{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1652,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8432666","_score":18.630325,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XX/XX/year> - Upgrade failed to provide appropriate required adverse action notifications.\n\n-I feel the decision regarding my credit was based on unlawful reasons because they did not follow their own described processes in my case.\n\n-Upgrade took an adverse action on my account and failed and ultimately refused to disclose what \" information that was relied on '' to make the credit decision.\n\n-Upgrade alleged that I had \" Serious Delinquencies '' - This is not true. I have no serious delinquency or collections on my credit report. \n\n-Upgrade alleged they relied on credit report from \" XXXX XXXX, however, they did not pull a credit report at or around the time of the decision. I have a freeze my information with the other two \" possible '' credit agencies described in their decision. \n\n-My agreement with Upgrade allows for periodic review of \" credit reports '' and nothing else. I have not given authorization for disclose any other personal information. \n\n-Upgrade, willfully, failed to investigate dispute after notification of credit -Upgrade failed to ensure appropriate processes and employee training to ensure compliance with adverse action notification and dispute resolution requirements. \n\n-When I called regarding disputed and requested escalation, my request was refused and the company failed to make correction or investigation.","date_sent_to_company":"2024-02-27T17:53:31.000Z","issue":"Incorrect information on your report","sub_product":"Personal line of credit","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"8432666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2024-02-27T16:11:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> - Upgrade <em>failed</em> to provide <em>appropriate</em> required adverse action notifications.\n\n-I feel the decision <em>regarding</em> my credit was based on unlawful reasons because they did not follow their own described processes in my case.\n\n-Upgrade took an adverse action on my account and <em>failed</em> and ultimately refused to <em>disclose</em> what \" <em>information</em> that was relied on '' to make the credit decision.\n\n-Upgrade alleged that I had \" Serious Delinquencies '' - This is not true."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[18.630325,"8432666"]},{"_index":"complaint-public-v1","_id":"12632171","_score":16.981215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a complaint regarding US Auto Sales and their negligent handling of my auto loan information. Before filing for bankruptcy, US Auto Sales failed to disclose accurate and complete information regarding my loan. They then sold the loan to Westlake Portfolio Management, but the information transferred was incorrect and misleading. Amount sold to westlake was wrong and imcomplete. Now my credit is showing a number that isnt accurate nor was accurate from the very beginning This has caused confusion and potential harm to my credit and financial standing. I respectfully request that this matter be investigated and appropriate actions be taken to ensure accurate reporting and resolution. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-03-25T07:38:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31324","tags":null,"has_narrative":true,"complaint_id":"12632171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-03-25T07:28:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear CFPB, I am writing to file a complaint <em>regarding</em> US Auto Sales and their negligent handling of my auto loan <em>information</em>. Before filing for bankruptcy, US Auto Sales <em>failed</em> to <em>disclose</em> accurate and complete <em>information</em> <em>regarding</em> my loan. They then sold the loan to Westlake Portfolio Management, but the <em>information</em> transferred was incorrect and misleading. Amount sold to westlake was wrong and imcomplete."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.981215,"12632171"]},{"_index":"complaint-public-v1","_id":"12060568","_score":16.266153,"_source":{"product":"Student loan","complaint_what_happened":"I am filing a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive education records have been improperly disclosed, which has led to concerns about my privacy and personal security.\n\nDespite my efforts to resolve this issue with the institution, they have failed to take appropriate action to correct the situation.\n\nI request that the Department of Education investigate this matter immediately and take the necessary steps to ensure my records remain protected. Please inform me of the next steps in this process and any additional information you may require.","date_sent_to_company":"2025-03-06T15:06:02.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"48126","tags":null,"has_narrative":true,"complaint_id":"12060568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-02-12T22:40:44.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I am filing a formal complaint <em>regarding</em> a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive education records have been improperly <em>disclosed</em>, which has led to concerns about my privacy and personal security.\n\nDespite my efforts to resolve this issue with the institution, they have <em>failed</em> to take <em>appropriate</em> action to correct the situation."]},"sort":[16.266153,"12060568"]},{"_index":"complaint-public-v1","_id":"6835015","_score":16.136642,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Westlake Financial regarding their failure to delete delinquency from my credit report, as well as their involvement in dealer fraud that has had a negative impact on my credit and financial situation. \n\nIn XX/XX/2022, I reached an agreement with Westlake Financial to pay off an account in return for the deletion of a delinquency from my credit report. This delinquency was preventing me from obtaining a student loan, and I agreed to pay the account in full based on their assurance that the delinquency would be removed from my credit report. \n\nHowever, despite fulfilling my end of the agreement and paying off the account as agreed, Westlake Financial has failed to delete the delinquency from my credit report. This has caused significant harm to my credit profile and has continued to impact my ability to obtain a student loan, which has had a detrimental effect on my educational pursuits. \n\nFurthermore, I recently discovered that the vehicle associated with the delinquency was sold to me with dealer fraud involved. At the time of purchase, the dealer misrepresented the mileage of the vehicle, reducing it from XXXX miles to XXXX miles, and failed to disclose that the title was a rebuild title. Westlake Financial was aware of this fraud, but failed to disclose this critical information to me, resulting in financial loss and potential legal implications. \n\nI have attempted to resolve this issue with Westlake Financial directly, but they have been unresponsive and have failed to take appropriate action to rectify the situation. Therefore, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to hold Westlake Financial accountable for their failure to delete the delinquency as promised, as well as their involvement in dealer fraud. \n\nI have enclosed relevant documentation, including evidence of the agreement to delete the delinquency and information regarding the dealer fraud, for your review. I appreciate your attention to this matter and look forward to your prompt action in resolving this issue and ensuring that Westlake Financial complies with relevant laws and regulations. \n\nThank you for your assistance","date_sent_to_company":"2023-04-14T01:02:40.