{"took":148,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22343,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15155965","_score":15.594385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX {$890.00} Action Taken- Requested Reinvestigation of debt Creditor - XXXX XXXX730.00} XXXX Taken- Requested Reinvestigation of debt CreditoXXXX XXXX {$2000.00} Action Taken - Requested Reinvestigation of debit Creditor- XXXX  {$5900.00} Action Taken- Requested Reinvestigation of debt Pursuant to my rights under the Fair Credit Reporting ACT, 15 U.S.C. 1681 et seq, I requested a reasonable investigation into the matter, however it was met with no response. Under the FCRA credit reporting agencies are required to investigate disputes and either correct or delete inaccurate, incomplete or unverifiable information within in 30 days, however that did not happen. \n\nThank you for your prompt attention to this matter XXXX XXXX","date_sent_to_company":"2025-08-07T23:53:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30265","tags":null,"has_narrative":true,"complaint_id":"15155965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-07T23:53:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the FCRA credit reporting agencies are required to <em>investigate</em> <em>disputes</em> and either correct or delete inaccurate, incomplete or unverifiable information <em>within</em> in 30 days, however that did not happen. \n\nThank you for your prompt attention to this matter XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.594385,"15155965"]},{"_index":"complaint-public-v1","_id":"15156107","_score":15.583457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX {$890.00} Action Taken- Requested Reinvestigation of debt Creditor - XXXX XXXX730.00} XXXX Taken- Requested Reinvestigation of debt CreditoXXXX XXXX {$2000.00} Action Taken - Requested Reinvestigation of debit Creditor- XXXX  {$5900.00} Action Taken- Requested Reinvestigation of debt Pursuant to my rights under the Fair Credit Reporting ACT, 15 U.S.C. 1681 et seq, I requested a reasonable investigation into the matter, however it was met with no response. Under the FCRA credit reporting agencies are required to investigate disputes and either correct or delete inaccurate, incomplete or unverifiable information within in 30 days, however that did not happen. \n\nThank you for your prompt attention to this matter XXXX XXXX","date_sent_to_company":"2025-08-07T23:53:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30265","tags":null,"has_narrative":true,"complaint_id":"15156107","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-07T22:57:53.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the FCRA credit reporting agencies are required to <em>investigate</em> <em>disputes</em> and either correct or delete inaccurate, incomplete or unverifiable information <em>within</em> in 30 days, however that did not happen. \n\nThank you for your prompt attention to this matter XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.583457,"15156107"]},{"_index":"complaint-public-v1","_id":"15132550","_score":15.574963,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX {$890.00} Action Taken- Requested Reinvestigation of debt Creditor - XXXX XXXX730.00} XXXX Taken- Requested Reinvestigation of debt CreditoXXXX XXXX {$2000.00} Action Taken - Requested Reinvestigation of debit Creditor- XXXX  {$5900.00} Action Taken- Requested Reinvestigation of debt Pursuant to my rights under the Fair Credit Reporting ACT, 15 U.S.C. 1681 et seq, I requested a reasonable investigation into the matter, however it was met with no response. Under the FCRA credit reporting agencies are required to investigate disputes and either correct or delete inaccurate, incomplete or unverifiable information within in 30 days, however that did not happen. \n\nThank you for your prompt attention to this matter XXXX XXXX","date_sent_to_company":"2025-08-07T23:53:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30265","tags":null,"has_narrative":true,"complaint_id":"15132550","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-07T23:53:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the FCRA credit reporting agencies are required to <em>investigate</em> <em>disputes</em> and either correct or delete inaccurate, incomplete or unverifiable information <em>within</em> in 30 days, however that did not happen. \n\nThank you for your prompt attention to this matter XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.574963,"15132550"]},{"_index":"complaint-public-v1","_id":"6792138","_score":15.57206,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian sent notice that it did not appear that my dispute was not sent be me or authorized by me and they havent taken action on my dispute I, XXXX XXXX, am demanding my dispute be investigated and completed within the lawful timeframe.","date_sent_to_company":"2023-04-04T21:35:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32068","tags":null,"has_narrative":true,"complaint_id":"6792138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-04T21:28:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Experian sent notice that it did not appear that my <em>dispute</em> was not sent be me or authorized by me and they havent <em>taken</em> <em>action</em> on my <em>dispute</em> I, XXXX XXXX, am demanding my <em>dispute</em> be <em>investigated</em> and completed <em>within</em> the lawful timeframe."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[15.57206,"6792138"]},{"_index":"complaint-public-v1","_id":"11059415","_score":15.343143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear Equifax, Reference : XXXX XXXX XXXX XXXX I am writing to formally follow up on the dispute I submitted to you on XX/XX/year> regarding a fraudulent account with XXXX XXXX XXXX  that appears on my credit report now as a collection account with XXXX XXXX XXXX. As I have previously stated, this account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report. \n\nUnder the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. \n\nUnder the Fair Credit Reporting Act ( FCRA ) section 611 I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. \n\nPlease provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with this fraudulent account. \nVerification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed account, including the steps you followed to confirm the legitimacy of this account, and the results of your investigation. \nAccount Blocking Confirmation : As required by the FCRA, I request that the fraudulent account be blocked from my credit report. If this account has not yet been blocked, I ask that you explain why this has not been done. \nPlease provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent account. \nI would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, pursuing potential legal action for failure to comply with the FCRA. \n\nPlease consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-06T17:48:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"11059415","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T17:34:30.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable <em>investigation</em> into any <em>disputed</em> information on my credit report, and notify me of the results of the <em>investigation</em> <em>within</em> 30 days of receiving the <em>dispute</em>. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your <em>investigation</em>, including verification of any <em>actions</em> <em>taken</em> by you or the data furnishers ( creditors ) to resolve the <em>dispute</em>."]},"sort":[15.343143,"11059415"]},{"_index":"complaint-public-v1","_id":"9007281","_score":14.683813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute this item on my credit report that I believe to be inaccurate. \nI request that you investigate this disputed item and remove or correct any inaccurate information within XXXX  days. \nPlease send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.","date_sent_to_company":"2024-05-15T00:38:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10314","tags":null,"has_narrative":true,"complaint_id":"9007281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-15T00:36:05.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> this item on my credit report that I believe to be inaccurate. \nI request that you <em>investigate</em> this <em>disputed</em> item and remove or correct any inaccurate information <em>within</em> XXXX  days. \nPlease send me written confirmation of the <em>actions</em> <em>taken</em> on my <em>dispute</em>, as well as an updated copy of my credit report once the corrections have been made. Please <em>investigate</em> this information and correct any errors as soon as possible : XXXX XXXX XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.683813,"9007281"]},{"_index":"complaint-public-v1","_id":"9000584","_score":14.683813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute this item on my credit report that I believe to be inaccurate. \nI request that you investigate this disputed item and remove or correct any inaccurate information within 30 days. \nPlease send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.","date_sent_to_company":"2024-05-15T00:34:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10314","tags":null,"has_narrative":true,"complaint_id":"9000584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-15T00:32:36.