{"took":641,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":83645,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16538117","_score":10.475672,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Upon reviewing my credit report, I have identified specific Metro 2 <em>compliance</em> violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable <em>under</em> <em>FCRA</em> 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1."]},"sort":[10.475672,"16538117"]},{"_index":"complaint-public-v1","_id":"16536763","_score":10.334701,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX  credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>compliance</em> violation - Terms Metro 2 Base 13 <em>compliance</em> violations- Last Payment Date Metro 2 Base 17 <em>compliance</em> violation - Special Comment Metro 2 Base 19 <em>compliance</em> violation - Reporting Summary Metro 2 Base 18 <em>compliance</em> violation - XXXX Segment Mero 2 <em>compliance</em> violation This complaint is a formal dispute <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently"]},"sort":[10.334701,"16536763"]},{"_index":"complaint-public-v1","_id":"12644260","_score":10.251226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ] [ XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Equifax [ Address ] [ City, State, ZIP Code ] Subject : URGENT Metro 2 Compliance Dispute Investigation Request To Whom It May Concern, I am formally disputing the accuracy and compliance of the following accounts on my credit report as reported by [ Credit Bureau Name ]. This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 compliance requirements. Upon reviewing my credit report dated XX/XX/year>, I have identified multiple derogatory accounts, charge-offs, and inaccurately reported items that require immediate verification under Metro 2s e-OSCAR and Data Furnisher Reporting Standards. Below is a list of disputed accounts, including the furnishers and associated compliance concerns : XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Charge-off status : Metro 2 guidelines require accurate reporting of payment history. Verification requested : Provide method of validation, including compliance with FCRA 623 ( a ) ( 3 ) ( Duty of Furnishers to Provide Accurate Information ). XXXX. XXXXXXXX XXXX [ Account Number : XXXX ] Charge-off reported but no payment history provided. Missing compliance details required under Metro 2 guidelines ( Base Segment ). XXXX. XXXX XXXX [ Account Number : XXXX ] Closed by credit grantor remark conflicts with reported charge-off. e-OSCAR investigation requested for validation under Metro 2. XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Account marked Profit and Loss Write-off but lacks original date of delinquency ( DOFD ). Violation of FCRA 605 ( a ) ( 5 ) if DOFD is misreportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. Requires compliance verification under Metro 2s Compliance Condition Code C. Metro 2 Compliance & FCRA Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 compliance rules. The FCRA mandates that if an item can not be verified, it must be deleted. REQUESTED ACTIONS : 1. Provide Metro 2-compliant documentation validating each disputed item. 2. If full compliance can not be proven, immediately delete these accounts from my credit report. 3. Provide a detailed response within 30 days, as required under FCRA 611 ( a ). Failure to comply with this dispute request may result in formal complaints to the CFPB ( Consumer Financial Protection Bureau ) and legal action under FCRA non-compliance penalties. I expect prompt handling of this matter and an updated corrected credit report. Please mail all responses to my address listed above. Sincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-24T16:05:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60473","tags":null,"has_narrative":true,"complaint_id":"12644260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T15:59:55.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Requires <em>compliance</em> verification <em>under</em> Metro 2s <em>Compliance</em> Condition Code C. Metro 2 <em>Compliance</em> & <em>FCRA</em> Violations Each of these accounts may be inaccurately reported or unverifiable <em>under</em> Metro 2 <em>compliance</em> rules. The <em>FCRA</em> mandates that if an item can not be verified, it must be deleted. REQUESTED ACTIONS : 1. Provide Metro 2-compliant documentation validating each disputed item. 2. If full <em>compliance</em> can not be proven, immediately delete these accounts from my credit report. 3."]},"sort":[10.251226,"12644260"]},{"_index":"complaint-public-v1","_id":"12513592","_score":10.246725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Experian [ Address ] [ City, State, ZIP Code ] Subject : URGENT Metro 2 Compliance Dispute Investigation Request To Whom It May Concern, I am formally disputing the accuracy and compliance of the following accounts on my credit report as reported by [ Credit Bureau Name ]. This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 compliance requirements. \n\nUpon reviewing my credit report dated XX/XX/year>, I have identified multiple derogatory accounts, charge-offs, and inaccurately reported items that require immediate verification under Metro 2s e-OSCAR and Data Furnisher Reporting Standards. \n\nBelow is a list of disputed accounts, including the furnishers and associated compliance concerns : XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Charge-off status : XXXX XXXX XXXX require accurate reporting of payment history. \nVerification requested : Provide method of validation, including compliance with FCRA 623 ( a ) ( 3 ) ( Duty of Furnishers to Provide Accurate Information ). \nXXXX. XXXXXXXX XXXX [ Account XXXX : XXXX ] XXXX reported but no payment history provided. \nMissing compliance details required under Metro 2 guidelines ( XXXX XXXX ). \nXXXX. XXXX XXXX [ Account XXXX : XXXX ] Closed by credit grantor remark conflicts with reported charge-off. \ne-OSCAR investigation requested for validation under Metro 2. \nXXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Account marked Profit and Loss Write-off but lacks original date of delinquency ( XXXX  ). \nViolation of FCRA 605 ( a ) ( 5 ) if XXXX is misreported. \nXXXX. XXXX XXXX XXXX XXXX XXXX  [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. \nRequires compliance verification under XXXXetro 2s Compliance Condition Code C.\n\nMetro 2 Compliance & FCRA Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 compliance rules. The FCRA mandates that if an item can not be verified, it must be deleted. \n\nREQUESTED ACTIONS : XXXX. Provide Metro 2-compliant documentation validating each disputed item.\n\n2. If full compliance can not be proven, immediately delete these accounts from my credit report.\n\n3. Provide a detailed response within 30 days, as required under FCRA 611 ( a ).\n\nFailure to comply with this dispute request may result in formal complaints to the CFPB ( Consumer Financial Protection Bureau ) and legal action under FCRA non-compliance penalties. \n\nI expect prompt handling of this matter and an updated corrected credit report. Please mail all responses to my address listed above. \n\nSincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-17T18:34:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60473","tags":null,"has_narrative":true,"complaint_id":"12513592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T18:06:02.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Violation of <em>FCRA</em> 605 ( a ) ( 5 ) if XXXX is misreported. \nXXXX. XXXX XXXX XXXX XXXX XXXX  [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. \nRequires <em>compliance</em> verification <em>under</em> XXXXetro 2s <em>Compliance</em> Condition Code C.\n\nMetro 2 <em>Compliance</em> & <em>FCRA</em> Violations Each of these accounts may be inaccurately reported or unverifiable <em>under</em> Metro 2 <em>compliance</em> rules. The <em>FCRA</em> mandates that if an item can not be verified, it must be deleted."]},"sort":[10.246725,"12513592"]},{"_index":"complaint-public-v1","_id":"16602723","_score":10.22642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA XXXX and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XXXX  while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro 2 ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status Metro 2 Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX compliance violation - Special Comment Metro 2 Base XXXX compliance violation - XXXX Segment Metro 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA XXXX ( c ) - Medical Debt<XXXX  This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for TransUnion immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my TransUnion credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA XXXX ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA XXXX.","date_sent_to_company":"2025-10-15T16:43:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-15T16:35:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required <em>Compliance</em> Condition Code XXXX  while account is <em>under</em> active consumer dispute - <em>FCRA</em> <em>Compliance</em> / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) <em>compliance</em> violation - Portfolio Type Metro 2 ( Base XXXX ) <em>compliance</em> violation - Date Open Metro 2 ( Base XXXX ) <em>compliance</em> violation - Payment History Profile Metro 2 ( Field XXXX ) <em>compliance</em> violation - The Account Status Metro 2 Base XXXX <em>compliance</em> violation - Current"]},"sort":[10.22642,"16602723"]},{"_index":"complaint-public-v1","_id":"15338736","_score":10.210907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute and Request for Immediate Deletion Willful Non-Compliance as Fraud To Whom It May Concern : I am formally disputing the accuracy and legality of the above-referenced account appearing on my credit report, under my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).\n\nDespite prior attempts to resolve this matter directly with the furnisher and the credit reporting agencies, the account in question continues to be reported inaccurately and without proper verification. This constitutes willful non-compliance with the FCRA, and I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for immediate investigation and resolution.\n\nGrounds for Dispute : Lack of Proper Verification : The furnisher has failed to provide legally sufficient documentation to verify the accuracy and ownership of the account. Violation of FCRA Procedures : The continued reporting of this account without proper reinvestigation violates 15 U.\nS.C. 1681i ( a ), which mandates a timely and thorough reinvestigation of disputed information.\n\nWillful Non-Compliance and Fraud : The persistent reporting of unverifiable and inaccurate information, despite notice of dispute, may constitute willful non-compliance and fraudulent misrepresentation under federal law. \n\nRequested Action : I respectfully request the CFPB to : Investigate the reporting practices of the furnisher and the credit reporting agencies involved.\n\nEnforce compliance with the FCRA and any other applicable consumer protection statutes.\n\nDirect the immediate deletion of the disputed account from all consumer reporting agencies due to failure to verify and continued willful non-compliance.\n\nI am formally disputing multiple accounts that have been previously removed from my credit report following valid disputes. These accounts have now been reinserted without proper notice or verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).\n\nLegal Violations : Failure to Notify of Reinsertion Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, it must notify the consumer in writing within 5 business days. I have not received any such notice. \nFailure to Certify Accuracy Before Reinsertion Per FCRA 1681i ( a ) ( 5 ) ( A ), the information must be certified by the furnisher as accurate before it can be reinserted. There is no evidence that this certification occurred.\n\nFailure to Conduct Reasonable Reinvestigation Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The repeated reinsertion of previously disputed and removed accounts suggests that no proper reinvestigation was conducted.\n\nWillful Non-Compliance and Negligence. These actions may constitute willful non-compliance under FCRA 1681n and negligent non-compliance under FCRA 1681o, both of which are grounds for legal action and damages.\n\nI am attaching all relevant documentation, including prior dispute letters, responses ( if any ), and copies of my credit report showing the disputed account. \n\nThank you for your attention to this urgent matter. I trust the CFPB will act swiftly to protect my rights and ensure fair and accurate credit reporting.","date_sent_to_company":"2025-08-17T19:51:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75007","tags":null,"has_narrative":true,"complaint_id":"15338736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-17T19:16:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute and Request for Immediate Deletion Willful Non-<em>Compliance</em> as Fraud To Whom It May Concern : I am formally disputing the accuracy and legality of the above-referenced account appearing on my credit report, <em>under</em> my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically 15 U.S.C. 1681i ( a ) and 1681s-2 ( b )."]},"sort":[10.210907,"15338736"]},{"_index":"complaint-public-v1","_id":"11849902","_score":10.161225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Non-Compliance Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( FCRA ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-compliance with the obligations of the Act. I have identified an instance of non-compliance by your company that is negatively impacting my credit report and does not meet the requirements set forth by the FCRA.\n\nThis issue is causing tangible harm to my credit history and my ability to access fair financial services.