federal</em> law."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.625467,"16246478"]},{"_index":"complaint-public-v1","_id":"11657456","_score":13.617264,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the account reported by Southwest Credit Systems on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I have the right to ensure that all information reported about me is accurate, complete, and verifiable. \n\nI believe this account is inaccurate and may not comply with federal or state consumer protection laws. I request that you investigate this matter and provide documentation to validate the account in compliance with 15 U.S.C. 1681s-2. If the account can not be fully validated as accurate and legally enforceable, I request its immediate removal from my credit report.","date_sent_to_company":"2025-01-17T22:00:23.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"33013","tags":null,"has_narrative":true,"complaint_id":"11657456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2025-01-17T21:48:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the account reported by Southwest <em>Credit</em> Systems on my <em>credit</em> report. Under the Fair <em>Credit</em> Reporting Act ( FCRA ) and other applicable consumer <em>protection</em> laws, I have the right to ensure that all information reported about me is accurate, complete, and verifiable. \n\nI believe this account is inaccurate and may not comply with <em>federal</em> or <em>state</em> consumer <em>protection</em> laws."],"company":["Southwest <em>Credit</em> Systems, L.P."]},"sort":[13.617264,"11657456"]},{"_index":"complaint-public-v1","_id":"15307730","_score":13.561176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : This is a formal complaint against Experian, XXXX, and XXXX  for the continued reporting of a fraudulent charge-off account on my credit report violating federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Federal Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related data within four business days of receiving my valid FTC Identity Theft Report ( # XXXX ). \n\nFCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to promptly delete information found to be inaccurate or unverifiable.\n\nFCRA 607 ( b ) Failure to ensure maximum possible accuracy in reporting.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.\n\nState Law Violations In addition to federal violations, these actions also violate state consumer protection laws, which vary by jurisdiction but typically include : Unfair and Deceptive Acts or Practices ( UDAP ) laws under State Consumer Protection Statutes State Identity Theft Protection Acts that mandate proper response to identity theft claims and reporting responsibilities State Data Privacy Laws protecting against unauthorized use or disclosure of personal information Negligent and willful misrepresentation in the course of credit reporting Example ( Florida Residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Florida Identity Theft Act, which mirror federal protections but allow for private rights of action with statutory penalties and attorney fees.\n\nHarm Caused A significant drop in my credit score Denial of credit opportunities Financial strain and reputational damage Hours spent correcting unlawful reporting Emotional distress due to prolonged exposure to false data Continued exposure to inaccurate data despite filing a certified dispute package Remedies Requested I am demanding that the CFPB take immediate action to : Order permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account ( Partial Acct # : XXXX ) and any related inquiries.\n\nRequire written confirmation of removal and assurance against future reporting of this account without full compliance with FCRA and state laws.\n\nImpose penalties for failing to block/remove this account within the 4 business days required by FCRA 605B . \n\nAudit bureau charge-off and collection reporting procedures for broader FCRA compliance XXXX \n\nRefer this matter to state authorities for prosecution of state law violations. \n\nSupporting Evidence FTC Identity Theft Report # XXXX Current credit report ( highlighting fraudulent entry ) Government-issued ID Proof of address USPS Certified Mail tracking Prior written dispute notice Additional Agencies Notified : Federal Trade Commission ( FTC ) Office of the Attorney General ( Florida ) State Department of Financial Regulation XXXX XXXX XXXX State Consumer Protection Office","date_sent_to_company":"2025-08-15T20:07:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"15307730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-15T20:07:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Complaint Summary : This is a formal complaint against Experian, XXXX, and XXXX  for the continued reporting of a fraudulent charge-off account on my <em>credit</em> report violating <em>federal</em> and <em>state</em> laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) <em>State</em>-level consumer <em>protection</em> laws governing fraud, privacy, <em>credit</em> reporting, and deceptive business practices <em>Federal</em> Law Violations ( FCRA ) FCRA 605B ("],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.561176,"15307730"]},{"_index":"complaint-public-v1","_id":"15308896","_score":13.559544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : This is a formal complaint against XXXX, Equifax, and XXXX  for the continued reporting of a fraudulent charge-off account on my credit report violating federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Federal Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related data within four business days of receiving my valid FTC Identity Theft Report ( # XXXX ). \n\nFCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to promptly delete information found to be inaccurate or unverifiable.\n\nFCRA 607 ( b ) Failure to ensure maximum possible accuracy in reporting.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. \n\nState Law Violations In addition to federal violations, these actions also violate state consumer protection laws, which vary by jurisdiction but typically include : Unfair and Deceptive Acts or Practices ( UDAP ) laws under State Consumer Protection Statutes State Identity Theft Protection Acts that mandate proper response to identity theft claims and reporting responsibilities State Data Privacy Laws protecting against unauthorized use or disclosure of personal information Negligent and willful misrepresentation in the course of credit reporting Example ( Florida Residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Florida Identity Theft Act, which mirror federal protections but allow for private rights of action with statutory penalties and attorney fees. \n\nHarm Caused A significant drop in my credit score Denial of credit opportunities Financial strain and reputational damage Hours spent correcting unlawful reporting Emotional distress due to prolonged exposure to false data Continued exposure to inaccurate data despite filing a certified dispute package Remedies Requested I am demanding that the CFPB take immediate action to : Order permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account ( Partial Acct # : XXXX ) and any related inquiries. \n\nRequire written confirmation of removal and assurance against future reporting of this account without full compliance with FCRA and state laws. \n\nImpose penalties for failing to block/remove this account within the 4 business days required by FCRA 605B .\n\nAudit bureau charge-off and collection reporting procedures for broader FCRA compliance .\n\nRefer this matter to state authorities for prosecution of state law violations. \n\nSupporting Evidence FTC Identity Theft Report # XXXX Current credit report ( highlighting fraudulent entry ) Government-issued ID Proof of address USPS Certified Mail tracking Prior written dispute notice Additional Agencies Notified : Federal Trade Commission ( FTC ) Office of the Attorney General ( Florida ) State Department of Financial Regulation XXXX XXXX XXXX State Consumer Protection Office","date_sent_to_company":"2025-08-15T20:20:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"15308896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T20:14:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Complaint Summary : This is a formal complaint against XXXX, Equifax, and XXXX  for the continued reporting of a fraudulent charge-off account on my <em>credit</em> report violating <em>federal</em> and <em>state</em> laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) <em>State</em>-level consumer <em>protection</em> laws governing fraud, privacy, <em>credit</em> reporting, and deceptive business practices <em>Federal</em> Law Violations ( FCRA ) FCRA 605B ("],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.559544,"15308896"]},{"_index":"complaint-public-v1","_id":"15307479","_score":13.559544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : This is a formal complaint against XXXX, Equifax, and XXXX  for the continued reporting of a fraudulent charge-off account on my credit report violating federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Federal Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related data within four business days of receiving my valid FTC Identity Theft Report ( # XXXX ). \n\nFCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to promptly delete information found to be inaccurate or unverifiable.\n\nFCRA 607 ( b ) Failure to ensure maximum possible accuracy in reporting.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. \n\nState Law Violations In addition to federal violations, these actions also violate state consumer protection laws, which vary by jurisdiction but typically include : Unfair and Deceptive Acts or Practices ( UDAP ) laws under State Consumer Protection Statutes State Identity Theft Protection Acts that mandate proper response to identity theft claims and reporting responsibilities State Data Privacy Laws protecting against unauthorized use or disclosure of personal information Negligent and willful misrepresentation in the course of credit reporting Example ( Florida Residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Florida Identity Theft Act, which mirror federal protections but allow for private rights of action with statutory penalties and attorney fees. \n\nHarm Caused A significant drop in my credit score Denial of credit opportunities Financial strain and reputational damage Hours spent correcting unlawful reporting Emotional distress due to prolonged exposure to false data Continued exposure to inaccurate data despite filing a certified dispute package Remedies Requested I am demanding that the CFPB take immediate action to : Order permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account ( Partial Acct # : XXXX ) and any related inquiries. \n\nRequire written confirmation of removal and assurance against future reporting of this account without full compliance with FCRA and state laws. \n\nImpose penalties for failing to block/remove this account within the 4 business days required by FCRA 605B .