{"took":67,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":302,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11614235","_score":19.661976,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information. \nXXXX processes like XXXX often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.","date_sent_to_company":"2025-01-20T21:31:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"11614235","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-20T20:41:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX processes like XXXX <em>often</em> <em>fail</em> to resolve <em>disputes</em> <em>adequately</em> and I request a personalized response in hopes that I can bypass the inefficiencies of automated <em>dispute</em> systems and demand proper accountability for these fraudulent inquiries."]},"sort":[19.661976,"11614235"]},{"_index":"complaint-public-v1","_id":"11680416","_score":19.537382,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information.\n\nAutomated processes like e-OSCAR often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.","date_sent_to_company":"2025-01-20T21:31:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"11680416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T21:31:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Automated processes like e-OSCAR <em>often</em> <em>fail</em> to resolve <em>disputes</em> <em>adequately</em> and I request a personalized response in hopes that I can bypass the inefficiencies of automated <em>dispute</em> systems and demand proper accountability for these fraudulent inquiries."]},"sort":[19.537382,"11680416"]},{"_index":"complaint-public-v1","_id":"11680419","_score":19.52088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information.\n\nAutomated processes like e-OSCAR often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.","date_sent_to_company":"2025-01-20T21:31:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"11680419","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T21:31:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Automated processes like e-OSCAR <em>often</em> <em>fail</em> to resolve <em>disputes</em> <em>adequately</em> and I request a personalized response in hopes that I can bypass the inefficiencies of automated <em>dispute</em> systems and demand proper accountability for these fraudulent inquiries."]},"sort":[19.52088,"11680419"]},{"_index":"complaint-public-v1","_id":"11531358","_score":19.326561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has failed to fulfill '' refers to a situation where Experian has not adequately addressed a credit report dispute you filed, meaning they haven't investigated or corrected inaccurate information on your report within a reasonable timeframe, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ), a federal agency that oversees credit reporting agencies like Experian ; this is often the next step if Experian ignores or fails to properly handle your disputed","date_sent_to_company":"2025-01-21T20:08:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"11531358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T12:13:32.000Z","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":["Experian has <em>failed</em> to fulfill '' refers to a situation where Experian has not <em>adequately</em> addressed a credit report <em>dispute</em> you filed, meaning they haven't investigated or corrected inaccurate information on your report within a reasonable timeframe, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ), a federal agency that oversees credit reporting agencies like Experian ; this is <em>often</em> the next step if Experian ignores or <em>fails</em> to properly handle your <em>disputed</em>"]},"sort":[19.326561,"11531358"]},{"_index":"complaint-public-v1","_id":"11642375","_score":18.974625,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight multiple issues with the service. Despite using Zelle often and reporting discrepancies my financial institute and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions wasnt feasible.","date_sent_to_company":"2025-01-18T14:17:23.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"21044","tags":null,"has_narrative":true,"complaint_id":"11642375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-18T13:58:36.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing to formally express my concerns regarding Zelles handling of <em>disputes</em>, particularly in light of the recent CFPB lawsuit highlight multiple issues with the service. Despite using Zelle <em>often</em> and reporting discrepancies my financial institute and Zelle <em>failed</em> to investigate my claims <em>adequately</em>. They informed me that the recovering lost funds was impossible and that tracking these transactions wasnt feasible."]},"sort":[18.974625,"11642375"]},{"_index":"complaint-public-v1","_id":"12034330","_score":17.81834,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"It is concerning when Zelle fails to properly handle disputes or conduct a thorough investigation into claims, as it undermines trust in the system. Zelle is designed to be a fast and efficient way to send money, but when issues arise, the inability to resolve disputes or investigate fraudulent transactions leaves consumers vulnerable to financial loss. Without adequate protection or timely resolution, users may feel that their funds are at risk, especially since Zelle transactions are often irreversible. The lack of transparency or proper investigation in these cases only adds to the frustration and concern, highlighting the need for better support and accountability from both Zelle and participating banks.","date_sent_to_company":"2025-02-11T05:33:57.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"463XX","tags":null,"has_narrative":true,"complaint_id":"12034330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-02-11T05:23:24.000Z","state":"IN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is concerning when Zelle <em>fails</em> to properly handle <em>disputes</em> or conduct a thorough investigation into claims, as it undermines trust in the system. Zelle is designed to be a fast and efficient way to send money, but when issues arise, the inability to resolve <em>disputes</em> or investigate fraudulent transactions leaves consumers vulnerable to financial loss."]