{"took":576,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12047,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22078541","_score":14.311643,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I reported an unauthorized electronic transaction to Chime within 24 hours of discovering it. On XX/XX/year>, I contacted Chime multiple times by phone and also provided written notice by email requesting a formal Regulation XXXX investigation. \n\nDuring the calls, representatives repeatedly stated the transaction was peer-to-peer and indicated there was little or nothing they could do. I specifically requested that a formal dispute be opened, requested transfer to the fraud/disputes department, and requested a case number. No case number was provided and no investigation was confirmed. \n\nAt approximately XXXX XXXX, I also provided written notice by email regarding the unauthorized activity and requested review and account protection measures. Later, I submitted a customer satisfaction survey documenting that I had not been properly assisted and again requested review of the unauthorized transaction. \nDespite multiple verbal and written notices within 24 hours, Chime failed to confirm that a formal dispute or investigation had been opened.","date_sent_to_company":"2026-05-11T16:26:13.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"958XX","tags":null,"has_narrative":true,"complaint_id":"22078541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-05-11T16:08:07.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I specifically requested that a formal dispute be opened, requested transfer to the fraud/disputes department, and requested a <em>case</em> number. No <em>case</em> number was <em>provided</em> and no <em>investigation</em> was confirmed. \n\nAt approximately <em>XXXX</em> <em>XXXX</em>, I also <em>provided</em> written notice by email regarding the unauthorized activity and requested review and account protection measures."]},"sort":[14.311643,"22078541"]},{"_index":"complaint-public-v1","_id":"18860290","_score":13.507782,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting a complaint against Cash App ( Block , Inc. ) regarding its failure to provide a timely or substantive response to a fraudulent extortion investigation involving my account. \n\nOn XX/XX/XXXX, I reported a fraudulent extortion incident to Cash App and was informed that an investigation had been opened. I was told I would receive a response within 10 business days, but no response was provided. \n\nAfter following up, I was again told I would hear back within 10 business days, which also passed without any substantive update, findings, or determination. \n\nOn XX/XX/XXXX, Cash App support stated that my case would be escalated and that a manager would follow up with me via email. On XX/XX/XXXX, I received an email from a Cash App manager acknowledging the investigation and providing case number XXXX, but no status details, findings, or timeline were included. \n\nWhen I replied requesting clarification on the investigation status and next steps, I received an automated email stating that my case had been closed and instructing me to reopen a case through the app. That automated message referenced a different case number, XXXX, creating confusion as to whether the investigation was actually closed. \n\nSince that time, Cash App has provided no further response, clarification, or substantive update. As of today, there has been no written determination, no explanation for missed timelines, and no reliable communication channel. \n\nThis matter involves fraudulent extortion, not a routine dispute. Cash App has exceeded its stated investigation timelines multiple times, promised escalation, acknowledged the case at the manager level, and then ceased communication without resolution. \n\nFor reference, I have filed the following reports related to this incident : FBI / IC3 Submission ID : XXXX FTC Report Number : XXXX XXXX  Police Report Number : XXXX I am requesting CFPB assistance to obtain : 1. Written confirmation of the status and outcome of the investigation under case number XXXX XXXX. Clarification of how case number XXXX relates to this matter 3. An explanation for the repeated missed timelines 4. A clear path forward for resolution and communication","date_sent_to_company":"2026-01-20T16:36:59.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"10021","tags":null,"has_narrative":true,"complaint_id":"18860290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-01-20T16:07:02.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am submitting a complaint against Cash App ( Block , Inc. ) regarding its failure to provide a timely or substantive response to a fraudulent extortion <em>investigation</em> involving my account. \n\nOn XX/XX/<em>XXXX</em>, I reported a fraudulent extortion incident to Cash App and was informed that an <em>investigation</em> had been opened. I was told I would receive a response <em>within</em> 10 business days, but no response was <em>provided</em>."]},"sort":[13.507782,"18860290"]},{"_index":"complaint-public-v1","_id":"7294716","_score":13.368856,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to express my extreme frustration regarding the lack of resolution provided for my open investigation under CFPB case number XXXX. \n\nThis case was opened on XX/XX/XXXX, XXXXover 30 days ago now. According to the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable investigation into consumer disputes within 30 days. \n\nIt has now been well over the legally mandated time period, yet Experian has completely failed to provide any resolution or even an update on this investigation. I have not received any communication regarding the disputed information I initially contacted Experian about. \n\nThis negligent handling of my case has significantly harmed my ability to keep track of my credit report and has caused undue stress. I deserve a prompt resolution, not endless stonewalling. \n\nExperian needs to delete the debt that is connected to XXXX XXXX XXXX detailed in the original CFPB case number XXXX. \n\nI hope this can be resolved swiftly and amicably without needing to take formal legal action. Please provide a written response within 7 days that this alleged debt has been deleted from my credit report. I look forward to a timely resolution of this egregiously delayed case.","date_sent_to_company":"2023-07-25T03:34:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"72712","tags":"Servicemember","has_narrative":true,"complaint_id":"7294716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-25T03:23:55.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am writing to express my extreme frustration regarding the lack of resolution <em>provided</em> for my open <em>investigation</em> under CFPB <em>case</em> number <em>XXXX</em>. \n\nThis <em>case</em> was opened on XX/XX/<em>XXXX</em>, XXXXover 30 days ago now. According to the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable <em>investigation</em> into consumer disputes <em>within</em> 30 days."