\n\nAudit bureau charge-off and collection reporting procedures for broader FCRA compliance .\n\nRefer this matter to state authorities for prosecution of state law violations. \n\nSupporting Evidence FTC Identity Theft Report # XXXX Current credit report ( highlighting fraudulent entry ) Government-issued ID Proof of address USPS Certified Mail tracking Prior written dispute notice Additional Agencies Notified : Federal Trade Commission ( FTC ) Office of the Attorney General ( Florida ) State Department of Financial Regulation XXXX XXXX XXXX State Consumer Protection Office","date_sent_to_company":"2025-08-15T20:20:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"15307479","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T20:19:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Complaint Summary : This is a formal complaint against XXXX, Equifax, and XXXX  for the continued reporting of a fraudulent charge-off account on my <em>credit</em> report violating <em>federal</em> and <em>state</em> laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) <em>State</em>-level consumer <em>protection</em> laws governing fraud, privacy, <em>credit</em> reporting, and deceptive business practices <em>Federal</em> Law Violations ( FCRA ) FCRA 605B ("],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.559544,"15307479"]},{"_index":"complaint-public-v1","_id":"15322653","_score":13.557048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : This is a formal complaint against TransUnion for the continued reporting of a fraudulent charge-off account on my credit report violating federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Federal Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related data within four business days of receiving my valid FTC Identity Theft Report ( # XXXX ). \n\nFCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to promptly delete information found to be inaccurate or unverifiable.\n\nFCRA 607 ( b ) Failure to ensure maximum possible accuracy in reporting. \n\nFCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. \n\nState Law Violations In addition to federal violations, these actions also violate state consumer protection laws, which vary by jurisdiction but typically include : Unfair and Deceptive Acts or Practices ( UDAP ) laws under State Consumer Protection Statutes State Identity Theft Protection Acts that mandate proper response to identity theft claims and reporting responsibilities State Data Privacy Laws protecting against unauthorized use or disclosure of personal information Negligent and willful misrepresentation in the course of credit reporting Example ( Florida Residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Florida Identity Theft Act, which mirror federal protections but allow for private rights of action with statutory penalties and attorney fees.\n\nHarm Caused A significant drop in my credit score Denial of credit opportunities Financial strain and reputational damage Hours spent correcting unlawful reporting Emotional distress due to prolonged exposure to false data Continued exposure to inaccurate data despite filing a certified dispute package Remedies Requested I am demanding that the CFPB take immediate action to : Order permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account ( Partial Acct # : XXXX ) and any related inquiries. \n\nRequire written confirmation of removal and assurance against future reporting of this account without full compliance with FCRA and state laws. \n\nImpose penalties for failing to block/remove this account within the 4 business days required by FCRA 605B .\n\nAudit bureau charge-off and collection reporting procedures for broader FCRA compliance .\n\nRefer this matter to state authorities for prosecution of state law violations. \n\nSupporting Evidence FTC Identity Theft Report # XXXX Current credit report ( highlighting fraudulent entry ) Government-issued ID Proof of address USPS Certified Mail tracking Prior written dispute notice Additional Agencies Notified : Federal Trade Commission ( FTC ) Office of the Attorney General ( Florida ) State Department of Financial Regulation Better Business Bureau State Consumer Protection Office","date_sent_to_company":"2025-08-15T20:14:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"15322653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T20:13:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Complaint Summary : This is a formal complaint against TransUnion for the continued reporting of a fraudulent charge-off account on my <em>credit</em> report violating <em>federal</em> and <em>state</em> laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) <em>State</em>-level consumer <em>protection</em> laws governing fraud, privacy, <em>credit</em> reporting, and deceptive business practices <em>Federal</em> Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.557048,"15322653"]},{"_index":"complaint-public-v1","_id":"15178181","_score":13.552278,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally filing a complaint with NAVY FEDERAL data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. \n\nI have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.","date_sent_to_company":"2025-08-08T04:13:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33897","tags":null,"has_narrative":true,"complaint_id":"15178181","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-08T04:02:11.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally filing a complaint with NAVY <em>FEDERAL</em> data reported on my <em>credit</em> file. This information fails to meet <em>compliance</em> standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. \n\nI have identified potentially erroneous entries on my <em>credit</em> report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both <em>federal</em> and <em>state</em> consumer <em>protection</em> laws."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["NAVY <em>FEDERAL</em> <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.552278,"15178181"]},{"_index":"complaint-public-v1","_id":"12795959","_score":13.545105,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Ford Credit on XX/XX/2025 did in fact, unlawfully seized and repossession of XXXX  property of vehicle. XXXX XXXX where sent numerous of legally binding documents stating that the vehicle was recorded within XXXX XXXX XXXX stating it's trust ownership as well as copy of UCC 1 and UCC-3 Financing Statements stating it's inclusion within its Collateral Security. As well as 1099-C Cancellation of Debt stating that IRS Accepted and Discharged the Debt. There was no Notice of Repossession given nor received from Ford Credit .This Company has in fact commitment illegal Repossession of Trust property and Trespass against my UCC-1 thus they've commitment violations against State and Federal consumer protection laws as well as secured transactions laws under the Uniform Commercial Code and Federal Reserve Act Article 9 and 3, and has wilfully violated Consumer Fraud and Deceptive Trade Practices and Conversion. Ford Credit Co is in violation of the Federal Reserve Circular 10 Article 9 and Regulation CC. The Company is violation of IRS Regulations with regard to 1099-C Cancellation of Debt by non-compliance with its ruling of debt discharged. As well as in direct violation of XXXX  Consumer Protection Laws. Therefore I'm requesting that CFPB initiates a full regulatory Investigation into this violations of Consumer Protection laws and Consumer Credit Transaction violations of fraudulent and deceptive trade and financial practices. And Unlawful seizure of an Allodial Trust Property which makes unlawful for banks, financial institutions, Creditors and governments or any entities and businesses or corporations from seizure of trust property under Allodial laws.The Company knowingly seized Trust property that's has been secured under UCC-1 AND UCC-3 Financing Statements.","date_sent_to_company":"2025-04-03T15:51:06.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"39401","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"12795959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2025-04-03T14:30:26.000Z","state":"MS","company_public_response":null,"sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["Ford <em>Credit</em> Co is in violation of the <em>Federal</em> Reserve Circular 10 Article 9 and Regulation CC. The Company is violation of IRS Regulations with regard to 1099-C Cancellation of Debt by non-<em>compliance</em> with its ruling of debt discharged. As well as in direct violation of XXXX  Consumer <em>Protection</em> Laws."],"company":["FORD MOTOR <em>CREDIT</em> CO."]},"sort":[13.545105,"12795959"]},{"_index":"complaint-public-v1","_id":"15307478","_score":13.537332,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : This is a formal complaint against XXXX, Equifax, and XXXX  for the continued reporting of a fraudulent charge-off account on my credit report violating federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Federal Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related data within four business days of receiving my valid FTC Identity Theft Report ( # XXXX ). \n\nFCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to promptly delete information found to be inaccurate or unverifiable.\n\nFCRA 607 ( b ) Failure to ensure maximum possible accuracy in reporting.