{"took":4229,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4761,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22166897","_score":15.984123,"_source":{"product":"Checking or savings account","complaint_what_happened":"After I submitted all required documents, XXXX from the Resolution Team reviewed and verified everything. She confirmed that my account was fully verified, removed all restrictions, and successfully unfroze my account. At that point, I was able to log in without any issues on XX/XX/year> around XXXX However, shortly after, I was transferred to another representative ( The lady from fraudulent department ) for additional questions Ive had. During this interaction, the representative was unexpectedly rude, unprofessional, and hostile. Despite my account already being verified and restored, she proceeded to disregard the prior resolution, added new notes to my account, and demanded that I resubmit all documents and repeat the verification process.\n\nThis is extremely confusing and unacceptable. My account had already been fully verified and reactivated by XXXX, and I was able to access it successfully. Reversing that resolution without clear justification raises serious concerns about inconsistency and internal communication within your team. \n\nI request a clear explanation of why my verified status was overturned and why I am being asked to repeat a process that had already been completed and confirmed. This situation needs to be reviewed and resolved promptly.","date_sent_to_company":"2026-05-13T18:06:05.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"32807","tags":null,"has_narrative":true,"complaint_id":"22166897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2026-05-13T17:57:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Despite my account already being <em>verified</em> and restored, she proceeded to disregard the prior resolution, added new notes to my account, and <em>demanded</em> that I resubmit all documents and repeat the <em>verification</em> process.\n\nThis is extremely confusing and unacceptable. My account had already been <em>fully</em> <em>verified</em> and reactivated by XXXX, and I was able to access it successfully."]},"sort":[15.984123,"22166897"]},{"_index":"complaint-public-v1","_id":"8392899","_score":15.525441,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Stellantis, did not do their due diligence, I the consumer requested a XXXX XXXX. Please provide me with the name of that individual, their business address, and telephone number. This law is very clear to civil liability and the remedy available to me for me for negligent. Section 617. If you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this manner. To enforce my rights under the FCRA. I demand this account to be verified or deleted immediately.","date_sent_to_company":"2024-02-21T18:28:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"89139","tags":null,"has_narrative":true,"complaint_id":"8392899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Stellantis Financial Services US Corp.","date_received":"2024-02-21T18:00:55.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["This law is very <em>clear</em> to civil liability and the remedy available to me for me for negligent. Section 617. If you fail to comply with this federal law. I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this manner. To enforce my rights under the FCRA. I <em>demand</em> this account to be <em>verified</em> or deleted immediately."]},"sort":[15.525441,"8392899"]},{"_index":"complaint-public-v1","_id":"15853521","_score":15.525441,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Let me be absolutely clear : this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my credit, finances, and wellbeing. I insist you open a full reinvestigation of all disputed entries now. If you can not fully verify and certify each item as accurate and belonging to me, delete it from my file and stop reporting it.","date_sent_to_company":"2025-09-11T15:49:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93703","tags":null,"has_narrative":true,"complaint_id":"15853521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-10T08:31:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Let me be absolutely <em>clear</em> : this complaint is legitimate and <em>demands</em> immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my credit, finances, and wellbeing. I insist you open a full reinvestigation of all disputed entries now. If you can not <em>fully</em> <em>verify</em> and certify each item as accurate and belonging to me, delete it from my file and stop reporting it."]},"sort":[15.525441,"15853521"]},{"_index":"complaint-public-v1","_id":"4758264","_score":15.226783,"_source":{"product":"Debt collection","complaint_what_happened":"My Last complaint to this company XXXX did not report any findings regarding the debt they are trying to collect on. Under the law they have not provided any verifiable details stating that this debt in fact mine. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of identity Fraud 3. Violations of the Fair Credit Reporting Act. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.","date_sent_to_company":"2021-09-27T20:14:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"4758264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2021-09-27T20:11:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The law is very <em>clear</em> as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA. I <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[15.226783,"4758264"]},{"_index":"complaint-public-v1","_id":"4153757","_score":14.601337,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2021-02-20T19:59:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"4153757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-20T19:52:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA I <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[14.601337,"4153757"]},{"_index":"complaint-public-v1","_id":"4153759","_score":14.596335,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\nThe law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2021-02-20T19:59:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"4153759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-20T19:59:33.