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.368856,"7294716"]},{"_index":"complaint-public-v1","_id":"10282839","_score":13.067977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am contacting XXXX in regards to Case # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX. XXXX has stated they have investigated and marked my report as verified/acceptable. I am now asking XXXX for verification of method of investigation. Please advise XXXX has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.","date_sent_to_company":"2024-09-29T03:52:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75230","tags":null,"has_narrative":true,"complaint_id":"10282839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-29T03:49:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am contacting <em>XXXX</em> in regards to <em>Case</em> # <em>XXXX</em> that was submitted on XX/XX/year> through CFPB regarding <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> has stated they have <em>investigated</em> and marked my report as verified/acceptable. I am now asking <em>XXXX</em> for verification of method of <em>investigation</em>. Please advise <em>XXXX</em> has a 15 day window allowable to provide the method of verification according to FCRA. If not <em>provided</em> <em>within</em> 15 days this will be a violation of my rights and I will seek damages."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.067977,"10282839"]},{"_index":"complaint-public-v1","_id":"10284981","_score":13.025153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am contacting Experian in regards to Case # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX XXXX. Experian has stated they have investigated and marked my report as verified/acceptable. I am now asking Experian for verification of method of investigation. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.","date_sent_to_company":"2024-09-29T03:59:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75230","tags":null,"has_narrative":true,"complaint_id":"10284981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-29T03:56:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am contacting Experian in regards to <em>Case</em> # <em>XXXX</em> that was submitted on XX/XX/year> through CFPB regarding <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. Experian has stated they have <em>investigated</em> and marked my report as verified/acceptable. I am now asking Experian for verification of method of <em>investigation</em>. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not <em>provided</em> <em>within</em> 15 days this will be a violation of my rights and I will seek damages."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.025153,"10284981"]},{"_index":"complaint-public-v1","_id":"21308161","_score":12.993919,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/, I identified unauthorized transactions totaling {$460.00}, consisting of seven separate charges from XXXX. I promptly reported these transactions to Current and submitted a dispute, along with supporting screenshots documenting the charges. \n\nThis is not an isolated incident. On XX/XX/, I also disputed a {$56.00} unauthorized XXXX transaction. Additionally, on XX/XX/, I submitted a dispute for {$1600.00} involving unauthorized transactions through XXXX. In each case, I provided substantial supporting evidence showing that these transactions were not made or authorized by me. \n\nDespite the volume and clarity of the evidence provided, Current consistently denied my disputes within an extremely short timeframeoften within a few hours and always within 24 hours. A legitimate investigation into unauthorized transactions can not reasonably be completed in such a short period, especially when multiple transactions and supporting documentation are involved.\n\nAdditionally, Currents records appear to be inconsistent and potentially misleading. In some cases, the transaction history reflects that disputes were filed on one date and resolved much later, while in reality I received notification emails stating the disputes were finalized within the same day. This discrepancy raises serious concerns about the accuracy and transparency of their investigation process.\n\nBased on the repeated pattern of rapid denials, lack of meaningful explanation, and inconsistencies in reporting, I believe Current failed to conduct a reasonable and good-faith investigation into my claims as required under federal law. It appears that my disputes were dismissed without proper review, despite clear evidence of fraudulent activity. \n\nI am requesting that Current conduct a thorough and legitimate investigation into these unauthorized transactions, provide a detailed explanation of their findings, and correct any errors related to these disputes, including reimbursement where appropriate.","date_sent_to_company":"2026-04-16T17:06:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75231","tags":"Servicemember","has_narrative":true,"complaint_id":"21308161","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-04-16T16:45:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["In each <em>case</em>, I <em>provided</em> substantial supporting evidence showing that these transactions were not made or authorized by me. \n\nDespite the volume and clarity of the evidence <em>provided</em>, Current consistently denied my disputes <em>within</em> an extremely short timeframeoften <em>within</em> a few hours and always <em>within</em> 24 hours."]},"sort":[12.993919,"21308161"]},{"_index":"complaint-public-v1","_id":"17896488","_score":12.975011,"_source":{"product":"Prepaid card","complaint_what_happened":"COMPLAINT AGAINST : MoneyLion AMOUNT IN DISPUTE : {$1700.00} ISSUE : Unauthorized Electronic Fund Transfer - XXXX  XXXX Violations DETAILED DESCRIPTION : I am filing this complaint against MoneyLion for multiple violations of XXXX  XXXX ( XXXX XXXX XXXX ) regarding unauthorized electronic fund transfers totaling {$1700.00} to a merchant called \" XXXX XXXX. '' TIMELINE OF EVENTS : I discovered and reported unauthorized transactions to MoneyLion. I filed an initial dispute, which MoneyLion denied after what they claimed was an investigation. When I attempted to follow up, I experienced the following : DOCUMENTED VIOLATIONS : EXCESSIVE INVESTIGATION TIMELINE ( XXXX  DAYS ) : On XX/XX/year>, MoneyLion sent me written notice ( Case XXXX ) stating their investigation could take \" up to XXXX  days to complete. '' This violates XXXX XXXX, which requires resolution within XXXX business days, or XXXX  days if provisional credit is provided. XXXX has provided no justification for why this dispute would require XXXX  days. \nFAILURE TO PROVIDE PROVISIONAL CREDIT : Despite the extended investigation timeline, MoneyLion has not provided provisional credit as required under XXXX XXXX XXXX ( c ) ( XXXX ) when investigations exceed XXXX business days. \nINADEQUATE INVESTIGATION & CUSTOMER SERVICE FAILURES : I have documented evidence of : A phone call where I was transferred multiple times, placed on extended holds, and repeatedly asked to verify my identity A supervisor promising a callback within XXXX hours ; I received no callback for XXXX days Conflicting information from multiple representatives ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Being told a resolution email was \" just sent '' during a call, but receiving it much later IMPROPER DENIAL OF UNAUTHORIZED TRANSACTION CLAIM : MoneyLion denied my dispute claiming the merchant provided \" evidence '' the transaction was authorized. I never authorized any transaction with XXXX  XXXX. I did not create an account with this merchant. I did not provide my payment credentials to this merchant. This was fraudulent activity. \nCASE NUMBERS : Appeal Case : XXXX Reopened Dispute Case : XXXX SUPPORTING EVIDENCE I POSSESS : Full transcript of customer service call documenting transfers, wait times, and broken promises Audio recording of call Email correspondence with XXXX XXXX ( Customer XXXX XXXX Email correspondence with XXXX XXXX ( XXXX  XXXX Advocate ) Written notice from MoneyLion stating XXXXday investigation timeline Bank statements showing unauthorized charges","date_sent_to_company":"2025-12-09T20:55:00.