\n\nAs stated in **15 USC 1681 ( o ) **, consumers are entitled to protection against negligent non-compliance with the provisions of the FCRA . I request that your company promptly investigate and correct the inaccurate or mishandled information in accordance with the procedures set forth by the law. Additionally, I expect written confirmation regarding the actions taken to rectify the issue within the timeframes specified by the FCRA.\n\nPlease be reminded that under the aforementioned statute, negligent non-compliance may result in civil liability, including compensatory damages, which can be claimed by affected consumers. I hope this matter can be resolved without the need for further legal action.\n\nThank you for your prompt attention to this matter. I look forward to your response within the time limits established by the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-30T05:11:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"11849902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T04:54:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dispute of Non-<em>Compliance</em> <em>Under</em> the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( <em>FCRA</em> ), specifically <em>under</em> **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-<em>compliance</em> with the obligations of the Act. I have identified an instance of non-<em>compliance</em> by your company that is negatively impacting my credit report and does not meet the requirements set forth by the <em>FCRA</em>."]},"sort":[10.161225,"11849902"]},{"_index":"complaint-public-v1","_id":"17116390","_score":10.138283,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include but may not be limited to Accounts in Dispute : 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base 25 ) compliance violation - The Account Status Metro 2 ( Base/17A ) compliance violation - Terms Duration Metro 2 ( Base/13 ) compliance violation - Portfolio Type Metro 2 ( Base/9 ) compliance violation - Date Open Metro 2 ( Base/10 ) compliance violation - Portfolio Type Metro 2 ( Base/8 ) compliance violation - Payment History Profile Metro 2 ( Field/18 ) compliance violation - Current Balance Metro 2 ( Base/12 ) compliance violation - ECOA Code Base/37 J1 & J2/10 - Last Payment Date Metro 2 ( Base/17 ) compliance violation - Special Comment Metro 2 ( Base/19 ) compliance violation - K1 Segment Metro 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA 605 ( c ) This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. Inconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-11-08T16:34:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"17116390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-08T16:16:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability <em>under</em> <em>FCRA</em> 1681n."]},"sort":[10.138283,"17116390"]},{"_index":"complaint-public-v1","_id":"16240872","_score":10.1117935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am demanding immediate DELETION of the following false, conflicting, and unverifiable items from my credit file. You failed to correct these errors after my previous dispute. This is willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 616.\n\nIf you can not fully verify each item with documented proof in Metro 2compliant format, you must DELETE them permanently. \n\nAccounts in Dispute XXXX XXXX XXXX XXXX You are willfully reporting contradictory and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, balance, past-due amounts, and payment history conflict across bureaus and do not meet Metro 2 standards. This is clear willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify every field with complete Metro 2 compliance, you must DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX You continue to report false, conflicting, and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and Metro 2 standards. The account status, balance, and payment history do not align across bureaus and fail to meet the requirements of accurate reporting. This is willful non-compliance under 616. I demand you DELETE this account permanently from my credit file. If you can not provide full Metro 2compliant verification of every field, you must DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX  You are reporting false, conflicting, and unverifiable information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, past-due amounts, and payment history are inconsistent across bureaus and not Metro 2 compliant. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not validate each field with complete Metro 2 compliance, DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX  You are willfully reporting false and contradictory information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The payment history, account status, balance, and past-due amounts do not match across bureaus and fail Metro 2 standards. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 compliance, you must DELETE immediately. \n\nInquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA XXXX. DELETE immediately for lack of permissible purpose. \n\nXXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED under FCRA 604. \n\nXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> This inquiry was not authorized by me and is reported in error. DELETE permanently for lack of permissible purpose under FCRA 604. \n\nXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> I never approved this inquiry. Reporting it is willful non-compliance with FCRA 604. DELETE permanently. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry is unauthorized and unverifiable. No permissible purpose exists. DELETE permanently under FCRA 604. \n\nXXXX XXXX XXXX XXXX XX/XX/year> This inquiry was added without my consent or authorization. It is unverifiable and must be permanently DELETED under FCRA 604. \n\nXXXX XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA 604. I demand it be DELETED permanently. \n\nXXXX XXXX XXXX XXXXXX/XX/year> No permissible purpose exists for this inquiry. It is willful non-compliance with FCRA XXXX and must be permanently DELETED. \n\nXXXX XXXX XXXX XXXXXX/XX/year> I never granted authorization for this inquiry. It is unauthorized and unverifiable. DELETE permanently under FCRA 604. \n\nIncorrect Addresses XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently. \n\nXXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is false and never associated with me. DELETE permanently for failure to maintain accurate identifying information under FCRA 609 ( a ). \n\nXXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently.","date_sent_to_company":"2025-09-29T20:00:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85009","tags":null,"has_narrative":true,"complaint_id":"16240872","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T18:19:59.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is willful non-<em>compliance</em> <em>under</em> 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 <em>compliance</em>, you must DELETE immediately. \n\nInquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates <em>FCRA</em> XXXX. DELETE immediately for lack of permissible purpose. \n\nXXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED <em>under</em> <em>FCRA</em> 604."]},"sort":[10.1117935,"16240872"]},{"_index":"complaint-public-v1","_id":"16234125","_score":10.101338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am demanding immediate DELETION of the following false, conflicting, and unverifiable items from my credit file. You failed to correct these errors after my previous dispute. This is willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 616.\n\nIf you can not fully verify each item with documented proof in Metro 2compliant format, you must DELETE them permanently. \n\nAccounts in Dispute XXXX XXXX XXXX XXXX You are willfully reporting contradictory and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, balance, past-due amounts, and payment history conflict across bureaus and do not meet Metro 2 standards. This is clear willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify every field with complete Metro 2 compliance, you must DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX You continue to report false, conflicting, and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and Metro 2 standards. The account status, balance, and payment history do not align across bureaus and fail to meet the requirements of accurate reporting. This is willful non-compliance under 616. I demand you DELETE this account permanently from my credit file. If you can not provide full Metro 2compliant verification of every field, you must DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX  You are reporting false, conflicting, and unverifiable information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, past-due amounts, and payment history are inconsistent across bureaus and not Metro 2 compliant. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not validate each field with complete Metro 2 compliance, DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX  You are willfully reporting false and contradictory information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The payment history, account status, balance, and past-due amounts do not match across bureaus and fail Metro 2 standards. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 compliance, you must DELETE immediately. \n\nInquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA XXXX. DELETE immediately for lack of permissible purpose. \n\nXXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED under FCRA 604. \n\nXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> This inquiry was not authorized by me and is reported in error. DELETE permanently for lack of permissible purpose under FCRA 604. \n\nXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> I never approved this inquiry. Reporting it is willful non-compliance with FCRA 604. DELETE permanently. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry is unauthorized and unverifiable. No permissible purpose exists. DELETE permanently under FCRA 604. \n\nXXXX XXXX XXXX XXXX XX/XX/year> This inquiry was added without my consent or authorization. It is unverifiable and must be permanently DELETED under FCRA 604. \n\nXXXX XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA 604. I demand it be DELETED permanently. \n\nXXXX XXXX XXXX XXXXXX/XX/year> No permissible purpose exists for this inquiry. It is willful non-compliance with FCRA XXXX and must be permanently DELETED. \n\nXXXX XXXX XXXX XXXXXX/XX/year> I never granted authorization for this inquiry. It is unauthorized and unverifiable. DELETE permanently under FCRA 604. \n\nIncorrect Addresses XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently. \n\nXXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is false and never associated with me. DELETE permanently for failure to maintain accurate identifying information under FCRA 609 ( a ). \n\nXXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently.","date_sent_to_company":"2025-09-29T21:00:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85009","tags":null,"has_narrative":true,"complaint_id":"16234125","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T18:16:19.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is willful non-<em>compliance</em> <em>under</em> 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 <em>compliance</em>, you must DELETE immediately. \n\nInquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates <em>FCRA</em> XXXX. DELETE immediately for lack of permissible purpose. \n\nXXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED <em>under</em> <em>FCRA</em> 604."]},"sort":[10.101338,"16234125"]},{"_index":"complaint-public-v1","_id":"16253992","_score":10.075773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am demanding immediate DELETION of the following false, conflicting, and unverifiable items from my credit file. You failed to correct these errors after my previous dispute. This is willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 616.\n\nIf you can not fully verify each item with documented proof in Metro 2compliant format, you must DELETE them permanently. \n\nAccounts in Dispute XXXX XXXX XXXX XXXX You are willfully reporting contradictory and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, balance, past-due amounts, and payment history conflict across bureaus and do not meet Metro 2 standards. This is clear willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify every field with complete Metro 2 compliance, you must DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX You continue to report false, conflicting, and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and Metro 2 standards. The account status, balance, and payment history do not align across bureaus and fail to meet the requirements of accurate reporting. This is willful non-compliance under 616. I demand you DELETE this account permanently from my credit file. If you can not provide full Metro 2compliant verification of every field, you must DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX  You are reporting false, conflicting, and unverifiable information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, past-due amounts, and payment history are inconsistent across bureaus and not Metro 2 compliant. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not validate each field with complete Metro 2 compliance, DELETE immediately. \n\nXXXX XXXXXXXX XXXX XXXX  You are willfully reporting false and contradictory information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The payment history, account status, balance, and past-due amounts do not match across bureaus and fail Metro 2 standards. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 compliance, you must DELETE immediately. \n\nInquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA XXXX. DELETE immediately for lack of permissible purpose. \n\nXXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED under FCRA 604. \n\nXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> This inquiry was not authorized by me and is reported in error. DELETE permanently for lack of permissible purpose under FCRA 604. \n\nXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> I never approved this inquiry. Reporting it is willful non-compliance with FCRA 604. DELETE permanently. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry is unauthorized and unverifiable. No permissible purpose exists. DELETE permanently under FCRA 604. \n\nXXXX XXXX XXXX XXXX XX/XX/year> This inquiry was added without my consent or authorization. It is unverifiable and must be permanently DELETED under FCRA 604. \n\nXXXX XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA 604. I demand it be DELETED permanently. \n\nXXXX XXXX XXXX XXXXXX/XX/year> No permissible purpose exists for this inquiry. It is willful non-compliance with FCRA XXXX and must be permanently DELETED. \n\nXXXX XXXX XXXX XXXXXX/XX/year> I never granted authorization for this inquiry. It is unauthorized and unverifiable. DELETE permanently under FCRA 604. \n\nIncorrect Addresses XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently. \n\nXXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is false and never associated with me. DELETE permanently for failure to maintain accurate identifying information under FCRA 609 ( a ). \n\nXXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently.","date_sent_to_company":"2025-09-29T22:00:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85009","tags":null,"has_narrative":true,"complaint_id":"16253992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-29T18:19:59.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is willful non-<em>compliance</em> <em>under</em> 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 <em>compliance</em>, you must DELETE immediately. \n\nInquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates <em>FCRA</em> XXXX. DELETE immediately for lack of permissible purpose. \n\nXXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED <em>under</em> <em>FCRA</em> 604."]},"sort":[10.075773,"16253992"]},{"_index":"complaint-public-v1","_id":"16602938","_score":10.074055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro XXXX ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status XXXX XXXX Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX XXXX violation - Special Comment Metro 2 Base XXXX XXXX violation - XXXX Segment XXXX XXXX XXXX - XXXX Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of XXXX XXXX ( c ) - Medical XXXX This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax XXXX XXXX and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Experian credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-15T16:35:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T16:28:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The following data fields are either inaccurate, incomplete, or unverifiable <em>under</em> <em>FCRA</em> 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically - Failure to report the required <em>Compliance</em> Condition Code XB while account is <em>under</em> active consumer dispute - <em>FCRA</em> <em>Compliance</em> / Date of"]},"sort":[10.074055,"16602938"]},{"_index":"complaint-public-v1","_id":"12144085","_score":10.045751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.\n\nUnder CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.\n\nThese accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.\n\nUnder 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.\n\nI have re-attached my Metro 2 Compliance Letter with full documentation for review. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-02-21T02:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12144085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T02:32:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint Summary for CFPB Metro 2 <em>Compliance</em> Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute <em>under</em> <em>FCRA</em>. The first time, I filed a traditional <em>FCRA</em> dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion <em>under</em> Metro 2 <em>Compliance</em> standards, which requires them to either prove <em>compliance</em> or remove the accounts immediately within 5 business days."]},"sort":[10.045751,"12144085"]},{"_index":"complaint-public-v1","_id":"12144132","_score":10.042376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.\n\nUnder CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.\n\nThese accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.\n\nUnder 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.\n\nI have re-attached my Metro 2 Compliance Letter with full documentation for review. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-02-21T02:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12144132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-21T02:26:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint Summary for CFPB Metro 2 <em>Compliance</em> Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute <em>under</em> <em>FCRA</em>. The first time, I filed a traditional <em>FCRA</em> dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion <em>under</em> Metro 2 <em>Compliance</em> standards, which requires them to either prove <em>compliance</em> or remove the accounts immediately within 5 business days."]},"sort":[10.042376,"12144132"]},{"_index":"complaint-public-v1","_id":"12349694","_score":9.966919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX XXXX Dispute FCRA Violation Enforcement Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. I have disputed inaccurate information on my credit report using the XXXX XXXX format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.","date_sent_to_company":"2025-03-06T21:16:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12349694","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-06T21:15:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : XXXX XXXX Dispute <em>FCRA</em> Violation Enforcement Dear CFPB, I am submitting this complaint to enforce my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ) and XXXX XXXX <em>compliance</em> standards. I have disputed inaccurate information on my credit report using the XXXX XXXX format, citing specific <em>FCRA</em> violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law."]},"sort":[9.966919,"12349694"]},{"_index":"complaint-public-v1","_id":"12349633","_score":9.962574,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX XXXX Dispute FCRA Violation Enforcement Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. I have disputed inaccurate information on my credit report using the XXXX XXXX format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.","date_sent_to_company":"2025-03-06T21:16:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12349633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T21:11:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : XXXX XXXX Dispute <em>FCRA</em> Violation Enforcement Dear CFPB, I am submitting this complaint to enforce my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ) and XXXX XXXX <em>compliance</em> standards. I have disputed inaccurate information on my credit report using the XXXX XXXX format, citing specific <em>FCRA</em> violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law."]},"sort":[9.962574,"12349633"]},{"_index":"complaint-public-v1","_id":"16600653","_score":9.941608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : Names XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Addresses XXXX. XXXX XXXX XXXX PL XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Numbers XXXX. XXXX XXXX. XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - First name XXXX XXXX Field XXXX compliance violation - Middle Name XXXX XXXX Field XXXX compliance violation - First line of Field Address XXXX XXXX Field XXXX compliance violation - XXXX XXXX XXXX Field XXXX compliance violation compliance violation - Address Indicator XXXX XXXX Field XXXX compliance violation - Segment Identifier XXXX XXXX XXXX Field XXXX compliance violation - XXXX Segment Employment XXXX XXXX Field XXXX compliance violation - First Line of Employer Address XXXX XXXX Field XXXX compliance violation - Total Telephone Numbers ( All Segments ) XXXX XXXX Field XXXX compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with XXXX XXXX data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating XXXX XXXX formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the XXXX XXXX Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-15T18:26:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16600653","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T18:14:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["- XXXX Segment Employment XXXX XXXX Field XXXX <em>compliance</em> violation - First Line of Employer Address XXXX XXXX Field XXXX <em>compliance</em> violation - Total Telephone Numbers ( All Segments ) XXXX XXXX Field XXXX <em>compliance</em> violation This complaint is a formal dispute <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau."]},"sort":[9.941608,"16600653"]},{"_index":"complaint-public-v1","_id":"6886825","_score":9.88424,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion has not been in compliance with regulations and the law under the FCRA- they have failed to provide documented proof of compliance reporting. And update unverified and inaccurate information - thats a defamation to my character","date_sent_to_company":"2023-04-26T01:38:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"6886825","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-26T01:38:13.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["TransUnion has not been in <em>compliance</em> with regulations and the law <em>under</em> the <em>FCRA</em>- they have failed to provide documented proof of <em>compliance</em> reporting. And update unverified and inaccurate information - thats a defamation to my character"]},"sort":[9.88424,"6886825"]},{"_index":"complaint-public-v1","_id":"6886826","_score":9.871481,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion has not been in compliance with regulations and the law under the FCRA- they have failed to provide documented proof of compliance reporting. And update unverified and inaccurate information - thats a defamation to my character","date_sent_to_company":"2023-04-26T01:38:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"6886826","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-26T01:38:13.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["TransUnion has not been in <em>compliance</em> with regulations and the law <em>under</em> the <em>FCRA</em>- they have failed to provide documented proof of <em>compliance</em> reporting. And update unverified and inaccurate information - thats a defamation to my character"]},"sort":[9.871481,"6886826"]},{"_index":"complaint-public-v1","_id":"6886862","_score":9.871464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion has not been in compliance with regulations and the law under the FCRA- they have failed to provide documented proof of compliance reporting. And update unverified and inaccurate information - thats a defamation to my character","date_sent_to_company":"2023-04-26T01:38:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"6886862","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-26T01:26:03.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["TransUnion has not been in <em>compliance</em> with regulations and the law <em>under</em> the <em>FCRA</em>- they have failed to provide documented proof of <em>compliance</em> reporting. And update unverified and inaccurate information - thats a defamation to my character"]},"sort":[9.871464,"6886862"]},{"_index":"complaint-public-v1","_id":"10723199","_score":9.843191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a documented victim of identity theft resulting from the Equifax data breach. The breach has led to fraudulent accounts, unauthorized inquiries, and inaccurate personal information appearing on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these entries from my report. \n\nIn accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Equifax is legally obligated to block all fraudulent information resulting from identity theft within four business days of receiving this request. Failure to do so is a direct violation of federal law. Under Section 605 ( c ), no adverse information resulting from this theft should be included in my report.\n\nFCRA Compliance Requirements : Verification of Accounts : As specified under FCRA Section 609 ( a ) ( 1 ) ( A ), Equifax is required to provide original signed consumer contracts for any account on my report. If you are unable to produce these contracts, these accounts must be removed immediately as they are unverifiable and fraudulent.\n\nObligation to Correct Inaccuracies : Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax is mandated to correct or delete inaccurate information from my file promptly. I am invoking this right to demand removal of all erroneous information listed below.\n\nLiability for Non-Compliance : Should Equifax fail to act within the legally specified time frame, I will pursue remedies provided under FCRA Section 616 ( 15 U.S.C. 1681n ), which allows for damages for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ), which covers negligent non-compliance.","date_sent_to_company":"2024-11-08T02:26:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45069","tags":null,"has_narrative":true,"complaint_id":"10723199","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-08T02:13:51.