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"54915","tags":null,"has_narrative":true,"complaint_id":"6835015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-04-14T00:36:11.000Z","state":"WI","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":["At the time of purchase, the dealer misrepresented the mileage of the vehicle, reducing it from XXXX miles to XXXX miles, and <em>failed</em> to <em>disclose</em> that the title was a rebuild title. Westlake Financial was aware of this fraud, but <em>failed</em> to <em>disclose</em> this critical <em>information</em> to me, resulting in financial loss and potential legal implications."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[16.136642,"6835015"]},{"_index":"complaint-public-v1","_id":"10862990","_score":15.999435,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, Flagship Credit Acceptance has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 2. **GAP Insurance Credits** : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. I urge the CFPB to investigate this matter and take appropriate action to ensure that Flagship Credit Acceptance complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.","date_sent_to_company":"2024-11-21T05:07:52.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"95621","tags":null,"has_narrative":true,"complaint_id":"10862990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-11-21T04:50:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Failure to <em>Disclose</em> Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) <em>regarding</em> the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, Flagship Credit Acceptance has <em>failed</em> to <em>disclose</em> the following critical <em>information</em> : 1."]},"sort":[15.999435,"10862990"]},{"_index":"complaint-public-v1","_id":"20789681","_score":15.601145,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint against XXXX XXXX XXXX regarding deceptive, misleading, and unfair practices in connection with my consumer credit account, in potential violation of federal consumer protection laws, including prohibitions against unfair, deceptive, or abusive acts or practices ( UDAAP ).\n\nOn or about XX/XX/year>, my account was placed into a suspended or restricted status. However, XXXX  failed to provide clear, timely, and adequate notice of this material change. This lack of disclosure deprived me of critical information necessary to make informed financial decisions. \n\nBeginning on XX/XX/year>, I made payments on my account twice per month through XX/XX/year>. These payments were made in good faith under the reasonable belief that my account remained active and that such payments would restore or maintain my account in good standing. \n\nImportantly, during XX/XX/year>, I contacted XXXX  and spoke directly with a customer service representative regarding my account. During this interaction, I was not informed that my account had already been suspended or restricted. This failure to disclose a material fact during a direct inquiry is particularly concerning and directly contributed to my continued payments under false assumptions. \n\nAt no point prior to or during this period was I clearly informed that : - My account had been suspended or restricted ; and - My payments would not result in reinstatement or normal account usage. \n\nXXXX  failure to disclose this material informationespecially during direct communicationconstitutes a deceptive act or practice. Additionally, allowing or accepting payments without clarifying that the account was suspended is inherently unfair, as it caused financial harm and misled me regarding the status and potential benefit of those payments. \n\nAs a result, I suffered financial harm and was deprived of the opportunity to make informed decisions regarding my account and allocation of funds. \n\nI respectfully request that XXXX XXXX XXXX : - Provide a complete and detailed accounting of my account status and all payments made between XX/XX/year>XXXX  and XX/XX/year>XXXX  ; - Explain why timely and adequate notice of account suspension was not provided ; - Explain why their representative failed to disclose the accounts suspended status during my XX/XX/year>XXXX  inquiry ; - Review my account for appropriate remedies, including reimbursement, credits, or other corrective actions ; and - Ensure that appropriate measures are taken to prevent similar deceptive practices affecting other consumers.","date_sent_to_company":"2026-03-30T22:40:06.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"20789681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-30T22:31:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I respectfully request that XXXX XXXX XXXX : - Provide a complete and detailed accounting of my account status and all payments made between XX/XX/year>XXXX  and XX/XX/year>XXXX  ; - Explain why timely and adequate notice of account suspension was not provided ; - Explain why their representative <em>failed</em> to <em>disclose</em> the accounts suspended status during my XX/XX/year>XXXX  inquiry ; - Review my account for <em>appropriate</em> remedies, including reimbursement, credits, or other corrective actions ; and - Ensure"]},"sort":[15.601145,"20789681"]},{"_index":"complaint-public-v1","_id":"10748482","_score":15.547936,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, XXXX XXXX XXXX has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. \n\n2. XXXX XXXX XXXX : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. \n\nUnder California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. \n\nI urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.","date_sent_to_company":"2024-11-10T21:44:08.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"95621","tags":null,"has_narrative":true,"complaint_id":"10748482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-11-10T20:01:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Subject : Failure to <em>Disclose</em> Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) <em>regarding</em> the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, XXXX XXXX XXXX has <em>failed</em> to <em>disclose</em> the following critical <em>information</em> : 1."]},"sort":[15.547936,"10748482"]},{"_index":"complaint-public-v1","_id":"21478631","_score":15.042876,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, Truist Bank withdrew {$1000.00} from my account through what they called a XXXX XXXX XXXX. The funds were taken from my account ending in XXXX and applied to a prior account ending in XXXX. \n\nWhen I opened my account, I worked with two different bankers, and at no point was I informed of any prior negative balance or that my funds could be subject to a setoff. I was never provided any documentation, disclosure, or verbal explanation regarding this prior account or the risk that my deposited funds could be taken.\n\nPrior to this transaction, I had never received any communication, notice, or statement indicating that I had an outstanding balance that could result in my funds being withdrawn. If this had been disclosed, I would have addressed the issue before depositing funds into my account.