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"79902","tags":null,"has_narrative":true,"complaint_id":"17896488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-12-09T20:20:50.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["I filed an initial dispute, which MoneyLion denied after what they claimed was an <em>investigation</em>. When I attempted to follow up, I experienced the following : DOCUMENTED VIOLATIONS : EXCESSIVE <em>INVESTIGATION</em> TIMELINE ( <em>XXXX</em>  DAYS ) : On XX/XX/year>, MoneyLion sent me written notice ( <em>Case</em> <em>XXXX</em> ) stating their <em>investigation</em> could take \" up to <em>XXXX</em>  days to complete. '' This violates <em>XXXX</em> <em>XXXX</em>, which requires resolution <em>within</em> <em>XXXX</em> business days, or <em>XXXX</em>  days if provisional credit is <em>provided</em>."],"company_public_response":["Company believes the complaint <em>provided</em> an opportunity to answer consumer's questions"]},"sort":[12.975011,"17896488"]},{"_index":"complaint-public-v1","_id":"16552549","_score":12.901829,"_source":{"product":"Checking or savings account","complaint_what_happened":"Chime Wrongfully Denied Fraud Dispute Case # XXXX Regulation XXXX Violation My dispute case # XXXX with Chime was wrongfully denied without a full and fair investigation. I reported 26 unauthorized Cash App transactions that I never approved. These were fraudulent charges that caused significant financial loss. \n\nDespite following the correct dispute procedure and contacting Chime multiple times, they closed my case and refused to issue any refund or temporary ( provisional ) credit. This is a clear violation of Regulation E under the Electronic Fund Transfer Act, which requires financial institutions to investigate unauthorized transactions promptly and provide provisional credit within 10 business days.\n\nI have cooperated fully and provided all the necessary details. Chimes handling of this case has been negligent and unfair, leaving me without access to my own funds. I am requesting CFPBs immediate assistance to ensure compliance and recovery of my money.","date_sent_to_company":"2025-10-13T11:33:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"78758","tags":null,"has_narrative":true,"complaint_id":"16552549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-10-13T11:25:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Chime Wrongfully Denied Fraud Dispute <em>Case</em> # <em>XXXX</em> Regulation <em>XXXX</em> Violation My dispute <em>case</em> # <em>XXXX</em> with Chime was wrongfully denied without a full and fair <em>investigation</em>. I reported 26 unauthorized Cash App transactions that I never approved. These were fraudulent charges that caused significant financial loss. \n\nDespite following the correct dispute procedure and contacting Chime multiple times, they closed my <em>case</em> and refused to issue any refund or temporary ( provisional ) credit."]},"sort":[12.901829,"16552549"]},{"_index":"complaint-public-v1","_id":"18138372","_score":12.885692,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a Regulation E debit card dispute regarding an unauthorized XXXX charge approximately six days ago. I was informed by Huntington that the investigation has not yet started. Under Regulation E, Huntington is required to investigate promptly and issue provisional credit within 10 business days if unresolved. I am requesting confirmation that the investigation is active and that provisional credit will be issued as required by law. At this time, Huntington has not provided a case number or confirmation that the investigation clock is running. I rely on these funds for living expenses. This delay is causing financial hardship.","date_sent_to_company":"2025-12-18T12:21:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"43227","tags":null,"has_narrative":true,"complaint_id":"18138372","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-12-18T12:15:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["At this time, Huntington has not <em>provided</em> a <em>case</em> number or confirmation that the <em>investigation</em> clock is running. I rely on these funds for living expenses. This delay is causing financial hardship."]},"sort":[12.885692,"18138372"]},{"_index":"complaint-public-v1","_id":"7993749","_score":12.791347,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed on XX/XX/2023 and in XX/XX/2023 the derogatory mark on my credit report. that is currently listed on my TransUnion. The wrong information remains on my credit report and continues to negatively impact my credit score. The continued listing of this late payment proof that their procedures have not been adequate in this case and did not provided within the legal time frame with the steps and resolotion of their investigation.","date_sent_to_company":"2023-12-13T19:15:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77429","tags":null,"has_narrative":true,"complaint_id":"7993749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-13T19:05:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I disputed on <em>XX/XX</em>/2023 and in <em>XX/XX</em>/2023 the derogatory mark on my credit report. that is currently listed on my TransUnion. The wrong information remains on my credit report and continues to negatively impact my credit score. The continued listing of this late payment proof that their procedures have not been adequate in this <em>case</em> and did not <em>provided</em> <em>within</em> the legal time frame with the steps and resolotion of their <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.791347,"7993749"]},{"_index":"complaint-public-v1","_id":"12657743","_score":12.758761,"_source":{"product":"Credit card","complaint_what_happened":"Dear Customer Service Team, I am writing to formally report an unresolved case of fraud involving an unauthorized attempt to open an XXXX XXXXXXXX in my name in XXXX  2024. Thankfully, due to an active credit freeze on my XXXX  report, the fraudulent attempt was blocked. However, I was alerted to this activity when I received an email from Concora Credit Inc. requesting that I lift my credit freeze to allow a credit check for the application. This was my first indication that someone had attempted to open an account in my name. \n\nUpon receiving the email, I immediately contacted the phone number provided but was unable to obtain sufficient assistance. I then searched online for a customer service number associated with XXXX XXXX XXXX and spoke with a representative who assured me that a fraud investigation would be conducted. I was told that : A report would be submitted to your fraud team. \n\nThe credit bureaus would be informed of the fraudulent application. \n\nI would receive a letter within 14 to 60 days detailing the case process, the outcome of the identity theft investigation, and information on where the application originated.\n\nIt has now been five months, and I have yet to receive any correspondence regarding this investigation. I followed up after 14 days and was told that the matter was \" being worked on. '' However, I was not provided with a claim or case number, raising serious concerns about the legitimacy of the investigation. Given the lack of transparency and communication, I am beginning to question whether this process was handled in good faith. \n\nI am requesting immediate action on this matter, including : A written update on the status of the fraud investigation. \n\nConfirmation that the fraudulent application has been reported to all relevant credit bureaus. \n\nA case or reference number for my records. \n\nA copy of any internal reports generated during the investigation. \n\nIf I do not receive a satisfactory response within 10 business days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). \n\nThis situation is highly concerning, and I expect prompt action to ensure that my personal information is not further compromised. Please provide the requested information at your earliest convenience.","date_sent_to_company":"2025-05-01T18:02:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"20010","tags":null,"has_narrative":true,"complaint_id":"12657743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-03-25T17:56:43.000Z","state":"DC","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I would receive a letter <em>within</em> 14 to 60 days detailing the <em>case</em> process, the outcome of the identity theft <em>investigation</em>, and information on where the application originated.