},"sort":[17.81834,"12034330"]},{"_index":"complaint-public-v1","_id":"11938261","_score":17.195248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. \nFCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my report : XXXX and associates Account # XXXX.","date_sent_to_company":"2025-02-06T05:44:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"11938261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T04:42:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate. \nFCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address <em>disputes</em>. I felt that FCRA reported my credit and <em>failed</em> to inadequately communicate the full scope of the problem."]},"sort":[17.195248,"11938261"]},{"_index":"complaint-public-v1","_id":"11672764","_score":17.188313,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I use Zelle so often that is a concern.","date_sent_to_company":"2025-01-17T05:36:05.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"92223","tags":null,"has_narrative":true,"complaint_id":"11672764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-17T05:24:39.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I use Zelle so <em>often</em> that is a concern."]},"sort":[17.188313,"11672764"]},{"_index":"complaint-public-v1","_id":"11673234","_score":16.949848,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing formally to express my concerns regarding Zelle 's Handle of disputes, Particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using zelle extremely often & reporting discrepancies, my financial institution & zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings that zelle has not only neglected to protect us consumers but has also allowed repeat offenders/scammers to exploit the system leaving it's users vulnerable to scams. This lack of transparency is extremely unacceptable & raises extreme concern for consumers safety.","date_sent_to_company":"2025-01-17T05:34:00.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"33147","tags":null,"has_narrative":true,"complaint_id":"11673234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-17T05:20:10.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am writing formally to express my concerns regarding Zelle 's Handle of <em>disputes</em>, Particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using zelle extremely <em>often</em> & reporting discrepancies, my financial institution & zelle <em>failed</em> to investigate my claims <em>adequately</em>. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible."]},"sort":[16.949848,"11673234"]},{"_index":"complaint-public-v1","_id":"11974467","_score":16.834854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for the following account be removed immediately from my report. Accounts : XXXX XXXX XXXX account # XXXX","date_sent_to_company":"2025-02-06T10:39:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"11974467","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T10:31:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of <em>disputed</em> information and take steps to ensure consumers credit reports are accurate. FCRA, constantly forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate."]},"sort":[16.834854,"11974467"]},{"_index":"complaint-public-v1","_id":"11961324","_score":16.51747,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for the following accounts to be removed from my credit report. Accounts : XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX.","date_sent_to_company":"2025-02-06T09:26:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"11961324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T09:15:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient <em>dispute</em> investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate."]},"sort":[16.51747,"11961324"]},{"_index":"complaint-public-v1","_id":"11961152","_score":16.51747,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my report. Accounts : Medical : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX","date_sent_to_company":"2025-02-06T07:31:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"312XX","tags":null,"has_narrative":true,"complaint_id":"11961152","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T07:15:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient <em>dispute</em> investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate."]},"sort":[16.51747,"11961152"]},{"_index":"complaint-public-v1","_id":"11939301","_score":16.502808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report : XXXXXXXX XXXX acct : XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX.","date_sent_to_company":"2025-02-06T06:10:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38305","tags":null,"has_narrative":true,"complaint_id":"11939301","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T05:52:53.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address <em>disputes</em>. I felt that FCRA reported my credit and <em>failed</em> to inadequately communicate the full scope of the problem."]},"sort":[16.502808,"11939301"]},{"_index":"complaint-public-v1","_id":"11969480","_score":16.49391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report : XXXX XXXX XXXX : XXXX, National Recovery Agen : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.","date_sent_to_company":"2025-02-06T06:44:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32819","tags":null,"has_narrative":true,"complaint_id":"11969480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T06:22:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient <em>dispute</em> investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate."]},"sort":[16.49391,"11969480"]},{"_index":"complaint-public-v1","_id":"11961281","_score":16.49391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my credit report. Accounts # XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2025-02-06T07:48:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"11961281","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T07:39:46.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address <em>disputes</em>. I felt that FCRA reported my credit and <em>failed</em> to inadequately communicate the full scope of the problem."]},"sort":[16.49391,"11961281"]},{"_index":"complaint-public-v1","_id":"12983008","_score":16.459826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my report. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-04-14T23:52:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21045","tags":null,"has_narrative":true,"complaint_id":"12983008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-14T23:41:32.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address <em>disputes</em>. I felt that FCRA reported my credit and <em>failed</em> to inadequately communicate the full scope of the problem."]