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA I <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[14.596335,"4153759"]},{"_index":"complaint-public-v1","_id":"12399352","_score":14.272377,"_source":{"product":"Debt collection","complaint_what_happened":"I firmly demand the immediate removal of this unauthorized account from my credit report, unless verifiable evidence is provided without delay to substantiate its legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, it is the responsibility of credit reporting agencies and data furnishers to ensure that only accurate, authorized, and fully verified information is reported on a consumer 's credit file. \n\nThe presence of unauthorized transactions or fraudulent accounts on my credit report is a direct violation of my financial security and credit integrity. These errors not only undermine my creditworthiness but also expose me to potential identity theft and financial harm. If these transactions can not be verified with clear, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing.","date_sent_to_company":"2025-03-10T01:54:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89115","tags":null,"has_narrative":true,"complaint_id":"12399352","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-10T01:48:59.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If these transactions can not be <em>verified</em> with <em>clear</em>, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing."]},"sort":[14.272377,"12399352"]},{"_index":"complaint-public-v1","_id":"12399341","_score":14.25345,"_source":{"product":"Debt collection","complaint_what_happened":"I firmly demand the immediate removal of this unauthorized account from my credit report, unless verifiable evidence is provided without delay to substantiate its legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, it is the responsibility of credit reporting agencies and data furnishers to ensure that only accurate, authorized, and fully verified information is reported on a consumer 's credit file. \n\nThe presence of unauthorized transactions or fraudulent accounts on my credit report is a direct violation of my financial security and credit integrity. These errors not only undermine my creditworthiness but also expose me to potential identity theft and financial harm. If these transactions can not be verified with clear, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing.","date_sent_to_company":"2025-03-10T01:54:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89115","tags":null,"has_narrative":true,"complaint_id":"12399341","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T01:48:56.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If these transactions can not be <em>verified</em> with <em>clear</em>, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing."]},"sort":[14.25345,"12399341"]},{"_index":"complaint-public-v1","_id":"3201371","_score":14.117809,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.","date_sent_to_company":"2019-04-04T15:03:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10304","tags":null,"has_narrative":true,"complaint_id":"3201371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-04-04T15:03:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The law is very <em>clear</em> as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI <em>demand</em> that you send me copies of the documents you used to <em>verify</em> the following accounts listed below or you delete them immediately."]},"sort":[14.117809,"3201371"]},{"_index":"complaint-public-v1","_id":"3201334","_score":14.11543,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \nI demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.","date_sent_to_company":"2019-04-04T15:03:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10304","tags":null,"has_narrative":true,"complaint_id":"3201334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-04-04T15:03:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The law is very <em>clear</em> as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA. \nI <em>demand</em> that you send me copies of the documents you used to <em>verify</em> the following accounts listed below or you delete them immediately."]},"sort":[14.11543,"3201334"]},{"_index":"complaint-public-v1","_id":"15450295","_score":14.039922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This serves as formal notice and demand regarding the inaccurate and unlawful reporting of the charge-off account listed above. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to pursue legal action if this violation is not corrected immediately. \nLet me be crystal clear : You are currently reporting a charge-off account that has not been fully verified according to federal law. Per 15 U.S.C. 1681i, you are REQUIRED to conduct a reasonable investigation upon request and provide proof that the information youre furnishing to the credit bureaus is 100 % accurate and verifiable. So far, youve failed to do so. I demand the following immediately : Full validation of this alleged debt, including a signed contract bearing my signature. \nA complete payment history and breakdown of charges. \nProof that you have legal authority to report this debt. \nIf this account has been sold or transferred, include documentation reflecting the chain of custody. \nUntil you can provide the above, this charge-off is considered unverified and must be deleted immediately from all consumer reporting agencies, including but not limited to XXXX, Equifax, and XXXX. \nLet this serve as your final warning :","date_sent_to_company":"2025-08-22T19:56:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11208","tags":null,"has_narrative":true,"complaint_id":"15450295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-22T19:39:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This serves as formal notice and <em>demand</em> regarding the inaccurate and unlawful reporting of the charge-off account listed above. I am <em>fully</em> aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I will not hesitate to pursue legal action if this violation is not corrected immediately. \nLet me be crystal <em>clear</em> : You are currently reporting a charge-off account that has not been <em>fully</em> <em>verified</em> according to federal law."]