\n\nAfter the funds were removed, I contacted Truist to request an explanation. I was informed that the funds were applied to a prior account, but I was not given clear or complete information as to why this balance was not disclosed to me during account opening or why the funds were taken without prior notice.\n\nI believe Truist failed to provide proper disclosure and transparency regarding this prior balance and the potential for a setoff. This caused unexpected financial hardship and loss of access to my funds. I am requesting a full investigation, a clear explanation, and appropriate resolution regarding this matter.","date_sent_to_company":"2026-04-22T12:40:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"21478631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-04-22T12:21:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["I am requesting a full investigation, a clear explanation, and <em>appropriate</em> resolution <em>regarding</em> this matter."]},"sort":[15.042876,"21478631"]},{"_index":"complaint-public-v1","_id":"18289206","_score":14.644757,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I contacted Bank of America by phone to request a stop payment / merchant block on a merchant called XXXX XXXX. I was explicitly told by the Bank of America representative that the stop payment had been placed and that transactions from this merchant would be stopped on my credit card. \n\nAt no point during that call was I informed that the stop payment would take several days to take effect, nor was I advised of any delay or interim risk. I relied on the banks representation that the stop payment was active and in place. \n\nXXXX days later, during this undisclosed delay period, transactions totaling approximately {$2400.00} from XXXX XXXX were approved on my account. When I contacted Bank of America again, I was told for the first time that stop payments can take up to XXXX days to become effective. This information was never disclosed during the initial call when the stop payment was requested. \n\nThese charges were authorized only because Bank of America failed to disclose material information regarding the effectiveness timing of the stop payment. Had I been informed that the stop payment was not immediate, I would have taken additional steps to protect my account. \n\nI am not disputing these charges as unauthorized. Rather, I am filing this complaint due to Bank of Americas failure to properly disclose critical information, which caused me direct financial harm. I am requesting remediation in the form of reimbursement, credit, or other appropriate relief, and a review of Bank of Americas stop payment disclosure practices","date_sent_to_company":"2025-12-26T05:02:50.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"18289206","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-26T04:56:25.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This <em>information</em> was never <em>disclosed</em> during the initial call when the stop payment was requested. \n\nThese charges were authorized only because Bank of America <em>failed</em> to <em>disclose</em> material <em>information</em> <em>regarding</em> the effectiveness timing of the stop payment. Had I been informed that the stop payment was not immediate, I would have taken additional steps to protect my account. \n\nI am not disputing these charges as unauthorized."]},"sort":[14.644757,"18289206"]},{"_index":"complaint-public-v1","_id":"9195190","_score":14.590643,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Misrepresentation of School Loan Terms and Lack of Transparency Dear Sir/Madam, I am writing to lodge a formal complaint against Navigation and the Department of Education regarding the sale of a school loan, which has left me in a state of disarray due to undisclosed terms and a lack of transparency in accordance with the Truth in Lending Act ( TILA ). \nUpon entering into an agreement with XXXX  and the Department of Education for a school loan, I was led to believe that the terms provided were fair and transparent. However, it has become evident that critical information regarding the loan, including its profitability and associated risks, were not fully disclosed. \n\nFurthermore, despite encountering significant difficulties due to language barriers, the information provided was insufficient and failed to adequately convey the true nature of the loan. This lack of clarity and understanding has left me facing financial difficulties and uncertainty.\n\nI demand immediate action to rectify this situation, including a thorough investigation into the misrepresentation of the loan terms and appropriate compensation for the damages incurred. It is imperative that Navigation and the Department of Education uphold their obligations under TILA to ensure transparency and fairness in all financial transactions.\n\nI expect a prompt response to this complaint and swift resolution of the issues raised.\n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2024-06-06T18:59:14.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"9195190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-06-06T18:41:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["However, it has become evident that critical <em>information</em> <em>regarding</em> the loan, including its profitability and associated risks, were not fully <em>disclosed</em>. \n\nFurthermore, despite encountering significant difficulties due to language barriers, the <em>information</em> provided was insufficient and <em>failed</em> to adequately convey the true nature of the loan. This lack of clarity and understanding has left me facing financial difficulties and uncertainty."],"sub_issue":["Received bad <em>information</em> about your loan"]},"sort":[14.590643,"9195190"]},{"_index":"complaint-public-v1","_id":"13831217","_score":14.359794,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Formal Complaint Regarding Dealer Fraud, Violations of Federal Regulations, and Unresolved Vehicle Issues Dear Sir/Madam, I am writing to formally file a complaint concerning serious issues I have encountered with a Buy Here Pay Her dealership and Consumer Portfolio Services that involved fraudulent practices, violations of federal regulations, and the mishandling of my case despite multiple attempts at resolution. Specifically, the dealership involved in my transaction : Failed to provide a proper Buyers Guide, thus violating federal regulations governing auto sales. Sold me a vehicle without disclosing its mechanical problems, including a defective engine, which I only discovered after purchase. Refused to disclose whether the vehicle was sold with or without warranty coverage. Engaged in dealer fraud by misrepresenting the condition of the vehicle and withholding critical information about its mechanical issues. Illegally retained my down payment after I requested rescission of the contract based on the fraudulent sale and non-disclosure. Despite my efforts to seek resolution, I have sent two certified letters to your office Consumer Portfolio Services & XXXX XXXX XXXX XXXX requesting assistance and investigation into these violations, but my concerns remain unaddressed. Furthermore, after the vehicle 's mechanical issues became apparent, Consumer Portfolio Services XXXX XXXX XXXX XXXX refused to rescind the contract, and my vehicle was unjustly repossessed. \n\nConsumer Portfolio Services refused to rescind the contract despite clear evidence of fraud, and subsequently, my vehicle was repossessed unjustly.