\n\nIt has now been five months, and I have yet to receive any correspondence regarding this <em>investigation</em>. I followed up after 14 days and was told that the matter was \" being worked on. '' However, I was not <em>provided</em> with a claim or <em>case</em> number, raising serious concerns about the legitimacy of the <em>investigation</em>."]},"sort":[12.758761,"12657743"]},{"_index":"complaint-public-v1","_id":"13977954","_score":12.74766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in response to your recent communication dated [ insert date ], which requested additional documentation in order to continue processing my dispute. I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), you are required to resolve my dispute within 30 days from the receipt of my initial request.As per 15 U.S. Code 1681i ( a ), once a consumer submits a dispute, the Consumer Reporting Agency ( CRA ) must conduct an investigation and resolve the dispute within 30 days unless the dispute is deemed frivolous. You are also required to notify me of the results of your investigation within the same timeframe.In the case of XXXX v. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX 2018 ), the court ruled that CRAs have an obligation to conduct a reasonable investigation when a consumer disputes inaccurate information. The ruling emphasized that the CRA can not simply rely on the information provided by the furnisher of the data without conducting an independent investigation. The court found that the CRAs failure to properly investigate the dispute and resolve it within the required 30-day period was a violation of the FCRA.Moreover, the case XXXX XXXX Equifax XXXX XXXX XXXX XXXX, 2018 XXXX XXXX ( XXXX XXXX XXXX  ), clarified that if a CRA is unable to verify the accuracy of the disputed information, it is obligated to delete or correct the inaccurate information. The court held that under the FCRA, if a CRA can not verify the disputed information within the statutory period, it must remove the item from the consumers credit report.Given these legal precedents, I respectfully request that you proceed with resolving my dispute in compliance with the FCRA. I have already provided all the necessary documentation to substantiate my claim. If you are unable to verify the disputed information within the required 30-day period, I ask that you delete the entry from my credit report.If you fail to resolve the dispute properly and within the required timeframe, I will consider this a violation of the FCRA, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking further legal action if necessary.Please provide me with the results of your investigation within the statutory period and confirm receipt of this letter.","date_sent_to_company":"2025-06-09T19:18:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"13977954","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2025-06-09T19:15:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You are also required to notify me of the results of your <em>investigation</em> <em>within</em> the same timeframe.In the <em>case</em> of <em>XXXX</em> v. <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> XXXXXXXX ( <em>XXXX</em> <em>XXXX</em> 2018 ), the court ruled that CRAs have an obligation to conduct a reasonable <em>investigation</em> when a consumer disputes inaccurate information. The ruling emphasized that the CRA can not simply rely on the information <em>provided</em> by the furnisher of the data without conducting an independent <em>investigation</em>."]},"sort":[12.74766,"13977954"]},{"_index":"complaint-public-v1","_id":"11542829","_score":12.728277,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX Ss # XXXX Experian XXXX XXXX XXXX XXXX Tx XXXX XXXX To Whom It May Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not provided the information that I requested in regards to their dispute investigation process or provided the documentation I requested which include original court documents and my wet signature, regarding the XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, XXXX  XXXX filed XX/XX/XXXX case # XXXX and XXXX  XXXX file XX/XX/XXXX case # XXXX. I was a victim of XXXX XXXX and identity theft which I provided the appropriate information ( self attest letter ) to Experian which I believe wasn't investigated. This has caused further damage to my life and the inability to acquire basic essentials required to live a normal life such as housing or employment. Im a Victim of XXXX XXXX  and the public records that appear in this complaint are a result of that trafficking. Please block this information from my credit report within four business days pursuant to section 605c of the fair credit reporting act. Thanks in advance for your timely response to this request. Sincerely, XXXX XXXX","date_sent_to_company":"2025-01-16T01:33:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"11542829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T01:24:17.000Z","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":["<em>XXXX</em> filed XX/XX/<em>XXXX</em> <em>case</em> # <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em> file XX/XX/<em>XXXX</em> <em>case</em> # <em>XXXX</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":[12.728277,"11542829"]},{"_index":"complaint-public-v1","_id":"11544280","_score":12.726597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX Ss # XXXX Experian XXXX XXXX XXXX XXXX Tx XXXX XXXX To Whom It XXXX Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not provided the information that I requested in regards to their dispute investigation process or provided the documentation I requested which include original court documents and my wet signature, regarding the Chapter XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, Chapter XXXX filed XX/XX/XXXX case # XXXX and Chapter XXXX file XX/XX/XXXX case # XXXX. I was a victim of Human Trafficking and identity theft which I provided the appropriate information ( self attest letter ) to Experian which I believe wasn't investigated. This has caused further damage to my life and the inability to acquire basic essentials required to live a normal life such as housing or employment. XXXX a Victim of Human Trafficking and the public records that appear in this complaint are a result of that trafficking. Please block this information from my credit report within XXXX business days pursuant to section 605c of the fair credit reporting act. Thanks in advance for your timely response to this request. Sincerely, XXXX XXXX","date_sent_to_company":"2025-01-16T01:08:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"11544280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T00:15:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Ga <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> Ss # <em>XXXX</em> Experian <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Tx <em>XXXX</em> <em>XXXX</em> To Whom It <em>XXXX</em> Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not <em>provided</em> the information that I requested in regards to their dispute <em>investigation</em> process or <em>provided</em> the documentation I requested which include original court documents and my wet signature, regarding the Chapter <em>XXXX</em> Bankruptcy filed XX/XX/<em>XXXX</em> <em>case</em> # <em>XXXX</em>"]},"sort":[12.726597,"11544280"]},{"_index":"complaint-public-v1","_id":"9112713","_score":12.64531,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by TransUnion, XXXX, and XXXX Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) TransUnion, XXXX, and XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ). \nNature of Complaint On [ XX/XX/XXXX ], I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. \nThe FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe.\n\nLegal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days.\n\n15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute. \nCase Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by TransUnion, XXXX, and XXXX and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. \nProvide a written response to my dispute within 30 days of receiving this complaint from the CFPB. \nUpdate my credit report with any necessary corrections based on the investigation 's findings. \nSupporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of TransUnion, XXXX, and XXXX to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. \nSincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Please note : ID and Proof of address.","date_sent_to_company":"2024-05-29T02:27:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70127","tags":null,"has_narrative":true,"complaint_id":"9112713","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-29T01:43:14.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em> ) ( <em>Case</em> emphasizes the importance of CRAs adhering to the 30-day <em>investigation</em> timeline ) <em>Case</em> 2-6 : These unnamed <em>cases</em> serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific <em>case</em> names and citations you <em>provided</em> ) Request for Relief I request that the CFPB <em>investigate</em> these violations by TransUnion, <em>XXXX</em>, and <em>XXXX</em> and ensure they : Conduct a prompt"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.64531,"9112713"]},{"_index":"complaint-public-v1","_id":"9112319","_score":12.63024,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by XXXX, XXXX, and Experian Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) XXXX, XXXX, and Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ). \nNature of Complaint On [ XX/XX/XXXX ], I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. \nThe FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe. \nLegal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days. \n15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute. \nCase Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by XXXX, XXXX, and Experian and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. \nProvide a written response to my dispute within 30 days of receiving this complaint from the CFPB. \nUpdate my credit report with any necessary corrections based on the investigation 's findings. \nSupporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of XXXX, XXXX, and Experian to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. \nSincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please note : ID and Proof of address.","date_sent_to_company":"2024-05-29T02:27:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70127","tags":null,"has_narrative":true,"complaint_id":"9112319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-29T02:27:51.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em> ) ( <em>Case</em> emphasizes the importance of CRAs adhering to the 30-day <em>investigation</em> timeline ) <em>Case</em> 2-6 : These unnamed <em>cases</em> serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific <em>case</em> names and citations you <em>provided</em> ) Request for Relief I request that the CFPB <em>investigate</em> these violations by <em>XXXX</em>, <em>XXXX</em>, and Experian and ensure they : Conduct a prompt"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.63024,"9112319"]},{"_index":"complaint-public-v1","_id":"16943190","_score":12.611427,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I sent an international money transfer through Western Union on XX/XX/year> for {$4400.00} USD ( XXXX  XXXX ) from my U.S. Western Union account to my XXXX XXXX XXXX  account in XXXX. The confirmation stated the transfer would be completed by XX/XX/year>, but the funds were never deposited. \n\nWestern Union later sent an email acknowledging a delay and estimating delivery by XX/XX/XXXX, but the transfer has remained in progress since that date. I contacted Western Union by phone and chat multiple times between XX/XX/XXXX and XXXX, and each representative confirmed the case was under investigation but could not provide a case number, estimated resolution time, or written explanation of the delay. \n\nI was told several times that the case would be resolved within 48 hours, but no update has been provided. Western Union has not issued a refund or formal notice explaining the reason for the investigation or how long it will take. \n\nI am requesting either a full refund of the transfer amount or a written confirmation of the investigation status, as required under the CFPBs Remittance Transfer Rule.","date_sent_to_company":"2025-10-31T23:25:50.000Z","issue":"Money was not available when promised","sub_product":"International money transfer","zip_code":"92277","tags":"Servicemember","has_narrative":true,"complaint_id":"16943190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WESTERN UNION COMPANY, THE","date_received":"2025-10-31T23:01:00.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted Western Union by phone and chat multiple times between XX/XX/<em>XXXX</em> and <em>XXXX</em>, and each representative confirmed the <em>case</em> was under <em>investigation</em> but could not provide a <em>case</em> number, estimated resolution time, or written explanation of the delay. \n\nI was told several times that the <em>case</em> would be resolved <em>within</em> 48 hours, but no update has been <em>provided</em>. Western Union has not issued a refund or formal notice explaining the reason for the <em>investigation</em> or how long it will take."]