},"sort":[16.459826,"12983008"]},{"_index":"complaint-public-v1","_id":"11974420","_score":15.870125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. Please remove the following accounts from my report. Accounts 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","date_sent_to_company":"2025-02-06T12:02:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35749","tags":null,"has_narrative":true,"complaint_id":"11974420","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T11:53:44.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA, constantly forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate. FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient <em>dispute</em> investigations and ensure the maximum possible accuracy of the reported data."]},"sort":[15.870125,"11974420"]},{"_index":"complaint-public-v1","_id":"11520134","_score":15.511741,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XX/XX/year> {$280.00} was taken from my account and sent to a fraud account after calling my bank and reporting the issue they could not resolve it and basically told me it was my lost. I dont know I have other transactions thats this has happened to because I would use it often. \nI am expressing my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.","date_sent_to_company":"2025-01-15T01:54:41.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"93550","tags":null,"has_narrative":true,"complaint_id":"11520134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-15T01:27:08.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I dont know I have other transactions thats this has happened to because I would use it <em>often</em>. \nI am expressing my concerns regarding Zelle 's handling of <em>disputes</em>, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle <em>failed</em> to investigate my claims <em>adequately</em>."]},"sort":[15.511741,"11520134"]},{"_index":"complaint-public-v1","_id":"11974414","_score":15.488561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-06T11:25:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70458","tags":null,"has_narrative":true,"complaint_id":"11974414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T11:07:31.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient <em>dispute</em> investigations and ensure the maximum possible accuracy of the reported data. They forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate. FCRA 's requirements."]},"sort":[15.488561,"11974414"]},{"_index":"complaint-public-v1","_id":"11937657","_score":15.422101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Urgent Complaint Against XXXX XXXX XXXX XXXXXXXX and XXXX for Deceptive Practices** Dear CFPB and FTC, I am writing to formally request immediate legal action against XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ) and XXXX for their unethical practices that have severely harmed consumers, including myself.\n\n**Background : ** The recent findings by the CFPB reveal serious violations by XXXX XXXX the Fair Credit Reporting Act ( FCRA ). XXXX 's failure to conduct adequate investigations of credit report disputes has led to significant inaccuracies that affect countless consumers ' credit scores and reports. \n\n**Key Issues : ** 1. **Inadequate Dispute Investigations** : XXXX process for handling disputes is fundamentally flawed. Consumers are often unable to fully articulate their issues, and even when relevant information is provided, XXXX fails to consider it adequately. This negligence results in unjust harm to consumers ' credit profiles. \n\nXXXX. **Confusing Communications** : The letters sent to consumers often contain contradictory statements, leaving individuals confused about the status of their disputes and the accuracy of their credit reports. This lack of clarity is unacceptable and further exacerbates the distress experienced by consumers. \n\nXXXX. **Collusion with XXXX** : It is evident thaXXXX XXXX XXXX XXXX XXXX XXXX through its credit scoring methodologies, has worked in conjunction with XXXX to manipulate consumer credit scores. My own experiences reflect a troubling decrease in my XXXX score, which I attribute to the flawed reporting and investigative processes employed by XXXX, in partnership with XXXX. \n\n**Request for Action : ** Given these egregious violations and the detrimental impact on consumers ' financial lives, I urge the CFPB and FTC to take decisive legal action against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Their practices not only undermine consumer trust but also violate established laws designed to protect individuals from such deceptive actions. \n\nI appreciate your attention to this matter and look forward to seeing appropriate measures taken to hold these companies accountable for their actions. \n\nSincerely","date_sent_to_company":"2025-02-07T18:34:35.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11937657","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"CFAM Financial Services, LLC","date_received":"2025-02-04T09:47:08.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["XXXX 's failure to conduct <em>adequate</em> investigations of credit report <em>disputes</em> has led to significant inaccuracies that affect countless consumers ' credit scores and reports. \n\n**Key Issues : ** 1. **Inadequate <em>Dispute</em> Investigations** : XXXX process for handling <em>disputes</em> is fundamentally flawed. Consumers are <em>often</em> unable to fully articulate their issues, and even when relevant information is provided, XXXX <em>fails</em> to consider it <em>adequately</em>."]},"sort":[15.422101,"11937657"]},{"_index":"complaint-public-v1","_id":"11977176","_score":15.31949,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I would like for the following accounts to be removed from my credit report. Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.","date_sent_to_company":"2025-02-06T10:07:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"300XX","tags":null,"has_narrative":true,"complaint_id":"11977176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T09:52:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient <em>dispute</em> investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data <em>often</em> <em>fails</em> to <em>adequately</em> communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of <em>disputed</em> information and takes steps to ensure consumers ' credit reports are accurate."]},"sort":[15.31949,"11977176"]},{"_index":"complaint-public-v1","_id":"12000626","_score":14.897248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. \n\nDescription of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. \n\nFailure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.","date_sent_to_company":"2025-02-09T06:36:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"12000626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T06:36:00.