{"took":562,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5356,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15125354","_score":21.71436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate","date_sent_to_company":"2025-08-06T14:19:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"15125354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T14:19:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> <em>Dispute</em> Request for Investigation of Late Payments To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate"]},"sort":[21.71436,"15125354"]},{"_index":"complaint-public-v1","_id":"15125353","_score":21.71436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate","date_sent_to_company":"2025-08-06T14:19:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"15125353","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T14:19:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> <em>Dispute</em> Request for Investigation of Late Payments To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate"]},"sort":[21.71436,"15125353"]},{"_index":"complaint-public-v1","_id":"15125338","_score":21.698349,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate","date_sent_to_company":"2025-08-06T14:19:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"15125338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2025-08-06T14:12:04.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> <em>Dispute</em> Request for Investigation of Late Payments To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate"]},"sort":[21.698349,"15125338"]},{"_index":"complaint-public-v1","_id":"17314881","_score":19.384098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 Compliance Review Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment reported for the above-referenced Capital One account on my credit file. This derogatory mark appears on my reports with one or more credit reporting agencies and is dated XX/XX/XXXX. \nAs per my rights under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting a complete reinvestigation of this item and demand verification under Metro 2 data reporting standards. I believe the reported late payment is either inaccurate, unverified, or not in compliance with credit reporting requirements. \nAccount Details : Creditor : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$820.00} Disputed Item : 30-day late payment XX/XX/XXXX XXXX","date_sent_to_company":"2025-11-17T23:28:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"17314881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-17T23:20:32.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> <em>Dispute</em> REQUEST FOR REINVESTIGATION and Metro 2 <em>Compliance</em> Review Account Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of the late payment reported for the above-referenced Capital One account on my credit file. This derogatory mark appears on my reports with one or more credit reporting agencies and is dated XX/XX/XXXX."]},"sort":[19.384098,"17314881"]},{"_index":"complaint-public-v1","_id":"12458975","_score":19.291399,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX  Subject : Dispute of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-compliance with federal regulations.\n\nUnder 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance if : 1. The reported information is inaccurate, outdated, or unverifiable. \n2. You have failed to properly investigate the dispute and provide sufficient validation of the debt.\n\n3. You have continued to report the account without proper verification, harming my financial standing.","date_sent_to_company":"2025-03-13T12:40:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33176","tags":null,"has_narrative":true,"complaint_id":"12458975","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-03-13T12:39:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX  Subject : <em>Dispute</em> of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-<em>compliance</em> with federal regulations.\n\nUnder 15 U.S. Code 1681o, you may be held civilly liable for negligent non-<em>compliance</em> if : 1."]},"sort":[19.291399,"12458975"]},{"_index":"complaint-public-v1","_id":"11071885","_score":19.056366,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Notice of Dispute Charge-Off Account with XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the reporting of a charge-off account from XXXX  XXXXXXXX XXXX  on my Equifax credit report. This account has been deleted from my XXXX credit file, and as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax ensure compliance with 15 U.S. Code 1681n by investigating and correcting this inconsistency immediately. \nSpecifically, I believe this account is being reported inaccurately or in violation of the law. I have attached a copy of my XXXX credit report showing the deletion of the account for your reference. \n\n\nI expect confirmation of receipt of this dispute and a resolution in writing within the legally required timeframe.","date_sent_to_company":"2024-12-08T21:23:56.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"22554","tags":"Servicemember","has_narrative":true,"complaint_id":"11071885","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-08T21:13:47.000Z","state":"VA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Subject : Notice of <em>Dispute</em> Charge-Off Account with XXXX XXXX XXXX To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> <em>dispute</em> the reporting of a charge-off account from XXXX  XXXXXXXX XXXX  on my Equifax credit report. This account has been deleted from my XXXX credit file, and as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax ensure <em>compliance</em> with 15 U.S. Code 1681n by investigating and correcting this inconsistency immediately."