\n\nFCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. \n\nState Law Violations In addition to federal violations, these actions also violate state consumer protection laws, which vary by jurisdiction but typically include : Unfair and Deceptive Acts or Practices ( UDAP ) laws under State Consumer Protection Statutes State Identity Theft Protection Acts that mandate proper response to identity theft claims and reporting responsibilities State Data Privacy Laws protecting against unauthorized use or disclosure of personal information Negligent and willful misrepresentation in the course of credit reporting Example ( Florida Residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Florida Identity Theft Act, which mirror federal protections but allow for private rights of action with statutory penalties and attorney fees. \n\nHarm Caused A significant drop in my credit score Denial of credit opportunities Financial strain and reputational damage Hours spent correcting unlawful reporting Emotional distress due to prolonged exposure to false data Continued exposure to inaccurate data despite filing a certified dispute package Remedies Requested I am demanding that the CFPB take immediate action to : Order permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account ( Partial Acct # : XXXX ) and any related inquiries. \n\nRequire written confirmation of removal and assurance against future reporting of this account without full compliance with FCRA and state laws. \n\nImpose penalties for failing to block/remove this account within the 4 business days required by FCRA 605B .\n\nAudit bureau charge-off and collection reporting procedures for broader FCRA compliance .\n\nRefer this matter to state authorities for prosecution of state law violations. \n\nSupporting Evidence FTC Identity Theft Report # XXXX Current credit report ( highlighting fraudulent entry ) Government-issued ID Proof of address USPS Certified Mail tracking Prior written dispute notice Additional Agencies Notified : Federal Trade Commission ( FTC ) Office of the Attorney General ( Florida ) State Department of Financial Regulation XXXX XXXX XXXX State Consumer Protection Office","date_sent_to_company":"2025-08-15T20:20:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"15307478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T20:19:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Complaint Summary : This is a formal complaint against XXXX, Equifax, and XXXX  for the continued reporting of a fraudulent charge-off account on my <em>credit</em> report violating <em>federal</em> and <em>state</em> laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) <em>State</em>-level consumer <em>protection</em> laws governing fraud, privacy, <em>credit</em> reporting, and deceptive business practices <em>Federal</em> Law Violations ( FCRA ) FCRA 605B ("],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.537332,"15307478"]},{"_index":"complaint-public-v1","_id":"13196755","_score":13.502181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX, hereby submit this formal written notice and declaration under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and all applicable federal and state consumer protection laws. \nI am demanding immediate action to ensure that only current, complete, accurate, verifiable, and true information remains on my credit file. \n\nAny and all information that is incorrect, incomplete, unverifiable, outdated, misleading, or misreported must be promptly deleted. I DO NOT AUTHORIZE you to report or retain any information that does not fully meet the standards of truth, accuracy, timeliness, completeness, ownership, responsibility, and compliance with XXXX XXXX data formatting standards. \n\nYou are obligated under federal law to ensure the maximum possible accuracy of my credit information. Failure to do so is a violation of the FCRA, the Credit Reporting Settlement Agreement ( CRSA ), and XXXX XXXX compliance obligations.","date_sent_to_company":"2025-04-26T09:36:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62901","tags":null,"has_narrative":true,"complaint_id":"13196755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-26T09:35:45.000Z","state":"IL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I, XXXX XXXX XXXX, hereby submit this formal written notice and declaration under the Fair <em>Credit</em> Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and all applicable <em>federal</em> and <em>state</em> consumer <em>protection</em> laws. \nI am demanding immediate action to ensure that only current, complete, accurate, verifiable, and true information remains on my <em>credit</em> file. \n\nAny and all information that is incorrect, incomplete, unverifiable, outdated, misleading, or misreported must be promptly deleted."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.502181,"13196755"]},{"_index":"complaint-public-v1","_id":"2937958","_score":13.458334,"_source":{"product":"Debt collection","complaint_what_happened":"This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$670.00}.\n\nBy not replying in a timely manner to my initial letter on XX/XX/2018, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.\n\nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting.\n\nI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.","date_sent_to_company":"2018-06-16T07:04:15.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"96706","tags":null,"has_narrative":true,"complaint_id":"2937958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC","date_received":"2018-06-16T06:27:06.000Z","state":"HI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial <em>Protection</em> Bureau and the Attorney General 's office, should you continue in your non- <em>compliance</em> of <em>federal</em> laws under the Fair Debt Collection Practices Act, the Fair <em>Credit</em> Reporting Act, and the corresponding local <em>state</em> laws. I further remind you that you may be liable for your willful non-<em>compliance</em>."]},"sort":[13.458334,"2937958"]},{"_index":"complaint-public-v1","_id":"6651450","_score":13.422467,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to dispute the debt collection efforts by Applied Business Services , Inc. for an alleged debt that I do not owe. Furthermore, I have learned that this collection agency is not licensed to operate in the state of Florida, which raises serious concerns about their compliance with state and federal laws. \n\n\n\nDespite my repeated requests for information and validation of the alleged debt, Applied Business Services , Inc. has failed to provide me with any evidence or documentation to support their claims. Furthermore, I have recently discovered that this collection agency does not hold a license to operate in the state of Florida, which is a violation of state law. \n\n\n\nI have also been contacted by XXXX XXXX XXXX XXXX, who claims that I owe a debt for services rendered. However, XXXX XXXX XXXX XXXX has been unable to provide me with any documentation or evidence to support this claim, other than a digital copy of my signature. I do not recall signing any agreement or contract with XXXX XXXX XXXX XXXX, nor do I have any record of receiving the services for which they claim I owe a debt. Furthermore, I believe that it is highly irregular and questionable that Applied Business Services , Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, who can not provide any documentation or evidence of the debt other than a digital copy of my signature. \n\n\n\nAs a consumer, I have the right to request validation of any alleged debt and to receive accurate information about the party attempting to collect it. I am deeply concerned that Applied Business Services , Inc. and XXXX XXXX XXXX XXXX are engaging in questionable practices, and I believe that this raises serious questions about their business practices and their compliance with state and federal laws. \n\n\n\nI am requesting that the Consumer Financial Protection Bureau investigate Applied Business Services , Inc. 's debt collection practices and take appropriate action to ensure that they are operating in compliance with state and federal laws. Additionally, I request that the negative items be removed from my credit report immediately. \n\n\n\nThank you for your attention to this matter. Please contact me if you require any further information or documentation. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-05T16:49:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32218","tags":null,"has_narrative":true,"complaint_id":"6651450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Applied Business Services, Inc.","date_received":"2023-03-05T16:47:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear Consumer Financial <em>Protection</em> Bureau, I am writing to dispute the debt collection efforts by Applied Business Services , Inc. for an alleged debt that I do not owe. Furthermore, I have learned that this collection agency is not licensed to operate in the <em>state</em> of Florida, which raises serious concerns about their <em>compliance</em> with <em>state</em> and <em>federal</em> laws."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.422467,"6651450"]},{"_index":"complaint-public-v1","_id":"8025196","_score":13.414414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Call for Immediate Action : If USAA <em>Federal</em> Savings Bank fails to provide evidence of <em>compliance</em> and does not correct these inaccuracies, I have <em>stated</em> my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my <em>credit</em> report by USAA <em>Federal</em> Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.414414,"8025196"]},{"_index":"complaint-public-v1","_id":"11861859","_score":13.4010105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally filing a complaint with SOUTHWEST RECOVERY regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. \n\nI have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used. \n\nI expect immediate action to address this issue and ensure compliance with the law.","date_sent_to_company":"2025-01-30T09:01:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"11861859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Recovery Services, Inc.","date_received":"2025-01-30T08:57:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally filing a complaint with SOUTHWEST RECOVERY regarding inaccurate data reported on my <em>credit</em> file. This information fails to meet <em>compliance</em> standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. \n\nI have identified potentially erroneous entries on my <em>credit</em> report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both <em>federal</em> and <em>state</em> consumer <em>protection</em> laws."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.4010105,"11861859"]},{"_index":"complaint-public-v1","_id":"10222274","_score":13.348973,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SELFINC/LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection.\n\nIt has unequivocally come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 )\ncriminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.\n\nI assert with unwavering certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. \n\nI demand that SELFINC/LEAD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud.\n\nObtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that SELFINC/LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-09-23T14:17:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"10222274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-09-23T14:13:20.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>state</em> law. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and <em>state</em> regulations, protecting consumers like myself from unauthorized and damaging <em>credit</em> reporting."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.348973,"10222274"]},{"_index":"complaint-public-v1","_id":"10221393","_score":13.348973,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear SBNASELFLNDR, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  state laws pertaining to identity theft and consumer protection. \n\nIt has unequivocally come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the XXXX XXXX XXXX XXXX ( XXXX XXXX ), which addresses unfair and deceptive business practices. \n\nI assert with unwavering certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. \n\nI demand that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXXXXXX XXXX XXXX XXXX. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including XXXX statutes on identity theft and consumer fraud. \n\nObtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that SBNASELFLNDR will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-09-23T14:44:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"10221393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-09-23T14:40:29.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>state</em> law. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and <em>state</em> regulations, protecting consumers like myself from unauthorized and damaging <em>credit</em> reporting."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.348973,"10221393"]},{"_index":"complaint-public-v1","_id":"10220329","_score":13.348973,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection. \n\nIt has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).\n\nIn addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( XXXX XXXX ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( XXXX XXXX ), which addresses unfair and deceptive business practices. \n\nI assert with unwavering certainty that I have not provided consent for ATLCAPBKSELF to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. \n\nI demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. \n\nObtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. \n\nI anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. \n\nDone in good faith.","date_sent_to_company":"2024-09-25T11:40:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"10220329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-09-23T14:26:10.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri <em>state</em> law. This is not a negotiation ; it is a demand for <em>compliance</em> with both <em>federal</em> and <em>state</em> regulations, protecting consumers like myself from unauthorized and damaging <em>credit</em> reporting. \n\nI anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under <em>federal</em> and <em>state</em> laws."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.348973,"10220329"]},{"_index":"complaint-public-v1","_id":"8595376","_score":13.341836,"_source":{"product":"Credit card","complaint_what_happened":"Upon receiving your correspondence dated XX/XX/2024, I noted the mention of a delinquent credit obligation ( s ) on my credit bureau report as a contributing factor to the denial of my request for credit. While I appreciate the transparency provided regarding the basis for the denial, I seek further clarification on several fronts to ensure that all relevant legal provisions have been adhered to. Under federal law, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), creditors are mandated to adhere to strict guidelines concerning fair lending practices, non-discrimination, and the provision of specific reasons for adverse actions on credit applications. Additionally, regulations such as 15 USC 1691c and 15 USC XXXXXXXX provide further protections to consumers, including the right to be informed of adverse actions based on information obtained from consumer reports. As a consumer residing in Pennsylvania, I am also afforded protections under state law, including the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ). It is imperative that any denial of credit application be in full compliance with both federal and state credit laws.","date_sent_to_company":"2024-03-21T14:38:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"8595376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-03-21T14:22:49.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Additionally, regulations such as 15 USC 1691c and 15 USC XXXXXXXX provide further <em>protections</em> to consumers, including the right to be informed of adverse actions based on information obtained from consumer reports. As a consumer residing in Pennsylvania, I am also afforded <em>protections</em> under <em>state</em> law, including the Pennsylvania Fair <em>Credit</em> Extension Uniformity Act ( PFCEUA ). It is imperative that any denial of <em>credit</em> application be in full <em>compliance</em> with both <em>federal</em> and <em>state</em> <em>credit</em> laws."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.341836,"8595376"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11983,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11983}]}},"product":{"doc_count":11983,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":8469,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8401},{"key":"Other personal consumer report","doc_count":68}]}},{"key":"Debt collection","doc_count":1651,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":721},{"key":"Credit card debt","doc_count":444},{"key":"Other debt","doc_count":145},{"key":"Medical debt","doc_count":85},{"key":"Auto debt","doc_count":77},{"key":"Telecommunications debt","doc_count":68},{"key":"Rental debt","doc_count":52},{"key":"Mortgage debt","doc_count":17},{"key":"Payday loan debt","doc_count":14},{"key":"Federal student loan debt","doc_count":13},{"key":"Private student loan debt","doc_count":11},{"key":"Credit card","doc_count":2},{"key":"Medical","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":988,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":980},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Credit card","doc_count":240,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":220},{"key":"Store credit card","doc_count":20}]}},{"key":"Checking or savings account","doc_count":158,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":130},{"key":"Other banking product or service","doc_count":19},{"key":"Savings account","doc_count":9}]}},{"key":"Vehicle loan or lease","doc_count":148,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":140},{"key":"Lease","doc_count":8}]}},{"key":"Mortgage","doc_count":118,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":52},{"key":"FHA mortgage","doc_count":23},{"key":"VA mortgage","doc_count":23},{"key":"Home equity loan or line of credit (HELOC)","doc_count":10},{"key":"Other type of mortgage","doc_count":6},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Manufactured home loan","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":43},{"key":"Private student loan","doc_count":14},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":23},{"key":"Personal line of credit","doc_count":10},{"key":"Payday loan","doc_count":8},{"key":"Title loan","doc_count":4},{"key":"Other advances of future income","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":36,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":18},{"key":"Domestic (US) money transfer","doc_count":8},{"key":"Virtual currency","doc_count":4},{"key":"International money transfer","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":2},{"key":"Check cashing service","doc_count":1},{"key":"Debt settlement","doc_count":1}]}},{"key":"Debt or credit management","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":13},{"key":"Credit repair services","doc_count":10},{"key":"Mortgage modification or foreclosure avoidance","doc_count":2},{"key":"Student loan debt relief","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":16},{"key":"Store credit card","doc_count":2},{"key":"General-purpose prepaid card","doc_count":1}]}},{"key":"Credit reporting","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Prepaid card","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":6},{"key":"Government benefit card","doc_count":3},{"key":"Payroll card","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":3},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle lease","doc_count":1}]}}]}},"issue":{"doc_count":11983,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4152,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2858},{"key":"Account information incorrect","doc_count":553},{"key":"Account status incorrect","doc_count":365},{"key":"Public record information inaccurate","doc_count":161},{"key":"Personal information incorrect","doc_count":137},{"key":"Old information reappears or never goes away","doc_count":44},{"key":"Information is missing that should be on the report","doc_count":25},{"key":"Information is incorrect","doc_count":7},{"key":"Information that should be on the report is missing","doc_count":2}]}},{"key":"Improper use of your report","doc_count":2483,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2218},{"key":"Credit inquiries on your report that you don't recognize","doc_count":227},{"key":"Report provided to employer without your written authorization","doc_count":36},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2373,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1983},{"key":"Investigation took more than 30 days","doc_count":200},{"key":"Was not notified of investigation status or results","doc_count":87},{"key":"Problem with personal statement of dispute","doc_count":62},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":41}]}},{"key":"Attempts to collect debt not owed","doc_count":659,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":454},{"key":"Debt was result of identity theft","doc_count":150},{"key":"Debt was paid","doc_count":41},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":14}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":408,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":272},{"key":"Investigation