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Description of Unfair Practices : Your agencys reliance on information furnishers to resolve <em>disputes</em> has resulted in a failure to <em>adequately</em> investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my <em>disputes</em> to the furnishers without independent verification is negligent and <em>fails</em> to meet the expected diligence under the law."]},"sort":[14.897248,"12000626"]},{"_index":"complaint-public-v1","_id":"12000414","_score":14.897248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. \n\nDescription of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. \n\nFailure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.","date_sent_to_company":"2025-02-09T06:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"12000414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-09T06:07:20.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Description of Unfair Practices : Your agencys reliance on information furnishers to resolve <em>disputes</em> has resulted in a failure to <em>adequately</em> investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my <em>disputes</em> to the furnishers without independent verification is negligent and <em>fails</em> to meet the expected diligence under the law."]},"sort":[14.897248,"12000414"]},{"_index":"complaint-public-v1","_id":"12000624","_score":14.84569,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my serious concerns and to allege that Transunion, Equifax and Experian has engaged in unfair practices in violation of the Consumer Financial Protection Act of 2010. As a consumer who has been victimized by identity theft, I have found your agency 's processes not only inadequate but also negligently handled, which has perpetuated my financial and personal harm. \n\nDescription of Unfair Practices : Your agencys reliance on information furnishers to resolve disputes has resulted in a failure to adequately investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my disputes to the furnishers without independent verification is negligent and fails to meet the expected diligence under the law. This over-reliance on furnishers has led to repeated inaccuracies in my credit report, as these entities often merely confirm their original information without proper review. \n\nFailure to Implement Reliable Responses : When furnishers respond to your inquiries, it appears that your agency accepts their statements without question, and implements these responses into my credit report. This practice is unreliable and fails to protect my rights as a consumer, leading to a continuation of inaccuracies that have severe consequences on my financial health.","date_sent_to_company":"2025-02-09T06:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"12000624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-09T06:36:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Description of Unfair Practices : Your agencys reliance on information furnishers to resolve <em>disputes</em> has resulted in a failure to <em>adequately</em> investigate and rectify discrepancies in my credit report that I have repeatedly contested. This approach is concerning for several reasons : Excessive Reliance on Furnishers : Your practice of routinely forwarding my <em>disputes</em> to the furnishers without independent verification is negligent and <em>fails</em> to meet the expected diligence under the law."]},"sort":[14.84569,"12000624"]},{"_index":"complaint-public-v1","_id":"12116854","_score":13.986945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian concerning their failure to conduct proper investigations into several disputed items on my credit report. Specifically, these items include : Unauthorized Hard Inquiries : I identified multiple hard inquiries on my credit report that I did not authorize. Despite disputing these inquiries, Experian failed to conduct a reasonable reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). According to the CFPB 's recent lawsuit, Experian often neglects to reinvestigate disputes regarding hard inquiries unless fraud or identity theft is alleged, which violates FCRA provisions. \n\nI am aware that on XX/XX/year>, the CFPB filed a lawsuit against Experian, alleging that the company conducted \" sham investigations '' into consumer disputes and failed to properly address inaccuracies in credit reports. The lawsuit asserts that Experian violated the FCRA by : Conducting superficial investigations that do not adequately address consumer disputes. \n\nFailing to delete inaccurate, incomplete, or unverified information from my credit files. \n\n\nMy experiences align with the allegations in the CFPB 's lawsuit, as Experian 's handling of my disputes appears to reflect the same inadequate practices. Their failure to conduct thorough investigations and reliance on automated processes have resulted in the continued presence of inaccurate information on my credit report, adversely affecting my financial standing. \n\nI respectfully request the CFPB 's assistance in : Ensuring the removal or correction of any information that can not be verified as accurate. \n\nImplementing measures to prevent the reinsertion of previously deleted inaccurate information without proper verification and notification. \n\n\nThank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure Experian complies with federal regulations and that my rights as a consumer are protected.","date_sent_to_company":"2025-02-25T00:34:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"12116854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-18T19:24:50.000Z","state":"MD","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":["According to the CFPB 's recent lawsuit, Experian <em>often</em> neglects to reinvestigate <em>disputes</em> regarding hard inquiries unless fraud or identity theft is alleged, which violates FCRA provisions. \n\nI am aware that on XX/XX/year>, the CFPB filed a lawsuit against Experian, alleging that the company conducted \" sham investigations '' into consumer <em>disputes</em> and <em>failed</em> to properly address inaccuracies in credit reports."]},"sort":[13.986945,"12116854"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":302,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":302}]}},"product":{"doc_count":302,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":214,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":211},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Debt 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