},"sort":[12.611427,"16943190"]},{"_index":"complaint-public-v1","_id":"3250910","_score":12.608421,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Prior to and After my Account was closed by American Express I filed several billing disputes, with disputed amounts totaling {$3200.00}. American Express failed to properly investigate these billing disputes. Several disputes filed were for hotel billing errors such as inquiry XXXX for XXXX XXXX XXXX in the amount of {$520.00}. The amount in dispute is due to an overbilling, and double billing and payment for stays made by other methods. American Express was provided ample evidence to support my claim, including documents showing stays where paid using reward points, a letter from the hotel stating a charge was made in error as the stay was paid for using reward points, a listing of my stays as reported by XXXX who managed the hotel, a letter from the hotel stating I'd receive a refund which was never provided for a night I was billed for but was not a guest and more. Provided with written documents from the hotel acknowledging and refusing to correct the billing error should have been more than enough to settle this claim in my favor. AMEX failed to correctly investigate and/or file and process this billing dispute as required by federal law, the interchange and member agreements. \nClaim XXXX and XXXX for the XXXX XXXX XXXX disputing {$580.00} and {$150.00} of the total charged was also not properly handled, investigated or processed. The hotel was provided with my reservations which clearly showed a much lower rate. The rate reserved was verified by two hotel representatives as being valid upon check-in. After I checked out of the hotel, however, the property changed the rate of my reservation without my knowledge or approval, demanding I violate federal in order for them to honor the agreed upon, validated and original accepted rate. American Express originally misplaced the documents provided and I re-asserted the dispute multiple times as they were closed out stating no evidence provided in error. After AMEX took their adverse action based on events of reported identity theft and closed my account. All the open disputes were closed immediately. Attempts to reopen the unprocessed or incorrectly processed disputes were closed the same day without being reviewed. Case XXXX for THE XXXX for {$720.00} has a similar case. \n\nWhile cases XXXX, XXXX, XXXX. XXXX totaling {$1700.00} were disputed violations of the terms of sale by the merchants in question. By refusing to accept a merchandise return, in one case literally seconds after the purchase was made in opposition of the posted and provided return policy violates the term of sale. Proof of attempted return and subsequent refusal was provided to AMEX. The Platinum American Express Card I had also provided a benefit for return protection. This benefit covered purchases which merchants failed to accept and all returns were made and reported within this time frame. AMEX refused to investigate or process this benefit or asserted billing error, closing the opened cases right after they closed the card. And on subsequent reassertions closed the cases the same day, without review. \n\nThe {$3200.00} in billing errors which Amex failed to properly process or investigate represent the majority if not all the original remaining balance on my card. Which while the charges were disputed I was not obligated to pay. Despite this, AMEX failed to investigate and include the provided evidence provided or provide the benefits which were included with this card. By failing to properly process these claims, AMEX charged me fees and interest on top of fees when there should have been none and these charges refunded leaving a XXXX balance.","date_sent_to_company":"2019-05-22T21:08:28.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":"Servicemember","has_narrative":true,"complaint_id":"3250910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-05-22T19:52:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["This benefit covered purchases which merchants failed to accept and all returns were made and reported <em>within</em> this time frame. AMEX refused to <em>investigate</em> or process this benefit or asserted billing error, closing the opened <em>cases</em> right after they closed the card. And on subsequent reassertions closed the <em>cases</em> the same day, without review."]},"sort":[12.608421,"3250910"]},{"_index":"complaint-public-v1","_id":"9112320","_score":12.602767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by XXXX, Equifax, and XXXX Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) XXXX, Equifax, and XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ).\n\nNature of Complaint On [ XX/XX/XXXX ], I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. \nThe FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe. \nLegal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days. \n15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute.\n\nCase Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : Murr v. Countrywide Home Loans , Inc., 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by XXXX, Equifax, and XXXX and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. \nProvide a written response to my dispute within 30 days of receiving this complaint from the CFPB. \nUpdate my credit report with any necessary corrections based on the investigation 's findings. \nSupporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of XXXX, Equifax, and XXXX to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. \nSincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Please note : ID and Proof of address.","date_sent_to_company":"2024-05-29T02:27:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70127","tags":null,"has_narrative":true,"complaint_id":"9112320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-29T02:27:51.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Countrywide Home Loans , Inc., 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) ( <em>Case</em> emphasizes the importance of CRAs adhering to the 30-day <em>investigation</em> timeline ) <em>Case</em> 2-6 : These unnamed <em>cases</em> serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific <em>case</em> names and citations you <em>provided</em> ) Request for Relief I request that the CFPB <em>investigate</em> these violations by"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.602767,"9112320"]},{"_index":"complaint-public-v1","_id":"8501117","_score":12.577754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT # XXXX was created and submitted on XX/XX/XXXX with the following information : LexusNexus is transmitting credit reports to XXXX parties that include negative information that is more than XXXX XXXX XXXX. \n\nMy consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/2024. \n\non XX/XX/2024 I filed a verbal dispute with LexusNexus outlining the XXXX items that I am challenging. Their time frame for a possible resolution is XXXX days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. \n\nMy case number with LexusNexus is XXXX. \n\n\nImmediate removal of the XXXX negative items from all future credit reports. Additionally, a follow-up letter to the bank to whom they provided this negative report stating the previous report was done in error and providing an updated report. \n\n\nThe response from LexisNexis was not accurate. LexisNexis reported, in their response letter that they reached out to me via email on XX/XX/XXXX ( XXXX ), which did not happen. \n\nLexisNexis reported they were unable to fully authenticate my identity but they failed to review the LexisNexis case ID number XXXX. If LexisNexis takes the time to review information within their own system they will have enough information to \" authenticate my identity ''. Their response was swift and CFPB was just as swift with closing the case without allowing me to challenge the response from LexisNexis. \n\nAs a result I will open this new complaint, looking for the support I would hope CFPB can provide. \n\nAttached you will find my drivers license and a utility bill for additional proof of identity.","date_sent_to_company":"2024-03-07T19:42:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20112","tags":null,"has_narrative":true,"complaint_id":"8501117","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-03-07T19:24:31.000Z","state":"VA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Their time frame for a possible resolution is <em>XXXX</em> days but the FCRA states that <em>investigations</em> must be resolved <em>within</em> 30 days. I am filing the complaint with CFPB because I want to make sure their <em>investigation</em> is concluded <em>within</em> the 30 days allotted by the FCRA and not a day longer. \n\nMy <em>case</em> number with LexusNexus is <em>XXXX</em>. \n\n\nImmediate removal of the <em>XXXX</em> negative items from all future credit reports."]