took more than 30 days","doc_count":97},{"key":"Was not notified of investigation status or results","doc_count":22},{"key":"Problem with personal statement of dispute","doc_count":11},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":6}]}},{"key":"Written notification about debt","doc_count":405,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":259},{"key":"Didn't receive notice of right to dispute","doc_count":143},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":3}]}},{"key":"False statements or representation","doc_count":367,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":346},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":9},{"key":"Indicated you were committing crime by not paying debt","doc_count":6},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":6}]}},{"key":"Took or threatened to take negative or legal action","doc_count":126,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":72},{"key":"Sued you without properly notifying you of lawsuit","doc_count":20},{"key":"Threatened to sue you for very old debt","doc_count":11},{"key":"Seized or attempted to seize your property","doc_count":8},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":8},{"key":"Collected or attempted to collect exempt funds","doc_count":6},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Managing an account","doc_count":91,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":28},{"key":"Deposits and withdrawals","doc_count":26},{"key":"Funds not handled or disbursed as instructed","doc_count":16},{"key":"Banking errors","doc_count":11},{"key":"Problem accessing account","doc_count":5},{"key":"Fee problem","doc_count":3},{"key":"Cashing a check","doc_count":1},{"key":"Problem making or receiving payments","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":65,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":49},{"key":"Card was charged for something you did not purchase with the card","doc_count":15},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Getting a credit card","doc_count":59,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":34},{"key":"Card opened without my consent or knowledge","doc_count":21},{"key":"Sent card you never applied for","doc_count":2},{"key":"Card opened as result of identity theft or fraud","doc_count":1},{"key":"Delay in processing application","doc_count":1}]}},{"key":"Repossession","doc_count":50,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":14},{"key":"Company explaining amount owed","doc_count":8},{"key":"Lender trying to repossess or disable the vehicle","doc_count":7},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":5},{"key":"Deficiency balance after repossession","doc_count":5},{"key":"Account reinstatement or redemption after repossession","doc_count":4},{"key":"Notice to repossess","doc_count":3},{"key":"Company communicating payment assistance or payment extension options","doc_count":2},{"key":"Voluntary repossession","doc_count":2}]}},{"key":"Communication tactics","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":22},{"key":"Frequent or repeated calls","doc_count":10},{"key":"Called before 8am or after 9pm","doc_count":6},{"key":"Used obscene, profane, or other abusive language","doc_count":5}]}},{"key":"Trouble during payment process","doc_count":38,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":9},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":7},{"key":"Lien release","doc_count":2},{"key":"Paying off the loan","doc_count":2},{"key":"Escrow, taxes, or insurance","doc_count":1},{"key":"Fees charged","doc_count":1},{"key":"Interest rate","doc_count":1},{"key":"Loan sold or transferred to another company","doc_count":1},{"key":"Private mortgage insurance (PMI)","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":37,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":16},{"key":"Problem with additional products or services purchased with the loan","doc_count":8},{"key":"Problem with fees charged","doc_count":6},{"key":"Loan sold or transferred to another company","doc_count":5},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":36,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":9},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":9},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":4},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":33},{"key":"Problem getting your free annual credit report","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":12},{"key":"Didn't receive services that were advertised","doc_count":11},{"key":"Billing dispute for services","doc_count":9},{"key":"Problem with product or service terms changing","doc_count":2}]}},{"key":"Closing your account","doc_count":30,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":30}]}},{"key":"Dealing with your lender or servicer","doc_count":30,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":15},{"key":"Problem with customer service","doc_count":6},{"key":"Don't agree with the fees charged","doc_count":4},{"key":"Trouble with how payments are being handled","doc_count":4},{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":11},{"key":"Loan opened without my consent or knowledge","doc_count":4},{"key":"Changes in terms mid-deal or after closing","doc_count":3},{"key":"Fraudulent loan","doc_count":3},{"key":"High-pressure sales tactics","doc_count":3},{"key":"Confusing or misleading advertising or marketing","doc_count":2},{"key":"Problem with signing the paperwork","doc_count":2},{"key":"Did not receive car title","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":16},{"key":"Contacted you after you asked them to stop","doc_count":9},{"key":"Contacted you instead of your attorney","doc_count":3}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":12},{"key":"Privacy issues","doc_count":8},{"key":"Credit card company forcing arbitration","doc_count":2},{"key":"Problem with customer service","doc_count":2},{"key":"Problem with cash advances","doc_count":1}]}},{"key":"Opening an account","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":17},{"key":"Account opened without my consent or knowledge","doc_count":4},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":15},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2},{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":8},{"key":"Changes in loan terms during or after closing","doc_count":1}]}},{"key":"Fees or interest","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":11},{"key":"Charged too much interest","doc_count":6},{"key":"Unexpected increase in interest rate","doc_count":3}]}},{"key":"Problem with a lender or other company charging your account","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":17},{"key":"Can't stop withdrawals from your account","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denials","doc_count":4},{"key":"Confusing or misleading advertising or marketing","doc_count":3},{"key":"Loan estimate or other related disclosures","doc_count":2},{"key":"Negative impact of inaccurate appraisal","doc_count":2},{"key":"Changes in loan terms during the application process","doc_count":1},{"key":"Fees or costs during the application process","doc_count":1},{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":1}]}},{"key":"Electronic communications","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":9},{"key":"You told them to stop contacting you, but they keep trying","doc_count":9}]}},{"key":"Closing an account","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":9},{"key":"Funds not received from closed account","doc_count":6},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Getting the loan","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":10}]}},{"key":"Problems at the end of the loan or lease","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":7},{"key":"Problem with paying off the loan","doc_count":4},{"key":"Problem while selling or giving up the vehicle","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":3},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":2}]}},{"key":"Struggling to repay your loan","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":8},{"key":"Can't temporarily delay making payments","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":6},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":3}]}},{"key":"Other transaction problem","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":4},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":4}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":6},{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":5},{"key":"Late or other fees","doc_count":2}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a line of credit","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Cont'd attempts collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":3},{"key":"Debt was paid","doc_count":2}]}},{"key":"Credit reporting company's investigation","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with statement of dispute","doc_count":3},{"key":"No notice of investigation status/result","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account terms","doc_count":3},{"key":"Account status","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":3}]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper use of my credit report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":2}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about my loan","doc_count":1}]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied loan","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":1}]}}]}},"timely":{"doc_count":11983,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":11870},{"key":"No","doc_count":113}]}},"company_response":{"doc_count":11983,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7627},{"key":"Closed with non-monetary relief","doc_count":4274},{"key":"Closed with monetary relief","doc_count":42},{"key":"Untimely response","doc_count":40}]}},"submitted_via":{"doc_count":11983,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":11983}]}},"company":{"doc_count":11983,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2822},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2794},{"key":"Experian Information Solutions Inc.","doc_count":2570},{"key":"Resurgent Capital Services L.P.","doc_count":204},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":155},{"key":"LEXISNEXIS","doc_count":128},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":114},{"key":"Portfolio Recovery Associates, LLC","doc_count":109},{"key":"WELLS FARGO & COMPANY","doc_count":91},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":90},{"key":"JPMORGAN