},"sort":[14.039922,"15450295"]},{"_index":"complaint-public-v1","_id":"5215627","_score":14.021002,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? \nYou have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2022-02-13T08:28:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31324","tags":null,"has_narrative":true,"complaint_id":"5215627","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-13T02:36:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[14.021002,"5215627"]},{"_index":"complaint-public-v1","_id":"5215630","_score":14.013681,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? \nYou have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2022-02-13T08:28:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31324","tags":null,"has_narrative":true,"complaint_id":"5215630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-13T03:28:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[14.013681,"5215630"]},{"_index":"complaint-public-v1","_id":"5215628","_score":14.013681,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is CXXXX XXXX. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly ? Who verified these accounts? \nYou have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA  you are required to ...promptly DELETE all information which cannot be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2022-02-13T08:28:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31324","tags":null,"has_narrative":true,"complaint_id":"5215628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-13T03:28:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[14.013681,"5215628"]},{"_index":"complaint-public-v1","_id":"16459065","_score":13.943485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. \n\nXXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. \n\nXXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. \n\nXXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. \n\nXXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. \n\nXXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. \n\nUnauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. \n\nPersonal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! \n\nI am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. \n\nThe reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.","date_sent_to_company":"2025-10-08T06:24:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"16459065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T06:19:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If one bureau already deleted it, that confirms it can not be <em>fully</em> <em>verified</em>. You are knowingly reporting false information after repeated disputes, which is a <em>clear</em> violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be <em>verified</em> with 100 % accuracy, I <em>demand</em> its permanent deletion from my credit file. This is not a request for correctionit must be <em>fully</em> deleted immediately."]},"sort":[13.943485,"16459065"]},{"_index":"complaint-public-v1","_id":"16458761","_score":13.943485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. \n\nXXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. \n\nXXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. \n\nXXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. \n\nXXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. \n\nXXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. \n\nUnauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. \n\nPersonal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! \n\nI am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. \n\nThe reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.","date_sent_to_company":"2025-10-08T06:24:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"16458761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T06:23:52.000Z","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":["If one bureau already deleted it, that confirms it can not be <em>fully</em> <em>verified</em>. You are knowingly reporting false information after repeated disputes, which is a <em>clear</em> violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be <em>verified</em> with 100 % accuracy, I <em>demand</em> its permanent deletion from my credit file. This is not a request for correctionit must be <em>fully</em> deleted immediately."]},"sort":[13.943485,"16458761"]},{"_index":"complaint-public-v1","_id":"16458762","_score":13.933781,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. \n\nXXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. \n\nXXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. \n\nXXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. \n\nXXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. \n\nXXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. \n\nUnauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. \n\nPersonal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! \n\nI am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. \n\nThe reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.","date_sent_to_company":"2025-10-08T06:24:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"16458762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-08T06:23:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If one bureau already deleted it, that confirms it can not be <em>fully</em> <em>verified</em>. You are knowingly reporting false information after repeated disputes, which is a <em>clear</em> violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be <em>verified</em> with 100 % accuracy, I <em>demand</em> its permanent deletion from my credit file. This is not a request for correctionit must be <em>fully</em> deleted immediately."]