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> this item on my credit report that I believe to be inaccurate. \nI request that you <em>investigate</em> this <em>disputed</em> item and remove or correct any inaccurate information <em>within</em> 30 days. \nPlease send me written confirmation of the <em>actions</em> <em>taken</em> on my <em>dispute</em>, as well as an updated copy of my credit report once the corrections have been made. Please <em>investigate</em> this information and correct any errors as soon as possible : XXXX XXXX XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.683813,"9000584"]},{"_index":"complaint-public-v1","_id":"9007287","_score":14.6785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute this item on my credit report that I believe to be inaccurate. \nI request that you investigate this disputed item and remove or correct any inaccurate information within 30 days. \nPlease send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.","date_sent_to_company":"2024-05-15T00:32:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10314","tags":null,"has_narrative":true,"complaint_id":"9007287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-15T00:28:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> this item on my credit report that I believe to be inaccurate. \nI request that you <em>investigate</em> this <em>disputed</em> item and remove or correct any inaccurate information <em>within</em> 30 days. \nPlease send me written confirmation of the <em>actions</em> <em>taken</em> on my <em>dispute</em>, as well as an updated copy of my credit report once the corrections have been made. Please <em>investigate</em> this information and correct any errors as soon as possible : XXXX XXXX XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.6785,"9007287"]},{"_index":"complaint-public-v1","_id":"9004574","_score":14.673291,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute this item on my credit report that I believe to be inaccurate. \nI request that you investigate this disputed item and remove or correct any inaccurate information within XXXX  days. \nPlease send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.","date_sent_to_company":"2024-05-15T00:42:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10314","tags":null,"has_narrative":true,"complaint_id":"9004574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-15T00:39:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> this item on my credit report that I believe to be inaccurate. \nI request that you <em>investigate</em> this <em>disputed</em> item and remove or correct any inaccurate information <em>within</em> XXXX  days. \nPlease send me written confirmation of the <em>actions</em> <em>taken</em> on my <em>dispute</em>, as well as an updated copy of my credit report once the corrections have been made. Please <em>investigate</em> this information and correct any errors as soon as possible : XXXX XXXX XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.673291,"9004574"]},{"_index":"complaint-public-v1","_id":"12711289","_score":14.587397,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute XXXX  failure to follow up on an investigation regarding inaccurate information on my credit report. I previously submitted a dispute requesting a review and correction of erroneous data, specifically regarding [ mention the account or item in question ]. However, XXXX has not taken any action to remove or correct the information, despite my notification that Consumer Financial Protection Measures ( CFPM ) has filed a lawsuit against the company responsible for reporting this inaccurate information. \n\nAs a result, these errors continue to negatively impact my ability to secure housing. XXXX lack of action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a timely and reasonable investigation into disputes. \n\nI request that XXXX immediately re-investigate this matter and correct or remove the inaccurate information from my report. If no action is taken within the legally required timeframe, I will escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options. \n\nPlease provide an update on the status of this dispute as soon as possible. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-28T17:32:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11225","tags":null,"has_narrative":true,"complaint_id":"12711289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-28T16:43:38.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If no <em>action</em> is <em>taken</em> <em>within</em> the legally required timeframe, I will escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options. \n\nPlease provide an update on the status of this <em>dispute</em> as soon as possible. \n\nSincerely, XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.587397,"12711289"]},{"_index":"complaint-public-v1","_id":"11698871","_score":14.5840645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Request for Immediate Action Regarding Credit Report Disputes and Failure to Investigate I am writing to formally address a serious concern regarding inaccuracies on my credit report and to request immediate action under the Fair Credit Reporting Act ( FCRA ). I have previously submitted disputes to Experian concerning the following accounts, yet they remain unresolved despite the mandatory investigation period having passed. \n\nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX XXXX XXXX  acct number XXXX A\n\nccording to the FCRA, these disputes should have been investigated and resolved within 30 days of submission. However, despite my efforts to correct these errors, I have yet to receive any valid updates or corrections to my credit report. As a result, I am requesting that all inaccurate information related to these accounts be blocked from my credit report immediately. Per the CFPBs guidance and the regulations outlined in the FCRA, I am requesting that you take action to remove these items within 15 business days from the date of this letter. Failure to comply with these regulations is causing significant harm to my creditworthiness and financial well-being. I trust that the CFPB and Experian will treat this matter with the urgency it deserves and ensure that proper investigations are conducted promptly, with the appropriate actions taken to block any unverifiable or incorrect information from my credit report. Please provide confirmation that these actions will be taken within the requested timeframe. Should I not receive a satisfactory resolution within this period, I will consider further steps to escalate this matter. Thank you for your prompt attention to this issue. I look forward to your swift response.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-23T15:49:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33409","tags":null,"has_narrative":true,"complaint_id":"11698871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T15:41:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I trust that the CFPB and Experian will treat this matter with the urgency it deserves and ensure that proper <em>investigations</em> are conducted promptly, with the appropriate <em>actions</em> <em>taken</em> to block any unverifiable or incorrect information from my credit report. Please provide confirmation that these <em>actions</em> will be <em>taken</em> <em>within</em> the requested timeframe. Should I not receive a satisfactory resolution <em>within</em> this period, I will consider further steps to escalate this matter."]},"sort":[14.5840645,"11698871"]},{"_index":"complaint-public-v1","_id":"11143079","_score":14.583356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently filed a dispute with XXXX to address inaccuracies on my credit report, but they have not taken any action to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring XXXX complies with its legal obligations.","date_sent_to_company":"2024-12-13T05:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"11143079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-13T05:32:57.000Z","state":"IL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I recently filed a <em>dispute</em> with XXXX to address inaccuracies on my credit report, but they have not <em>taken</em> any <em>action</em> to <em>investigate</em> my <em>dispute</em> as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable <em>investigation</em> <em>within</em> 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring XXXX complies with its legal obligations."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[14.583356,"11143079"]},{"_index":"complaint-public-v1","_id":"11123705","_score":14.578262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently filed a dispute with Experian to address inaccuracies on my credit report, but they have not taken any action to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring Experian complies with its legal obligations.","date_sent_to_company":"2024-12-13T05:32:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"11123705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-13T05:24:22.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I recently filed a <em>dispute</em> with Experian to address inaccuracies on my credit report, but they have not <em>taken</em> any <em>action</em> to <em>investigate</em> my <em>dispute</em> as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable <em>investigation</em> <em>within</em> 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring Experian complies with its legal obligations."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[14.578262,"11123705"]},{"_index":"complaint-public-v1","_id":"11143080","_score":14.570646,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently filed a dispute with XXXX to address inaccuracies on my credit report, but they have not taken any action to investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring XXXX complies with its legal obligations.","date_sent_to_company":"2024-12-13T05:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"11143080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-13T05:32:57.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I recently filed a <em>dispute</em> with XXXX to address inaccuracies on my credit report, but they have not <em>taken</em> any <em>action</em> to <em>investigate</em> my <em>dispute</em> as required under the Fair Credit Reporting Act ( FCRA ). Credit reporting agencies are obligated to conduct a reasonable <em>investigation</em> <em>within</em> 30 days, yet I have received no acknowledgment or progress updates. I kindly request your assistance in ensuring XXXX complies with its legal obligations."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[14.570646,"11143080"]},{"_index":"complaint-public-v1","_id":"11057063","_score":14.520368,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear Equifax, I am writing to formally follow up on the dispute I submitted to you on XX/XX/year> regarding a fraudulent account that appears on my credit report. As I have previously stated, this account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report.\n\nUnder the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. \n\nTo date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent account. Specifically, the account in question is as follows : XXXX XXXX XXXX XXXXXXXX This account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with this fraudulent account. \nVerification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed account, including the steps you followed to confirm the legitimacy of this account, and the results of your investigation.