CHASE & CO.","doc_count":75},{"key":"DISCOVER BANK","doc_count":74},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":73},{"key":"AMERICAN EXPRESS COMPANY","doc_count":67},{"key":"CITIBANK, N.A.","doc_count":66},{"key":"CL Holdings LLC","doc_count":65},{"key":"SYNCHRONY FINANCIAL","doc_count":64},{"key":"CBC Companies, Inc.","doc_count":58},{"key":"Bread Financial Holdings, Inc.","doc_count":51},{"key":"CCS Financial Services, Inc.","doc_count":50},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":39},{"key":"Early Warning Services, LLC","doc_count":37},{"key":"Nelnet, Inc.","doc_count":37},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":36},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":31},{"key":"Bridgecrest Acceptance Corporation","doc_count":30},{"key":"Self Financial Inc.","doc_count":30},{"key":"ALLY FINANCIAL INC.","doc_count":29},{"key":"TD BANK US HOLDING COMPANY","doc_count":29},{"key":"GOLDMAN SACHS BANK USA","doc_count":27},{"key":"National Credit Systems,Inc.","doc_count":27},{"key":"TRANSWORLD SYSTEMS INC","doc_count":27},{"key":"Affirm Holdings, Inc","doc_count":26},{"key":"I.C. System, Inc.","doc_count":26},{"key":"Spring Oaks Capital, LLC","doc_count":26},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":25},{"key":"BARCLAYS BANK DELAWARE","doc_count":24},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":23},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":21},{"key":"Credit Control, LLC","doc_count":20},{"key":"Kikoff Inc.","doc_count":20},{"key":"MOHELA","doc_count":20},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":20},{"key":"Shellpoint Partners, LLC","doc_count":20},{"key":"Exeter Finance, LLC.","doc_count":19},{"key":"Kriya Capital, LLC","doc_count":19},{"key":"OneMain Finance Corporation","doc_count":19},{"key":"Absolute Resolutions Corp.","doc_count":18},{"key":"Radius Global Solutions LLC","doc_count":18},{"key":"U.S. BANCORP","doc_count":17},{"key":"Upstart Holdings, Inc.","doc_count":17},{"key":"Westlake Services, LLC","doc_count":17},{"key":"Block, Inc.","doc_count":15},{"key":"General Motors Financial Company, Inc.","doc_count":14},{"key":"Harris & Harris, Ltd.","doc_count":14},{"key":"ID Analytics, Inc.","doc_count":14},{"key":"W&A Intermediate Co., LLC","doc_count":14},{"key":"CLGF Holdco 1, LLC","doc_count":13},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":13},{"key":"NCB Management Services Inc.","doc_count":13},{"key":"PNC Bank N.A.","doc_count":13},{"key":"Southwest Credit Systems, L.P.","doc_count":13},{"key":"Halsted Financial Services, LLC.","doc_count":12},{"key":"Sequium Asset Solutions, LLC","doc_count":12},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":12},{"key":"World Acceptance Corporation","doc_count":12},{"key":"AES/PHEAA","doc_count":11},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":11},{"key":"Chime Financial Inc","doc_count":11},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":11},{"key":"Maximus Federal Services, Inc.","doc_count":11},{"key":"Navient Solutions, LLC.","doc_count":11},{"key":"Opportunity Financial, LLC","doc_count":11},{"key":"Paypal Holdings, Inc","doc_count":11},{"key":"ProCollect, Inc.","doc_count":11},{"key":"Source Receivables Management LLC","doc_count":11},{"key":"Credit Corp Solutions Inc.","doc_count":10},{"key":"EdFinancial Services","doc_count":10},{"key":"FC HoldCo LLC","doc_count":10},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":10},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":10},{"key":"T.S. Holdings","doc_count":10},{"key":"Zions Debt Holdings","doc_count":10},{"key":"American Credit Acceptance, LLC","doc_count":9},{"key":"Amsher Collection Services, Inc.","doc_count":9},{"key":"National Credit Adjusters, LLC","doc_count":9},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":9},{"key":"Velocity Portfolio Group","doc_count":9},{"key":"Global Lending Services LLC","doc_count":8},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":8},{"key":"Mr. Cooper Group Inc.","doc_count":8},{"key":"ONLINE Information Services, Inc.","doc_count":8},{"key":"Possible Financial Inc","doc_count":8},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":8},{"key":"RentDebt Automated Collections, LLC","doc_count":8},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":8},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":8},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":8},{"key":"UPGRADE, INC.","doc_count":8},{"key":"ACIMA CREDIT, LLC","doc_count":7},{"key":"Aldous & Associates, PLLC","doc_count":7},{"key":"Bounce AI, Inc.","doc_count":7},{"key":"Capio Partners, LLC","doc_count":7},{"key":"Continental Finance Company, LLC","doc_count":7},{"key":"FORD MOTOR CREDIT CO.","doc_count":7},{"key":"HW Holding, Inc","doc_count":7},{"key":"Ocwen Financial Corporation","doc_count":7},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":7},{"key":"RAS LaVrar, LLC","doc_count":7},{"key":"Servicer under contract with Federal Student Aid","doc_count":7},{"key":"The CBE Group, Inc.","doc_count":7},{"key":"TrueAccord Corp.","doc_count":7},{"key":"United PanAm Financial Corp.","doc_count":7},{"key":"Aargon Agency, Inc.","doc_count":6},{"key":"Ability Recovery Services, LLC","doc_count":6},{"key":"BMW Financial Services NA, LLC","doc_count":6},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":6},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":6},{"key":"Receivables Management Partners, LLC","doc_count":6},{"key":"V and H Portfolio","doc_count":6},{"key":"VW Credit","doc_count":6},{"key":"BTH Management","doc_count":5},{"key":"CCF Intermediate Holdings LLC","doc_count":5},{"key":"CORELOGIC INC","doc_count":5},{"key":"Central Portfolio Control Inc.","doc_count":5},{"key":"Consumer Portfolio Services, Inc.","doc_count":5},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":5},{"key":"Convergent Resources, Inc.","doc_count":5},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":5},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":5},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":5},{"key":"Freedom Mortgage Company","doc_count":5},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":5},{"key":"LJ Ross Associates","doc_count":5},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":5},{"key":"MARINER FINANCE, LLC","doc_count":5},{"key":"Mercedes Benz Financial Services","doc_count":5},{"key":"Monterey Financial Services LLC","doc_count":5},{"key":"Oliphant United, Inc.","doc_count":5},{"key":"Security Credit Services, LLC","doc_count":5},{"key":"ZWICKER & ASSOCIATES","doc_count":5},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":4},{"key":"Army and Air Force Exchange Service","doc_count":4},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":4},{"key":"CarMax, Inc.","doc_count":4},{"key":"Carvana Group, LLC","doc_count":4},{"key":"Collection Management Holdings, LLC","doc_count":4},{"key":"Colony Brands, Inc.","doc_count":4},{"key":"Concord Servicing Corporation","doc_count":4},{"key":"Consumer Adjustment Company Incorporated","doc_count":4},{"key":"Credit Karma, LLC","doc_count":4},{"key":"Diversified Consultants, Inc.","doc_count":4},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":4},{"key":"FirstPoint Collection Resources","doc_count":4},{"key":"KEYCORP","doc_count":4},{"key":"LCI Acquisition Inc.","doc_count":4},{"key":"ROBINHOOD MARKETS INC.","doc_count":4},{"key":"SLM CORPORATION","doc_count":4},{"key":"Southwest Recovery Services, Inc.","doc_count":4},{"key":"Synovus Bank","doc_count":4},{"key":"Thaxton Investment Corporation","doc_count":4},{"key":"United Revenue Corporation","doc_count":4},{"key":"1st Franklin Financial Corporation","doc_count":3},{"key":"Advanced Resolution Services Inc.","doc_count":3},{"key":"Aldridge PIte Haan, LLP","doc_count":3},{"key":"American First Finance, Inc.","doc_count":3},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":3},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":3},{"key":"Client Services, Inc.","doc_count":3},{"key":"Commonwealth Financial Systems, Inc.","doc_count":3},{"key":"Creditors Bureau Associates","doc_count":3},{"key":"Diversified Adjustment Service, Inc.","doc_count":3},{"key":"ERC","doc_count":3},{"key":"FISERV FINXACT CORE","doc_count":3},{"key":"First Federal Credit Control, Inc.","doc_count":3},{"key":"Firstsource Business Process Services, LLC","doc_count":3},{"key":"GFS II, LLC","doc_count":3},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":3},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":3},{"key":"Innovis","doc_count":3},{"key":"International Computer Systems, Inc.","doc_count":3},{"key":"LD Holdings Group, LLC","doc_count":3},{"key":"Lendmark Financial Services","doc_count":3},{"key":"Lentegrity Management, LLC","doc_count":3},{"key":"MIDFIRST BANK","doc_count":3},{"key":"Marlette Funding, LLC","doc_count":3},{"key":"Medical-Commercial Audit Inc","doc_count":3},{"key":"Merchants' Credit Guide Company","doc_count":3},{"key":"MoneyLion Inc.","doc_count":3},{"key":"Mountain Run Solutions, LLC","doc_count":3},{"key":"Netspend Corporation","doc_count":3},{"key":"OUT TECH, INC.","doc_count":3},{"key":"Prince Parker & Associates","doc_count":3},{"key":"Rocket Mortgage, LLC","doc_count":3},{"key":"SECURITY FINANCE CORP","doc_count":3},{"key":"STERLING JEWELERS, INC.","doc_count":3},{"key":"Santander Consumer USA Holdings Inc.","doc_count":3},{"key":"Simon's Agency, Inc.","doc_count":3},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":3},{"key":"Stellantis Financial Services US Corp.","doc_count":3},{"key":"The Receivable Management Services LLC","doc_count":3},{"key":"Tower Loan of Mississippi, Inc.","doc_count":3},{"key":"United Collection Bureau, Inc.","doc_count":3},{"key":"VYSTAR CREDIT UNION","doc_count":3},{"key":"Waypoint Resource Group, LLC","doc_count":3},{"key":"Weltman, Weinberg & Reis Co., L.P.A.","doc_count":3},{"key":"ALLIANT CREDIT UNION","doc_count":2},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":2},{"key":"AR Resources, Inc.","doc_count":2},{"key":"ARS National Services, Inc.","doc_count":2},{"key":"ATG Credit, LLC","doc_count":2},{"key":"Access Receivables of NC Inc.","doc_count":2},{"key":"Advantage Credit, Inc.","doc_count":2},{"key":"Alorica Inc.","doc_count":2},{"key":"AmeriCollect","doc_count":2},{"key":"Apelles, LLC","doc_count":2},{"key":"Applied Data Finance, LLC","doc_count":2},{"key":"Auto Trakk, LLC","doc_count":2},{"key":"Ava Finance, Inc","doc_count":2},{"key":"Avant Holding Company, Inc.","doc_count":2},{"key":"BCI FINANCIAL GROUP, INC.","doc_count":2},{"key":"Bepensa