},"sort":[13.933781,"16458762"]},{"_index":"complaint-public-v1","_id":"16122532","_score":13.918334,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am submitting this formal complaint regarding multiple inaccuracies on my credit report which are severely impacting my financial well-being and causing undue stress These accounts have been reported incorrectly and/or contain erroneous information and must be investigated and corrected under the Fair Credit Reporting Act 15 U S C 1681 et seq and the Fair Debt Collection Practices Act 15 U S C 1692 et seq XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is being reported incorrectly I have never received proper notice or validation of this alleged debt yet it appears on my credit report damaging my credit history The reporting of this account has caused me to be denied financial opportunities including higher interest rates on legitimate credit and difficulty securing necessary financial services The constant presence of this inaccurate collection has created a persistent feeling of anxiety and helplessness making it difficult to plan financially I demand immediate investigation verification from the original creditor and removal or correction of this account XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is inaccurately listed as a collection I have never received proper communication or validation of this debt and the reporting agency has failed to follow proper procedures under the FCRA The presence of this false account has negatively impacted my ability to secure housing and obtain financial services It has created ongoing emotional distress as I constantly worry about the long-term damage to my credit and financial stability I demand that this account be fully investigated verified and corrected without delay These repeated errors across multiple accounts show a clear pattern of negligence and violation of my federal rights The inaccurate reporting has caused direct financial harm undue stress and significant disruption to my life I demand that all of these accounts be fully investigated verified with proper documentation from the original creditors and corrected or deleted from my credit report immediately I expect written confirmation of all corrections so that my consumer rights are fully restored","date_sent_to_company":"2025-09-23T22:00:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"611XX","tags":null,"has_narrative":true,"complaint_id":"16122532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-23T20:48:47.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["has created ongoing emotional distress as I constantly worry about the long-term damage to my credit and financial stability I <em>demand</em> that this account be <em>fully</em> investigated <em>verified</em> and corrected without delay These repeated errors across multiple accounts show a <em>clear</em> pattern of negligence and violation of my federal rights The inaccurate reporting has caused direct financial harm undue stress and significant disruption to my life I <em>demand</em> that all of these accounts be <em>fully</em> investigated <em>verified</em>"]},"sort":[13.918334,"16122532"]},{"_index":"complaint-public-v1","_id":"6420722","_score":13.901943,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised this is one of SEVERAL requests and my FINAL WARNING and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.\n\nDespite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigations, you stated that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI demand the following accounts be FULLY verified with proof of signature or removed immediately. \n*************************************************************************************************** ACCOUNTS : XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ADDRESSES : XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX","date_sent_to_company":"2023-01-11T03:04:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"165XX","tags":null,"has_narrative":true,"complaint_id":"6420722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-11T02:51:05.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI <em>demand</em> the following accounts be <em>FULLY</em> <em>verified</em> with proof of signature or removed immediately. \n*************************************************************************************************** ACCOUNTS : XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ADDRESSES : XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX"]},"sort":[13.901943,"6420722"]},{"_index":"complaint-public-v1","_id":"16121220","_score":13.825401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Final Demand Method of Verification / Bankruptcy Dispute To Whom It May Concern, This letter is in response to your correspondence dated XX/XX/year>, in which you had the audacity to dismiss my lawful disputes as frivolous. Let me be very clear : my requests have been made in good faith and in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i. \nI have repeatedly demanded that Equifax provide me with the method of verification you claim supports the reporting of a bankruptcy on my consumer credit file. Instead of complying with the law, you have refused to provide this required information and have falsely asserted that my disputes will no longer be researched. \nI have already supplied you with written confirmation from the United States Bankruptcy Court for South Carolina, clearly stating that the court does not and has never reported bankruptcies to any consumer reporting agency. \nI have repeatedly demanded that you produce written proof of XXXX permissible purpose to furnish such information to Equifax. You have failed and refused to provide it. \nThe FCRA is explicit : it is your duty, not mine, to verify the accuracy and completeness of any information you choose to report. Your continued reporting without providing proof of lawful verification is reckless, negligent, and willful misconduct. \nBy refusing to provide the method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ), you are in clear violation of federal law. Furthermore, dismissing a legitimate dispute as frivolous without substantiating evidence only compounds your liability. \nThis is not a request. It is a final demand. Either : Provide me with the full and complete method of verification ( including the name, address, and contact information of the person or entity you claim verified this bankruptcy ), OR Immediately delete this unverifiable and inaccurate bankruptcy entry from my consumer file. \nFailure to comply will leave me with no choice but to pursue all available remedies, including but not limited to : filing suit against Equifax for statutory, actual, and punitive damages under the FCRA ; filing additional regulatory complaints ; and seeking discovery of your so-called verification process in federal court. \nYou do not get to willfully harm me, ignore the law, and then dismiss my lawful demands as frivolous. The law is on my side, and I am fully prepared to enforce it. \nI expect your full response within 5 days of receipt of this letter. You don't have the original 15 days to waste my time anymore.","date_sent_to_company":"2025-09-20T21:31:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29340","tags":null,"has_narrative":true,"complaint_id":"16121220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-20T21:20:58.