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[19.056366,"11071885"]},{"_index":"complaint-public-v1","_id":"11747417","_score":19.042767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXX XXXXXXXX XXXX Lease Date opened XX/XX/XXXX, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX  Date Generated XX/XX/XXXX, two other dates where I filed a dispute but nothing happen XX/XX/XXXX and XX/XX/XXXX The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.","date_sent_to_company":"2025-01-25T16:44:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11747417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-25T16:14:16.000Z","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":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  <em>Dispute</em> Regarding Civil Liability for Negligence and Non-<em>Compliance</em> To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> <em>dispute</em> the negligence and non-<em>compliance</em> I experienced in relation to a <em>dispute</em> that wasnt correctly fix on one of my accountsAccount name XXXX XXXX XXXXXXXX XXXX Lease Date opened XX/XX/XXXX, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which"]},"sort":[19.042767,"11747417"]},{"_index":"complaint-public-v1","_id":"11732030","_score":19.025127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, CA XXXX Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXXXXXX XXXX XXXX Lease Date opened XX/XX/year>, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX Date Generated XX/XX/year>, two other dates where I filed a dispute but nothing happen XXXX XXXX and XXXX XXXX  The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.","date_sent_to_company":"2025-01-25T16:44:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11732030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-25T16:44:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX, CA XXXX <em>Dispute</em> Regarding Civil Liability for Negligence and Non-<em>Compliance</em> To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> <em>dispute</em> the negligence and non-<em>compliance</em> I experienced in relation to a <em>dispute</em> that wasnt correctly fix on one of my accountsAccount name XXXX XXXXXXXX XXXX XXXX Lease Date opened XX/XX/year>, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX Date Generated XX/XX/year>, two other dates where I filed a <em>dispute</em>"]},"sort":[19.025127,"11732030"]},{"_index":"complaint-public-v1","_id":"17287785","_score":19.020226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 Compliance Review Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment reported for the above-referenced BARCLAYS BANK DELAWARE account on my credit file. This derogatory mark appears on my reports with XXXX or more credit reporting agencies and is dated XX/XX/XXXX. \nAs per my rights under the Fair Credit Reporting Act ( FCRA ) XXXX, I am requesting a complete reinvestigation of this item and demand verification under Metro 2 data reporting standards. I believe the reported late payment is either inaccurate, unverified, or not in compliance with credit reporting requirements. \nAccount Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2500.00} Disputed Item : Reported XXXX late in XX/XX/XXXX XXXX","date_sent_to_company":"2025-11-17T23:40:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"17287785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-11-17T23:32:14.000Z","state":"MA","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":["Subject : <em>Formal</em> <em>Dispute</em> REQUEST FOR REINVESTIGATION and Metro 2 <em>Compliance</em> Review Account Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of the late payment reported for the above-referenced BARCLAYS BANK DELAWARE account on my credit file. This derogatory mark appears on my reports with XXXX or more credit reporting agencies and is dated XX/XX/XXXX."]},"sort":[19.020226,"17287785"]},{"_index":"complaint-public-v1","_id":"14399371","_score":18.97801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute a late payment reported on my Credit report. According to 15 U.S.C. 1666b, a creditor is required to credit payments on the same day they are received, assuming the payment is made in compliance with the creditors stated payment instructions and cutoff times. \n\nA creditor shall credit a payment to the consumers account as of the date of receipt of the payment, except when a delay in crediting does not result in a finance or other charge. \n\nI submitted my payment on time, and I believe it was either improperly posted or credited late through no fault of my own.","date_sent_to_company":"2025-07-01T02:55:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"14399371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-07-01T02:47:14.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> a late payment reported on my Credit report. According to 15 U.S.C. 1666b, a creditor is required to credit payments on the same day they are received, assuming the payment is made in <em>compliance</em> with the creditors stated payment instructions and cutoff times."]},"sort":[18.97801,"14399371"]},{"_index":"complaint-public-v1","_id":"12460988","_score":18.893745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX  Subject : Dispute of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-compliance with federal regulations.\n\nUnder 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance if : 1. The reported information is inaccurate, outdated, or unverifiable.\n\n2. You have failed to properly investigate the dispute and provide sufficient validation of the debt.\n\n3. You have continued to report the account without proper verification, harming my financial standing.","date_sent_to_company":"2025-03-13T12:40:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33176","tags":null,"has_narrative":true,"complaint_id":"12460988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-03-13T12:19:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX  Subject : <em>Dispute</em> of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-<em>compliance</em> with federal regulations.\n\nUnder 15 U.S. Code 1681o, you may be held civilly liable for negligent non-<em>compliance</em> if : 1."]},"sort":[18.893745,"12460988"]},{"_index":"complaint-public-v1","_id":"12460891","_score":18.890667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-compliance with federal regulations.\n\nUnder 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance if : 1. The reported information is inaccurate, outdated, or unverifiable. \n2. You have failed to properly investigate the dispute and provide sufficient validation of the debt.