Capital, Inc.","doc_count":2},{"key":"Blitt and Gaines, P.C.","doc_count":2},{"key":"Braviant Holdings, LLC","doc_count":2},{"key":"Bridge IT, Inc.","doc_count":2},{"key":"Bull City Financial Solutions, Inc","doc_count":2},{"key":"Byrider Franchising, LLC","doc_count":2},{"key":"CNG FINANCIAL CORPORATION","doc_count":2},{"key":"Capital Credit and Collection Service, Inc.","doc_count":2},{"key":"Capital Management Services, LP","doc_count":2},{"key":"Cascade CISS Holdings, LLC","doc_count":2},{"key":"Checkr, Inc","doc_count":2},{"key":"Clark County Collection Service","doc_count":2},{"key":"Coinbase, Inc.","doc_count":2},{"key":"Commercial Acceptance Company","doc_count":2},{"key":"Credit Bureau Systems, Inc., Paducah, KY Branch","doc_count":2},{"key":"Credit International Corporation","doc_count":2},{"key":"DataMax Corporation","doc_count":2},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":2},{"key":"Duvera Billing Services, LLC","doc_count":2},{"key":"Entrata Inc.","doc_count":2},{"key":"Express Collections, Inc.","doc_count":2},{"key":"FIRST MERCHANTS CORPORATION","doc_count":2},{"key":"FactorTrust, Inc.","doc_count":2},{"key":"Fay Servicing, LLC","doc_count":2},{"key":"FinCo Services Inc DBA Current","doc_count":2},{"key":"Franklin Collection Service, Inc.","doc_count":2},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":2},{"key":"GREENSKY OPERATIONS, LLC","doc_count":2},{"key":"GUARANTEED RATE INC.","doc_count":2},{"key":"Grow Credit Inc","doc_count":2},{"key":"Gurstel Law Firm, P.C.","doc_count":2},{"key":"HANCOCK WHITNEY BANK","doc_count":2},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":2},{"key":"Happy Money, Inc.","doc_count":2},{"key":"Harley Davidson Financial Services Inc","doc_count":2},{"key":"Herbert P. Sears Co., Inc.","doc_count":2},{"key":"InDebted Corporation","doc_count":2},{"key":"Johnson Mark LLC","doc_count":2},{"key":"Key 2 Recovery, Inc.","doc_count":2},{"key":"LANIER COLLECTIONS AGENCY AND SERVICES INC","doc_count":2},{"key":"LDF Holdings, LLC","doc_count":2},{"key":"Larry H. Miller Group of Companies","doc_count":2},{"key":"Law Office of Brett M. Borland, P.C.","doc_count":2},{"key":"LendingPoint Holdings LLC","doc_count":2},{"key":"Linebarger Goggan Blair & Sampson LLP","doc_count":2},{"key":"Lloyd & McDaniel, PLC","doc_count":2},{"key":"LoanCare, LLC","doc_count":2},{"key":"Lyons, Doughty & Veldhuis, PC","doc_count":2},{"key":"M&T BANK CORPORATION","doc_count":2},{"key":"MRS BPO, LLC","doc_count":2},{"key":"McCalla Raymer Leibert Pierce, LLC","doc_count":2},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":2},{"key":"Mercury Financial Intermediate LLC","doc_count":2},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":2},{"key":"NRA Group, LLC","doc_count":2},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":2},{"key":"National Enterprise Systems, Inc.","doc_count":2},{"key":"North American Credit Services","doc_count":2},{"key":"One Source Technology","doc_count":2},{"key":"Open Dealer Exchange, LLC","doc_count":2},{"key":"Optio Solutions, LLC","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":2},{"key":"Paramount GR Holdings, LLC","doc_count":2},{"key":"PatientFi, Inc.","doc_count":2},{"key":"Penn Credit Corporation","doc_count":2},{"key":"Pollack & Rosen, P.A.","doc_count":2},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":2},{"key":"Profit Services Group","doc_count":2},{"key":"Prosper Marketplace, Inc.","doc_count":2},{"key":"Rausch Sturm LLP","doc_count":2},{"key":"Rent Recovery Solutions","doc_count":2},{"key":"RockLoans Holdings LLC","doc_count":2},{"key":"SUNCOAST CREDIT UNION","doc_count":2},{"key":"Saturn Systems, Inc","doc_count":2},{"key":"Selene Holdings LLC","doc_count":2},{"key":"Sentry Credit, Inc.","doc_count":2},{"key":"Steel Lending Group LLC","doc_count":2},{"key":"TekCollect Inc.","doc_count":2},{"key":"The CMI Group, Inc.","doc_count":2},{"key":"VIRGINIA HOUSING DEVELOPMENT AUTHORITY","doc_count":2},{"key":"Veros Credit, LLC","doc_count":2},{"key":"Village Capital & Investment LLC","doc_count":2},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":2},{"key":"Zarzaur and Schwartz, PC","doc_count":2},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"2288984 Ontario Inc.","doc_count":1},{"key":"950 Credit Inc","doc_count":1},{"key":"A & O Recovery Solutions, LLC","doc_count":1},{"key":"AFNI INC.","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"AUSSRQ Holdings, LLC","doc_count":1},{"key":"AVANTE","doc_count":1},{"key":"Access Capital Services, Inc.","doc_count":1},{"key":"Access Credit Management, Inc.","doc_count":1},{"key":"Accurate Background","doc_count":1},{"key":"Adler Wallach & Associates, Inc.","doc_count":1},{"key":"Admin Recovery, LLC","doc_count":1},{"key":"Advantage One Credit, LLC","doc_count":1},{"key":"Aldridge Pite, LLP","doc_count":1},{"key":"American Coradius International LLC","doc_count":1},{"key":"American Credit Bureau, Inc.","doc_count":1},{"key":"American Financial Network Inc.","doc_count":1},{"key":"Americas Car-Mart, Inc.","doc_count":1},{"key":"Apothaker & Associates, PC","doc_count":1},{"key":"Applied Business Services, Inc.","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"AutoMoney, Inc.","doc_count":1},{"key":"BANCFIRST CORPORATION","doc_count":1},{"key":"BANK OF THE WEST","doc_count":1},{"key":"BBVA FINANCIAL CORPORATION","doc_count":1},{"key":"BCA Financial Services, Inc.","doc_count":1},{"key":"BLINCLOANS, INC.","doc_count":1},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":1},{"key":"BROKER SOLUTIONS, INC.","doc_count":1},{"key":"BSI Financial Holdings, Inc.","doc_count":1},{"key":"Backgrounds Online","doc_count":1},{"key":"Bernhardt and Strawser, P.A.","doc_count":1},{"key":"Bilt Technologies, Inc.","doc_count":1},{"key":"Bizcorp, LLC","doc_count":1},{"key":"Bliksum, LLC","doc_count":1},{"key":"BlueChip Financial","doc_count":1},{"key":"Branch Messenger, Inc.","doc_count":1},{"key":"Bright Side Loans, LLC","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"Business & Professional Collection Service Inc","doc_count":1},{"key":"Business Revenue Systems, Inc.","doc_count":1},{"key":"C/C Financial","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CARS Acquisition, LLC","doc_count":1},{"key":"CHN Housing Partners","doc_count":1},{"key":"CIG FINANCIAL LLC","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"COLLECTION PROFESSIONALS INC (Illinois)","doc_count":1},{"key":"COLLECTION SERVICES OF ATHENS, INC.","doc_count":1},{"key":"CONGRESS COLLECTION CORP","doc_count":1},{"key":"CRE Credit Services","doc_count":1},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":1},{"key":"CURO Intermediate Holdings","doc_count":1},{"key":"CUSTOMERS BANCORP, INC","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"California Business Bureau, Inc.","doc_count":1},{"key":"Caneel Capital, LLC","doc_count":1},{"key":"Cedars Business Services, LLC","doc_count":1},{"key":"Certegy Holdings, LLC","doc_count":1},{"key":"Certified Credit Reporting, Inc.","doc_count":1},{"key":"Citizens Savings & Loan Corporation, Chattanooga, TN Branch","doc_count":1},{"key":"Clasp Group, Inc.","doc_count":1},{"key":"Collection Bureau of America Ltd.","doc_count":1},{"key":"Collection Bureau of the Hudson Valley, Inc.","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"Concentric Receivables Management, Ltd.","doc_count":1},{"key":"Consumer Attorneys of America, P.A.","doc_count":1},{"key":"Consumer Financial Services Solutions, Inc.","doc_count":1},{"key":"Credit Card Acquisitions Group","doc_count":1},{"key":"Credit Central Holdings, LLC","doc_count":1},{"key":"Credit Fresh Holdings Inc","doc_count":1},{"key":"Credit Service Company, INC","doc_count":1},{"key":"Credit Service International Corp","doc_count":1},{"key":"Credits, Incorporated","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"D2 Management LLC","doc_count":1},{"key":"DEBT 0, INC","doc_count":1},{"key":"DELMAR FINANCIAL COMPANY","doc_count":1},{"key":"DIRECMANAGEMENT, INC.","doc_count":1},{"key":"Debt Co LLC","doc_count":1},{"key":"Debt Management Incorporated","doc_count":1},{"key":"Debt Recovery Solutions, LLC","doc_count":1},{"key":"Deinde Online Services, LLC","doc_count":1},{"key":"Denefits LLC","doc_count":1},{"key":"DigniFi","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"Diverse Funding Associates LLC","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"EA Holdings Corp.","doc_count":1},{"key":"ECMC GROUP, INC.","doc_count":1},{"key":"Eastern Revenue, Inc.","doc_count":1},{"key":"Exto Inc.","doc_count":1},{"key":"FCC Finance, LLC","doc_count":1},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":1},{"key":"FIRST FINANCIAL BANCORP","doc_count":1},{"key":"FIRST HORIZON BANK","doc_count":1},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":1},{"key":"FIRSTBANK","doc_count":1},{"key":"FMA Alliance, Ltd.","doc_count":1},{"key":"FMS Inc.","doc_count":1},{"key":"FULTON FINANCIAL CORPORATION","doc_count":1},{"key":"Faloni Law Group","doc_count":1},{"key":"Federal Adjustment Bureau, Inc.","doc_count":1},{"key":"Finance System of Richmond, Inc.","doc_count":1},{"key":"Financial Accounts Service Team Inc.","doc_count":1},{"key":"Financial Assistance Inc","doc_count":1},{"key":"Financial Recovery Services, Inc.","doc_count":1},{"key":"First Credit Services Inc.","doc_count":1},{"key":"First National Collection Bureau, Inc.","doc_count":1},{"key":"First Technology Federal Credit Union","doc_count":1},{"key":"FirstKey Holdings, LLC","doc_count":1},{"key":"Flagstar Bank, N.A.","doc_count":1},{"key":"Foris DAX, Inc.","doc_count":1},{"key":"FourLeaf Federal Credit Union","doc_count":1},{"key":"Foursight Holding LLC","doc_count":1},{"key":"Fradkin & Weber PA","doc_count":1},{"key":"Frontline Asset Strategies, LLC","doc_count":1},{"key":"GATEWAY FIRST BANK","doc_count":1},{"key":"GLA Collection Company, Inc.","doc_count":1},{"key":"GOLD KEY CREDIT, INC.","doc_count":1},{"key":"GREEN ROAD FINANCE INC.","doc_count":1},{"key":"GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC","doc_count":1},{"key":"Garrison Investment Group","doc_count":1},{"key":"Gatestone & Co. International Inc.","doc_count":1},{"key":"Glasser and Glasser, PLC","doc_count":1},{"key":"Global Credit & Collection Corporation","doc_count":1},{"key":"Goal Structured Solutions, LLC","doc_count":1},{"key":"Grain Technology, Inc.","doc_count":1},{"key":"Granite Edvance Corporation","doc_count":1},{"key":"Grant & Weber","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HEAD MERCANTILE CO., INC.","doc_count":1},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"Heritage Financial