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Liability for Non-<em>Compliance</em> : Should Equifax fail to act within the legally specified time frame, I will pursue remedies provided <em>under</em> <em>FCRA</em> Section 616 ( 15 U.S.C. 1681n ), which allows for damages for willful non-<em>compliance</em>, and Section 617 ( 15 U.S.C. 1681o ), which covers negligent non-<em>compliance</em>."]},"sort":[9.843191,"10723199"]},{"_index":"complaint-public-v1","_id":"12360001","_score":9.834482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute for Negligence and Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which addresses negligence and non-compliance resulting in harm to consumers. \nInaccurate reporting and failure to investigate a dispute. \nUnder the FCRA, it is your responsibility to ensure that accurate and verifiable information is reported, and any disputes are handled promptly and thoroughly. The following demonstrates your failure to comply : Negligence : Failing to verify information or follow procedures outlined by the FCRA. \nNon-Compliance : The refusal to provide requested documentation. \nThis negligence and non-compliance have caused significant harm, including financial loss, lowered credit score, and emotional distress. As such, I am holding your company accountable for these violations.\n\nI request the following actions be taken immediately : Investigate this matter thoroughly in compliance with the FCRA.\n\nCorrect all inaccurate information in my file and provide written confirmation.\n\nProvide a written explanation detailing the actions taken and evidence supporting your findings.\n\nFailure to address this matter appropriately may leave me with no choice but to pursue legal remedies available under 15 U.S.C. 1681o, which allows for recovery of actual damages, attorneys fees, and other costs. \nPlease respond in writing within 30 days of receiving this letter. Send all correspondence to the address provided above.","date_sent_to_company":"2025-03-06T09:56:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"298XX","tags":null,"has_narrative":true,"complaint_id":"12360001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T09:37:09.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute for Negligence and Non-<em>Compliance</em> <em>Under</em> 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically <em>under</em> 15 U.S.C. 1681o, which addresses negligence and non-<em>compliance</em> resulting in harm to consumers. \nInaccurate reporting and failure to investigate a dispute."]},"sort":[9.834482,"12360001"]},{"_index":"complaint-public-v1","_id":"12350073","_score":9.810791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.","date_sent_to_company":"2025-03-06T21:22:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12350073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T21:22:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this complaint to enforce my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific <em>FCRA</em> violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law."]},"sort":[9.810791,"12350073"]},{"_index":"complaint-public-v1","_id":"12350473","_score":9.804274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.","date_sent_to_company":"2025-03-06T21:03:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12350473","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-06T21:02:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this complaint to enforce my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific <em>FCRA</em> violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law."]},"sort":[9.804274,"12350473"]},{"_index":"complaint-public-v1","_id":"12350471","_score":9.804274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.","date_sent_to_company":"2025-03-06T21:03:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12350471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T21:02:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear CFPB, I am submitting this complaint to enforce my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific <em>FCRA</em> violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law."]},"sort":[9.804274,"12350471"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":83645,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":83645}]}},"product":{"doc_count":83645,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":72382,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":72007},{"key":"Other personal consumer report","doc_count":375}]}},{"key":"Debt collection","doc_count":5180,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":2254},{"key":"Credit card debt","doc_count":1216},{"key":"Other debt","doc_count":584},{"key":"Medical debt","doc_count":280},{"key":"Auto debt","doc_count":252},{"key":"Telecommunications debt","doc_count":232},{"key":"Rental debt","doc_count":209},{"key":"Payday loan debt","doc_count":44},{"key":"Federal student loan debt","doc_count":35},{"key":"Private student loan debt","doc_count":22},{"key":"Mortgage debt","doc_count":21},{"key":"Other (i.e. phone, health club, etc.)","doc_count":19},{"key":"Credit card","doc_count":10},{"key":"Medical","doc_count":1},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":4568,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4530},{"key":"Other personal consumer report","doc_count":31},{"key":"Credit repair services","doc_count":7}]}},{"key":"Credit card","doc_count":543,"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":488},{"key":"Store credit card","doc_count":50}]}},{"key":"Vehicle loan or lease","doc_count":320,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":279},{"key":"Lease","doc_count":41}]}},{"key":"Student loan","doc_count":182,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":144},{"key":"Private student loan","doc_count":37},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":107,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":62},{"key":"Personal line of credit","doc_count":29},{"key":"Payday loan","doc_count":13},{"key":"Title loan","doc_count":3}]}},{"key":"Checking or savings account","doc_count":100,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":85},{"key":"Other banking product or service","doc_count":9},{"key":"Savings account","doc_count":5},{"key":"CD (Certificate of Deposit)","doc_count":1}]}},{"key":"Mortgage","doc_count":99,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":41},{"key":"FHA mortgage","doc_count":29},{"key":"VA mortgage","doc_count":13},{"key":"Other type of mortgage","doc_count":7},{"key":"Home equity loan or line of credit (HELOC)","doc_count":4},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Manufactured home loan","doc_count":1},{"key":"Other mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Credit reporting","doc_count":84,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Debt or credit management","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":21},{"key":"Debt settlement","doc_count":20},{"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":23,"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":20},{"key":"Store credit card","doc_count":3}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":2},{"key":"Money order, traveler's check or cashier's check","doc_count":2},{"key":"Check cashing service","doc_count":1},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Virtual currency","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":2},{"key":"Personal line of credit","doc_count":1},{"key":"Title loan","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 loan","doc_count":1}]}}]}},"issue":{"doc_count":83645,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":31196,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":29553},{"key":"Credit inquiries on your report that you don't recognize","doc_count":1519},{"key":"Report provided to employer without your written authorization","doc_count":108},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":16}]}},{"key":"Incorrect information on your report","doc_count":28117,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":13226},{"key":"Account information incorrect","doc_count":7741},{"key":"Account status incorrect","doc_count":3517},{"key":"Information is missing that should be on the report","doc_count":1394},{"key":"Personal information incorrect","doc_count":876},{"key":"Public record information inaccurate","doc_count":666},{"key":"Old information reappears or never goes away","doc_count":642},{"key":"Information is incorrect","doc_count":45},{"key":"Information that should be on the report is missing","doc_count":10}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":15783,"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":12621},{"key":"Investigation took more than 30 days","doc_count":1652},{"key":"Was not notified of investigation status or results","doc_count":988},{"key":"Problem with personal statement of dispute","doc_count":284},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":238}]}},{"key":"Attempts to collect debt not owed","doc_count":2278,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1538},{"key":"Debt was result of identity theft","doc_count":550},{"key":"Debt was paid","doc_count":126},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":64}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1821,"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":1295},{"key":"Investigation took more than 30 days","doc_count":326},{"key":"Was not notified of investigation status or results","doc_count":127},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":39},{"key":"Problem with personal statement of dispute","doc_count":34}]}},{"key":"Written notification about debt","doc_count":1325,"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":862},{"key":"Didn't receive notice of right to dispute","doc_count":436},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":27}]}},{"key":"False statements or representation","doc_count":1060,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1011},{"key":"Indicated you were committing crime by not paying debt","doc_count":25},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":20},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":4}]}},{"key":"Took or threatened to take negative or legal action","doc_count":300,"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":202},{"key":"Sued you without properly notifying you of lawsuit","doc_count":32},{"key":"Threatened to sue you for very old debt","doc_count":24},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":21},{"key":"Collected or attempted to collect exempt funds","doc_count":9},{"key":"Seized or attempted to seize your property","doc_count":9},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":151,"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":109},{"key":"Problem getting your free annual credit report","doc_count":42}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":145,"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":67},{"key":"Didn't receive services that were advertised","doc_count":30},{"key":"Billing dispute for services","doc_count":29},{"key":"Problem with product or service terms changing","doc_count":16},{"key":"Received unwanted marketing or advertising","doc_count":3}]}},{"key":"Repossession","doc_count":131,"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":55},{"key":"Deficiency balance after repossession","doc_count":20},{"key":"Voluntary repossession","doc_count":14},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":9},{"key":"Lender trying to repossess or disable the vehicle","doc_count":9},{"key":"Company explaining amount owed","doc_count":8},{"key":"Account reinstatement or redemption after repossession","doc_count":7},{"key":"Notice to repossess","doc_count":6},{"key":"Company communicating payment assistance or payment extension options","doc_count":3}]}},{"key":"Getting a credit card","doc_count":129,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":73},{"key":"Application denied","doc_count":47},{"key":"Card opened as result of identity theft or fraud","doc_count":5},{"key":"Delay in processing application","doc_count":4}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":123,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":90,"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":40},{"key":"Frequent or repeated calls","doc_count":27},{"key":"Used obscene, profane, or other abusive language","doc_count":16},{"key":"Called before 8am or after 9pm","doc_count":6},{"key":"Called after sent written cease of comm","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":85,"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":56},{"key":"Investigation took more than 30 days","doc_count":13},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":6},{"key":"Was not notified of investigation status or results","doc_count":6},{"key":"Problem with personal statement of dispute","doc_count":4}]}},{"key":"Dealing with your lender or servicer","doc_count":70,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":43},{"key":"Trouble with how payments are being handled","doc_count":11},{"key":"Don't agree with the fees charged","doc_count":6},{"key":"Need information about your loan balance or loan terms","doc_count":5},{"key":"Problem with customer service","doc_count":5}]}},{"key":"Closing your account","doc_count":62,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":57},{"key":"Can't close your account","doc_count":5}]}},{"key":"Incorrect information on credit report","doc_count":54,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":19},{"key":"Public record","doc_count":13},{"key":"Account status","doc_count":8},{"key":"Account terms","doc_count":7},{"key":"Reinserted previously deleted info","doc_count":6},{"key":"Personal information","doc_count":1}]}},{"key":"Electronic communications","doc_count":49,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":30},{"key":"You told them to stop contacting you, but they keep trying","doc_count":18},{"key":"Contacted before 8am or after 9pm","doc_count":1}]}},{"key":"Opening an