\n\n3. You have continued to report the account without proper verification, harming my financial standing.","date_sent_to_company":"2025-03-13T12:40:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33176","tags":null,"has_narrative":true,"complaint_id":"12460891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American First Finance, Inc.","date_received":"2025-03-13T12:39:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XX/XX/year> Subject : <em>Dispute</em> of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-<em>compliance</em> with federal regulations.\n\nUnder 15 U.S. Code 1681o, you may be held civilly liable for negligent non-<em>compliance</em> if : 1."]},"sort":[18.890667,"12460891"]},{"_index":"complaint-public-v1","_id":"13481936","_score":18.888996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the inaccurate information being reported on my credit file regarding the account : Account name XXXX  XXXX Account number XXXX I have paid this account in full, and therefore, any reporting of late payments is false. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. This is my final attempt to resolve this matter directly. If this account is not deleted or updated to reflect accurate information specifically that the late payments are removed I will be forced to pursue legal action against your company for knowingly reporting false information. \n\nPlease consider this a formal notice. I expect a prompt correction in compliance with federal law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-14T00:00:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33016","tags":null,"has_narrative":true,"complaint_id":"13481936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-14T00:00:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the inaccurate information being reported on my credit file regarding the account : Account name XXXX  XXXX Account number XXXX I have paid this account in full, and therefore, any reporting of late payments is false. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I have the right to <em>dispute</em> inaccurate or incomplete information on my credit report. This is my final attempt to resolve this matter directly."]},"sort":[18.888996,"13481936"]},{"_index":"complaint-public-v1","_id":"15495370","_score":18.794962,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. According to my recent Equifax credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : Spring Oaks Capital Account Number : XXXX Reported Status : Collection Balance Reported : {$520.00} This account is being reported inaccurately. I request validation of this account, including a copy of the signed contract and a full payment history. If the account can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be deleted from my credit file. \n\nPlease conduct an investigation and provide me with the results in writing. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-25T20:12:49.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"15495370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-08-25T20:08:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> <em>dispute</em> inaccurate information on my credit report. According to my recent Equifax credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : Spring Oaks Capital Account Number : XXXX Reported Status : Collection Balance Reported : {$520.00} This account is being reported inaccurately. I request validation of this account, including a copy of the signed contract and a full payment history."]},"sort":[18.794962,"15495370"]},{"_index":"complaint-public-v1","_id":"15494315","_score":18.785103,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. According to my recent XXXX credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : Discover Card Account Number : XXXX Reported Status : Charge-Off Balance Reported : {$2100.00} This account is being reported inaccurately. I request validation of this account, including a copy of the signed contract and a full payment history. If the account can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be deleted from my credit file. \n\nPlease conduct an investigation and provide me with the results in writing. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-25T20:19:47.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"15494315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-08-25T20:15:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> <em>dispute</em> inaccurate information on my credit report. According to my recent XXXX credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : Discover Card Account Number : XXXX Reported Status : Charge-Off Balance Reported : {$2100.00} This account is being reported inaccurately. I request validation of this account, including a copy of the signed contract and a full payment history."]},"sort":[18.785103,"15494315"]},{"_index":"complaint-public-v1","_id":"13430357","_score":18.510551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, I am writing to formally dispute the inclusion of a medical collection account placed by United Collection Bureau on my credit report. \n\nPer the updated regulation taking effect XX/XX/2025, consumer reporting agencies are prohibited from including medical debt information on credit reports and credit scores used by lenders. This rule is meant to end the coercive practice of using credit reporting to collect medical debts, regardless of their accuracy. \n\nAs this account qualifies as medical debt, I request that it be immediately removed from my credit report. Please confirm compliance with the updated regulation and provide written confirmation once the item has been removed.","date_sent_to_company":"2025-05-09T14:36:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85741","tags":null,"has_narrative":true,"complaint_id":"13430357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Collection Bureau, Inc.","date_received":"2025-05-09T14:23:06.