},"sort":[12.577754,"8501117"]},{"_index":"complaint-public-v1","_id":"19358959","_score":12.537623,"_source":{"product":"Credit card","complaint_what_happened":"I disputed a {$940.00} charge with Capital One from XXXX XXXX XXXX XXXXXXXX dated XX/XX/year>. I was injured at their studio and provided multiple doctors notes over several months. The studio required these notes to freeze my membership due to my medical condition. My membership ended up being frozen for approximately XXXX  months. \n\nAfter an XXXX  and continued treatment, my doctor advised that I could no longer safely participate in XXXX. I informed the studio, and they cancelled my membership but refused to refund me. Instead, they told me I could gift the membership to someone else. \n\nI opened a dispute with Capital One and provided extensive documentation including emails and doctors notes. Capital One kept this case open for months. Every time I called for updates, I was told everything looked good and not to worry. \n\nAfter months of investigation and document requests, Capital One suddenly closed my case stating that disputes must be filed within XXXX  days of the charge. At no point during the months-long investigation was I informed of this timing rule. If my dispute was considered untimely, Capital One should have informed me immediately instead of keeping the case open and requesting sensitive medical documentation.","date_sent_to_company":"2026-02-09T18:14:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"19358959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-02-09T17:56:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I opened a dispute with Capital One and <em>provided</em> extensive documentation including emails and doctors notes. Capital One kept this <em>case</em> open for months. Every time I called for updates, I was told everything looked good and not to worry. \n\nAfter months of <em>investigation</em> and document requests, Capital One suddenly closed my <em>case</em> stating that disputes must be filed <em>within</em> <em>XXXX</em>  days of the charge. At no point during the months-long <em>investigation</em> was I informed of this timing rule."]},"sort":[12.537623,"19358959"]},{"_index":"complaint-public-v1","_id":"18884194","_score":12.471225,"_source":{"product":"Checking or savings account","complaint_what_happened":"I reported Fraud to Navy Federal on XX/XX/XXXX. Note that the EFTA its Regulation E requires financial institutions ( FIs ) to conduct a reasonable investigation, give provisional credit, and resolve disputes within timelines, with courts like the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforcing that even factual investigation mistakes can be covered by the bona fide error defense, but the core duty to investigate remains. Cases like the Florida federal court ruling in XX/XX/XXXX show that claims of failing to investigate or conduct a good-faith inquiry can survive motions to dismiss, highlighting that XXXX  can't just deny claims without due diligence. \n\nI will illustrate 100 % proof Navy Federal conducted NO investigation as required by law : On XX/XX/XXXX, despite the statistical impossibility of a real human making FOUR withdrawals on the same day for the exact amount ( which occurred and are some of the charges in question ), Navy Federal refused to provide the legally required provisional credit ( message attached ) because withdrawals reflect a real pattern of spending. Navy Federal 's first response is in direct contrast to the report submitted containing statistically impossible charges. This is one layer of proof no investigation was done. Also, the legal precedent provided illustrates that an investigation needs to be thorough. By deductive reasoning, we can see no thorough investigation was done and there are serious questions if the stated investigation was done at ALL because the data is in 100 % complete contrast to the justification. I appealed this decision through their online process on XX/XX/XXXX. In feat of stupidity and dishonesty I have not seen in my lifetime, Navy Federal responds within 24 hours with a NEW reason : A THOROUGH investigation has been done. This was a clear attempt to provide some random excuse for denial before their 10 day window to provide a provisional credit expired. Furthermore, it is impossible to do a thorough investigation of the magnitude required under the provided legal precedent in that amount of time. To be clear, Navy Federal first announced a reason disproved by the provided data proving they didn't even read it. They THEN provided a reason that by definition and timing proves itself untrue. To support my claim, I have attached police reports to my local XXXX Florida Police Department, The XXXX XXXX XXXX XXXX, and the FTC for identity theft at or about the same time the fraud submitted occurred. \n\nMOST AGGREGIOUS, I SUBMITTED A SECOND APPEAL WITH COPIES OF POLICE REPORTS SHOWING IDENTITY THEFT AT AROUND THE TIME OF THESE CHARGES AND NAVY FEDERAL NOW IGNORES ME. \n\nI demand an investigation of Navy Federal and in particular, the specific individual who is lying in violation of the EFTA regulation E. \n\nYou are required to do so and provide me with evidence that you conducted an investigation. I also demand as is allowed under Florida law the names of those involved in my case as I am filing a police report and then a civil suit against the dishonest people involved in my case.","date_sent_to_company":"2026-01-21T08:28:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32707","tags":null,"has_narrative":true,"complaint_id":"18884194","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-01-21T08:13:28.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I reported Fraud to Navy Federal on XX/XX/<em>XXXX</em>. Note that the EFTA its Regulation E requires financial institutions ( FIs ) to conduct a reasonable <em>investigation</em>, give provisional credit, and resolve disputes <em>within</em> timelines, with courts like the <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> reinforcing that even factual <em>investigation</em> mistakes can be covered by the bona fide error defense, but the core duty to <em>investigate</em> remains."]},"sort":[12.471225,"18884194"]},{"_index":"complaint-public-v1","_id":"3806616","_score":12.465664,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Contacted Experian XX/XX/20 XXXX XXXX  CST, and spoke with a representative in which asked questions about why a closed account consistently reporting late and showing an increased past due balance. The representative advised the account was currently under investigation, and I will receive an update within 30 days. I received an email alert stating the dispute is now open on XX/XX/20. A couple of hours later I received an alert stating the dispute was completed, and another alert stating an update on the dispute. After checking the before dispute in comparison to the after dispute ; the account was updated as verified and balance increased by {$1.00}. How can a dispute be verified, updated, and balance increased by {$1.00} in the same day? According to Experian ; In most cases, disputes are completed within 10-14 business days and quite often within two to three days. Results were provided within hours without any method of verification. In this case, the representative had the ability to change the amount by {$1.00} upon what authority, or legal aspect?","date_sent_to_company":"2020-08-21T06:36:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"3806616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-21T02:03:23.000Z","state":"TN","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":["According to Experian ; In most <em>cases</em>, disputes are completed <em>within</em> 10-14 business days and quite often <em>within</em> two to three days. Results were <em>provided</em> <em>within</em> hours without any method of verification. In this <em>case</em>, the representative had the ability to change the amount by {$1.00} upon what authority, or legal aspect?"