\n\nI have documented proof that the dealer violated federal laws, failed to disclose the vehicles mechanical issues, and engaged in illegal practices to profit at my expense. These actions have caused me significant financial loss, distress, and inconvenience.\n\nI request that your office immediately investigate this matter, review all relevant documentation, including the evidence of dealer misconduct, and take appropriate action to rectify this situationspecifically, the rescission of the contract and return of my down payment.\n\nI expect a response within 15 business days from the date of this letter. Please consider this a formal complaint, and I reserve the right to escalate this matter to appropriate regulatory authorities if my concerns are not adequately addressed.\n\nThank you for your prompt attention to this serious matter.","date_sent_to_company":"2025-06-01T18:08:51.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"13831217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2025-06-01T17:27:30.000Z","state":"MD","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Specifically, the dealership involved in my transaction : <em>Failed</em> to provide a proper Buyers Guide, thus violating federal regulations governing auto sales. Sold me a vehicle without <em>disclosing</em> its mechanical problems, including a defective engine, which I only discovered after purchase. Refused to <em>disclose</em> whether the vehicle was sold with or without warranty coverage."]},"sort":[14.359794,"13831217"]},{"_index":"complaint-public-v1","_id":"18897622","_score":14.321426,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am disputing a solar financing loan issued by GoodLeap because the loan was induced by misleading representations regarding system performance and savings.\n\nAt the time of sale, I was told the solar system would significantly reduce or nearly eliminate my electric bill. Instead, I continue to receive substantial monthly utility bills in addition to the loan payment, resulting in two ongoing energy-related bills. \n\nThe installer, XXXX XXXX, has acknowledged in writing that the system has experienced recurring equipment issues involving a failed optimizer. Despite this, neither the installer nor the lender has provided projected versus actual production data to verify that the system is performing as represented at the time the loan was originated. \n\nI believe this loan would not have been entered into had accurate and complete information about system performance, savings, and ongoing costs been disclosed. I am requesting that GoodLeap review this loan for appropriate relief, including suspension, modification, or cancellation.","date_sent_to_company":"2026-01-21T18:59:50.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"31312","tags":"Servicemember","has_narrative":true,"complaint_id":"18897622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2026-01-21T18:26:29.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe this loan would not have been entered into had accurate and complete <em>information</em> about system performance, savings, and ongoing costs been <em>disclosed</em>. I am requesting that GoodLeap review this loan for <em>appropriate</em> relief, including suspension, modification, or cancellation."]},"sort":[14.321426,"18897622"]},{"_index":"complaint-public-v1","_id":"8559514","_score":14.19049,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against LVNV Funding regarding their unlawful disclosure of my debt information to unauthorized individuals, specifically my family members. \n\nIn lat 2023, I became aware that LVNV Funding had been contacting my mother and other family members, disclosing details about my outstanding debt without my consent. This breach of privacy has caused significant distress and embarrassment to both myself and my family. \n\nAs a consumer, I have the right to privacy and confidentiality regarding my financial matters. LVNV Funding 's actions not only violate my rights but also disregard ethical standards and professional conduct. \n\nI demand tha\n\nt LVNV Funding immediately cease all communication with my family members and refrain from sharing any further information about my debt without my explicit consent. Additionally, I expect LVNV Funding to issue a formal apology for their misconduct and implement measures to prevent similar incidents in the future. If LVNV Funding fails to address this matter satisfactorily, I will h\nave no choice but to pursue further action through regulatory authorities and legal channels.\n\nI trust that you will take this complaint seriously and take appropriate steps to rectify the situation promptly.","date_sent_to_company":"2024-03-17T02:08:45.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"925XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8559514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-03-17T01:59:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["If LVNV Funding <em>fails</em> to address this matter satisfactorily, I will h\nave no choice but to pursue further action through regulatory authorities and legal channels.\n\nI trust that you will take this complaint seriously and take <em>appropriate</em> steps to rectify the situation promptly."],"issue":["Threatened to contact someone or share <em>information</em> improperly"]},"sort":[14.19049,"8559514"]},{"_index":"complaint-public-v1","_id":"18933838","_score":14.152702,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting this formal complaint to demand the immediate deletion of a charged-off personal loan account that is currently being reported and handled in violation of federal consumer protection and privacy laws. \n\nFollowing the charge-off of this account, my personal and financial information was sold, transferred, or otherwise disclosed to multiple third-party entities without my consent, authorization, or proper notice. As a direct result, I have been subjected to ongoing and unsolicited phone calls, emails, and other communications from unknown third parties. This conduct constitutes harassment and demonstrates a failure to safeguard my personal information. \n\nThe original lender failed to provide transparency regarding the ownership of the alleged debt, failed to identify the entities to whom my information was disclosed, and failed to maintain control over the handling of my personal data. Once my information was improperly disseminated, the accuracy, integrity, and reliability of the account data were compromised beyond correction. \n\nBecause my personal information has been unlawfully distributed and the account has been mishandled after charge-off, the tradeline can no longer be verified as accurate, complete, or compliant with the Fair Credit Reporting Act ( FCRA ). Continued reporting of this account under these circumstances is unfair, misleading, and legally impermissible. Correction is not sufficient ; deletion is the only appropriate remedy. \n\nAdditionally, the excessive third-party contact associated with this account raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and constitutes an abusive practice tied directly to the reporting of this tradeline. \n\nI am formally demanding : Immediate deletion of this account from all consumer credit reporting agencies Written confirmation that the tradeline has been permanently removed Confirmation that my personal information will no longer be sold, shared, or distributed in connection with this account If deletion is not promptly completed, I request CFPB enforcement review, as continued reporting would constitute willful noncompliance with federal consumer protection laws. \n\nThank you for your attention. I expect written confirmation of deletion. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-22T20:29:32.000Z","issue":"Improper use of your report","sub_product":"Personal line of credit","zip_code":"28215","tags":null,"has_narrative":true,"complaint_id":"18933838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2026-01-22T20:21:01.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The original lender <em>failed</em> to provide transparency <em>regarding</em> the ownership of the alleged debt, <em>failed</em> to identify the entities to whom my <em>information</em> was <em>disclosed</em>, and <em>failed</em> to maintain control over the handling of my personal data. Once my <em>information</em> was improperly disseminated, the accuracy, integrity, and reliability of the account data were compromised beyond correction."]},"sort":[14.152702,"18933838"]},{"_index":"complaint-public-v1","_id":"12003207","_score":14.152313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Lendmark Financial for the unlawful reporting of my personal information to credit reporting agencies. I am requesting immediate action to stop the sharing of my personal data, including any payment history, and to remove any associated account information from my credit reports. \n\nAs per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies and companies must ensure that any information provided about me is accurate, verified, and does not violate my privacy rights. Under the FCRA, no entity has the right to report or disclose my personal information without my explicit consent or without ensuring that it is accurate. I assert that Lendmark Financial has failed to comply with these requirements. \n\nAdditionally, under the Privacy Act of 1974, personal information, including credit data, can not be disclosed or shared by any company or agency without my consent, unless there is a legal basis for doing so. I assert that Lendmark Financial has failed to provide sufficient, legal justification for the continued reporting of this data to credit bureaus, especially in light of my rights under both federal and state law. \n\nAs a result, I request that Lendmark Financial immediately cease all reporting of my personal information and remove any associated data from my credit files. I demand that they cease sharing this information with all credit reporting agencies. \n\nPlease investigate this matter under the full extent of the laws governing privacy, the sharing of credit information, and consumer protections. I request that you take all appropriate action to ensure that my personal data is no longer reported or shared and that Lendmark Financial complies with applicable laws regarding the protection of my privacy. \n\nIf Lendmark Financial does not remove the inaccurate and unauthorized information, I am prepared to pursue additional actions with your office and any other relevant authorities to ensure my rights are fully protected.","date_sent_to_company":"2025-02-08T22:17:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"12003207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lendmark Financial Services","date_received":"2025-02-08T22:07:49.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I request that you take all <em>appropriate</em> action to ensure that my personal data is no longer reported or shared and that Lendmark Financial complies with applicable laws <em>regarding</em> the protection of my privacy. \n\nIf Lendmark Financial does not remove the inaccurate and unauthorized <em>information</em>, I am prepared to pursue additional actions with your office and any other relevant authorities to ensure my rights are fully protected."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.152313,"12003207"]},{"_index":"complaint-public-v1","_id":"11634541","_score":14.117471,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a formal complaint against Capital One regarding deceptive practices related to their XXXX \" XXXX XXXX XXXX '' savings accounts. Capital One misrepresented the XXXX Savings account as offering XXXX of the highest interest rates available in the nation. However, the company failed to notify account holders of the superior rates provided by the XXXX XXXX XXXX account, which I believe to be a deliberate act of obscurity and a lack of transparency. \n\nThis failure to fully disclose available options has directly violated consumer trust and, in my case, resulted in significant financial losses. Capital One 's actions are not only misleading but also violate the Consumer Financial Protection Act and the Truth in Savings Act, both of which aim to ensure that financial institutions provide clear and accurate information to consumers. \n\nAs a result of this practice, I am seeking redress for the misleading information presented to me and other account holders. I request compensation for the financial losses incurred as a result of Capital One 's failure to disclose the superior rates of the XXXX XXXX XXXX account. Additionally, I am requesting that Capital One rectify their practices to ensure full transparency for all future account holders, in compliance with federal regulations. \n\nI trust the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to hold Capital One accountable for their deceptive practices. I look forward to a prompt response and resolution of this issue.","date_sent_to_company":"2025-01-18T20:36:07.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"76018","tags":null,"has_narrative":true,"complaint_id":"11634541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-18T20:13:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against Capital One <em>regarding</em> deceptive practices related to their XXXX \" XXXX XXXX XXXX '' savings accounts. Capital One misrepresented the XXXX Savings account as offering XXXX of the highest interest rates available in the nation. However, the company <em>failed</em> to notify account holders of the superior rates provided by the XXXX XXXX XXXX account, which I believe to be a deliberate act of obscurity and a lack of transparency."]},"sort":[14.117471,"11634541"]},{"_index":"complaint-public-v1","_id":"10963251","_score":14.075251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this follow-up complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax Information Services LLC 's ( Equifax ) repeated failure to respond to my inquiries, as detailed in complaint IDs XXXX and XXXX. Equifax has consistently avoided answering my direct questions regarding the identity of the creditors responsible for unauthorized address changes on my credit file. Specifically, I request that Equifax disclose ( 1 ) the creditor who initiated the false and unauthorized address change on XX/XX/year>, which altered my address to an out-of-state location, and ( 2 ) the creditor who initiated the false and unauthorized address change on XX/XX/year>, which assigned my credit file an unserviceable building address without a unit number. Despite multiple disputes filed under complaint numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, Equifax has repeatedly failed to provide the requested information, which is critical for me to take further appropriate actions. Attached to this complaint are my W-2 form and a recent utility bill for identity and address verification. I urge the CFPB to compel Equifax to provide the requested information promptly. Thank you for your attention to this matter.","date_sent_to_company":"2024-11-27T05:52:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98052","tags":null,"has_narrative":true,"complaint_id":"10963251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-27T05:37:48.