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It XXXX <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the inclusion of a medical collection account placed by United Collection Bureau on my credit report. \n\nPer the updated regulation taking effect XX/XX/2025, consumer reporting agencies are prohibited from including medical debt information on credit reports and credit scores used by lenders. This rule is meant to end the coercive practice of using credit reporting to collect medical debts, regardless of their accuracy."]},"sort":[18.510551,"13430357"]},{"_index":"complaint-public-v1","_id":"12525465","_score":18.483915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Dispute Identity Theft & XXXX  Data Breach Victim To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX XXXX data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity. The fraudulent accounts listed below were opened without my consent and must be removed immediately in compliance with the Fair Credit Reporting Act ( F\n\nCRA ) 605B. I have attached the following supporting documents : -Drivers License -FTC Ide\nntity Theft Report -Proof Of Address -Data Breach Engagement # -Experian Credit Report","date_sent_to_company":"2025-03-17T23:37:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"12525465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T23:22:45.000Z","state":"NC","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":["Subject : Urgent <em>Dispute</em> Identity Theft & XXXX  Data Breach Victim To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> and demand the immediate removal of fraudulent accounts appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX XXXX data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity."]},"sort":[18.483915,"12525465"]},{"_index":"complaint-public-v1","_id":"15496055","_score":18.356693,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Request for Investigation Inaccurate Credit Report Information To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. According to my recent Equifax credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : AMEX/XXXX XXXXccount Number : XXXX Reported Status : Charge-Off Balance Reported : {$1300.00} This account is being reported inaccurately. I request validation of this account, including a copy of the signed contract and a full payment history. If the account can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be deleted from my credit file. \n\nPlease conduct an investigation and provide me with the results in writing. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-20T15:32:57.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"15496055","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-08-25T19:52:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Re : Request for Investigation Inaccurate Credit Report Information To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> <em>dispute</em> inaccurate information on my credit report. According to my recent Equifax credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : AMEX/XXXX XXXXccount Number : XXXX Reported Status : Charge-Off Balance Reported : {$1300.00} This account is being reported inaccurately."]},"sort":[18.356693,"15496055"]},{"_index":"complaint-public-v1","_id":"12623926","_score":18.333487,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful debt reported by XXXX XXXX XXXX ( XXXX ) on my credit report in the amount of {$14000.00}. This debt is being inaccurately reported as an open account, which is a clear violation of FCRA compliance. This misclassification creates a false and misleading impression of the debt status and must be corrected immediately. \n\nBackground and Prior Dispute History : On XX/XX/2024, I first noticed this collection account on my credit report. I immediately contacted XXXX and received a letter on their letterhead stating the alleged debt amount of {$14000.00}. \nOn XX/XX/2024, I contacted XXXX again regarding the inaccurate reporting. Despite my request, no changes were made, and I was instructed to submit a complaint online. \nIn response, I filed a formal dispute through XXXX XXXX XXXX and with the Consumer Financial Protection Bureau ( CFPB ). \n\nAs of today, this inaccurate and unverifiable debt remains on my credit report.","date_sent_to_company":"2025-03-24T16:32:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Rental debt","zip_code":"282XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12623926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-03-24T15:27:15.000Z","state":"NC","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the inaccurate and unlawful debt reported by XXXX XXXX XXXX ( XXXX ) on my credit report in the amount of {$14000.00}. This debt is being inaccurately reported as an open account, which is a clear violation of FCRA <em>compliance</em>. This misclassification creates a false and misleading impression of the debt status and must be corrected immediately."]},"sort":[18.333487,"12623926"]},{"_index":"complaint-public-v1","_id":"14725041","_score":18.224798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Notice of Dispute and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe disputed information has caused harm, and I am asserting my rights under federal law. \nPlease be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. \n\nI request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. \nThis is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-17T03:47:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"14725041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-17T03:47:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TO : Notice of <em>Dispute</em> and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe <em>disputed</em> information has caused harm, and I am asserting my rights under federal law."]},"sort":[18.224798,"14725041"]},{"_index":"complaint-public-v1","_id":"14701961","_score":18.224798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Notice of Dispute and Demand for Remedy Under 15 U.S. Code 16810 To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe disputed information has caused harm, and I am asserting my rights under federal law. \nPlease be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. \n\nI request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. \nThis is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX","date_sent_to_company":"2025-07-17T02:11:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"14701961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-17T02:10:42.