\n\nAccount Blocking Confirmation : As required by the FCRA, I request that the fraudulent account be blocked from my credit report. If this account has not yet been blocked, I ask that you explain why this has not been done. \nPlease provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent account. \nI would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, pursuing potential legal action for failure to comply with the FCRA. \n\nPlease consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-06T17:26:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"11057063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T17:16:40.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable <em>investigation</em> into any <em>disputed</em> information on my credit report, and notify me of the results of the <em>investigation</em> <em>within</em> 30 days of receiving the <em>dispute</em>. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your <em>investigation</em>, including verification of any <em>actions</em> <em>taken</em> by you or the data furnishers ( creditors ) to resolve the <em>dispute</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.520368,"11057063"]},{"_index":"complaint-public-v1","_id":"9406626","_score":14.436869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXX, Canes and Weiner, XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. XXXX has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! XXXX are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with XXXX and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!","date_sent_to_company":"2024-07-02T15:16:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"9406626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2024-07-02T15:15:59.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX hasnt sent proof of <em>investigation</em>! Also the companies <em>disputed</em> ( XXXX XXXX XXXX XXXX, Canes and Weiner, XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. XXXX has <em>taken</em> 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal <em>action</em> if this is not <em>taken</em> care of <em>within</em> 15days of this notice!"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.436869,"9406626"]},{"_index":"complaint-public-v1","_id":"13659371","_score":14.338371,"_source":{"product":"Debt collection","complaint_what_happened":"Under 15 U.S. Code 1681i, you are required to investigate this matter and respond within 30 days of receiving this letter. it must be removed or corrected on my credit report. Please send me written confirmation of the results of your investigation and any actions taken. \n\nThis dispute is made in good faith. Please immediately cease and desist. \n\nThank you for your prompt attention to this matter. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-22T17:16:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"13659371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lockhart, Morris & Montgomery Inc.","date_received":"2025-05-22T16:48:57.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Code 1681i, you are required to <em>investigate</em> this matter and respond <em>within</em> 30 days of receiving this letter. it must be removed or corrected on my credit report. Please send me written confirmation of the results of your <em>investigation</em> and any <em>actions</em> <em>taken</em>. \n\nThis <em>dispute</em> is made in good faith. Please immediately cease and desist. \n\nThank you for your prompt attention to this matter. \n\n\nSincerely, XXXX XXXX"]},"sort":[14.338371,"13659371"]},{"_index":"complaint-public-v1","_id":"16531592","_score":14.222356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Investigation and Removal : Equifax, Experian, and TransUnion must investigate all disputed items. \n\nAny item that can not be verified or is inaccurate must be permanently removed. \n\n\n\n2. Updated Credit Reports : Corrected credit reports should be issued to me immediately upon completion of the investigation. \n\n\n\n3. Class Action Settlement Payment : Immediate payment of any owed compensation from past data breach class action settlements, including settlements that I have not been notified about or compensated for. \n\n\n\n4. Confirmation : Written confirmation of all actions taken and final resolutions from each credit bureau. \n\n\n\n5. Timeline : All investigations and resolutions should be completed within 30 days as required by FCRA.","date_sent_to_company":"2025-10-12T05:42:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28205","tags":null,"has_narrative":true,"complaint_id":"16531592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-12T05:41:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Class <em>Action</em> Settlement Payment : Immediate payment of any owed compensation from past data breach class <em>action</em> settlements, including settlements that I have not been notified about or compensated for. \n\n\n\n4. Confirmation : Written confirmation of all <em>actions</em> <em>taken</em> and final resolutions from each credit bureau. \n\n\n\n5. Timeline : All <em>investigations</em> and resolutions should be completed <em>within</em> 30 days as required by FCRA."]},"sort":[14.222356,"16531592"]},{"_index":"complaint-public-v1","_id":"16530998","_score":14.222356,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Investigation and Removal : Equifax, Experian, and TransUnion must investigate all disputed items. \n\nAny item that can not be verified or is inaccurate must be permanently removed. \n\n\n\n2. Updated Credit Reports : Corrected credit reports should be issued to me immediately upon completion of the investigation. \n\n\n\n3. Class Action Settlement Payment : Immediate payment of any owed compensation from past data breach class action settlements, including settlements that I have not been notified about or compensated for. \n\n\n\n4. Confirmation : Written confirmation of all actions taken and final resolutions from each credit bureau. \n\n\n\n5. Timeline : All investigations and resolutions should be completed within 30 days as required by FCRA.","date_sent_to_company":"2025-10-12T05:42:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28205","tags":null,"has_narrative":true,"complaint_id":"16530998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-12T05:27:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Class <em>Action</em> Settlement Payment : Immediate payment of any owed compensation from past data breach class <em>action</em> settlements, including settlements that I have not been notified about or compensated for. \n\n\n\n4. Confirmation : Written confirmation of all <em>actions</em> <em>taken</em> and final resolutions from each credit bureau. \n\n\n\n5. Timeline : All <em>investigations</em> and resolutions should be completed <em>within</em> 30 days as required by FCRA."]},"sort":[14.222356,"16530998"]},{"_index":"complaint-public-v1","_id":"16531591","_score":14.209803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Investigation and Removal : Equifax, Experian, and TransUnion must investigate all disputed items. \n\nAny item that can not be verified or is inaccurate must be permanently removed. \n\n\n\n2. Updated Credit Reports : Corrected credit reports should be issued to me immediately upon completion of the investigation. \n\n\n\n3. Class Action Settlement Payment : Immediate payment of any owed compensation from past data breach class action settlements, including settlements that I have not been notified about or compensated for. \n\n\n\n4. Confirmation : Written confirmation of all actions taken and final resolutions from each credit bureau. \n\n\n\n5. Timeline : All investigations and resolutions should be completed within 30 days as required by FCRA.","date_sent_to_company":"2025-10-12T05:42:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28205","tags":null,"has_narrative":true,"complaint_id":"16531591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-12T05:41:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Class <em>Action</em> Settlement Payment : Immediate payment of any owed compensation from past data breach class <em>action</em> settlements, including settlements that I have not been notified about or compensated for. \n\n\n\n4. Confirmation : Written confirmation of all <em>actions</em> <em>taken</em> and final resolutions from each credit bureau. \n\n\n\n5. Timeline : All <em>investigations</em> and resolutions should be completed <em>within</em> 30 days as required by FCRA."]},"sort":[14.209803,"16531591"]},{"_index":"complaint-public-v1","_id":"9406719","_score":14.181593,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. Transunion has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! Transunion are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with Tranunion and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!","date_sent_to_company":"2024-07-02T15:15:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29316","tags":"Servicemember","has_narrative":true,"complaint_id":"9406719","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-02T15:00:50.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Transunion hasnt sent proof of <em>investigation</em>! Also the companies <em>disputed</em> ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. Transunion has <em>taken</em> 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal <em>action</em> if this is not <em>taken</em> care of <em>within</em> 15days of this notice!"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.181593,"9406719"]},{"_index":"complaint-public-v1","_id":"12801725","_score":14.141636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a charge/issue associated with my account XXXX XXXX XXXXXXXX account XXXX : XXXX, which I believe to be inaccurate or erroneous. The issue I am disputing is as follows : Amount in question : {$4700.00} Description of issue : [ Briefly explain why you are disputing the charge, such as an unauthorized transaction, incorrect billing, service not rendered, etc. ] I request that this issue be investigated and that any necessary corrective action be taken. Please provide a response in writing within [ time frame, e.g., 30 days ] outlining the findings and any steps that will be taken to resolve this matter.","date_sent_to_company":"2025-04-03T21:51:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85306","tags":null,"has_narrative":true,"complaint_id":"12801725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T21:45:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> a charge/issue associated with my account XXXX XXXX XXXXXXXX account XXXX : XXXX, which I believe to be inaccurate or erroneous. The issue I am <em>disputing</em> is as follows : Amount in question : {$4700.00} Description of issue : [ Briefly explain why you are <em>disputing</em> the charge, such as an unauthorized transaction, incorrect billing, service not rendered, etc. ] I request that this issue be <em>investigated</em> and that any necessary corrective <em>action</em> be <em>taken</em>."]