Group, Inc.","doc_count":1},{"key":"INTERCONTINENTAL EXCHANGE, INC.","doc_count":1},{"key":"IPAC'S Inc.","doc_count":1},{"key":"Ideal Collection Services, Inc.","doc_count":1},{"key":"Incomm Holdings Inc.","doc_count":1},{"key":"Independent Savings Plan Co.","doc_count":1},{"key":"Inflection.com, Inc.","doc_count":1},{"key":"Informative Research","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Io, Inc.","doc_count":1},{"key":"JP Jensen Collections, LLC","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"Jon Barry and Associates, Inc.","doc_count":1},{"key":"Jonathan Neil & Associates, Inc","doc_count":1},{"key":"K. HOVNANIAN AMERICAN MORTGAGE, LLC","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Kimball, Tirey & St. John LLP","doc_count":1},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Klima, Peters & Daly, P.A.","doc_count":1},{"key":"Knight Adjustment Bureau","doc_count":1},{"key":"Kora Financial","doc_count":1},{"key":"Kovitz Shifrin Nesbit, A Professional Corporation","doc_count":1},{"key":"Kovo","doc_count":1},{"key":"Kubota North America Corporation","doc_count":1},{"key":"Law Offices of Hayt, Hayt & Landau, LLC","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"Lefkoff, Rubin, Gleason, Russo & Williams, P.C.","doc_count":1},{"key":"Lela Mae Portfolio Management Group","doc_count":1},{"key":"LendKey Technologies, Inc.","doc_count":1},{"key":"Lendbuzz Inc.","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"Lennar Financial Services, LLC","doc_count":1},{"key":"Liberty Career Finance, LLC","doc_count":1},{"key":"Lien Enforcement Inc","doc_count":1},{"key":"Loqbox US Inc","doc_count":1},{"key":"MAINSTREET LOAN COMPANY IN","doc_count":1},{"key":"MCCARTHY LAW PLC","doc_count":1},{"key":"MEI AUTO FINANCE INC","doc_count":1},{"key":"MILLENNIUM FINANCIAL GROUP, L.L.C.","doc_count":1},{"key":"MISSION FINANCIAL SERVICES CORPORATION","doc_count":1},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":1},{"key":"MUTUAL OF OMAHA MORTGAGE, LLC","doc_count":1},{"key":"Main Line Recovery Solutions, Inc.","doc_count":1},{"key":"Marauder Corporation","doc_count":1},{"key":"Master Finance Company","doc_count":1},{"key":"Master Finance Corporation","doc_count":1},{"key":"Meade & Associates, Inc.","doc_count":1},{"key":"Medical Data Systems, Inc.","doc_count":1},{"key":"Merchants Adjustment Service, Inc.","doc_count":1},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":1},{"key":"Merchants and Professional Bureau, Inc.","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"Mezcal Corporation","doc_count":1},{"key":"Michael & Associates, PC","doc_count":1},{"key":"Midwest Fidelity Services, LLC","doc_count":1},{"key":"Millco Management","doc_count":1},{"key":"MiraMed Revenue Group LLC","doc_count":1},{"key":"Monarch Recovery Holdings, Inc.","doc_count":1},{"key":"Mutual Management Services LLC","doc_count":1},{"key":"N.A.R., Inc.","doc_count":1},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":1},{"key":"NCD Financial, LLC","doc_count":1},{"key":"NEU Money, Inc.","doc_count":1},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":1},{"key":"NFM, INC","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"National Collection Systems, Inc.","doc_count":1},{"key":"National Recovery Solutions, LLC","doc_count":1},{"key":"Nations Direct Mortgage, LLC","doc_count":1},{"key":"Nationwide Credit & Collection, Inc.","doc_count":1},{"key":"Neighborhood Autos, LLC","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"North Capital Recovery Services","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"Ogden Holdings, LLC","doc_count":1},{"key":"Omega RMS, LLC","doc_count":1},{"key":"Opportunity Fund","doc_count":1},{"key":"P&B Capital Group, LLC","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PDQ Services, Inc.","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"PREFERRED CREDIT INC","doc_count":1},{"key":"Paramount Recovery Systems, L.P.","doc_count":1},{"key":"Partners Financial Services Inc","doc_count":1},{"key":"Pendrick Capital Partners","doc_count":1},{"key":"Phoenix Financial Services LLC","doc_count":1},{"key":"Pinnacle Credit Services, LLC","doc_count":1},{"key":"Point Digital Finance, Inc.","doc_count":1},{"key":"Porania, LLC","doc_count":1},{"key":"Premier Portfolio Group","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Professional Collection Service Inc (GA)","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"Professional Recovery Management","doc_count":1},{"key":"Prominence Capital Partners, LLC","doc_count":1},{"key":"RMS-Recovery Management Services, Inc.","doc_count":1},{"key":"RS Clark and Associates, Inc.","doc_count":1},{"key":"Ratchford Law Group, P.C.","doc_count":1},{"key":"Receivables Management Corporation","doc_count":1},{"key":"Receivables Performance Management, LLC","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"Reimer, Arnovitz, Chernek &Jeffrey Co., LPA","doc_count":1},{"key":"Reliant Capital Solutions, LLC","doc_count":1},{"key":"Remitly, Inc.","doc_count":1},{"key":"ResidentCollect, Inc.","doc_count":1},{"key":"Revolut Technologies Inc.","doc_count":1},{"key":"River City Finance Co., Inc.","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"Rubin & Rothman, LLC","doc_count":1},{"key":"S & S Recovery, Inc.","doc_count":1},{"key":"S&S Physician Services, Inc.","doc_count":1},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SHABANA MOTORS","doc_count":1},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":1},{"key":"SQUARETWO FINANCIAL CORPORATION","doc_count":1},{"key":"Saint Services LLC","doc_count":1},{"key":"Selip & Stylianou, LLP","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Sensible Auto Lending, LLC","doc_count":1},{"key":"Sentry Recovery and Collections, Inc.","doc_count":1},{"key":"Servatus Corporation","doc_count":1},{"key":"Servicing Solutions, LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Siggi LLC","doc_count":1},{"key":"SinglePoint GI","doc_count":1},{"key":"Skrill USA, Inc.","doc_count":1},{"key":"Sky Blue Financial Services, Inc.","doc_count":1},{"key":"Solar Mosaic LLC","doc_count":1},{"key":"South Carolina State Housing Finance and Development Authority","doc_count":1},{"key":"Southern Auto Finance Co","doc_count":1},{"key":"Southern Management Systems Inc.","doc_count":1},{"key":"Specialized Collection Systems, Inc.","doc_count":1},{"key":"State Collection Service, Inc.","doc_count":1},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"Synergetic Communication Inc","doc_count":1},{"key":"TAYLOR MORRISON HOME FUNDING, INC.","doc_count":1},{"key":"TCF NATIONAL BANK","doc_count":1},{"key":"TFS FINANCIAL CORPORATION","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"TOWNEBANK","doc_count":1},{"key":"Terrill Outsourcing Group","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"Texas Guaranteed","doc_count":1},{"key":"The Affiliated Group, Inc","doc_count":1},{"key":"The Bureaus, Inc.","doc_count":1},{"key":"The J. G. Wentworth Company","doc_count":1},{"key":"TomoCredit Inc.","doc_count":1},{"key":"TriVerity, Inc.","doc_count":1},{"key":"United Military Mortgage, LLC","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"Universal Payment Corporation","doc_count":1},{"key":"Uplift, Inc","doc_count":1},{"key":"Usset Weingarden & Liebo PLLP","doc_count":1},{"key":"VANDERBILT MORTGAGE & FINANCE, INC","doc_count":1},{"key":"Valon Technologies, Inc.","doc_count":1},{"key":"Valor Intelligent Processing, LLC","doc_count":1},{"key":"Van Horn Automotive Group, Inc.","doc_count":1},{"key":"Verisk Analytics Inc","doc_count":1},{"key":"WHEELS FINANCIAL GROUP, LLC.","doc_count":1},{"key":"WSFS FINANCIAL CORPORATION","doc_count":1},{"key":"Westcreek Financial","doc_count":1},{"key":"Western-Shamrock Corporation","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1},{"key":"Wxw Investments, LLC","doc_count":1},{"key":"Yamaha Motor Finance Corporation USA","doc_count":1},{"key":"Zo Financial, Inc.","doc_count":1}]}},"state":{"doc_count":11983,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":1532},{"key":"FL","doc_count":1501},{"key":"GA","doc_count":1350},{"key":"CA","doc_count":1100},{"key":"NY","doc_count":649},{"key":"IL","doc_count":582},{"key":"PA","doc_count":462},{"key":"MI","doc_count":448},{"key":"OH","doc_count":335},{"key":"NJ","doc_count":317},{"key":"LA","doc_count":314},{"key":"NV","doc_count":309},{"key":"MO","doc_count":306},{"key":"NC","doc_count":301},{"key":"VA","doc_count":301},{"key":"MD","doc_count":243},{"key":"SC","doc_count":189},{"key":"AL","doc_count":164},{"key":"AZ","doc_count":148},{"key":"TN","doc_count":144},{"key":"MA","doc_count":135},{"key":"MS","doc_count":90},{"key":"KY","doc_count":85},{"key":"WA","doc_count":83},{"key":"AR","doc_count":81},{"key":"UT","doc_count":81},{"key":"IN","doc_count":80},{"key":"WI","doc_count":75},{"key":"MN","doc_count":61},{"key":"CO","doc_count":57},{"key":"DE","doc_count":54},{"key":"CT","doc_count":51},{"key":"KS","doc_count":42},{"key":"IA","doc_count":39},{"key":"OK","doc_count":37},{"key":"OR","doc_count":36},{"key":"DC","doc_count":32},{"key":"HI","doc_count":31},{"key":"NE","doc_count":25},{"key":"RI","doc_count":20},{"key":"NM","doc_count":17},{"key":"AK","doc_count":14},{"key":"NH","doc_count":9},{"key":"MT","doc_count":8},{"key":"PR","doc_count":6},{"key":"VI","doc_count":6},{"key":"ID","doc_count":5},{"key":"ME","doc_count":5},{"key":"GU","doc_count":3},{"key":"UNITED STATES MINOR OUTLYING ISLANDS","doc_count":3},{"key":"SD","doc_count":2},{"key":"WV","doc_count":2},{"key":"WY","doc_count":2},{"key":"AE","doc_count":1},{"key":"ND","doc_count":1}]}},"company_public_response":{"doc_count":11983,"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":6068},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":298},{"key":"Company disputes the facts presented in the complaint","doc_count":26},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":18},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":10},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":5},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":4},{"key":"Company chooses not to provide a public response","doc_count":4},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":1}]}},"tags":{"doc_count":11983,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":892},{"key":"Older American","doc_count":116},{"key":"Older American, Servicemember","doc_count":94}]}}},"_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":{"2":[13.342335,"8595376"],"3":[13.2492285,"13200467"],"4":[12.959135,"10051058"],"5":[12.893212,"15179085"],"6":[12.742064,"15153421"],"7":[12.720331,"15129453"],"8":[12.594726,"9060508"]}}}