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TO : Notice of <em>Dispute</em> and Demand for Remedy Under 15 U.S. Code 16810 To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe <em>disputed</em> information has caused harm, and I am asserting my rights under federal law."]},"sort":[18.224798,"14701961"]},{"_index":"complaint-public-v1","_id":"14757069","_score":18.222126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Notice of Dispute and Demand for Remedy Under 15 U.S. CXXXXe XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe disputed information has caused harm, and I am asserting my rights under federal law. \nPlease be advised that under XXXX XXXX ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. \n\nI request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. \nThis is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX","date_sent_to_company":"2025-07-19T20:07:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"14757069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-19T19:42:17.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TO : Notice of <em>Dispute</em> and Demand for Remedy Under 15 U.S. CXXXXe XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe <em>disputed</em> information has caused harm, and I am asserting my rights under federal law."]},"sort":[18.222126,"14757069"]},{"_index":"complaint-public-v1","_id":"14725042","_score":18.222126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Notice of Dispute and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe disputed information has caused harm, and I am asserting my rights under federal law. \nPlease be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. \n\nI request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. \nThis is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-17T03:47:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"14725042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-17T03:47:31.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TO : Notice of <em>Dispute</em> and Demand for Remedy Under XXXX U.S. CXXXX  XXXX To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe <em>disputed</em> information has caused harm, and I am asserting my rights under federal law."]},"sort":[18.222126,"14725042"]},{"_index":"complaint-public-v1","_id":"14701962","_score":18.222126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Notice of Dispute and Demand for Remedy Under 15 U.S. Code 16810 To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe disputed information has caused harm, and I am asserting my rights under federal law. \nPlease be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. \n\nI request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. \nThis is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX","date_sent_to_company":"2025-07-17T02:11:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"14701962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-17T02:10:42.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TO : Notice of <em>Dispute</em> and Demand for Remedy Under 15 U.S. Code 16810 To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nThe <em>disputed</em> information has caused harm, and I am asserting my rights under federal law."]},"sort":[18.222126,"14701962"]},{"_index":"complaint-public-v1","_id":"12638809","_score":18.217834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Civil Liability for Negligence Request for Removal To Whom It May Concern, I am writing to formally dispute the reported amount paid under [ account/reference number ] on my credit report. Pursuant to 15 U.S. Code 1681o ( civil liability for negligence ), I believe Experian has failed to uphold its duty of accuracy and compliance, resulting in financial harm.\n\nThe disputed information is incorrect due to negligence and non-compliance with federal reporting standards. Given the errors in reporting and failure to meet compliance requirements, I request the immediate removal or dismissal of this disputed amount from my credit report. \nXXXXXXXX XXXX  {$1100.00} XXXXXXXX XXXX {$900.00} XXXX Funding {$670.00} Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct inaccurate information within 30 days. Please provide written confirmation of this disputes resolution at your earliest convenience.\n\nFailure to take corrective action may result in further legal remedies. I appreciate your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-23T00:19:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"12638809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-22T23:48:27.000Z","state":"NC","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 : <em>Dispute</em> of Civil Liability for Negligence Request for Removal To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> <em>dispute</em> the reported amount paid under [ account/reference number ] on my credit report. Pursuant to 15 U.S. Code 1681o ( civil liability for negligence ), I believe Experian has failed to uphold its duty of accuracy and <em>compliance</em>, resulting in financial harm.\n\nThe <em>disputed</em> information is incorrect due to negligence and non-<em>compliance</em> with federal reporting standards."]},"sort":[18.217834,"12638809"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5356,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5356}]}},"product":{"doc_count":5356,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4358,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4317},{"key":"Other personal consumer report","doc_count":41}]}},{"key":"Debt 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equity loan or line of credit (HELOC)","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Debt or credit management","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":8},{"key":"Debt settlement","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Foreign currency exchange","doc_count":1},{"key":"Money order, traveler's check or cashier's check","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":6},{"key":"Payday 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