account","doc_count":45,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":31},{"key":"Account opened without my consent or knowledge","doc_count":11},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Confusing or missing disclosures","doc_count":1},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":44,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":21},{"key":"Loan opened without my consent or knowledge","doc_count":13},{"key":"Fraudulent loan","doc_count":3},{"key":"Changes in terms mid-deal or after closing","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":2},{"key":"High-pressure sales tactics","doc_count":2},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":43,"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":25},{"key":"Contacted you after you asked them to stop","doc_count":12},{"key":"Contacted you instead of your attorney","doc_count":5},{"key":"Contacted your employer","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":38,"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":28},{"key":"Card was charged for something you did not purchase with the card","doc_count":10}]}},{"key":"Managing the loan or lease","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":19},{"key":"Problem with additional products or services purchased with the loan","doc_count":6},{"key":"Loan sold or transferred to another company","doc_count":5},{"key":"Problem with fees charged","doc_count":4},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":22},{"key":"Privacy issues","doc_count":6},{"key":"Credit card company forcing arbitration","doc_count":4},{"key":"Problem with customer service","doc_count":2},{"key":"Problem with balance transfer","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":31,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":10},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":7},{"key":"Escrow, taxes, or insurance","doc_count":5},{"key":"Paying off the loan","doc_count":2}]}},{"key":"Disclosure verification of debt","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":20},{"key":"Right to dispute notice not received","doc_count":7}]}},{"key":"Credit reporting company's investigation","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"No notice of investigation status/result","doc_count":12},{"key":"Investigation took too long","doc_count":8},{"key":"Problem with statement of dispute","doc_count":6}]}},{"key":"Managing an account","doc_count":26,"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":9},{"key":"Deposits and withdrawals","doc_count":6},{"key":"Banking errors","doc_count":4},{"key":"Problem accessing account","doc_count":3},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Cashing a check","doc_count":1},{"key":"Funds not handled or disbursed as instructed","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"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":8},{"key":"Foreclosure","doc_count":6},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":3},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":3}]}},{"key":"Trouble using your card","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":14},{"key":"Can't use card to make purchases","doc_count":8},{"key":"Account sold or transferred to another company","doc_count":1}]}},{"key":"Problem when making payments","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":12}]}},{"key":"Problems at the end of the loan or lease","doc_count":20,"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":8},{"key":"Problem with paying off the loan","doc_count":5},{"key":"Problem while selling or giving up the vehicle","doc_count":3},{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":2},{"key":"Termination fees or other problem when ending the lease early","doc_count":2}]}},{"key":"Struggling to repay your loan","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":12},{"key":"Bankruptcy","doc_count":3},{"key":"Problem with your payment plan","doc_count":3},{"key":"Can't get other flexible options for repaying your loan","doc_count":1},{"key":"Can't temporarily delay making payments","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fees or interest","doc_count":15,"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":3},{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Getting the loan","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":9},{"key":"Fees charged for closing account","doc_count":2},{"key":"Funds not received from closed account","doc_count":2},{"key":"Can't close your account","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":10,"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":8},{"key":"Didn't receive advertised or promotional terms","doc_count":2}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Negative impact of inaccurate appraisal","doc_count":2},{"key":"Application denials","doc_count":1},{"key":"Changes in loan terms during the application process","doc_count":1},{"key":"Confusing or misleading advertising or marketing","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":"Charged upfront or unexpected fees","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a line of credit","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your bill","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":8}]}},{"key":"Struggling to pay your loan","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":1},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1},{"key":"Problem after you declared or threatened to declare bankruptcy","doc_count":1}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":4},{"key":"Debt was paid","doc_count":2},{"key":"Debt resulted from identity theft","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":5,"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":5,"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":"Billing dispute for services","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Problem with customer service","doc_count":5,"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":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":2},{"key":"Changes in loan terms during or after closing","doc_count":1}]}},{"key":"Improper use of my credit report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":4}]}},{"key":"Problem caused by your funds being low","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":2},{"key":"Overdrafts and overdraft fees","doc_count":2}]}},{"key":"Unauthorized withdrawals or charges","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan payment wasn't credited to your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":3}]}},{"key":"Problem with additional add-on products or services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied loan","doc_count":2}]}},{"key":"Loan modification,collection,foreclosure","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Received a loan you didn't apply for","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing/Cancelling account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit limit changed","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":"Having problems with customer service","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper contact or sharing of info","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third party about my debt","doc_count":1}]}},{"key":"Other","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":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems when you are unable to pay","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"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":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":83645,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":83325},{"key":"No","doc_count":320}]}},"company_response":{"doc_count":83645,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":47397},{"key":"Closed with non-monetary relief","doc_count":36097},{"key":"Untimely response","doc_count":110},{"key":"Closed with monetary relief","doc_count":35},{"key":"In progress","doc_count":4},{"key":"Closed","doc_count":2}]}},"submitted_via":{"doc_count":83645,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":83645}]}},"company":{"doc_count":83645,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":25453},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":25046},{"key":"Experian Information Solutions Inc.","doc_count":20188},{"key":"LEXISNEXIS","doc_count":659},{"key":"Resurgent Capital Services L.P.","doc_count":623},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":539},{"key":"CBC Companies, Inc.","doc_count":401},{"key":"Portfolio Recovery Associates, LLC","doc_count":385},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":335},{"key":"CL Holdings LLC","doc_count":267},{"key":"CITIBANK, N.A.","doc_count":257},{"key":"DISCOVER BANK","doc_count":251},{"key":"JPMORGAN CHASE & CO.","doc_count":248},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":239},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":236},{"key":"WELLS FARGO & COMPANY","doc_count":217},{"key":"SYNCHRONY FINANCIAL","doc_count":212},{"key":"Bread Financial Holdings, Inc.","doc_count":202},{"key":"AMERICAN EXPRESS COMPANY","doc_count":200},{"key":"CCS Financial Services, Inc.","doc_count":159},{"key":"Nelnet, Inc.","doc_count":151},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":142},{"key":"ALLY FINANCIAL INC.","doc_count":140},{"key":"Self Financial Inc.","doc_count":140},{"key":"Early Warning Services, LLC","doc_count":130},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":130},{"key":"I.C. System, Inc.","doc_count":126},{"key":"National Credit Systems,Inc.","doc_count":117},{"key":"Affirm Holdings, Inc","doc_count":116},{"key":"GOLDMAN SACHS BANK USA","doc_count":111},{"key":"Kikoff Inc.","doc_count":103},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":101},{"key":"TRANSWORLD SYSTEMS INC","doc_count":97},{"key":"TD BANK US HOLDING COMPANY","doc_count":96},{"key":"BARCLAYS BANK DELAWARE","doc_count":92},{"key":"Spring Oaks Capital, LLC","doc_count":91},{"key":"Kriya Capital, LLC","doc_count":90},{"key":"Maximus Federal Services, Inc.","doc_count":79},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":78},{"key":"Bridgecrest Acceptance Corporation","doc_count":77},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":77},{"key":"OneMain Finance Corporation","doc_count":77},{"key":"MOHELA","doc_count":73},{"key":"Westlake Services, LLC","doc_count":72},{"key":"Exeter Finance, LLC.","doc_count":68},{"key":"U.S. BANCORP","doc_count":65},{"key":"General Motors Financial Company, Inc.","doc_count":62},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":62},{"key":"CORELOGIC INC","doc_count":59},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":59},{"key":"National Credit Adjusters, LLC","doc_count":54},{"key":"EdFinancial Services","doc_count":53},{"key":"HW Holding, Inc","doc_count":52},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":52},{"key":"ID Analytics, Inc.","doc_count":51},{"key":"T.S. Holdings","doc_count":50},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":49},{"key":"Southwest Credit Systems, L.P.","doc_count":47},{"key":"W&A Intermediate Co., LLC","doc_count":47},{"key":"CLGF Holdco 1, LLC","doc_count":46},{"key":"NCB Management Services Inc.","doc_count":46},{"key":"Radius Global Solutions LLC","doc_count":45},{"key":"Global Lending Services LLC","doc_count":42},{"key":"Aldous & Associates, PLLC","doc_count":41},{"key":"CarMax, Inc.","doc_count":41},{"key":"ProCollect, Inc.","doc_count":39},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":36},{"key":"American Credit Acceptance, LLC","doc_count":35},{"key":"Source Receivables Management LLC","doc_count":34},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":34},{"key":"Amsher Collection Services, Inc.","doc_count":33},{"key":"Harris & Harris, Ltd.","doc_count":33},{"key":"World Acceptance Corporation","doc_count":33},{"key":"ACIMA CREDIT, LLC","doc_count":32},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":32},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":32},{"key":"PNC Bank N.A.","doc_count":32},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":31},{"key":"NRA Group, LLC","doc_count":31},{"key":"Absolute Resolutions Corp.","doc_count":30},{"key":"Upstart Holdings, Inc.","doc_count":30},{"key":"Velocity Portfolio Group","doc_count":30},{"key":"Credit Control, LLC","doc_count":29},{"key":"Navient Solutions, LLC.","doc_count":29},{"key":"ERC","doc_count":28},{"key":"Opportunity Financial, LLC","doc_count":28},{"key":"Synovus Bank","doc_count":28},{"key":"UPGRADE, INC.","doc_count":28},{"key":"Ability Recovery Services, LLC","doc_count":27},{"key":"TrueAccord Corp.","doc_count":27},{"key":"V and H Portfolio","doc_count":27},{"key":"Servicer under contract with Federal Student Aid","doc_count":26},{"key":"Shellpoint Partners, LLC","doc_count":26},{"key":"Cascade CISS Holdings, LLC","doc_count":25},{"key":"Possible Financial Inc","doc_count":25},{"key":"Security Credit Services, LLC","doc_count":25},{"key":"Sequium Asset Solutions, LLC","doc_count":25},{"key":"Aargon Agency, Inc.","doc_count":24},{"key":"BTH Management","doc_count":24},{"key":"Consumer Portfolio Services, Inc.","doc_count":24},{"key":"Credit Corp Solutions Inc.","doc_count":24},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":23},{"key":"Advanced Resolution Services Inc.","doc_count":23},{"key":"Continental Finance Company, LLC","doc_count":23},{"key":"Zions Debt Holdings","doc_count":23},{"key":"Army and Air Force Exchange Service","doc_count":22},{"key":"LCI Acquisition Inc.","doc_count":22},{"key":"MoneyLion Inc.","doc_count":22},{"key":"Bull City Financial Solutions, Inc","doc_count":21},{"key":"Capio Partners, LLC","doc_count":21},{"key":"FC HoldCo LLC","doc_count":21},{"key":"RentDebt Automated Collections, LLC","doc_count":21},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":20},{"key":"Mercedes Benz Financial Services","doc_count":20},{"key":"ONLINE Information Services, Inc.","doc_count":20},{"key":"VW