},"sort":[14.141636,"12801725"]},{"_index":"complaint-public-v1","_id":"12799933","_score":14.130272,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a charge/issue associated with my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I believe to be inaccurate or erroneous. \n\nI request that this issue be investigated and that any necessary corrective action be taken. Please provide a response in writing within [ time frame, e.g., 30 days ] outlining the findings and any steps that will be taken to resolve this matter.","date_sent_to_company":"2025-04-03T21:50:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85306","tags":null,"has_narrative":true,"complaint_id":"12799933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-03T21:44:55.000Z","state":"AZ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> a charge/issue associated with my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I believe to be inaccurate or erroneous. \n\nI request that this issue be <em>investigated</em> and that any necessary corrective <em>action</em> be <em>taken</em>. Please provide a response in writing <em>within</em> [ time frame, e.g., 30 days ] outlining the findings and any steps that will be <em>taken</em> to resolve this matter."]},"sort":[14.130272,"12799933"]},{"_index":"complaint-public-v1","_id":"11050128","_score":14.095051,"_source":{"product":"Debt collection","complaint_what_happened":"Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear XXXX, I am writing to formally follow up on the dispute I submitted to you on XX/XX/2024 regarding fraudulent charge-off accounts that appear on my credit report. As I have previously stated, these accounts are the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report. \n\nUnder the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. \n\nTo date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent accounts. Specifically, the accounts in question are as follows XXXX Capital One Auto Finance XXXXXXXX As this account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with these fraudulent accounts.\n\nVerification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed accounts, including the steps you followed to confirm the legitimacy of these accounts, and the results of your investigation.\n\nAccount Blocking Confirmation : As required by the FCRA, I request that the fraudulent accounts be blocked from my credit report. If these accounts have not yet been blocked, I ask that you explain why this has not been done.\n\nUpdated Credit Report : Please provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent accounts.\n\nI would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing potential legal action for failure to comply with the FCRA.\n\nPlease consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-06T16:38:34.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"11050128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-06T16:09:18.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable <em>investigation</em> into any <em>disputed</em> information on my credit report, and notify me of the results of the <em>investigation</em> <em>within</em> 30 days of receiving the <em>dispute</em>. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your <em>investigation</em>, including verification of any <em>actions</em> <em>taken</em> by you or the data furnishers ( creditors ) to resolve the <em>dispute</em>."]},"sort":[14.095051,"11050128"]},{"_index":"complaint-public-v1","_id":"18342552","_score":14.070317,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : IDENTITY THEFT Block Request To Whom It May Concern, I am writing to dispute accounts listed on my credit report that I believe to be fraudulent and the result of identity theft. In accordance with FCRA 605 ( B ), I request that these accounts be blocked and removed from my credit report within four days. The following accounts are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX According to the FCRA, I am entitled to request the blocking of these accounts, and I expect your prompt attention to this matter. Please investigate these fraudulent accounts and take action to block them as required by law. I also request written confirmation of the actions taken regarding this dispute within 7 days.","date_sent_to_company":"2025-12-29T16:17:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95351","tags":null,"has_narrative":true,"complaint_id":"18342552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T16:14:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please <em>investigate</em> these fraudulent accounts and take <em>action</em> to block them as required by law. I also request written confirmation of the <em>actions</em> <em>taken</em> regarding this <em>dispute</em> <em>within</em> 7 days."]},"sort":[14.070317,"18342552"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":22343,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":22343}]}},"product":{"doc_count":22343,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":18074,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":17991},{"key":"Other personal consumer report","doc_count":83}]}},{"key":"Debt collection","doc_count":2115,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1143},{"key":"Credit card debt","doc_count":363},{"key":"Other debt","doc_count":243},{"key":"Medical debt","doc_count":111},{"key":"Telecommunications debt","doc_count":72},{"key":"Auto debt","doc_count":61},{"key":"Rental debt","doc_count":55},{"key":"Mortgage debt","doc_count":21},{"key":"Payday loan debt","doc_count":21},{"key":"Other (i.e. phone, health club, etc.)","doc_count":8},{"key":"Federal student loan debt","doc_count":5},{"key":"Private student loan debt","doc_count":5},{"key":"Credit card","doc_count":4},{"key":"Medical","doc_count":3}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1326,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1316},{"key":"Other personal consumer report","doc_count":10}]}},{"key":"Checking or savings account","doc_count":193,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":167},{"key":"Other banking product or service","doc_count":13},{"key":"Savings account","doc_count":11},{"key":"CD (Certificate of Deposit)","doc_count":2}]}},{"key":"Credit card","doc_count":178,"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":153},{"key":"Store credit card","doc_count":13}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":101,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":38},{"key":"Domestic (US) money transfer","doc_count":31},{"key":"Virtual currency","doc_count":19},{"key":"International money transfer","doc_count":8},{"key":"Money order, traveler's check or cashier's check","doc_count":2},{"key":"Check cashing service","doc_count":1},{"key":"Debt settlement","doc_count":1},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":83,"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":61},{"key":"Store credit card","doc_count":10},{"key":"Government benefit card","doc_count":7},{"key":"General-purpose prepaid card","doc_count":5}]}},{"key":"Student loan","doc_count":82,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":68},{"key":"Private student loan","doc_count":14}]}},{"key":"Vehicle loan or lease","doc_count":77,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":66},{"key":"Lease","doc_count":11}]}},{"key":"Mortgage","doc_count":43,"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":9},{"key":"VA mortgage","doc_count":9},{"key":"Home equity loan or line of credit (HELOC)","doc_count":4},{"key":"Other type of mortgage","doc_count":2},{"key":"Conventional adjustable mortgage (ARM)","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":25,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":11},{"key":"Personal line of credit","doc_count":11},{"key":"Payday loan","doc_count":3}]}},{"key":"Prepaid card","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":7},{"key":"Government benefit card","doc_count":7},{"key":"Gift card","doc_count":2}]}},{"key":"Credit reporting","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Debt or credit management","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":5},{"key":"Credit repair services","doc_count":2},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":3},{"key":"Title loan","doc_count":3}]}},{"key":"Bank account or service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":3}]}},{"key":"Consumer Loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle lease","doc_count":1},{"key":"Vehicle loan","doc_count":1}]}},{"key":"Payday loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"issue":{"doc_count":22343,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":9346,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":6179},{"key":"Their investigation did not fix an error on your report","doc_count":2795},{"key":"Was not notified of investigation status or results","doc_count":238},{"key":"Problem with personal statement of dispute","doc_count":79},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":55}]}},{"key":"Incorrect information on your report","doc_count":6518,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3900},{"key":"Account status incorrect","doc_count":1180},{"key":"Account information incorrect","doc_count":990},{"key":"Personal information incorrect","doc_count":223},{"key":"Public record information inaccurate","doc_count":101},{"key":"Old information reappears or never goes away","doc_count":71},{"key":"Information is missing that should be on the report","doc_count":40},{"key":"Information that should be on the report is missing","doc_count":7},{"key":"Information is incorrect","doc_count":6}]}},{"key":"Improper use of your report","doc_count":2988,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2587},{"key":"Credit inquiries on your report that you don't recognize","doc_count":381},{"key":"Report provided to employer without your written authorization","doc_count":19},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":997,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":743},{"key":"Debt was result of identity theft","doc_count":180},{"key":"Debt was paid","doc_count":52},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":22}]}},{"key":"False statements or representation","doc_count":567,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":548},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":8},{"key":"Indicated you were committing crime by not paying debt","doc_count":6},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":5}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":492,"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":255},{"key":"Investigation