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["By refusing to provide the method of <em>verification</em> as required under 15 U.S.C. 1681i ( a ) ( 7 ), you are in <em>clear</em> violation of federal law. Furthermore, dismissing a legitimate dispute as frivolous without substantiating evidence only compounds your liability. \nThis is not a request. It is a final <em>demand</em>."]},"sort":[13.825401,"16121220"]},{"_index":"complaint-public-v1","_id":"12644833","_score":13.798196,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2025-03-25T22:20:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90062","tags":null,"has_narrative":true,"complaint_id":"12644833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-25T22:19:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[13.798196,"12644833"]},{"_index":"complaint-public-v1","_id":"4119378","_score":13.796762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.\n\nDespite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2021-02-05T17:46:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"4119378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-05T17:46:47.000Z","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":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[13.796762,"4119378"]},{"_index":"complaint-public-v1","_id":"14568738","_score":13.796762,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2025-07-10T21:56:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19134","tags":null,"has_narrative":true,"complaint_id":"14568738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T21:55:58.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[13.796762,"14568738"]},{"_index":"complaint-public-v1","_id":"4119308","_score":13.791416,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.\n\nDespite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2021-02-05T17:46:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"4119308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-05T17:35:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[13.791416,"4119308"]},{"_index":"complaint-public-v1","_id":"12634868","_score":13.791416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised this is my LAST WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. \n\nDespite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nI demand the following accounts be verified or deleted immediately.","date_sent_to_company":"2025-03-25T22:20:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90062","tags":null,"has_narrative":true,"complaint_id":"12634868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-25T22:10:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a litigious consumer and <em>fully</em> intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nI <em>demand</em> the following accounts be <em>verified</em> or deleted immediately."]},"sort":[13.791416,"12634868"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4761,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4761}]}},"product":{"doc_count":4761,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2980,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2966},{"key":"Other personal consumer report","doc_count":14}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1291,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1282},{"key":"Other personal consumer report","doc_count":9}]}},{"key":"Debt collection","doc_count":286,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":104},{"key":"I do not know","doc_count":69},{"key":"Other debt","doc_count":49},{"key":"Medical debt","doc_count":17},{"key":"Auto debt","doc_count":16},{"key":"Rental debt","doc_count":9},{"key":"Federal student loan debt","doc_count":5},{"key":"Telecommunications debt","doc_count":5},{"key":"Credit card","doc_count":4},{"key":"Mortgage debt","doc_count":3},{"key":"Payday loan debt","doc_count":3},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit card","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":35},{"key":"Store credit card","doc_count":4}]}},{"key":"Mortgage","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":16},{"key":"FHA mortgage","doc_count":10},{"key":"VA mortgage","doc_count":5},{"key":"Home equity loan or line of credit (HELOC)","doc_count":4},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":24},{"key":"Other banking product or service","doc_count":5},{"key":"Savings account","doc_count":3}]}},{"key":"Vehicle loan or lease","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":28},{"key":"Lease","doc_count":3}]}},{"key":"Credit reporting","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money transfer, virtual currency, or money service","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":7},{"key":"Virtual currency","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Foreign currency exchange","doc_count":1},{"key":"International money transfer","doc_count":1},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Student loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":3},{"key":"Private student loan","doc_count":2}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2},{"key":"Personal line of credit","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Debt or credit management","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":2},{"key":"Debt settlement","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1},{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":4761,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1781,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1306},{"key":"Account information incorrect","doc_count":235},{"key":"Account status incorrect","doc_count":111},{"key":"Public record information inaccurate","doc_count":45},{"key":"Personal information incorrect","doc_count":32},{"key":"Information is missing that should be on the report","doc_count":25},{"key":"Old information reappears or never goes away","doc_count":24},{"key":"Information