Credit","doc_count":20},{"key":"AES/PHEAA","doc_count":19},{"key":"Central Portfolio Control Inc.","doc_count":18},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":18},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":18},{"key":"Medical Data Systems, Inc.","doc_count":18},{"key":"TekCollect Inc.","doc_count":18},{"key":"Atlanticus Services Corporation","doc_count":17},{"key":"BMW Financial Services NA, LLC","doc_count":17},{"key":"Collection Management Holdings, LLC","doc_count":17},{"key":"Consumer Adjustment Company Incorporated","doc_count":17},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":17},{"key":"FISERV FINXACT CORE","doc_count":17},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":17},{"key":"AmeriCollect","doc_count":16},{"key":"Checkr, Inc","doc_count":16},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":16},{"key":"FORD MOTOR CREDIT CO.","doc_count":16},{"key":"LJ Ross Associates","doc_count":16},{"key":"Lendmark Financial Services","doc_count":16},{"key":"Monterey Financial Services LLC","doc_count":16},{"key":"The Receivable Management Services LLC","doc_count":16},{"key":"Avant Holding Company, Inc.","doc_count":15},{"key":"Bounce AI, Inc.","doc_count":15},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":15},{"key":"Halsted Financial Services, LLC.","doc_count":15},{"key":"Kovo","doc_count":15},{"key":"MARINER FINANCE, LLC","doc_count":15},{"key":"Open Dealer Exchange, LLC","doc_count":15},{"key":"CONTRACT CALLERS INC","doc_count":14},{"key":"Convergent Resources, Inc.","doc_count":14},{"key":"Diversified Adjustment Service, Inc.","doc_count":14},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":14},{"key":"Ava Finance, Inc","doc_count":13},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":13},{"key":"Freedom Mortgage Company","doc_count":13},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":13},{"key":"SLM CORPORATION","doc_count":13},{"key":"United Revenue Corporation","doc_count":13},{"key":"Debt Recovery Solutions, LLC","doc_count":12},{"key":"Kimball, Tirey & St. John LLP","doc_count":12},{"key":"M&T BANK CORPORATION","doc_count":12},{"key":"Mr. Cooper Group Inc.","doc_count":12},{"key":"Phoenix Financial Services LLC","doc_count":12},{"key":"Rent Recovery Solutions","doc_count":12},{"key":"The Bureaus, Inc.","doc_count":12},{"key":"Commonwealth Financial Systems, Inc.","doc_count":11},{"key":"Santander Consumer USA Holdings Inc.","doc_count":11},{"key":"The CBE Group, Inc.","doc_count":11},{"key":"1st Franklin Financial Corporation","doc_count":10},{"key":"Chime Financial Inc","doc_count":10},{"key":"First Federal Credit Control, Inc.","doc_count":10},{"key":"Firstsource Business Process Services, LLC","doc_count":10},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":10},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":10},{"key":"Sunbit, Inc.","doc_count":10},{"key":"ZWICKER & ASSOCIATES","doc_count":10},{"key":"First Credit Services Inc.","doc_count":9},{"key":"FirstPoint Collection Resources","doc_count":9},{"key":"January Technologies, Inc","doc_count":9},{"key":"Marlette Funding, LLC","doc_count":9},{"key":"Medical-Commercial Audit Inc","doc_count":9},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":9},{"key":"Ocwen Financial Corporation","doc_count":9},{"key":"Oliphant United, Inc.","doc_count":9},{"key":"Regional Management Corporation","doc_count":9},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":9},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":9},{"key":"Synerprise Consulting Services, Inc.","doc_count":9},{"key":"Thaxton Investment Corporation","doc_count":9},{"key":"United PanAm Financial Corp.","doc_count":9},{"key":"Waypoint Resource Group, LLC","doc_count":9},{"key":"Byrider Franchising, LLC","doc_count":8},{"key":"CCF Intermediate Holdings LLC","doc_count":8},{"key":"CIG FINANCIAL LLC","doc_count":8},{"key":"Client Services, Inc.","doc_count":8},{"key":"Diversified Consultants, Inc.","doc_count":8},{"key":"Franklin Collection Service, Inc.","doc_count":8},{"key":"SUNCOAST CREDIT UNION","doc_count":8},{"key":"Sentry Credit, Inc.","doc_count":8},{"key":"AFNI INC.","doc_count":7},{"key":"Americas Car-Mart, Inc.","doc_count":7},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":7},{"key":"CMRE Financial Services, Inc.","doc_count":7},{"key":"CNG FINANCIAL CORPORATION","doc_count":7},{"key":"CURO Intermediate Holdings","doc_count":7},{"key":"CashRepublic Holdings, Inc.","doc_count":7},{"key":"Cedars Business Services, LLC","doc_count":7},{"key":"Colony Brands, Inc.","doc_count":7},{"key":"Conn's, Inc.","doc_count":7},{"key":"Credit Fresh Holdings Inc","doc_count":7},{"key":"FourLeaf Federal Credit Union","doc_count":7},{"key":"Jon Barry and Associates, Inc.","doc_count":7},{"key":"LOBEL FINANCIAL CORPORATION","doc_count":7},{"key":"MRS BPO, LLC","doc_count":7},{"key":"Professional Debt Mediation, Inc.","doc_count":7},{"key":"RAS LaVrar, LLC","doc_count":7},{"key":"RFNA, LP","doc_count":7},{"key":"Rocket Mortgage, LLC","doc_count":7},{"key":"STERLING JEWELERS, INC.","doc_count":7},{"key":"The CMI Group, Inc.","doc_count":7},{"key":"United Collection Bureau, Inc.","doc_count":7},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":7},{"key":"World Omni Financial Corp.","doc_count":7},{"key":"Adler Wallach & Associates, Inc.","doc_count":6},{"key":"American First Finance, Inc.","doc_count":6},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":6},{"key":"CCM Finance LLC","doc_count":6},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":6},{"key":"Choice Recovery, Inc.","doc_count":6},{"key":"Complete Credit Solutions, Inc.","doc_count":6},{"key":"Credit Systems International, Inc.","doc_count":6},{"key":"Creditors Bureau Associates","doc_count":6},{"key":"Denefits LLC","doc_count":6},{"key":"FIRST ADVANTAGE CORPORATION","doc_count":6},{"key":"Fig Tech Inc.","doc_count":6},{"key":"GREENSKY OPERATIONS, LLC","doc_count":6},{"key":"Harley Davidson Financial Services Inc","doc_count":6},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":6},{"key":"Io, Inc.","doc_count":6},{"key":"Larry H. Miller Group of Companies","doc_count":6},{"key":"Mercury Financial Intermediate LLC","doc_count":6},{"key":"One Source Technology","doc_count":6},{"key":"Receivables Performance Management, LLC","doc_count":6},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":6},{"key":"Sezzle Inc.","doc_count":6},{"key":"Stellantis Financial Services US Corp.","doc_count":6},{"key":"Summit A*R, Inc.","doc_count":6},{"key":"Tower Loan of Mississippi, Inc.","doc_count":6},{"key":"Transfinancial Companies, Inc","doc_count":6},{"key":"Verisk Analytics Inc","doc_count":6},{"key":"AXOS FINANCIAL, INC.","doc_count":5},{"key":"Alorica Inc.","doc_count":5},{"key":"American Coradius International LLC","doc_count":5},{"key":"Applied Data Finance, LLC","doc_count":5},{"key":"BROKER SOLUTIONS, INC.","doc_count":5},{"key":"Carvana Group, LLC","doc_count":5},{"key":"Central Research Inc","doc_count":5},{"key":"Clark County Collection Service","doc_count":5},{"key":"Credit Central Holdings, LLC","doc_count":5},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":5},{"key":"FactorTrust, Inc.","doc_count":5},{"key":"GFS II, LLC","doc_count":5},{"key":"GLA Collection Company, Inc.","doc_count":5},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":5},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":5},{"key":"International Computer Systems, Inc.","doc_count":5},{"key":"Klarna AB","doc_count":5},{"key":"LD Holdings Group, LLC","doc_count":5},{"key":"MIDFIRST BANK","doc_count":5},{"key":"Meridian Financial Services, Inc.","doc_count":5},{"key":"Optio Solutions, LLC","doc_count":5},{"key":"P&B Capital Group, LLC","doc_count":5},{"key":"PLANET HOME LENDING, LLC","doc_count":5},{"key":"Park Hill Holdings","doc_count":5},{"key":"Penn Credit Corporation","doc_count":5},{"key":"Premium Credit Bureau","doc_count":5},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":5},{"key":"Rausch Sturm LLP","doc_count":5},{"key":"Receivables Management Partners, LLC","doc_count":5},{"key":"ResidentCollect, Inc.","doc_count":5},{"key":"Revco Management, LLC","doc_count":5},{"key":"SCA Collections, Inc.","doc_count":5},{"key":"SECURITY FINANCE CORP","doc_count":5},{"key":"SinglePoint GI","doc_count":5},{"key":"Synergetic Communication Inc","doc_count":5},{"key":"WHEELS FINANCIAL GROUP, LLC.","doc_count":5},{"key":"Williams & Fudge, Inc","doc_count":5},{"key":"Williams, Rush & Associates, LLC","doc_count":5},{"key":"Yamaha Motor Finance Corporation USA","doc_count":5},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":4},{"key":"AR Resources, Inc.","doc_count":4},{"key":"ATG Credit, LLC","doc_count":4},{"key":"Capital Management Services, LP","doc_count":4},{"key":"Climb Credit Inc.","doc_count":4},{"key":"DigniFi","doc_count":4},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":4},{"key":"Duvera Billing Services, LLC","doc_count":4},{"key":"EGL US, LLC","doc_count":4},{"key":"Eastern Revenue, Inc.","doc_count":4},{"key":"Eaton Group Attorneys LLC","doc_count":4},{"key":"Entrata Inc.","doc_count":4},{"key":"First Financial Resources, Inc.","doc_count":4},{"key":"Grain Technology, Inc.","doc_count":4},{"key":"Harvard Collections, LLC","doc_count":4},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":4},{"key":"IQOR US INC","doc_count":4},{"key":"Innovis","doc_count":4},{"key":"Johnson Mark LLC","doc_count":4},{"key":"LANIER COLLECTIONS AGENCY AND SERVICES INC","doc_count":4},{"key":"LoanCare, LLC","doc_count":4},{"key":"Loqbox US Inc","doc_count":4},{"key":"MECHANICS BANK","doc_count":4},{"key":"Merchants Adjustment Service, Inc.","doc_count":4},{"key":"Midwest Fidelity Services, LLC","doc_count":4},{"key":"Millco Management","doc_count":4},{"key":"Mobiloans, LLC","doc_count":4},{"key":"Monarch Recovery Holdings, Inc.","doc_count":4},{"key":"Pressler & Pressler, LLP","doc_count":4},{"key":"Prince Parker & Associates","doc_count":4},{"key":"Professional Recovery Management","doc_count":4},{"key":"Profit Services Group","doc_count":4},{"key":"R & B Corporation of Virginia","doc_count":4},{"key":"Reliant Capital Solutions, LLC","doc_count":4},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":4},{"key":"Sentry Recovery and Collections, Inc.","doc_count":4},{"key":"Sequoia Financial Services","doc_count":4},{"key":"Skopos Financial, LLC","doc_count":4},{"key":"The Best Service Co.,Inc","doc_count":4},{"key":"The Law Offices of Mitchell D. Bluhm & Associates","doc_count":4},{"key":"Trident Asset Management, L.L.C.","doc_count":4},{"key":"VANDERBILT MORTGAGE & FINANCE, INC","doc_count":4},{"key":"VYSTAR CREDIT UNION","doc_count":4},{"key":"Veros Credit, LLC","doc_count":4},{"key":"A & O Recovery Solutions, LLC","doc_count":3},{"key":"ALCHRO INC.","doc_count":3},{"key":"ALLIANT CREDIT UNION","doc_count":3},{"key":"ARS National Services, Inc.","doc_count":3},{"key":"AVANTE","doc_count":3},{"key":"Account Resolution Corporation","doc_count":3},{"key":"Advance America, Cash Advance Centers, Inc.","doc_count":3},{"key":"Aldridge PIte Haan, LLP","doc_count":3},{"key":"AmeriHome Mortgage Company, LLC","doc_count":3},{"key":"American Accounts & Advisers, Inc.","doc_count":3},{"key":"Aqua Finance, Inc.","doc_count":3},{"key":"Asset Management Outsourcing, Inc.","doc_count":3},{"key":"Bay Area Receivables, Inc","doc_count":3},{"key":"Bepensa Capital, Inc.","doc_count":3},{"key":"Braviant Holdings, LLC","doc_count":3},{"key":"CARCO Group, Inc.","doc_count":3},{"key":"Collection Bureau of the Hudson Valley, Inc.","doc_count":3},{"key":"Concord Servicing Corporation","doc_count":3},{"key":"Credit Karma, LLC","doc_count":3},{"key":"Diverse Funding Associates LLC","doc_count":3},{"key":"DriveTime","doc_count":3},{"key":"Driveway Finance Corporation","doc_count":3},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":3},{"key":"Financial Recovery Services, Inc.","doc_count":3},{"key":"Granite Edvance Corporation","doc_count":3},{"key":"Grant & Weber","doc_count":3},{"key":"Grow Credit Inc","doc_count":3},{"key":"Guild Holdings Company","doc_count":3},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":3},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":3},{"key":"Happy Money, Inc.","doc_count":3},{"key":"HireRight Solutions, Inc.","doc_count":3},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":3},{"key":"Key 2 Recovery, Inc.","doc_count":3},{"key":"Law Office of Michael J. Scott, PC","doc_count":3},{"key":"Law Offices of Robert J. Colclough, III","doc_count":3},{"key":"Meade & Associates, Inc.","doc_count":3},{"key":"Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates","doc_count":3},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":3},{"key":"Merchants and Professional Bureau, Inc.","doc_count":3},{"key":"Mid-Atlantic Finance Co., Inc.","doc_count":3},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":3},{"key":"OUT TECH, INC.","doc_count":3},{"key":"Professional Collection Service Inc (GA)","doc_count":3},{"key":"Prosper Marketplace, Inc.","doc_count":3},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":3},{"key":"Reliable Credit Association, Inc.","doc_count":3},{"key":"RockLoans Holdings LLC","doc_count":3},{"key":"Rubin & Rothman, LLC","doc_count":3},{"key":"SUN LOAN COMPANY INC.","doc_count":3},{"key":"Scott Fetzer Financial Group Inc.","doc_count":3},{"key":"Servicing Solutions, LLC","doc_count":3},{"key":"Shepherd Outsourcing, LLC","doc_count":3},{"key":"Simon's Agency, Inc.","doc_count":3},{"key":"Southwest Recovery Services, Inc.","doc_count":3},{"key":"Steel River Systems, LLC","doc_count":3},{"key":"The Outsource Group, Inc","doc_count":3},{"key":"United Shore Financial Services, LLC","doc_count":3},{"key":"Valon Technologies, Inc.","doc_count":3},{"key":"Weltman, Weinberg & Reis Co., L.P.A.","doc_count":3},{"key":"Westcreek Financial","doc_count":3},{"key":"Western-Shamrock Corporation","doc_count":3},{"key":"YSA ARM LLC DBA Oxygen XL","doc_count":3},{"key":"2288984 Ontario