took more than 30 days","doc_count":148},{"key":"Was not notified of investigation status or results","doc_count":59},{"key":"Problem with personal statement of dispute","doc_count":17},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":13}]}},{"key":"Written notification about debt","doc_count":345,"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":224},{"key":"Didn't receive notice of right to dispute","doc_count":114},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":7}]}},{"key":"Problem with a purchase shown on your statement","doc_count":121,"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":95},{"key":"Card was charged for something you did not purchase with the card","doc_count":25},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":119,"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":68},{"key":"Seized or attempted to seize your property","doc_count":12},{"key":"Sued you without properly notifying you of lawsuit","doc_count":11},{"key":"Threatened to sue you for very old debt","doc_count":11},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":8},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":5},{"key":"Collected or attempted to collect exempt funds","doc_count":4}]}},{"key":"Managing an account","doc_count":116,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":51},{"key":"Deposits and withdrawals","doc_count":29},{"key":"Funds not handled or disbursed as instructed","doc_count":17},{"key":"Banking errors","doc_count":10},{"key":"Problem making or receiving payments","doc_count":5},{"key":"Problem accessing account","doc_count":2},{"key":"Cashing a check","doc_count":1},{"key":"Fee problem","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":57,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":24},{"key":"Didn't receive services that were advertised","doc_count":17},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":9},{"key":"Problem with product or service terms changing","doc_count":6},{"key":"Received unwanted marketing or advertising","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":50,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":46},{"key":"Can't stop withdrawals from your account","doc_count":2},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":2}]}},{"key":"Fraud or scam","doc_count":47,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with your lender or servicer","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":20},{"key":"Trouble with how payments are being handled","doc_count":9},{"key":"Problem with customer service","doc_count":7},{"key":"Need information about your loan balance or loan terms","doc_count":3},{"key":"Co-signer","doc_count":2},{"key":"Don't agree with the fees charged","doc_count":2}]}},{"key":"Repossession","doc_count":33,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":8},{"key":"Notice to repossess","doc_count":7},{"key":"Deficiency balance after repossession","doc_count":4},{"key":"Lender trying to repossess or disable the vehicle","doc_count":4},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":3},{"key":"Account reinstatement or redemption after repossession","doc_count":2},{"key":"Company explaining amount owed","doc_count":2},{"key":"Voluntary repossession","doc_count":2},{"key":"Company communicating payment assistance or payment extension options","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":32,"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":26},{"key":"Problem getting your free annual credit report","doc_count":6}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":29,"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":17},{"key":"Investigation took more than 30 days","doc_count":11},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Other transaction problem","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Electronic communications","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":14},{"key":"You told them to stop contacting you, but they keep trying","doc_count":9},{"key":"Contacted before 8am or after 9pm","doc_count":1}]}},{"key":"Closing your account","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":22},{"key":"Can't close your account","doc_count":1}]}},{"key":"Communication tactics","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":9},{"key":"You told them to stop contacting you, but they keep trying","doc_count":9},{"key":"Used obscene, profane, or other abusive language","doc_count":3},{"key":"Called before 8am or after 9pm","doc_count":2}]}},{"key":"Other features, terms, or problems","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":15},{"key":"Problem with rewards from credit card","doc_count":2},{"key":"Credit card company forcing arbitration","doc_count":1},{"key":"Privacy issues","doc_count":1},{"key":"Problem with cash advances","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":7},{"key":"Escrow, taxes, or insurance","doc_count":3},{"key":"Payment process","doc_count":3}]}},{"key":"Getting a credit card","doc_count":18,"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":10},{"key":"Card opened as result of identity theft or fraud","doc_count":7},{"key":"Application denied","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":8},{"key":"Talked to a third-party about your debt","doc_count":7},{"key":"Contacted you instead of your attorney","doc_count":3}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":5},{"key":"Confusing or misleading advertising or marketing","doc_count":3},{"key":"Loan opened without my consent or knowledge","doc_count":3},{"key":"Did not receive car title","doc_count":2},{"key":"High-pressure sales tactics","doc_count":2},{"key":"Credit denial","doc_count":1},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":17,"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":10},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":7}]}},{"key":"Managing the loan or lease","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":9},{"key":"Problem with additional products or services purchased with the loan","doc_count":2},{"key":"Problem with fees charged","doc_count":1},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":9},{"key":"Debt resulted from identity theft","doc_count":2},{"key":"Debt was paid","doc_count":1}]}},{"key":"Opening an account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account opened without my consent or knowledge","doc_count":5},{"key":"Unable to open an account","doc_count":5},{"key":"Didn't receive terms that were advertised","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":3},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1},{"key":"Foreclosure","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":10,"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":7},{"key":"Right to dispute notice not received","doc_count":3}]}},{"key":"Problem when making payments","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":6},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":4},{"key":"Problem with your payment plan","doc_count":4},{"key":"Can't temporarily delay making payments","doc_count":2}]}},{"key":"Closing an account","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":5},{"key":"Funds not received from closed account","doc_count":3},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Fees or interest","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":4},{"key":"Problem with fees","doc_count":4}]}},{"key":"Incorrect information on credit report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":5},{"key":"Account status","doc_count":1},{"key":"Reinserted previously deleted info","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fees or costs after closing","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":3},{"key":"Overdrafts and overdraft fees","doc_count":2}]}},{"key":"Unexpected or other fees","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":2},{"key":"Trouble getting, activating, or registering a card","doc_count":2}]}},{"key":"Struggling to pay your loan","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}},{"key":"Trouble using your card","doc_count":4,"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":3},{"key":"Account sold or transferred to another company","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":2},{"key":"Confusing or misleading advertising about the credit card","doc_count":1}]}},{"key":"Billing disputes","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit reporting company's investigation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with statement of dispute","doc_count":2},{"key":"No notice of investigation status/result","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":3,"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":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":3,"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":2},{"key":"Termination fees or other problem when ending the lease early","doc_count":1}]}},{"key":"Trouble using the card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble using the card to spend money in a store or online","doc_count":2},{"key":"Problem adding money","doc_count":1}]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit card protection / Debt protection","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a line of credit","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Using a debit or ATM card","doc_count":2,"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":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":1}]}},{"key":"Charged fees or interest I didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit limit changed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Delinquent account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Deposits and withdrawals","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":"Issue where my lender is my school","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Issues with fees connected to the loan","doc_count":1}]}},{"key":"Loan payment wasn't credited to your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":"Other service problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems when you are unable to pay","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Received a loan you didn't apply for","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}]}},{"key":"Transaction issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":22343,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":22221},{"key":"No","doc_count":122}]}},"company_response":{"doc_count":22343,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":11723},{"key":"Closed