is incorrect","doc_count":3}]}},{"key":"Improper use of your report","doc_count":1298,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1229},{"key":"Credit inquiries on your report that you don't recognize","doc_count":64},{"key":"Report provided to employer without your written authorization","doc_count":5}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":563,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":426},{"key":"Investigation took more than 30 days","doc_count":70},{"key":"Was not notified of investigation status or results","doc_count":41},{"key":"Problem with personal statement of dispute","doc_count":16},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":10}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":538,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":349},{"key":"Investigation took more than 30 days","doc_count":125},{"key":"Was not notified of investigation status or results","doc_count":44},{"key":"Problem with personal statement of dispute","doc_count":14},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":6}]}},{"key":"Attempts to collect debt not owed","doc_count":134,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":82},{"key":"Debt was result of identity theft","doc_count":34},{"key":"Debt was paid","doc_count":13},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":5}]}},{"key":"Unable to get your credit report or credit score","doc_count":82,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":82}]}},{"key":"Written notification about debt","doc_count":74,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":67},{"key":"Didn't receive notice of right to dispute","doc_count":6},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":37,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":32},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":3},{"key":"Impersonated an attorney or official","doc_count":1},{"key":"Indicated you were committing crime by not paying debt","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":14},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":3},{"key":"Sued you without properly notifying you of lawsuit","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Seized or attempted to seize your property","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":13},{"key":"Account status","doc_count":4},{"key":"Account terms","doc_count":1},{"key":"Public record","doc_count":1},{"key":"Reinserted previously deleted info","doc_count":1}]}},{"key":"Managing an account","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":7},{"key":"Problem accessing account","doc_count":3},{"key":"Problem using a debit or ATM card","doc_count":3},{"key":"Banking errors","doc_count":2},{"key":"Problem making or receiving payments","doc_count":2},{"key":"Funds not handled or disbursed as instructed","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":9},{"key":"Payment process","doc_count":1}]}},{"key":"Communication tactics","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":7},{"key":"Called before 8am or after 9pm","doc_count":3},{"key":"Threatened to take legal action","doc_count":2},{"key":"Called after sent written cease of comm","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":7},{"key":"Problem with fees charged","doc_count":2},{"key":"Loan sold or transferred to another company","doc_count":1},{"key":"Problem with additional products or services purchased with the loan","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":8},{"key":"Card was charged for something you did not purchase with the card","doc_count":2},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Trouble using your card","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":9},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took too long","doc_count":4},{"key":"No notice of investigation status/result","doc_count":4},{"key":"Problem with statement of dispute","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denials","doc_count":1},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Loan estimate or other related disclosures","doc_count":1},{"key":"Negative impact of inaccurate appraisal","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":2},{"key":"Fraudulent loan","doc_count":1},{"key":"Loan opened without my consent or knowledge","doc_count":1},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":3},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2}]}},{"key":"Closing an account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3},{"key":"Funds not received from closed account","doc_count":3}]}},{"key":"Closing on a mortgage","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":2},{"key":"Changes in loan terms during or after closing","doc_count":1}]}},{"key":"Getting a credit card","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":3},{"key":"Delay in processing application","doc_count":2},{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Fraud or scam","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":4},{"key":"Privacy issues","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":5}]}},{"key":"Problem with a lender or other company charging your account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":4},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":3},{"key":"Keep getting calls about your loan","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":3},{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Repossession","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deficiency balance after repossession","doc_count":2},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Closing your account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":1},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Problem with customer service","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest you didn't expect","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Disclosure verification of debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":2}]}},{"key":"Electronic communications","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Fees or interest","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":2}]}},{"key":"Money was not available when promised","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":2}]}},{"key":"Other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2}]}},{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem after you declared or threatened to declare bankruptcy","doc_count":2}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you instead of your attorney","doc_count":1},{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Cont'd attempts collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft protection or other monitoring services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Loan servicing, payments, escrow account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your bill","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1}]}}]}},"timely":{"doc_count":4761,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4740},{"key":"No","doc_count":21}]}},"company_response":{"doc_count":4761,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2890},{"key":"Closed with non-monetary relief","doc_count":1856},{"key":"Closed with monetary relief","doc_count":11},{"key":"Untimely response","doc_count":4}]}},"submitted_via":{"doc_count":4761,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4761}]}},"company":{"doc_count":4761,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1418},{"key":"EQUIFAX, INC.","doc_count":1369},{"key":"Experian Information Solutions Inc.","doc_count":1303},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":46},{"key":"LEXISNEXIS","doc_count":30},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":26},{"key":"Portfolio Recovery Associates, LLC","doc_count":22},{"key":"Resurgent Capital Services L.P.","doc_count":20},{"key":"JPMORGAN CHASE & CO.","doc_count":19},{"key":"DISCOVER BANK","doc_count":18},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":17},{"key":"SYNCHRONY FINANCIAL","doc_count":15},{"key":"AMERICAN EXPRESS COMPANY","doc_count":11},{"key":"WELLS FARGO & COMPANY","doc_count":11},{"key":"CITIBANK, N.A.","doc_count":10},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":10},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":9},{"key":"Bread Financial Holdings, Inc.","doc_count":8},{"key":"CBC Companies, Inc.","doc_count":8},{"key":"CCS Financial Services, Inc.","doc_count":8},{"key":"National Credit Systems,Inc.","doc_count":8},{"key":"Self Financial Inc.","doc_count":8},{"key":"Shellpoint Partners, LLC","doc_count":7},{"key":"BARCLAYS BANK DELAWARE","doc_count":6},{"key":"ID Analytics, Inc.","doc_count":6},{"key":"RAS LaVrar, LLC","doc_count":6},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":6},{"key":"CLGF Holdco 1, LLC","doc_count":5},{"key":"General Motors Financial Company, Inc.","doc_count":5},{"key":"Kikoff Inc.","doc_count":5},{"key":"Spring Oaks Capital, LLC","doc_count":5},{"key":"TRANSWORLD SYSTEMS INC","doc_count":5},{"key":"AES/PHEAA","doc_count":4},{"key":"ALLY FINANCIAL INC.","doc_count":4},{"key":"Atlanticus Services Corporation","doc_count":4},{"key":"CL Holdings LLC","doc_count":4},{"key":"CORELOGIC INC","doc_count":4},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":4},{"key":"Diversified Consultants, Inc.","doc_count":4},{"key":"Early Warning Services, LLC","doc_count":4},{"key":"Exeter Finance, LLC.","doc_count":4},{"key":"GOLDMAN SACHS BANK USA","doc_count":4},{"key":"HW Holding, Inc","doc_count":4},{"key":"LCI Acquisition Inc.","doc_count":4},{"key":"MOHELA","doc_count":4},{"key":"Paypal Holdings, Inc","doc_count":4},{"key":"Rocket Mortgage, LLC","doc_count":4},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":4},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":3},{"key":"Absolute Resolutions Corp.","doc_count":3},{"key":"Bridgecrest Acceptance Corporation","doc_count":3},{"key":"Coinbase, Inc.","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":3},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":3},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":3},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":3},{"key":"Mr. Cooper Group Inc.","doc_count":3},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":3},{"key":"Navient Solutions, LLC.","doc_count":3},{"key":"Ocwen Financial Corporation","doc_count":3},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":3},{"key":"ROBINHOOD MARKETS INC.","doc_count":3},{"key":"Southwest Credit Systems, L.P.","doc_count":3},{"key":"TD BANK US HOLDING COMPANY","doc_count":3},{"key":"Amsher Collection Services, Inc.","doc_count":2},{"key":"Aqua Finance, Inc.","doc_count":2},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":2},{"key":"Block, Inc.","doc_count":2},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":2},{"key":"CCF Intermediate Holdings LLC","doc_count":2},{"key":"Capio Partners, LLC","doc_count":2},{"key":"Client Services, Inc.","doc_count":2},{"key":"Driveway Finance Corporation","doc_count":2},{"key":"FirstPoint Collection Resources","doc_count":2},{"key":"Freedom Mortgage Company","doc_count":2},{"key":"GREENSTATE CREDIT UNION","doc_count":2},{"key":"Hatfield, Inc.","doc_count":2},{"key":"Innovis","doc_count":2},{"key":"KEYCORP","doc_count":2},{"key":"Kriya Capital, LLC","doc_count":2},{"key":"Law Office of Michael J. Scott, PC","doc_count":2},{"key":"M&T BANK CORPORATION","doc_count":2},{"key":"Maximus Federal Services, Inc.","doc_count":2},{"key":"Merchants Adjustment Service, Inc.","doc_count":2},{"key":"NCC Business Services, Inc.","doc_count":2},{"key":"NRA Group, LLC","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":2},{"key":"SLM CORPORATION","doc_count":2},{"key":"Source Receivables Management LLC","doc_count":2},{"key":"Stellantis Financial Services US Corp.","doc_count":2},{"key":"T.S. Holdings","doc_count":2},{"key":"Transfinancial Companies, Inc","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"V and H Portfolio","doc_count":2},{"key":"Waypoint Resource Group, LLC","doc_count":2},{"key":"Westlake Services, LLC","doc_count":2},{"key":"ACIMA CREDIT, LLC","doc_count":1},{"key":"AMCOL Systems, Inc.","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Ad Astra Recovery Services Inc","doc_count":1},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"Aldridge Pite, LLP","doc_count":1},{"key":"Alliance One, Inc.","doc_count":1},{"key":"AmeriCollect","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Arbor Professional Solutions, Inc.","doc_count":1},{"key":"Army and Air Force Exchange Service","doc_count":1},{"key":"Asset Management Outsourcing, Inc.","doc_count":1},{"key":"Avadyne