Inc.","doc_count":2},{"key":"ACXIOM CORP.","doc_count":2},{"key":"ADIR INTERNATIONAL LLC","doc_count":2},{"key":"ARVEST BANK GROUP, INC.","doc_count":2},{"key":"AUTOMOTIVE CREDIT CORPORATION","doc_count":2},{"key":"Access Receivables of NC Inc.","doc_count":2},{"key":"Accurate Background","doc_count":2},{"key":"Action Revenue Recovery, LLC","doc_count":2},{"key":"Ad Astra Recovery Services Inc","doc_count":2},{"key":"Admin Recovery, LLC","doc_count":2},{"key":"Alliance One, Inc.","doc_count":2},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":2},{"key":"American Collections Enterprise, Inc.","doc_count":2},{"key":"Apelles, LLC","doc_count":2},{"key":"Applied Business Services, Inc.","doc_count":2},{"key":"Arcon Credit Solutions LLC","doc_count":2},{"key":"Arivo Acceptance, LLC","doc_count":2},{"key":"Associated Credit Services, Inc.","doc_count":2},{"key":"Avadyne Health Holdings, Inc","doc_count":2},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":2},{"key":"BCI FINANCIAL GROUP, INC.","doc_count":2},{"key":"Blitt and Gaines, P.C.","doc_count":2},{"key":"Block, Inc.","doc_count":2},{"key":"Bridge IT, Inc.","doc_count":2},{"key":"Brightwater Capital, LLC","doc_count":2},{"key":"CAC Financial Corp","doc_count":2},{"key":"CARS Acquisition, LLC","doc_count":2},{"key":"COLLECTECH DIVERSIFIED, INC.","doc_count":2},{"key":"COOLEY ENTERPRISES INC","doc_count":2},{"key":"CREDIT WORLD SERVICES, INC.","doc_count":2},{"key":"Capstone Credit & Collection, LLC.","doc_count":2},{"key":"Carter-Young, Inc.","doc_count":2},{"key":"Certified Credit Reporting, Inc.","doc_count":2},{"key":"Collection Bureau of America Ltd.","doc_count":2},{"key":"College Ave Student Loan Servicing, LLC","doc_count":2},{"key":"Commercial Acceptance Company","doc_count":2},{"key":"Consumer Collection Management. Inc","doc_count":2},{"key":"Contemporary Information Corp","doc_count":2},{"key":"Credit Bureau Systems, Inc., Paducah, KY Branch","doc_count":2},{"key":"Credit Card Acquisitions Group","doc_count":2},{"key":"Credit Service International Corp","doc_count":2},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":2},{"key":"DIRECMANAGEMENT, INC.","doc_count":2},{"key":"DataMax Corporation","doc_count":2},{"key":"EOS Holdings, Inc.","doc_count":2},{"key":"Express Collections, Inc.","doc_count":2},{"key":"Exto Inc.","doc_count":2},{"key":"F.H. Cann & Associates, Inc.","doc_count":2},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":2},{"key":"FIRSTBANK PUERTO RICO","doc_count":2},{"key":"Fay Servicing, LLC","doc_count":2},{"key":"Financial Assistance Inc","doc_count":2},{"key":"Financial Business and Consumer Solutions.","doc_count":2},{"key":"Financial Credit Network Inc","doc_count":2},{"key":"First Help Financial, LLC","doc_count":2},{"key":"FirstKey Holdings, LLC","doc_count":2},{"key":"Flagstar Bank, N.A.","doc_count":2},{"key":"GFS, Inc.","doc_count":2},{"key":"Glasser and Glasser, PLC","doc_count":2},{"key":"Goal Structured Solutions, LLC","doc_count":2},{"key":"Great American Finance Co","doc_count":2},{"key":"Gurstel Law Firm, P.C.","doc_count":2},{"key":"HEAD MERCANTILE CO., INC.","doc_count":2},{"key":"InDebted Corporation","doc_count":2},{"key":"J J Marshall & Associates, Inc","doc_count":2},{"key":"Javitch, Block & Rathbone LLC","doc_count":2},{"key":"KEYCORP","doc_count":2},{"key":"Kansas Counselors, Inc.","doc_count":2},{"key":"Keynote Consulting, Inc.","doc_count":2},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":2},{"key":"Knight Adjustment Bureau","doc_count":2},{"key":"Kora Financial","doc_count":2},{"key":"LCS FINANCIAL SERVICES CORPORATION","doc_count":2},{"key":"LTD Financial Services, L.P.","doc_count":2},{"key":"Law Office of Brett M. Borland, P.C.","doc_count":2},{"key":"Leafy Financial, LLC","doc_count":2},{"key":"LendingPoint Holdings LLC","doc_count":2},{"key":"Lentegrity Management, LLC","doc_count":2},{"key":"MCT GROUP INC.","doc_count":2},{"key":"MEI AUTO FINANCE INC","doc_count":2},{"key":"MID FLORIDA FINANCING LLC","doc_count":2},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":2},{"key":"Malen & Associates, p.c.","doc_count":2},{"key":"Mandarich Law Group, LLP","doc_count":2},{"key":"Marauder Corporation","doc_count":2},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":2},{"key":"Merchants Acceptance Corp","doc_count":2},{"key":"Messerli & Kramer P.A.","doc_count":2},{"key":"Midwest Recovery Systems","doc_count":2},{"key":"Mutual Management Services LLC","doc_count":2},{"key":"NEW CITY FUNDING CORP.","doc_count":2},{"key":"National Collection Systems, Inc.","doc_count":2},{"key":"National Debt Holdings, LLC","doc_count":2},{"key":"National Healthcare Collections, LLC","doc_count":2},{"key":"National Recovery Solutions, LLC","doc_count":2},{"key":"Nationwide Capital Services, LLC","doc_count":2},{"key":"Nationwide Credit & Collection, Inc.","doc_count":2},{"key":"Nelson Cruz & Associates LLC","doc_count":2},{"key":"OKX INC.","doc_count":2},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":2},{"key":"ORG GC GP BUYER, LLC","doc_count":2},{"key":"Opportunity Fund","doc_count":2},{"key":"PREFERRED CREDIT INC","doc_count":2},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":2},{"key":"Paramount GR Holdings, LLC","doc_count":2},{"key":"Paramount Recovery Systems, L.P.","doc_count":2},{"key":"PatientFi, Inc.","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"Pollack & Rosen, P.A.","doc_count":2},{"key":"QUALITY ACCEPTANCE LLC","doc_count":2},{"key":"R.M. Galicia, Inc.","doc_count":2},{"key":"RMS-Recovery Management Services, Inc.","doc_count":2},{"key":"RS Clark and Associates, Inc.","doc_count":2},{"key":"Receivables Management Corporation","doc_count":2},{"key":"Recovery One, LLC","doc_count":2},{"key":"Red White and Blue Autos, Inc.","doc_count":2},{"key":"Roadrunner Account Services, LLC","doc_count":2},{"key":"Round Up Ventures, L.P.","doc_count":2},{"key":"SHABANA MOTORS","doc_count":2},{"key":"SameDay Auto Finance, LLC","doc_count":2},{"key":"Sarma","doc_count":2},{"key":"Saturn Systems, Inc","doc_count":2},{"key":"Selene Holdings LLC","doc_count":2},{"key":"Selip & Stylianou, LLP","doc_count":2},{"key":"Sensible Auto Lending, LLC","doc_count":2},{"key":"Solar Mosaic LLC","doc_count":2},{"key":"Southern Management Systems Inc.","doc_count":2},{"key":"Sparrow Financial, Inc.","doc_count":2},{"key":"Specialized Collection Systems, Inc.","doc_count":2},{"key":"Starmark Financial LLC","doc_count":2},{"key":"Steel Lending Group LLC","doc_count":2},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":2},{"key":"Strategic Alliances, Inc.","doc_count":2},{"key":"Telerecovery Corporation","doc_count":2},{"key":"Terrill Outsourcing Group","doc_count":2},{"key":"The Aligned Company DBA Extra","doc_count":2},{"key":"TomoCredit Inc.","doc_count":2},{"key":"Transform Credit Inc.","doc_count":2},{"key":"TriVerity, Inc.","doc_count":2},{"key":"Unisa, Inc","doc_count":2},{"key":"United Resource Systems, Inc","doc_count":2},{"key":"Universal Payment Corporation","doc_count":2},{"key":"Valor Intelligent Processing, LLC","doc_count":2},{"key":"Village Capital & Investment LLC","doc_count":2},{"key":"Webcollex, LLC","doc_count":2},{"key":"William D. Meeker Enterprises, Inc.","doc_count":2},{"key":"Winklevoss Exchange LLC","doc_count":2},{"key":"ZIONS BANCORPORATION","doc_count":2},{"key":"Zarzaur and Schwartz, PC","doc_count":2},{"key":"950 Credit Inc","doc_count":1},{"key":"AAA Auto Title Loans, LLC","doc_count":1},{"key":"ABSOLUTE CREDIT  LLC","doc_count":1},{"key":"ALCAR INC.","doc_count":1},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"AUSSRQ Holdings, LLC","doc_count":1},{"key":"Above Lending, Inc.","doc_count":1},{"key":"Access Credit Management, Inc.","doc_count":1},{"key":"Account Recovery Specialists, Inc.","doc_count":1},{"key":"Accscient, LLC","doc_count":1},{"key":"Adelante, Inc","doc_count":1},{"key":"Advance Bureau of Collections","doc_count":1},{"key":"Advanced Collection Bureau, Inc.","doc_count":1},{"key":"Advantage Credit, Inc.","doc_count":1},{"key":"Affiliated Management Services","doc_count":1},{"key":"Agency of Credit Control","doc_count":1},{"key":"Allgate Financial, LLC","doc_count":1},{"key":"American Capital Enterprises, Inc.","doc_count":1},{"key":"American Finance LLC","doc_count":1},{"key":"American Profit Recovery, Inc., Marlborough, MA Branch","doc_count":1},{"key":"American Recovery Service Incorporated","doc_count":1},{"key":"AppFolio, Inc.","doc_count":1},{"key":"Arbor Professional Solutions, Inc.","doc_count":1},{"key":"Ardmore Finance Corporation","doc_count":1},{"key":"Armcon Corp","doc_count":1},{"key":"Ascendium Education Group","doc_count":1},{"key":"Aspen National Financial, Inc.","doc_count":1},{"key":"Asset Recovery Bureau LLC","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Atlas Credit Company, Inc.","doc_count":1},{"key":"Augusta Collection Agency, Inc.","doc_count":1},{"key":"AutoMoney, Inc.","doc_count":1},{"key":"Avid Acceptance, LLC","doc_count":1},{"key":"BALANCED HEALTHCARE RECEIVABLES, LLC","doc_count":1},{"key":"BANCFIRST CORPORATION","doc_count":1},{"key":"BBVA FINANCIAL CORPORATION","doc_count":1},{"key":"BC SERVICES, INC.","doc_count":1},{"key":"BLINCLOANS, INC.","doc_count":1},{"key":"BOC Capital Corp.","doc_count":1},{"key":"BOK FINANCIAL CORP","doc_count":1},{"key":"Backgrounds Online","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"BetterNOI, LLC","doc_count":1},{"key":"Bilt Technologies, Inc.","doc_count":1},{"key":"Bliksum, LLC","doc_count":1},{"key":"Branch Messenger, Inc.","doc_count":1},{"key":"Bright Capital 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":"CAPITAL RESOURCE MANAGEMENT, INC.","doc_count":1},{"key":"CHALLENGE FINANCIAL SERVICES","doc_count":1},{"key":"CHN Housing Partners","doc_count":1},{"key":"CMCS, Inc. DBA Central Mercantile Collection Services","doc_count":1},{"key":"COLLECTIONS UNLIMITED OF TEXAS INC","doc_count":1},{"key":"COLUMBIA BANKING SYSTEM, INC.","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"CRE Credit Services","doc_count":1},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":1},{"key":"CUSTOMERS BANCORP, INC","doc_count":1},{"key":"Cactus Jacks Auto Sales","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Capital Accounts, LLC","doc_count":1},{"key":"Car Credit Finance, LLC","doc_count":1},{"key":"Car World Group","doc_count":1},{"key":"Cascade Capital, LLC","doc_count":1},{"key":"Cascade Collections, Inc.","doc_count":1},{"key":"Ceannate","doc_count":1},{"key":"Central States Recovery, Inc.","doc_count":1},{"key":"Certegy Holdings, LLC","doc_count":1},{"key":"Cheadle Law Firm","doc_count":1},{"key":"Clasp Group, Inc.","doc_count":1},{"key":"Coast 2 Coast Financial Group, LLC","doc_count":1},{"key":"Collection Bureau of Fort Walton Beach, Inc","doc_count":1},{"key":"Collection Consultants of California","doc_count":1},{"key":"Collection Professionals, Inc.","doc_count":1},{"key":"Collection Service of Nevada","doc_count":1},{"key":"Collins Asset Group, LLC","doc_count":1},{"key":"Columbia Collection Service, Inc.","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"Concentric Receivables Management, Ltd.","doc_count":1},{"key":"Consumer Attorneys of America, P.A.","doc_count":1},{"key":"Cooling & Winter LLC","doc_count":1},{"key":"Cornerstone Holdings, Inc.","doc_count":1},{"key":"Cottonwood Financial Ltd.","doc_count":1},{"key":"Courtesy Loans of Oklahoma LLC.","doc_count":1},{"key":"Credee Corporation","doc_count":1},{"key":"Credible Labs Inc.","doc_count":1},{"key":"Credit Center, LLC","doc_count":1},{"key":"Credit Service Company, INC","doc_count":1},{"key":"Cross America Financial LLC","doc_count":1},{"key":"CrossCheck, Inc.","doc_count":1},{"key":"CrossCountry Mortgage LLC","doc_count":1},{"key":"D&A Services, LLC","doc_count":1},{"key":"Data Mortgage Inc.","doc_count":1},{"key":"Debt Co LLC","doc_count":1},{"key":"Debt Management Incorporated","doc_count":1},{"key":"Deinde Online Services, LLC","doc_count":1},{"key":"Denali Capital Holdings, LLC","doc_count":1},{"key":"Designed Receivable Solutions, Inc.","doc_count":1},{"key":"DreamSpring","doc_count":1},{"key":"E-Backgroundchecks.com, Inc.","doc_count":1},{"key":"EA Holdings Corp.","doc_count":1},{"key":"ECredable","doc_count":1},{"key":"EMCC Holdings, LLC","doc_count":1},{"key":"EXCEL FINANCE COMPANY","doc_count":1},{"key":"Eagle Financial Services, Inc.","doc_count":1},{"key":"Earnest Inc.","doc_count":1},{"key":"Elevate Recoveries, LLC","doc_count":1},{"key":"Equidata, Inc.","doc_count":1},{"key":"Essential Lending Inc","doc_count":1},{"key":"FCC Finance, LLC","doc_count":1},{"key":"FDR Asset USA LTD","doc_count":1},{"key":"FEDChex Recovery, LLC","doc_count":1},{"key":"FIRST FINANCIAL BANCORP","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":"Fairway Capital Recovery, LLC","doc_count":1},{"key":"Federal Adjustment Bureau, Inc.","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Finance System of Green Bay, Inc.","doc_count":1},{"key":"Financial Accounts Service Team Inc.","doc_count":1},{"key":"First Associates Loan Servicing LLC","doc_count":1},{"key":"First Data Corporation","doc_count":1},{"key":"First Investors Servicing Corporation, Atlanta, GA Branch","doc_count":1},{"key":"First National Collection Bureau, Inc.","doc_count":1},{"key":"First Technology Federal Credit Union","doc_count":1},{"key":"Focus Holding Company","doc_count":1},{"key":"Forest Recovery Services LLC","doc_count":1},{"key":"Forster & Garbus LLP","doc_count":1},{"key":"Fradkin & Weber PA","doc_count":1},{"key":"Freeway Funding, Inc.","doc_count":1},{"key":"Frontline Asset Strategies, LLC","doc_count":1},{"key":"Frost-Arnett Company","doc_count":1},{"key":"Fundo LLC","doc_count":1},{"key":"GATEWAY FIRST BANK","doc_count":1},{"key":"GREATAMERICA FINANCIAL SERVICES CORP.","doc_count":1},{"key":"GREATER SUBURBAN ACCEPTANCE CORPORATION","doc_count":1},{"key":"GREENSTATE CREDIT UNION","doc_count":1},{"key":"GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC","doc_count":1},{"key":"GULF COAST COLLECTION