with non-monetary relief","doc_count":10499},{"key":"Closed with monetary relief","doc_count":82},{"key":"Untimely response","doc_count":37},{"key":"Closed","doc_count":2}]}},"submitted_via":{"doc_count":22343,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":22343}]}},"company":{"doc_count":22343,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":6267},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":6105},{"key":"Experian Information Solutions Inc.","doc_count":5958},{"key":"Resurgent Capital Services L.P.","doc_count":221},{"key":"Portfolio Recovery Associates, LLC","doc_count":150},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":134},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":125},{"key":"CL Holdings LLC","doc_count":95},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":86},{"key":"JPMORGAN CHASE & CO.","doc_count":85},{"key":"CITIBANK, N.A.","doc_count":84},{"key":"LEXISNEXIS","doc_count":81},{"key":"I.C. System, Inc.","doc_count":78},{"key":"WELLS FARGO & COMPANY","doc_count":74},{"key":"DISCOVER BANK","doc_count":65},{"key":"Nelnet, Inc.","doc_count":64},{"key":"CCS Financial Services, Inc.","doc_count":58},{"key":"SYNCHRONY FINANCIAL","doc_count":54},{"key":"AMERICAN EXPRESS COMPANY","doc_count":53},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":51},{"key":"National Credit Systems,Inc.","doc_count":49},{"key":"CBC Companies, Inc.","doc_count":48},{"key":"TRANSWORLD SYSTEMS INC","doc_count":47},{"key":"Bread Financial Holdings, Inc.","doc_count":36},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":35},{"key":"Radius Global Solutions LLC","doc_count":35},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":33},{"key":"Block, Inc.","doc_count":32},{"key":"Chime Financial Inc","doc_count":32},{"key":"ERC","doc_count":32},{"key":"Early Warning Services, LLC","doc_count":31},{"key":"ALLY FINANCIAL INC.","doc_count":30},{"key":"MOHELA","doc_count":30},{"key":"Spring Oaks Capital, LLC","doc_count":29},{"key":"TD BANK US HOLDING COMPANY","doc_count":29},{"key":"Kriya Capital, LLC","doc_count":27},{"key":"GOLDMAN SACHS BANK USA","doc_count":26},{"key":"Paypal Holdings, Inc","doc_count":25},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":25},{"key":"U.S. BANCORP","doc_count":24},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":22},{"key":"Affirm Holdings, Inc","doc_count":21},{"key":"ID Analytics, Inc.","doc_count":21},{"key":"National Credit Adjusters, LLC","doc_count":21},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":21},{"key":"Westlake Services, LLC","doc_count":21},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":20},{"key":"Maximus Federal Services, Inc.","doc_count":19},{"key":"Convergent Resources, Inc.","doc_count":18},{"key":"General Motors Financial Company, Inc.","doc_count":18},{"key":"ProCollect, Inc.","doc_count":18},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":18},{"key":"Self Financial Inc.","doc_count":18},{"key":"Southwest Credit Systems, L.P.","doc_count":18},{"key":"BARCLAYS BANK DELAWARE","doc_count":17},{"key":"HW Holding, Inc","doc_count":17},{"key":"CORELOGIC INC","doc_count":16},{"key":"NCB Management Services Inc.","doc_count":16},{"key":"Advanced Resolution Services Inc.","doc_count":15},{"key":"Kikoff Inc.","doc_count":15},{"key":"Diversified Consultants, Inc.","doc_count":14},{"key":"Exeter Finance, LLC.","doc_count":14},{"key":"Synovus Bank","doc_count":14},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":14},{"key":"PNC Bank N.A.","doc_count":13},{"key":"Servicer under contract with Federal Student Aid","doc_count":13},{"key":"Velocity Portfolio Group","doc_count":13},{"key":"Amsher Collection Services, Inc.","doc_count":12},{"key":"Commonwealth Financial Systems, Inc.","doc_count":12},{"key":"Diversified Adjustment Service, Inc.","doc_count":12},{"key":"EdFinancial Services","doc_count":12},{"key":"Navient Solutions, LLC.","doc_count":12},{"key":"Rent Recovery Solutions","doc_count":12},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":12},{"key":"World Acceptance Corporation","doc_count":12},{"key":"Bridgecrest Acceptance Corporation","doc_count":11},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":11},{"key":"Credit Control, LLC","doc_count":11},{"key":"FISERV FINXACT CORE","doc_count":11},{"key":"Security Credit Services, LLC","doc_count":11},{"key":"T.S. Holdings","doc_count":11},{"key":"AFNI INC.","doc_count":10},{"key":"Aldous & Associates, PLLC","doc_count":10},{"key":"Colony Brands, Inc.","doc_count":10},{"key":"Consumer Adjustment Company Incorporated","doc_count":10},{"key":"FC HoldCo LLC","doc_count":10},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":10},{"key":"Medical Data Systems, Inc.","doc_count":10},{"key":"OneMain Finance Corporation","doc_count":10},{"key":"Phoenix Financial Services LLC","doc_count":10},{"key":"Sequium Asset Solutions, LLC","doc_count":10},{"key":"V and H Portfolio","doc_count":10},{"key":"Receivables Performance Management, LLC","doc_count":9},{"key":"Capio Partners, LLC","doc_count":8},{"key":"CarMax, Inc.","doc_count":8},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":8},{"key":"Halsted Financial Services, LLC.","doc_count":8},{"key":"LJ Ross Associates","doc_count":8},{"key":"Penn Credit Corporation","doc_count":8},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":8},{"key":"Source Receivables Management LLC","doc_count":8},{"key":"TrueAccord Corp.","doc_count":8},{"key":"W&A Intermediate Co., LLC","doc_count":8},{"key":"Aargon Agency, Inc.","doc_count":7},{"key":"Ability Recovery Services, LLC","doc_count":7},{"key":"AmeriCollect","doc_count":7},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":7},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":7},{"key":"FORD MOTOR CREDIT CO.","doc_count":7},{"key":"First Federal Credit Control, Inc.","doc_count":7},{"key":"January Technologies, Inc","doc_count":7},{"key":"Midwest Recovery Systems","doc_count":7},{"key":"Millco Management","doc_count":7},{"key":"ONLINE Information Services, Inc.","doc_count":7},{"key":"RentDebt Automated Collections, LLC","doc_count":7},{"key":"The Bureaus, Inc.","doc_count":7},{"key":"The CMI Group, Inc.","doc_count":7},{"key":"The Receivable Management Services LLC","doc_count":7},{"key":"VW Credit","doc_count":7},{"key":"Absolute Resolutions Corp.","doc_count":6},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":6},{"key":"Coinbase, Inc.","doc_count":6},{"key":"Consumer Portfolio Services, Inc.","doc_count":6},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":6},{"key":"MRS BPO, LLC","doc_count":6},{"key":"Mr. Cooper Group Inc.","doc_count":6},{"key":"Netspend Corporation","doc_count":6},{"key":"Opportunity Financial, LLC","doc_count":6},{"key":"ResidentCollect, Inc.","doc_count":6},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":6},{"key":"The CBE Group, Inc.","doc_count":6},{"key":"ACIMA CREDIT, LLC","doc_count":5},{"key":"Atlanticus Services Corporation","doc_count":5},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":5},{"key":"CONTRACT CALLERS INC","doc_count":5},{"key":"Central Portfolio Control Inc.","doc_count":5},{"key":"Credit Systems International, Inc.","doc_count":5},{"key":"EOS Holdings, Inc.","doc_count":5},{"key":"Harris & Harris, Ltd.","doc_count":5},{"key":"Possible Financial Inc","doc_count":5},{"key":"ROBINHOOD MARKETS INC.","doc_count":5},{"key":"SLM CORPORATION","doc_count":5},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":5},{"key":"SUNTRUST BANKS, INC.","doc_count":5},{"key":"Strategic Alliances, Inc.","doc_count":5},{"key":"UPGRADE, INC.","doc_count":5},{"key":"Waypoint Resource Group, LLC","doc_count":5},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":4},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":4},{"key":"Asset Management Outsourcing, Inc.","doc_count":4},{"key":"Avant Holding Company, Inc.","doc_count":4},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":4},{"key":"BMW Financial Services NA, LLC","doc_count":4},{"key":"Bull City Financial Solutions, Inc","doc_count":4},{"key":"Byrider Franchising, LLC","doc_count":4},{"key":"CLGF Holdco 1, LLC","doc_count":4},{"key":"COLLECTION SERVICES OF ATHENS, INC.","doc_count":4},{"key":"CURO Intermediate Holdings","doc_count":4},{"key":"Credit Corp Solutions Inc.","doc_count":4},{"key":"Debt Recovery Solutions, LLC","doc_count":4},{"key":"First Credit Services Inc.","doc_count":4},{"key":"Franklin Collection Service, Inc.","doc_count":4},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":4},{"key":"NRA Group, LLC","doc_count":4},{"key":"Professional Recovery Management","doc_count":4},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":4},{"key":"SCA Collections, Inc.","doc_count":4},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":4},{"key":"Shellpoint Partners, LLC","doc_count":4},{"key":"Southern Management Systems Inc.","doc_count":4},{"key":"The Outsource Group, Inc","doc_count":4},{"key":"Trident Asset Management, L.L.C.","doc_count":4},{"key":"Unifin Inc.","doc_count":4},{"key":"United Revenue Corporation","doc_count":4},{"key":"Adler Wallach & Associates, Inc.","doc_count":3},{"key":"AmerAssist A/R Solutions, Inc.","doc_count":3},{"key":"American First Finance, Inc.","doc_count":3},{"key":"Army and Air Force Exchange Service","doc_count":3},{"key":"BTH Management","doc_count":3},{"key":"Blitt and Gaines, P.C.","doc_count":3},{"key":"Carter-Young, Inc.","doc_count":3},{"key":"Complete Credit Solutions, Inc.","doc_count":3},{"key":"Continental Finance Company, LLC","doc_count":3},{"key":"Diverse Funding Associates LLC","doc_count":3},{"key":"Duncan Solutions, lnc.","doc_count":3},{"key":"Firstsource Business Process Services, LLC","doc_count":3},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":3},{"key":"Global Lending Services LLC","doc_count":3},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":3},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":3},{"key":"Io, Inc.","doc_count":3},{"key":"Jon Barry and Associates, Inc.","doc_count":3},{"key":"KEYCORP","doc_count":3},{"key":"Kimball, Tirey & St. John LLP","doc_count":3},{"key":"Klarna AB","doc_count":3},{"key":"LoanCare, LLC","doc_count":3},{"key":"Louisiana Recovery Services Inc.","doc_count":3},{"key":"Mercedes Benz Financial Services","doc_count":3},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":3},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":3},{"key":"PMT Solutions, LLC.","doc_count":3},{"key":"R & B Corporation of Virginia","doc_count":3},{"key":"R.A.Rogers, Inc.","doc_count":3},{"key":"Selene Holdings LLC","doc_count":3},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":3},{"key":"Starmark