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Despite multiple disputes filed under complaint numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, Equifax has repeatedly <em>failed</em> to provide the requested <em>information</em>, which is critical for me to take further <em>appropriate</em> actions. Attached to this complaint are my W-2 form and a recent utility bill for identity and address verification. I urge the CFPB to compel Equifax to provide the requested <em>information</em> promptly. Thank you for your attention to this matter."]},"sort":[14.075251,"10963251"]},{"_index":"complaint-public-v1","_id":"7027009","_score":13.989868,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have identified several instances where Experian and XXXX have failed to comply with the FCRA, specifically 15 U.S.C. 1681, 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681 Section 602a, 15 U.S.C. 1681 Section 604a Section 2, 15 U.S.C. 1681c ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ).\n\nThe violations that I have uncovered are as follows : Inaccurate Reporting : Upon reviewing my credit report obtained from XXXX XXXX, I have discovered numerous inaccuracies that are inconsistent with my credit history. These discrepancies, including incorrect dates ( last verified, opened and/or closed, and last activity ), balances, and account status, have a detrimental impact on my creditworthiness and financial well-being.\n\nFailure to Conduct Reasonable Investigations : According to 15 U.S.C. 1681i ( 5 ), it is the responsibility of Experian and XXXX to perform a reasonable investigation upon receipt of a consumer dispute. However, my investigation reveals that Experian and XXXX have not fulfilled this obligation adequately. They have failed to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. \n\nFailure to Disclose Information : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), Experian and XXXX are required to disclose complete and accurate information to consumers upon request. However, I have encountered difficulties in obtaining comprehensive information regarding the sources and nature of the reported items. This lack of transparency hampers their ability to verify the accuracy of the reported information. \n\nInadequate Data Security Measures : I have uncovered concerns regarding the effectiveness of Experian and XXXX 's data security protocols. In light of the increasing prevalence of identity theft and data breaches, it is essential for Experian and XXXX to maintain robust measures to protect consumers ' sensitive information, as mandated by 15 U.S.C. 1681 Section 602a. \n\nThese violations by Experian and XXXX undermine the integrity of the credit reporting system and have a significant impact on my financial well-being. Therefore, I urge you to investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. \n\nI have enclosed supporting documentation, including copies of my credit report, highlighting the reported inaccuracies and inconsistencies. Kindly acknowledge receipt of this complaint and provide updates on the progress and resolution of the investigation. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these violations and protect the rights of consumers under the FCRA.","date_sent_to_company":"2023-05-26T03:57:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91206","tags":"Servicemember","has_narrative":true,"complaint_id":"7027009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-26T03:27:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They have <em>failed</em> to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. \n\nFailure to <em>Disclose</em> <em>Information</em> : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), Experian and XXXX are required to <em>disclose</em> complete and accurate <em>information</em> to consumers upon request. However, I have encountered difficulties in obtaining comprehensive <em>information</em> <em>regarding</em> the sources and nature of the reported items."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.989868,"7027009"]},{"_index":"complaint-public-v1","_id":"7027078","_score":13.973357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have identified several instances where XXXX and Transunion have failed to comply with the FCRA, specifically 15 U.S.C. 1681, 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681 Section 602a, 15 U.S.C. 1681 Section 604a Section 2, 15 U.S.C. 1681c ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ). \n\nThe violations that I have uncovered are as follows : Inaccurate Reporting : Upon reviewing my credit report obtained from XXXX XXXX, I have discovered numerous inaccuracies that are inconsistent with my credit history. These discrepancies, including incorrect dates ( last verified, opened and/or closed, and last activity ), balances, and account status, have a detrimental impact on my creditworthiness and financial well-being. \n\nFailure to Conduct Reasonable Investigations : According to 15 U.S.C. 1681i ( 5 ), it is the responsibility of XXXX and Transunion to perform a reasonable investigation upon receipt of a consumer dispute. However, my investigation reveals that XXXX and Transunion have not fulfilled this obligation adequately. They have failed to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. \n\nFailure to Disclose Information : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), XXXX and Transunion are required to disclose complete and accurate information to consumers upon request. However, I have encountered difficulties in obtaining comprehensive information regarding the sources and nature of the reported items. This lack of transparency hampers their ability to verify the accuracy of the reported information. \n\nInadequate Data Security Measures : I have uncovered concerns regarding the effectiveness of XXXX and Transunion 's data security protocols. In light of the increasing prevalence of identity theft and data breaches, it is essential for XXXX and Transunion to maintain robust measures to protect consumers ' sensitive information, as mandated by 15 U.S.C. 1681 Section 602a. \n\nThese violations by XXXX and Transunion undermine the integrity of the credit reporting system and have a significant impact on my financial well-being. Therefore, I urge you to investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. \n\nI have enclosed supporting documentation, including copies of my credit report, highlighting the reported inaccuracies and inconsistencies. Kindly acknowledge receipt of this complaint and provide updates on the progress and resolution of the investigation. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these violations and protect the rights of consumers under the FCRA.","date_sent_to_company":"2023-05-26T03:57:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91206","tags":"Servicemember","has_narrative":true,"complaint_id":"7027078","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-26T03:57:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They have <em>failed</em> to correct or respond to the disputed items within the statutory timeframe, impeding my ability to rectify the inaccuracies in my credit report. \n\nFailure to <em>Disclose</em> <em>Information</em> : Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), XXXX and Transunion are required to <em>disclose</em> complete and accurate <em>information</em> to consumers upon request. However, I have encountered difficulties in obtaining comprehensive <em>information</em> <em>regarding</em> the sources and nature of the reported items."]},"sort":[13.973357,"7027078"]},{"_index":"complaint-public-v1","_id":"13576183","_score":13.85178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is regarding Experian 's continued reporting of a bankruptcy that does not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/year>, I submitted a formal dispute via certified mail, invoking my rights under 15 U.S.C. 1681i ( a ) ( 1 ). I clearly stated that I have never filed for bankruptcy, and that the record being reported is fraudulent or misattributed. \n\nI demanded that Experian : Conduct a full reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) Delete the bankruptcy if it could not be verified through original documentation, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Disclose the source of the information under 15 U.S.C. 1681g ( a ) ( 2 ) Provide a document bearing my signature that ties me to this alleged bankruptcy Experian failed to respond appropriately. They did not provide any documentation, did not disclose any source, and simply stated the item was verified which is not sufficient under the FCRA. They also failed to indicate whether the verification came from an actual furnisher, as required by law. \n\nUse of XXXX XXXXXXXX, or any third-party aggregator is not legally sufficient because these are not furnishers under the FCRA ( 15 U.S.C. 1681s-2 ). \n\nTo be clear : XXXX has already removed this bankruptcy after completing their own investigation. This demonstrates the record is not verifiable and should be removed by Experian as well. \n\nExperian is now in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 15 U.S.C. 1681g ( a ) ( 2 ) Failure to disclose the source of information 15 U.S.C. 1681n Willful noncompliance subject to statutory and punitive damages I am attaching the original dispute letter I sent to Experian via certified mail as evidence, along with proof that XXXX has deleted the same bankruptcy from my credit report. \nI respectfully request that the CFPB : Compel Experian to delete the bankruptcy entry Require Experian to disclose the furnisher and provide a document bearing my signature Ensure Experian ceases reliance on third-party data aggregators in lieu of proper verification Thank you.","date_sent_to_company":"2025-05-18T14:48:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32703","tags":null,"has_narrative":true,"complaint_id":"13576183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-18T14:41:34.000Z","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":["I demanded that Experian : Conduct a full reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) Delete the bankruptcy if it could not be verified through original documentation, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) <em>Disclose</em> the source of the <em>information</em> under 15 U.S.C. 1681g ( a ) ( 2 ) Provide a document bearing my signature that ties me to this alleged bankruptcy Experian <em>failed</em> to respond <em>appropriately</em>."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.85178,"13576183"]},{"_index":"complaint-public-v1","_id":"14376254","_score":13.802059,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : XXXX U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian and I reserve the right to pursue civil litigation if these matters are not addressed promptly and fully. \n\nPlease confirm receipt of this letter and provide a formal response outlining the steps your office is taking to resolve this serious matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-30T14:14:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21244","tags":null,"has_narrative":true,"complaint_id":"14376254","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-30T14:13:27.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They have <em>failed</em> in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed <em>information</em>.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete <em>information</em>.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or <em>disclose</em> disputed debts without my consent."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.802059,"14376254"]},{"_index":"complaint-public-v1","_id":"11464628","_score":13.799892,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against Experian for Non-Compliance with FCRA and Privacy Violations To Whom It May Concern, I am filing this complaint regarding Experian 's failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) and their violations of my privacy rights under 15 U.S. Code 6802. Specifically, Experian has violated the following : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of my credit report.\n\n15 USC 1681s-2 : Neglecting to maintain and report accurate information.\n\n15 USC 1681i ( 5 ) : Not conducting proper investigations into disputed information.\n\n15 USC 1681c ( c ) : Reinserted inaccurate information without proper notice.\n\n15 U.S. Code 6802 : Disclosed my nonpublic personal information to nonaffiliated third parties without proper notice, opt-out provisions, or consent. \nI have sent multiple dispute letters to Experian regarding inaccuracies associated with the following account numbers : XXXX XXXX XXXX Despite my efforts, Experian has failed to provide adequate investigations or corrections for these disputed accounts. Additionally, Experians actions have violated my privacy rights by failing to notify me or provide an opportunity to opt out of sharing my nonpublic personal information with nonaffiliated third parties, as outlined under 15 U.S. Code 6802 ( a ) and ( b ).\n\nSpecifically, Experian : Did not provide a clear and conspicuous disclosure explaining that my personal information would be disclosed to third parties.\n\nFailed to allow me the opportunity to opt out of such disclosures.\n\nDid not explain how I could exercise my nondisclosure option.\n\nThese practices constitute a violation of my privacy and undermine my trust as a consumer. Furthermore, I recently learned about the CFPB 's lawsuit against Experian for their \" sham investigations '' and systemic issues with handling disputes. My experience reflects these issues, as Experian has consistently disregarded my concerns without conducting a proper investigation.\n\nThese inaccuracies and privacy violations are impacting my credit score, access to credit, and overall financial stability. I request the following resolution : Immediate reinvestigation of all disputed items associated with the account numbers provided.\n\nPermanent removal of all inaccurate information. \nXXXX that no previously deleted items will be reinserted without proper notice. \nAn explanation of why my nonpublic personal information was disclosed to third parties without appropriate notification or my consent. \nI am attaching supporting documents, including my dispute letters, Experians responses ( or lack thereof ), and credit reports showing the errors in question. \n\nPlease address this complaint promptly to resolve these issues. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-10T22:01:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11464628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T21:39:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 6802 : <em>Disclosed</em> my nonpublic personal <em>information</em> to nonaffiliated third parties without proper notice, opt-out provisions, or consent. \nI have sent multiple dispute letters to Experian <em>regarding</em> inaccuracies associated with the following account numbers : XXXX XXXX XXXX Despite my efforts, Experian has <em>failed</em> to provide adequate investigations or corrections for these disputed accounts."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.799892,"11464628"]},{"_index":"complaint-public-v1","_id":"14380850","_score":13.799667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : XXXX U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian and I reserve the right to pursue civil litigation if these matters are not addressed promptly and fully. \n\nPlease confirm receipt of this letter and provide a formal response outlining the steps your office is taking to resolve this serious matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-30T14:13:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21244","tags":null,"has_narrative":true,"complaint_id":"14380850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-30T13:49:39.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They have <em>failed</em> in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed <em>information</em>.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete <em>information</em>.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or <em>disclose</em> disputed debts without my consent."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.799667,"14380850"]},{"_index":"complaint-public-v1","_id":"14376253","_score":13.799667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing inaccurate, misleading, and harmful information being reported on my credit profile as a direct result of identity theft. My personal data was compromised in the XXXX data breach, which placed me at significant risk for fraud and financial harm. Since this breach, my credit report has included negative entries that I do not recognize and did not authorize. \n\nThis breach has resulted in : Fraudulent or misattributed charge-offs Improperly placed collection accounts Multiple late payment entries which I dispute in their entirety The parties reporting these items have failed to meet their obligations under federal law, and I invoke the following statutes : XXXX U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. They have failed in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed information.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete information.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or disclose disputed debts without my consent. \n\nThese violations have caused substantial damage to my financial standing, including lower credit scores, denials for credit, and emotional distress. I request that the CFPB initiate an immediate investigation into the reporting and furnishing practices related to my credit file and hold the appropriate entities accountable. \n\nI demand the permanent removal of all negative and unverifiable information from my credit reports across Experian and I reserve the right to pursue civil litigation if these matters are not addressed promptly and fully. \n\nPlease confirm receipt of this letter and provide a formal response outlining the steps your office is taking to resolve this serious matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-30T14:13:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21244","tags":null,"has_narrative":true,"complaint_id":"14376253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-30T14:13:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They have <em>failed</em> in this duty.\n\n15 U.S.C. 1681i I am entitled to a timely and complete reinvestigation of disputed <em>information</em>.\n\n15 U.S.C. 1681s-2 Furnishers of data are legally obligated to report only accurate and complete <em>information</em>.\n\n15 U.S.C. 1692cc It is unlawful for third parties ( such as collectors ) to share or <em>disclose</em> disputed debts without my consent."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.799667,"14376253"]},{"_index":"complaint-public-v1","_id":"10962296","_score":13.582407,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint Regarding Credit Report Fee Charged After Loan Denial Dear CFPB, I am writing to formally file a complaint regarding a credit report fee charged by [ both XXXX XXXX  XXXX Better Mortgage ] in connection with a recent loan application. The issue concerns the fee of [ {$200.00} by XXXX & {$150.00} by Better Mortgage ] that was charged to my account even though my loan application was denied. \n\nDetails of the Complaint : XXXX XXXX : XXXX. Loan Application Date : [ XX/XX/year> ] XXXX. Fee Amount : [ {$200.00} ] Better Mortgage : Loan Application Date : XX/XX/year> Fee amount : {$150.00} XXXX. Reason for Complaint : The lender charged a non-refundable credit report fee but did not sufficiently disclose this policy before I submitted my application. \nI believe this practice may violate transparency and fair dealing principles under the Real Estate Settlement Procedures Act ( RESPA ) and other applicable consumer protection laws.\n\nSupporting Information : The lenders terms and conditions failed to provide clear, upfront disclosure about the non-refundable nature of the credit report fee in case of a loan denial.\n\nImpact on Me : This unexpected charge has caused financial inconvenience and raised concerns about the lenders practices. I believe such fees should only be imposed if properly disclosed and justified under the law.\n\nI kindly request that your office review this matter and take appropriate action. Please let me know if additional information is needed to proceed with the investigation. \n\nThank you for your attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-28T15:35:32.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"75074","tags":null,"has_narrative":true,"complaint_id":"10962296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Better Mortgage, Inc.","date_received":"2024-11-28T15:02:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Fees or costs during the application process"},"highlight":{"complaint_what_happened":["Supporting <em>Information</em> : The lenders terms and conditions <em>failed</em> to provide clear, upfront disclosure about the non-refundable nature of the credit report fee in case of a loan denial.\n\nImpact on Me : This unexpected charge has caused financial inconvenience and raised concerns about the lenders practices. I believe such fees should only be imposed if properly <em>disclosed</em> and justified under the law.\n\nI kindly request that your office review this matter and take <em>appropriate</em> action."]},"sort":[13.582407,"10962296"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1652,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1652}]}},"product":{"doc_count":1652,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1100,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1093},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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