BUREAU, INC.","doc_count":1},{"key":"Galaxy Capital Acquisitions, LLC","doc_count":1},{"key":"Gatestone & Co. International Inc.","doc_count":1},{"key":"General Financial, Inc.","doc_count":1},{"key":"Genesys National Recovery, Inc.","doc_count":1},{"key":"Giact Systems, LLC","doc_count":1},{"key":"Global Asset Agency, Inc.","doc_count":1},{"key":"Global Credit & Collection Corporation","doc_count":1},{"key":"Go Capital Holdings, LLC","doc_count":1},{"key":"Goldcar Lending Inc.","doc_count":1},{"key":"Granite Bay Acceptance Inc.","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"HANCOCK WHITNEY BANK","doc_count":1},{"key":"HFS Financial LLC","doc_count":1},{"key":"HUELSON LAW FIRM, LLC","doc_count":1},{"key":"Hatfield, Inc.","doc_count":1},{"key":"Heritage Financial Group, Inc.","doc_count":1},{"key":"Holloway Credit Solutions","doc_count":1},{"key":"Home Loan Center, Inc.","doc_count":1},{"key":"HomeTown Lenders, LLC","doc_count":1},{"key":"Hunt & Henriques","doc_count":1},{"key":"IDAHO CENTRAL CREDIT UNION","doc_count":1},{"key":"INTERCONTINENTAL EXCHANGE, INC.","doc_count":1},{"key":"IPAC'S Inc.","doc_count":1},{"key":"Idaho Housing And Finance Association","doc_count":1},{"key":"Ideal Collection Services, Inc.","doc_count":1},{"key":"Imperial Recovery Consultants, LLC","doc_count":1},{"key":"Inflection.com, Inc.","doc_count":1},{"key":"Informative Research","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"JDJ Investments, INC.","doc_count":1},{"key":"JP Jensen Collections, LLC","doc_count":1},{"key":"JP RECOVERY SERVICES, INC.","doc_count":1},{"key":"JTM Capital Management, LLC","doc_count":1},{"key":"K. HOVNANIAN AMERICAN MORTGAGE, LLC","doc_count":1},{"key":"KLS Financial Services, Inc","doc_count":1},{"key":"Kashable LLC","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Kelsting Group, Inc.","doc_count":1},{"key":"King of Credit Financial, Inc","doc_count":1},{"key":"Kingston Data & Credit International Inc.","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"Kovitz Shifrin Nesbit, A Professional Corporation","doc_count":1},{"key":"Kwikcash, Inc.","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LDF Holdings, LLC","doc_count":1},{"key":"Law Offices of Hayt, Hayt & Landau, LLC","doc_count":1},{"key":"Law Offices of Timothy M. Sullivan","doc_count":1},{"key":"Leaders Financial Company","doc_count":1},{"key":"Lendbuzz Inc.","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"Lengenuity LLC","doc_count":1},{"key":"Levy & Associates, LLC","doc_count":1},{"key":"Lewis, McDonnell & Associates","doc_count":1},{"key":"Liberty Career Finance, LLC","doc_count":1},{"key":"Lloyd & McDaniel, PLC","doc_count":1},{"key":"Louisiana Recovery Services Inc.","doc_count":1},{"key":"Lowcountry Credit Inc.","doc_count":1},{"key":"Lyons, Doughty & Veldhuis, PC","doc_count":1},{"key":"M. G. Credit, Inc.","doc_count":1},{"key":"M.A.R.S., Inc.","doc_count":1},{"key":"MAINSTREET LOAN COMPANY IN","doc_count":1},{"key":"MCCARTHY LAW PLC","doc_count":1},{"key":"MCCUE MORTGAGE COMPANY, THE","doc_count":1},{"key":"MERCANTILE ADJUSTMENT BUREAU, LLC","doc_count":1},{"key":"MILLENNIUM FINANCIAL GROUP, L.L.C.","doc_count":1},{"key":"MISSION FINANCIAL SERVICES CORPORATION","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"MS SERVICES LLC","doc_count":1},{"key":"Main Line Recovery Solutions, Inc.","doc_count":1},{"key":"MarkOne Holdings, LLC","doc_count":1},{"key":"Mediation Recovery Center","doc_count":1},{"key":"Melar Investments, LLC","doc_count":1},{"key":"Merchants' Credit Guide Company","doc_count":1},{"key":"Mercury Technologies, Inc.","doc_count":1},{"key":"Metro Area Collection Service, Inc.","doc_count":1},{"key":"Mezcal Corporation","doc_count":1},{"key":"Michael & Associates, PC","doc_count":1},{"key":"Midstate Collection Solutions, Inc.","doc_count":1},{"key":"Midwest Acceptance Corp.","doc_count":1},{"key":"Midwest Credit & Collection, Inc.","doc_count":1},{"key":"MiraMed Revenue Group LLC","doc_count":1},{"key":"Model Finance Company","doc_count":1},{"key":"Montgomery County Credit Bureau","doc_count":1},{"key":"N.A.R., Inc.","doc_count":1},{"key":"NATIONAL ASSET MORTGAGE, LLC","doc_count":1},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":1},{"key":"NCC Business Services, Inc.","doc_count":1},{"key":"NCD Financial, LLC","doc_count":1},{"key":"NEU Money, Inc.","doc_count":1},{"key":"NPAS, Inc.","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"National Recovery Service, Inc.","doc_count":1},{"key":"Nations Direct Mortgage, LLC","doc_count":1},{"key":"Nationwide Recovery Systems, Ltd","doc_count":1},{"key":"Nav Technologies, Inc.","doc_count":1},{"key":"Neighborhood Autos, LLC","doc_count":1},{"key":"Net Pay Advance, Inc.","doc_count":1},{"key":"Nicholas Financial Inc.","doc_count":1},{"key":"North American Credit Services","doc_count":1},{"key":"North Capital Recovery Services","doc_count":1},{"key":"North Shore Equities, Inc.","doc_count":1},{"key":"Northbrook and Associates","doc_count":1},{"key":"OLIPHANT FINANCIAL, LLC","doc_count":1},{"key":"ONEMAIN FINANCE CORPORATION","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"Oklahoma Student Loan Authority","doc_count":1},{"key":"Omega RMS, LLC","doc_count":1},{"key":"Omni AR, LLC","doc_count":1},{"key":"Optimum Outcomes, Inc.","doc_count":1},{"key":"Overton, Russell, Doerr and Donovan, LLP","doc_count":1},{"key":"P.S.C., Inc","doc_count":1},{"key":"PACIFIC PREMIER BANCORP, INC.","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":"PINNACLE RECOVERY, INC.","doc_count":1},{"key":"PRANCER CAPITAL CORP","doc_count":1},{"key":"PRIMARY RESIDENTIAL MORTGAGE","doc_count":1},{"key":"Pacific Credit Exchange Corporation","doc_count":1},{"key":"Palmar, Inc.","doc_count":1},{"key":"Paragon Subrogation Services, Inc","doc_count":1},{"key":"Pendrick Capital Partners","doc_count":1},{"key":"Pendrick Capital Partners Holding, LLC","doc_count":1},{"key":"Performant Financial Corporation","doc_count":1},{"key":"Perpay, Inc.","doc_count":1},{"key":"Peter Roberts & Associates, Inc.","doc_count":1},{"key":"Phillips & Cohen Associates, Ltd.","doc_count":1},{"key":"Pinata Rent, Inc","doc_count":1},{"key":"Pinebrook Holdings, LLC","doc_count":1},{"key":"Pinnacle Credit Services, LLC","doc_count":1},{"key":"Pioneer Capital Solutions Inc","doc_count":1},{"key":"PlusFour, Inc","doc_count":1},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":1},{"key":"Porania, LLC","doc_count":1},{"key":"Porsche Financial Services, Inc.","doc_count":1},{"key":"Premier Portfolio Group","doc_count":1},{"key":"Professional Recovery Consultants, Inc.","doc_count":1},{"key":"Property Receivables, Corp","doc_count":1},{"key":"Quality Asset Recovery LLC","doc_count":1},{"key":"Quall Cardot LLP","doc_count":1},{"key":"R.A.Rogers, Inc.","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"RSI Enterprises, Inc.","doc_count":1},{"key":"RUI Credit Services, Inc.","doc_count":1},{"key":"Ray Klein, Inc.","doc_count":1},{"key":"Receivable Collection Services, LLC","doc_count":1},{"key":"Receivable Management Group, Inc. (GA)","doc_count":1},{"key":"Reel Time Capital LLC","doc_count":1},{"key":"Reimer, Arnovitz, Chernek &Jeffrey Co., LPA","doc_count":1},{"key":"Relay Financial (US), Corp.","doc_count":1},{"key":"Retail Merchants Associates","doc_count":1},{"key":"Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch","doc_count":1},{"key":"Revenue Enterprises, LLC","doc_count":1},{"key":"Rhodes, Kelly Assoc Inc","doc_count":1},{"key":"Ridge & Valley Realty, Inc.","doc_count":1},{"key":"Riverwalk Financial Corporation","doc_count":1},{"key":"Rocky Mountain Capital Management","doc_count":1},{"key":"Rodenburg LLP","doc_count":1},{"key":"Rogers, Carter & Payne, LLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":1},{"key":"S & S Recovery, Inc.","doc_count":1},{"key":"S&S Physician Services, Inc.","doc_count":1},{"key":"SAN DIEGO COUNTY CREDIT UNION","doc_count":1},{"key":"SEACOAST BANKING CORPORATION OF FLORIDA","doc_count":1},{"key":"SECURITY SERVICE FEDERAL CREDIT UNION","doc_count":1},{"key":"SF VAGO, LLC","doc_count":1},{"key":"SIMMONS FIRST NATIONAL CORPORATION","doc_count":1},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":1},{"key":"SOP Pioneer Partners LP","doc_count":1},{"key":"SOUTHSTATE BANK CORPORATION","doc_count":1},{"key":"STATEWIDE AUTO SALES","doc_count":1},{"key":"STELLAR BANCORP INC.","doc_count":1},{"key":"STOCKTON MORTGAGE","doc_count":1},{"key":"SUN WEST MORTGAGE COMPANY, INC.","doc_count":1},{"key":"Seattle Service Bureau, Inc","doc_count":1},{"key":"Second Alliance, Inc.","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Silverman Theologou, LLP","doc_count":1},{"key":"Soja Management Services, LLC","doc_count":1},{"key":"Southern Auto Finance Co","doc_count":1},{"key":"Southern Credit Adjusters, Inc.","doc_count":1},{"key":"St.John Cobb Inc","doc_count":1},{"key":"Star Loans of Texas, Inc.","doc_count":1},{"key":"State Cap Auto Finance, Inc","doc_count":1},{"key":"State Collection Service, Inc.","doc_count":1},{"key":"State Finance Company","doc_count":1},{"key":"States Recovery Systems, Inc.","doc_count":1},{"key":"StellarFinance, Inc.","doc_count":1},{"key":"Stenger & Stenger, P.C","doc_count":1},{"key":"Sterling Infosystems Inc.","doc_count":1},{"key":"Stern & Stern. P.C.","doc_count":1},{"key":"Strategic Dealer Services","doc_count":1},{"key":"Sunnova Energy Corporation","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"TAYLOR MORRISON HOME FUNDING, INC.","doc_count":1},{"key":"TEXAS CAPITAL BANCSHARES, INC.","doc_count":1},{"key":"TFC Credit Corporation of California","doc_count":1},{"key":"Tate and Kirlin Assoc","doc_count":1},{"key":"The LGM Co., Inc.","doc_count":1},{"key":"The Stark Collection Agency, Inc.","doc_count":1},{"key":"Time Investment Corporation","doc_count":1},{"key":"Torres Credit Services, Inc.","doc_count":1},{"key":"Torriere Holdings INC","doc_count":1},{"key":"Tromberg, Miller, Morris & Partners, PLLC","doc_count":1},{"key":"Turning Point Solutions LLC","doc_count":1},{"key":"U.S. Auto Credit Corporation","doc_count":1},{"key":"UBS BANK USA","doc_count":1},{"key":"USCB Corporation","doc_count":1},{"key":"USCB, Inc.","doc_count":1},{"key":"Unique Management Services, Inc","doc_count":1},{"key":"United Consumer Finance, Inc.","doc_count":1},{"key":"United Student Aid (USA) Funds","doc_count":1},{"key":"Universal Recovery Corporation","doc_count":1},{"key":"Uplift, Inc","doc_count":1},{"key":"Utah System of Higher Education","doc_count":1},{"key":"VALLEY NATIONAL BANCORP","doc_count":1},{"key":"Van Horn Automotive Group, Inc.","doc_count":1},{"key":"Vericred Solutions LLC","doc_count":1},{"key":"Volvo Car Financial Services U.S., LLC","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"WSFS FINANCIAL CORPORATION","doc_count":1},{"key":"West Central Texas Collection Bureau","doc_count":1},{"key":"Worth Finance Corporation","doc_count":1},{"key":"Yes Online Inc","doc_count":1},{"key":"Zingo Cash Illinois LLC","doc_count":1},{"key":"ZuntaFi Corp","doc_count":1},{"key":"eCon Credit LP","doc_count":1},{"key":"eMortgage Funding LLC","doc_count":1}]}},"state":{"doc_count":83645,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":13736},{"key":"TX","doc_count":11701},{"key":"CA","doc_count":7686},{"key":"GA","doc_count":7405},{"key":"NY","doc_count":4005},{"key":"IL","doc_count":3753},{"key":"NC","doc_count":3208},{"key":"NJ","doc_count":2754},{"key":"MI","doc_count":2616},{"key":"SC","doc_count":2432},{"key":"PA","doc_count":2263},{"key":"VA","doc_count":2139},{"key":"LA","doc_count":2006},{"key":"OH","doc_count":1720},{"key":"MD","doc_count":1527},{"key":"NV","doc_count":1473},{"key":"AL","doc_count":1358},{"key":"AZ","doc_count":1294},{"key":"MO","doc_count":1269},{"key":"TN","doc_count":1214},{"key":"MS","doc_count":884},{"key":"IN","doc_count":744},{"key":"MA","doc_count":700},{"key":"AR","doc_count":554},{"key":"MN","doc_count":486},{"key":"WA","doc_count":415},{"key":"WI","doc_count":383},{"key":"CO","doc_count":380},{"key":"DE","doc_count":379},{"key":"UT","doc_count":359},{"key":"CT","doc_count":358},{"key":"KY","doc_count":328},{"key":"OK","doc_count":275},{"key":"DC","doc_count":255},{"key":"OR","doc_count":201},{"key":"KS","doc_count":178},{"key":"NM","doc_count":155},{"key":"RI","doc_count":145},{"key":"IA","doc_count":133},{"key":"NH","doc_count":125},{"key":"HI","doc_count":119},{"key":"PR","doc_count":90},{"key":"NE","doc_count":82},{"key":"WV","doc_count":46},{"key":"ID","doc_count":45},{"key":"ND","doc_count":38},{"key":"WY","doc_count":33},{"key":"AK","doc_count":31},{"key":"ME","doc_count":28},{"key":"SD","doc_count":25},{"key":"VI","doc_count":25},{"key":"MT","doc_count":21},{"key":"AE","doc_count":11},{"key":"UNITED STATES MINOR OUTLYING ISLANDS","doc_count":11},{"key":"GU","doc_count":3},{"key":"AS","doc_count":2},{"key":"VT","doc_count":2},{"key":"AP","doc_count":1}]}},"company_public_response":{"doc_count":83645,"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":47257},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":844},{"key":"Company disputes the facts presented in the complaint","doc_count":95},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":41},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":35},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":22},{"key":"Company chooses not to provide a public response","doc_count":18},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":9},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":7},{"key":"Company believes complaint is the result of an isolated error","doc_count":2}]}},"tags":{"doc_count":83645,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":3380},{"key":"Older American","doc_count":307},{"key":"Older American, Servicemember","doc_count":207}]}}},"_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":[9.804274,"12350471"],"3":[9.630639,"16326106"],"4":[9.5356865,"12545848"],"5":[9.418704,"12245356"],"6":[9.315749,"12344165"],"7":[9.24167,"11601354"],"8":[9.186041,"17090646"]}}}