Financial LLC","doc_count":3},{"key":"TMX Finance LLC","doc_count":3},{"key":"TekCollect Inc.","doc_count":3},{"key":"Telerecovery Corporation","doc_count":3},{"key":"Thaxton Investment Corporation","doc_count":3},{"key":"The Best Service Co.,Inc","doc_count":3},{"key":"U.S. Auto Credit Corporation","doc_count":3},{"key":"USCB, Inc.","doc_count":3},{"key":"VYSTAR CREDIT UNION","doc_count":3},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":3},{"key":"Zions Debt Holdings","doc_count":3},{"key":"1st Franklin Financial Corporation","doc_count":2},{"key":"ADIR INTERNATIONAL LLC","doc_count":2},{"key":"APEX Asset Management, LLC","doc_count":2},{"key":"ARS National Services, Inc.","doc_count":2},{"key":"AVANTE","doc_count":2},{"key":"Ad Astra Recovery Services Inc","doc_count":2},{"key":"Aldridge PIte Haan, LLP","doc_count":2},{"key":"American Credit Acceptance, LLC","doc_count":2},{"key":"American Profit Recovery, Inc., Marlborough, MA Branch","doc_count":2},{"key":"BBVA FINANCIAL CORPORATION","doc_count":2},{"key":"Blackhawk Network Holdings Inc.","doc_count":2},{"key":"Bounce AI, Inc.","doc_count":2},{"key":"Branch Messenger, Inc.","doc_count":2},{"key":"COMMERCE BANK","doc_count":2},{"key":"CONGRESS COLLECTION CORP","doc_count":2},{"key":"Capital Accounts, LLC","doc_count":2},{"key":"Cascade CISS Holdings, LLC","doc_count":2},{"key":"Central Research Inc","doc_count":2},{"key":"Checkr, Inc","doc_count":2},{"key":"Choice Recovery, Inc.","doc_count":2},{"key":"Clark County Collection Service","doc_count":2},{"key":"Collection Bureau of America Ltd.","doc_count":2},{"key":"Collection Management Holdings, LLC","doc_count":2},{"key":"Creditors Bureau Associates","doc_count":2},{"key":"Dave Operating, LLC","doc_count":2},{"key":"ECMC GROUP, INC.","doc_count":2},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":2},{"key":"Eastern Revenue, Inc.","doc_count":2},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":2},{"key":"FIRST HAWAIIAN, INC.","doc_count":2},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":2},{"key":"Fein, Such, Kahn & Shepard, P.C.","doc_count":2},{"key":"FinCo Services Inc DBA Current","doc_count":2},{"key":"Financial Assistance Inc","doc_count":2},{"key":"Financial Credit Network Inc","doc_count":2},{"key":"Financial Data Systems","doc_count":2},{"key":"Freedom Mortgage Company","doc_count":2},{"key":"Gurstel Law Firm, P.C.","doc_count":2},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":2},{"key":"Harvard Collections, LLC","doc_count":2},{"key":"Incomm Holdings Inc.","doc_count":2},{"key":"Innovis","doc_count":2},{"key":"KLS Financial Services, Inc","doc_count":2},{"key":"Key 2 Recovery, Inc.","doc_count":2},{"key":"Kovo","doc_count":2},{"key":"Larry H. Miller Group of Companies","doc_count":2},{"key":"Lending Club Corp","doc_count":2},{"key":"Lyons, Doughty & Veldhuis, PC","doc_count":2},{"key":"MARINER FINANCE, LLC","doc_count":2},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":2},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":2},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":2},{"key":"Mid-Atlantic Finance Co., Inc.","doc_count":2},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":2},{"key":"National Account Systems of Omaha, LLC","doc_count":2},{"key":"National Enterprise Systems, Inc.","doc_count":2},{"key":"Nationwide Recovery Systems, Ltd","doc_count":2},{"key":"OLIPHANT FINANCIAL, LLC","doc_count":2},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":2},{"key":"ORG GC GP BUYER, LLC","doc_count":2},{"key":"Ocwen Financial Corporation","doc_count":2},{"key":"Oliphant United, Inc.","doc_count":2},{"key":"Open Dealer Exchange, LLC","doc_count":2},{"key":"Optimum Outcomes, Inc.","doc_count":2},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":2},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":2},{"key":"PLANET HOME LENDING, LLC","doc_count":2},{"key":"PROFESSIONAL BUSINESS BUREAU INC","doc_count":2},{"key":"Paramount Recovery Systems, L.P.","doc_count":2},{"key":"Pollack & Rosen, P.A.","doc_count":2},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":2},{"key":"Premium Credit Bureau","doc_count":2},{"key":"Professional Debt Mediation, Inc.","doc_count":2},{"key":"Prosper Marketplace, Inc.","doc_count":2},{"key":"RAS LaVrar, LLC","doc_count":2},{"key":"RFNA, LP","doc_count":2},{"key":"RMS-Recovery Management Services, Inc.","doc_count":2},{"key":"Receivable Recovery Services, LLC","doc_count":2},{"key":"Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch","doc_count":2},{"key":"Revco Management, LLC","doc_count":2},{"key":"Rocket Mortgage, LLC","doc_count":2},{"key":"SUNCOAST CREDIT UNION","doc_count":2},{"key":"Santander Consumer USA Holdings Inc.","doc_count":2},{"key":"Sezzle Inc.","doc_count":2},{"key":"Simon's Agency, Inc.","doc_count":2},{"key":"Sunbit, Inc.","doc_count":2},{"key":"The Law Offices of Kenosian & Miele, LLP","doc_count":2},{"key":"The Law Offices of Mitchell D. Bluhm & Associates","doc_count":2},{"key":"Tower Loan of Mississippi, Inc.","doc_count":2},{"key":"Transfinancial Companies, Inc","doc_count":2},{"key":"Upstart Holdings, Inc.","doc_count":2},{"key":"WHEELS FINANCIAL GROUP, LLC.","doc_count":2},{"key":"Westcreek Financial","doc_count":2},{"key":"Williams & Fudge, Inc","doc_count":2},{"key":"ZWICKER & ASSOCIATES","doc_count":2},{"key":"ABSOLUTE CREDIT  LLC","doc_count":1},{"key":"ACCELERATED COLLECTION SERVICE, INC","doc_count":1},{"key":"ADP Inc.","doc_count":1},{"key":"AES/PHEAA","doc_count":1},{"key":"ALCHRO INC.","doc_count":1},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"AMCOL Systems, Inc.","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"ARM Professional Services LLC","doc_count":1},{"key":"Account Resolution Corporation","doc_count":1},{"key":"Action Revenue Recovery, LLC","doc_count":1},{"key":"Adelante, Inc","doc_count":1},{"key":"Advance America, Cash Advance Centers, Inc.","doc_count":1},{"key":"Airtm Inc.","doc_count":1},{"key":"All State Credit Bureau, Inc.","doc_count":1},{"key":"Allegiant Capital Recovery LLC","doc_count":1},{"key":"Alliance CAS, LLC","doc_count":1},{"key":"Alliant Cooperative Data Solutions","doc_count":1},{"key":"Allied Capital Management, Inc.","doc_count":1},{"key":"Alorica Inc.","doc_count":1},{"key":"American Accounts & Advisers, Inc.","doc_count":1},{"key":"American Collection Services, Inc. (OK, TX)","doc_count":1},{"key":"American Coradius International LLC","doc_count":1},{"key":"American Lending Finance","doc_count":1},{"key":"Apelles, LLC","doc_count":1},{"key":"Apothaker & Associates, PC","doc_count":1},{"key":"Applied Data Finance, LLC","doc_count":1},{"key":"Arbor Professional Solutions, Inc.","doc_count":1},{"key":"Arcadia Holdings, LLC","doc_count":1},{"key":"Arivo Acceptance, LLC","doc_count":1},{"key":"Associated Credit Services, Inc.","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"Atlas Credit Company, Inc.","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"Ava Finance, Inc","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BDF Partners, PC","doc_count":1},{"key":"BILL.COM, LLC","doc_count":1},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":1},{"key":"BQ & Associates, P.C., L.L.O.","doc_count":1},{"key":"BYS, LLC. d/b/a Boost Your Score","doc_count":1},{"key":"Backgrounds Online","doc_count":1},{"key":"BetterNOI, LLC","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"Brown’s New Credit Bureau Inc.","doc_count":1},{"key":"CAC Financial Corp","doc_count":1},{"key":"CADENCE BANK","doc_count":1},{"key":"CARS Acquisition, LLC","doc_count":1},{"key":"CARVANT FINANCIAL LLC","doc_count":1},{"key":"CB Collections, Inc.","doc_count":1},{"key":"CCM Finance LLC","doc_count":1},{"key":"CENTRAL BANCOMPANY, INC","doc_count":1},{"key":"CHACON AUTOS, LTD.","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":1},{"key":"CICA Collection Agency, Inc.","doc_count":1},{"key":"CMCS, Inc. DBA Central Mercantile Collection Services","doc_count":1},{"key":"CMRE Financial Services, Inc.","doc_count":1},{"key":"COLLECTECH DIVERSIFIED, INC.","doc_count":1},{"key":"COLLECTION ASSOCIATES, LTD.","doc_count":1},{"key":"California Business Bureau, Inc.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Cascade Collections, Inc.","doc_count":1},{"key":"Cascade Creditors Service, llc","doc_count":1},{"key":"Ceannate","doc_count":1},{"key":"Cedars Business Services, LLC","doc_count":1},{"key":"Coast 2 Coast Financial Group, LLC","doc_count":1},{"key":"Collection Consultants of California","doc_count":1},{"key":"Collection Information Bureau, Inc.","doc_count":1},{"key":"Collection Professionals, Inc. (Macomb, IL)","doc_count":1},{"key":"Collections Acquisition Company, Inc.","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"Conduent Incorporated","doc_count":1},{"key":"Conn's, Inc.","doc_count":1},{"key":"Consuegra & Duffy, P.L.L.C.","doc_count":1},{"key":"Consumer Financial Services Solutions, Inc.","doc_count":1},{"key":"Cooling & Winter LLC","doc_count":1},{"key":"Credit Bureau Services Inc.","doc_count":1},{"key":"Credit Fresh Holdings Inc","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"Credit Service International Corp","doc_count":1},{"key":"Creditor's Collection Service, Inc.","doc_count":1},{"key":"Creditors Collection Bureau, Inc.","doc_count":1},{"key":"Credits, Incorporated","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"D&A Services, LLC","doc_count":1},{"key":"DRB-40, LLC","doc_count":1},{"key":"DailyPay, Inc","doc_count":1},{"key":"Data Mortgage Inc.","doc_count":1},{"key":"Deutsche Bank","doc_count":1},{"key":"DigniFi","doc_count":1},{"key":"Ditech Financial LLC","doc_count":1},{"key":"Douglas, Chancellor, Meyers and Associates, LLC","doc_count":1},{"key":"DreamSpring","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"Driveway Finance Corporation","doc_count":1},{"key":"Durham & Durham, LLP","doc_count":1},{"key":"E. A. Uffman & Associates, Inc","doc_count":1},{"key":"EGL US, LLC","doc_count":1},{"key":"Eastpoint Recovery Group, Inc","doc_count":1},{"key":"Eaton Group Attorneys LLC","doc_count":1},{"key":"FCC Finance, LLC","doc_count":1},{"key":"FEDChex Recovery, LLC","doc_count":1},{"key":"FIRST ADVANTAGE CORPORATION","doc_count":1},{"key":"FIRST AMERICAN FINANCIAL CORPORATION","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FIRST UNITED BANK AND TRUST COMPANY","doc_count":1},{"key":"FMA Alliance, Ltd.","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"Federal Adjustment Bureau, Inc.","doc_count":1},{"key":"Federated Student Loan Services","doc_count":1},{"key":"Finance System of Richmond, Inc.","doc_count":1},{"key":"Financial Asset Management Systems Inc","doc_count":1},{"key":"Financial Network Recovery