Health Holdings, Inc","doc_count":1},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":1},{"key":"BANK OZK","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"COLLECTION SERVICES OF ATHENS, INC.","doc_count":1},{"key":"CONGRESS COLLECTION CORP","doc_count":1},{"key":"Caneel Capital, LLC","doc_count":1},{"key":"CashRepublic Holdings, Inc.","doc_count":1},{"key":"Central Portfolio Control Inc.","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Collection Management Holdings, LLC","doc_count":1},{"key":"Complete Credit Solutions, Inc.","doc_count":1},{"key":"Concord Servicing Corporation","doc_count":1},{"key":"Consolidation Capital","doc_count":1},{"key":"Consumer Financial Services Solutions, Inc.","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Convergent Resources, Inc.","doc_count":1},{"key":"Credit Card Receivables Fund Incorporated","doc_count":1},{"key":"Credit Control, LLC","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"Creditors Bureau Associates","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"Debt Recovery Solutions, LLC","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"Duvera Billing Services, LLC","doc_count":1},{"key":"ERC","doc_count":1},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"Frontline Asset Strategies, LLC","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"Google Compare Credit Cards Inc.","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Groundfloor Finance Inc.","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"Harley Davidson Financial Services Inc","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":1},{"key":"Immediate Credit Recovery","doc_count":1},{"key":"InDebted Corporation","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Key Management Company of Missouri, LLC.","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Kovo","doc_count":1},{"key":"Lennar Financial Services, LLC","doc_count":1},{"key":"Lugano Capital, Inc. d/b/a Start Auto Finance","doc_count":1},{"key":"M. G. Credit, Inc.","doc_count":1},{"key":"MARINER FINANCE, LLC","doc_count":1},{"key":"MECHANICS BANK","doc_count":1},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"Mediation Recovery Center","doc_count":1},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":1},{"key":"NCB Management Services Inc.","doc_count":1},{"key":"NFM, INC","doc_count":1},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":1},{"key":"National Enterprise Systems, Inc.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"Open Dealer Exchange, LLC","doc_count":1},{"key":"Opportunity Financial, LLC","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PCR Group","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"PREFERRED CREDIT INC","doc_count":1},{"key":"PRESTAMOS RAPIDITOS","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"Penn Credit Corporation","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Possible Financial Inc","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Prince Parker & Associates","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"Professional Recovery Management","doc_count":1},{"key":"Ratchford Law Group, P.C.","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Receivables Performance Management, LLC","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SG and Associates","doc_count":1},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Servatus Corporation","doc_count":1},{"key":"Solomon and Solomon, P.C.","doc_count":1},{"key":"Southern Auto Finance Co","doc_count":1},{"key":"Southern Credit Recovery, Inc.","doc_count":1},{"key":"States Recovery Systems, Inc.","doc_count":1},{"key":"Synergy One Lending, Inc.","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"TekCollect Inc.","doc_count":1},{"key":"The Bureaus, Inc.","doc_count":1},{"key":"The Law Offices of Burr & Reid, LLP","doc_count":1},{"key":"U.S. Auto Credit Corporation","doc_count":1},{"key":"UNITED BANKSHARES, INC.","doc_count":1},{"key":"UNITED COMMUNITY BANK","doc_count":1},{"key":"United Military Mortgage, LLC","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"Village Capital & Investment LLC","doc_count":1},{"key":"World Acceptance Corporation","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1}]}},"state":{"doc_count":4761,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":643},{"key":"FL","doc_count":542},{"key":"IL","doc_count":438},{"key":"CA","doc_count":427},{"key":"GA","doc_count":415},{"key":"AZ","doc_count":349},{"key":"OH","doc_count":250},{"key":"NY","doc_count":243},{"key":"MI","doc_count":173},{"key":"PA","doc_count":165},{"key":"NJ","doc_count":154},{"key":"NC","doc_count":91},{"key":"SC","doc_count":82},{"key":"MD","doc_count":75},{"key":"MO","doc_count":65},{"key":"AL","doc_count":61},{"key":"TN","doc_count":60},{"key":"VA","doc_count":60},{"key":"NV","doc_count":46},{"key":"IN","doc_count":38},{"key":"LA","doc_count":37},{"key":"CO","doc_count":35},{"key":"IA","doc_count":30},{"key":"DE","doc_count":29},{"key":"MA","doc_count":29},{"key":"MN","doc_count":28},{"key":"WI","doc_count":28},{"key":"AR","doc_count":25},{"key":"MS","doc_count":20},{"key":"OR","doc_count":20},{"key":"WA","doc_count":19},{"key":"CT","doc_count":13},{"key":"KY","doc_count":13},{"key":"OK","doc_count":10},{"key":"DC","doc_count":8},{"key":"ID","doc_count":8},{"key":"UT","doc_count":6},{"key":"ME","doc_count":4},{"key":"AK","doc_count":3},{"key":"NE","doc_count":3},{"key":"PR","doc_count":3},{"key":"HI","doc_count":2},{"key":"KS","doc_count":2},{"key":"NH","doc_count":1},{"key":"NM","doc_count":1},{"key":"UNITED STATES MINOR OUTLYING ISLANDS","doc_count":1}]}},"company_public_response":{"doc_count":4761,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2831},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":55},{"key":"Company disputes the facts presented in the complaint","doc_count":5},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":3},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":4761,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":332},{"key":"Older American","doc_count":56},{"key":"Older American, Servicemember","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[13.787688,"14568737"],"3":[13.505566,"9061392"],"4":[13.498199,"4075744"],"5":[13.428839,"3083656"],"6":[13.407283,"3956255"],"7":[13.383013,"13056246"],"8":[13.153561,"7739397"]}}}