Inc","doc_count":1},{"key":"Financial Recovery Services, Inc.","doc_count":1},{"key":"First Advantage LNS Inc.","doc_count":1},{"key":"First Financial Resources, Inc.","doc_count":1},{"key":"First National Collection Bureau, Inc.","doc_count":1},{"key":"Forest Recovery Services LLC","doc_count":1},{"key":"Foris DAX, Inc.","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"GOLD KEY CREDIT, INC.","doc_count":1},{"key":"GREENSKY OPERATIONS, LLC","doc_count":1},{"key":"GULF COAST COLLECTION BUREAU, INC.","doc_count":1},{"key":"Gatestone & Co. International Inc.","doc_count":1},{"key":"Global Credit & Collection Corporation","doc_count":1},{"key":"Grain Technology, Inc.","doc_count":1},{"key":"Grow Credit Inc","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HEAD MERCANTILE CO., INC.","doc_count":1},{"key":"HOME BANCSHARES, INC.","doc_count":1},{"key":"HOVG, LLC","doc_count":1},{"key":"Hatfield, Inc.","doc_count":1},{"key":"Healthcare Finance Direct LLC.","doc_count":1},{"key":"Healthcare Management, LLC","doc_count":1},{"key":"Heavner, Beyers & Mihlar LLC","doc_count":1},{"key":"Herbert P. Sears Co., Inc.","doc_count":1},{"key":"Hidden Oak Group, Inc.","doc_count":1},{"key":"Huntington Debt Holding LLC","doc_count":1},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":1},{"key":"Idaho Housing And Finance Association","doc_count":1},{"key":"InDebted Corporation","doc_count":1},{"key":"Indie Technology DBA Found","doc_count":1},{"key":"Inflection.com, Inc.","doc_count":1},{"key":"International Computer Systems, Inc.","doc_count":1},{"key":"JDJ Investments, INC.","doc_count":1},{"key":"Jacob Law Group, PLLC","doc_count":1},{"key":"Jensen & Sullivan, LLC","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"Kansas Counselors, Inc.","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Kentucky Higher Education Assistance Authority","doc_count":1},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":1},{"key":"Kohn Law Firm S.C.","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"LD Holdings Group, LLC","doc_count":1},{"key":"LTD Financial Services, L.P.","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"LendKey Technologies, Inc.","doc_count":1},{"key":"Lendbuzz Inc.","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"Lloyd & McDaniel, PLC","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MCCARTHY LAW PLC","doc_count":1},{"key":"MIB Group, Inc.","doc_count":1},{"key":"MIDWEST RECEIVABLE SOLUTIONS LLC","doc_count":1},{"key":"Madison Auto, LLC","doc_count":1},{"key":"Malen & Associates, p.c.","doc_count":1},{"key":"Mammoth Tech, Inc.","doc_count":1},{"key":"Mandarich Law Group, LLP","doc_count":1},{"key":"Marauder Corporation","doc_count":1},{"key":"Marlette Funding, LLC","doc_count":1},{"key":"McCalla Raymer Leibert Pierce, LLC","doc_count":1},{"key":"McNeil & Meyers Asset Management Group, LLC","doc_count":1},{"key":"McPhail Sanchez, LLC","doc_count":1},{"key":"Medical Business Bureau","doc_count":1},{"key":"Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates","doc_count":1},{"key":"Merchants Adjustment Service, Inc.","doc_count":1},{"key":"Merchants and Professional Bureau, Inc.","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Monarch Recovery Holdings, Inc.","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Monterey Financial Services LLC","doc_count":1},{"key":"Mutual Management Services LLC","doc_count":1},{"key":"NCC Business Services, Inc.","doc_count":1},{"key":"NCP Holdings, L.P.","doc_count":1},{"key":"NPAS, Inc.","doc_count":1},{"key":"National Recovery Service, Inc.","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"Northstar Location Services, LLC","doc_count":1},{"key":"Omega RMS, LLC","doc_count":1},{"key":"One Source Technology","doc_count":1},{"key":"Optio Solutions, LLC","doc_count":1},{"key":"Oquirrh Mountain Law Group, P.C.","doc_count":1},{"key":"P.S.C., Inc","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"PINNACLE RECOVERY, INC.","doc_count":1},{"key":"PLAZA HOME MORTGAGE, INC.","doc_count":1},{"key":"PMAB,LLC","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":1},{"key":"Patenaude & Felix A Professional Corporation","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"Peoples Financial Corp.","doc_count":1},{"key":"Perpay, Inc.","doc_count":1},{"key":"Persolve, LLC - Legal - Series 2","doc_count":1},{"key":"Professional Collection Company","doc_count":1},{"key":"Professional Collection Service Inc (GA)","doc_count":1},{"key":"Professional Credit Management, Inc","doc_count":1},{"key":"Professional Finance Company, Inc.","doc_count":1},{"key":"Professional Recovery Consultants, Inc.","doc_count":1},{"key":"Property Receivables, Corp","doc_count":1},{"key":"QUALITY ACCEPTANCE LLC","doc_count":1},{"key":"Quality Asset Recovery LLC","doc_count":1},{"key":"R.T.R. Financial Services, Inc.","doc_count":1},{"key":"RICHLAND LOAN PROCESSING CENTER, LLC","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Receivable Management Group, Inc. (GA)","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"Reliable Credit Association, Inc.","doc_count":1},{"key":"Reliant Capital Solutions, LLC","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Risecredit, LLC","doc_count":1},{"key":"Riverwalk Financial Corporation","doc_count":1},{"key":"RockLoans Holdings LLC","doc_count":1},{"key":"Rocky Mountain Capital Management","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"Rozlin Financial Group, Inc.","doc_count":1},{"key":"SAN DIEGO COUNTY CREDIT UNION","doc_count":1},{"key":"SANDY SPRING BANCORP, INC.","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SECURITY FINANCE CORP","doc_count":1},{"key":"SIMM Associates, Inc.","doc_count":1},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":1},{"key":"STERLING JEWELERS, INC.","doc_count":1},{"key":"SUN LOAN COMPANY INC.","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Seattle Service Bureau, Inc","doc_count":1},{"key":"Second Alliance, Inc.","doc_count":1},{"key":"Sentry Credit, Inc.","doc_count":1},{"key":"Sentry Recovery and Collections, Inc.","doc_count":1},{"key":"Service Finance Holdings, LLC","doc_count":1},{"key":"Servicing Solutions, LLC","doc_count":1},{"key":"Smith Debnam Narron Drake Saintsing & Myers LLP","doc_count":1},{"key":"Solar Mosaic LLC","doc_count":1},{"key":"Southern Credit Recovery, Inc.","doc_count":1},{"key":"Southern Financial Systems, Inc.","doc_count":1},{"key":"Southwest Recovery Services, Inc.","doc_count":1},{"key":"SpeedyCash, Inc.","doc_count":1},{"key":"Stallings Financial Group, Inc.","doc_count":1},{"key":"State Collection Service, Inc.","doc_count":1},{"key":"Stuart-Lippman and Associates, Inc","doc_count":1},{"key":"Sunlight Financial LLC","doc_count":1},{"key":"Superior Holdings, LLC","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"Synergetic Communication Inc","doc_count":1},{"key":"TSC Accounts Receivable Solutions","doc_count":1},{"key":"Tenaglia & Hunt, PA","doc_count":1},{"key":"Tennessee Credit Management, Inc","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"The Aligned Company DBA Extra","doc_count":1},{"key":"The Thomas Agency, Inc.","doc_count":1},{"key":"Todd, Bremer & Lawson, Inc.","doc_count":1},{"key":"TomoCredit Inc.","doc_count":1},{"key":"Torres Credit Services, Inc.","doc_count":1},{"key":"U.S. Collections West, Inc.","doc_count":1},{"key":"USCB Corporation","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1},{"key":"VALLEY CREDIT SERVICES, INC. (WI)","doc_count":1},{"key":"VELO LAW OFFICE","doc_count":1},{"key":"VIRTUOSO SOURCING GROUP, LLC.","doc_count":1},{"key":"Veros Credit, LLC","doc_count":1},{"key":"Voss & Klein, LLC","doc_count":1},{"key":"WESTERN UNION COMPANY, THE","doc_count":1},{"key":"Wallace Management Company, LLC","doc_count":1},{"key":"Weltman, Weinberg & Reis Co., L.P.A.","doc_count":1},{"key":"World Omni Financial Corp.","doc_count":1},{"key":"Wxw Investments, LLC","doc_count":1},{"key":"ZIONS BANCORPORATION","doc_count":1}]}},"state":{"doc_count":22343,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":3697},{"key":"CA","doc_count":3302},{"key":"GA","doc_count":2537},{"key":"TX","doc_count":2534},{"key":"NY","doc_count":920},{"key":"IL","doc_count":825},{"key":"PA","doc_count":719},{"key":"MI","doc_count":702},{"key":"NJ","doc_count":606},{"key":"NC","doc_count":598},{"key":"OH","doc_count":531},{"key":"VA","doc_count":416},{"key":"MD","doc_count":404},{"key":"NV","doc_count":399},{"key":"AZ","doc_count":363},{"key":"LA","doc_count":359},{"key":"AL","doc_count":358},{"key":"MO","doc_count":334},{"key":"TN","doc_count":319},{"key":"SC","doc_count":309},{"key":"IN","doc_count":237},{"key":"MA","doc_count":228},{"key":"MS","doc_count":187},{"key":"AR","doc_count":141},{"key":"MN","doc_count":133},{"key":"KY","doc_count":111},{"key":"WA","doc_count":100},{"key":"CT","doc_count":87},{"key":"WI","doc_count":84},{"key":"UT","doc_count":82},{"key":"CO","doc_count":81},{"key":"DE","doc_count":81},{"key":"NM","doc_count":57},{"key":"DC","doc_count":55},{"key":"OK","doc_count":55},{"key":"HI","doc_count":48},{"key":"NH","doc_count":45},{"key":"NE","doc_count":38},{"key":"OR","doc_count":35},{"key":"KS","doc_count":31},{"key":"RI","doc_count":27},{"key":"IA","doc_count":26},{"key":"AK","doc_count":19},{"key":"WY","doc_count":19},{"key":"MT","doc_count":15},{"key":"ME","doc_count":14},{"key":"ID","doc_count":13},{"key":"PR","doc_count":9},{"key":"AE","doc_count":6},{"key":"ND","doc_count":5},{"key":"WV","doc_count":5},{"key":"SD","doc_count":3},{"key":"UNITED STATES MINOR OUTLYING ISLANDS","doc_count":3},{"key":"FM","doc_count":2},{"key":"VI","doc_count":2},{"key":"GU","doc_count":1},{"key":"VT","doc_count":1}]}},"company_public_response":{"doc_count":22343,"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":12829},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":310},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":18},{"key":"Company disputes the facts presented in the complaint","doc_count":16},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":14},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":10},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":4},{"key":"Company chooses not to provide a public response","doc_count":3},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":2}]}},"tags":{"doc_count":22343,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1004},{"key":"Older American","doc_count":95},{"key":"Older American, Servicemember","doc_count":59}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[14.069891,"18342552"],"3":[13.433844,"16755107"],"4":[13.353374,"13368242"],"5":[13.124546,"7766924"],"6":[13.08676,"13796102"],"7":[13.083914,"14224538"],"8":[13.074657,"12966130"]}}}