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"]},"sort":[12.465664,"3806616"]},{"_index":"complaint-public-v1","_id":"11412294","_score":12.4622345,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to lodge a formal complaint against American Express concerning their handling of a dispute with an overseas merchant who has engaged in deceptive practices. I made a booking with an XXXX company that explicitly advertised a \" 100 % refund on cancellations made before the specified deadline. '' After making the payment, when I contacted the hotel directly to confirm they had no record of my booking at all. This necessitated my having to cancel through the agency 's website I attempted to cancel the booking within the allowed timeframe and provided evidence of the cancellation to American Express. Despite submitting required documentation within the deadline, the American Express investigation team closed my case twice without any explanation. After the case was closed, I contacted customer service, which acknowledged my situation but informed me that even if I reopened the case, the investigators would not reconsider their decision. Furthermore, I was told there is no higher authority within American Express to escalate the matter, leaving me without any recourse. This experience is especially disappointing considering the annual fee of {$700.00} that I pay for my American Express XXXX XXXX, which is supposed to ensure superior service and protection against such fraudulent activities. The lack of accountability and unwillingness of the investigators to review their decision or to be held accountable is alarming and unacceptable. \nI am requesting that this issue be reviewed and that appropriate actions be taken against American Express for their failure to adequately handle my dispute. I believe that American Express has not only failed in their duty to protect my consumer rights but has also shown a lack of commitment to their service promises.","date_sent_to_company":"2025-01-07T17:57:24.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"11412294","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-01-07T17:21:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Despite submitting required documentation <em>within</em> the deadline, the American Express <em>investigation</em> team closed my <em>case</em> twice without any explanation. After the <em>case</em> was closed, I contacted customer service, which acknowledged my situation but informed me that even if I reopened the <em>case</em>, the <em>investigators</em> would not reconsider their decision. Furthermore, I was told there is no higher authority <em>within</em> American Express to escalate the matter, leaving me without any recourse."]},"sort":[12.4622345,"11412294"]},{"_index":"complaint-public-v1","_id":"14052686","_score":12.401155,"_source":{"product":"Credit card","complaint_what_happened":"This is a request to re-open my dispute case previously submitted via CFPB, originally found in my favor. \n\nComplaint ID- XXXX Synchrony sent me a final letter via CFPB indicating the XXXX was found in my favor. They sent me a check with my refund and they sent me a statement which indicated my balance was {$0.00}. Today, XX/XX/XXXX, I logged into my account only to find out that they have re-charged my account for the \" FINAL CREDIT '' they had provided me per final reg.e communication letter a total of {$7800.00}. I only found out because I proactively logged in, no communication was sent indicating they overturned the case, which should be a violation of the regulation. \n\nToday, XX/XX/XXXX, called the assigned synchrony case XXXX to find why I was charged again, since we had resolved the case in my favor. The XXXX working on the case indicated that is because the merchant provided additional proof, so they could take the money back as the letter states the merchant has up to XXXX days to respond to the case. I reviewed the final letter, and this info is incorrect. The final letter does not indicate the merchant has up to XXXX days to re-dispute. Anyhow, I asked what poof the merchant had provided she said she couldn't see that info until I re-opened the case therefore I am re-opening this case via this platform, because they have not been helpful at all. \n\nI am re-attaching previously submitted documentation, plus the final letter which indicates the case was found in my favor, copy of my refund check and statement copy which indicates my balance of {$0.00}. \n\nAdditionally here is the case background as per Complaint ID- XXXX On XX/XX/XXXX, I purchased XXXX one-way airline tickets to XXXX, XXXX through XXXX XXXX using XXXX XXXXXXXX XXXX XXXX XXXX card XXXX which is issued by Synchrony Bank. The tickets were advertised at {$670.00} each, and I expected to be charged that amount per ticket. Only XXXX transaction posted correctly at {$670.00}. The remaining XXXX transactions posted at {$3000.00} each, which is over XXXX times the expected price and completely unreasonable for a one-way, non-direct flight to XXXX. I immediately contacted XXXX, expecting them to acknowledge a possible pricing or technical error. However, they refused to assist or investigate. After returning from the funeral, I contacted Synchrony Bank to dispute the charges. My first dispute was closed on the grounds that I had not provided documentation, even though I was told my XXXX XXXX  statement showing the price discrepancy would be sufficient. I reopened the case and submitted my billing statements along with a receipt showing the correct {$670.00} charge. Despite this, the dispute was again denied with a vague explanation : \" We have not received proof that the account is owed a credit. '' I believe Synchrony Bank has violated Regulation XXXX ( XXXX XXXX XXXX ) in the following ways : Failure to promptly initiate the dispute : I re-appealed my case by phone on XX/XX/XXXX. However, I did not receive confirmation that the case was opened until XX/XX/XXXX. Regulation XXXX requires the bank to initiate the investigation promptly upon notice. Failure to provide a provisional credit or resolve the issue within XXXX business days : Regulation XXXX requires a bank to either resolve the dispute or issue a provisional credit within XXXX business days. This did not happen. I feel I am being taken advantage of during a difficult time, and no reasonable explanation has been provided as to why XXXX of the XXXX transactions were charged at such an extreme and unjustified amount. I am requesting that Synchrony Bank issue a refund for the overcharges and that this matter be properly investigated. I am simply seeking a fair outcome and to be protected from what appears to be a pricing or billing error.","date_sent_to_company":"2025-06-13T00:43:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"84120","tags":null,"has_narrative":true,"complaint_id":"14052686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-06-12T23:50:08.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["Failure to provide a provisional credit or resolve the issue <em>within</em> <em>XXXX</em> business days : Regulation <em>XXXX</em> requires a bank to either resolve the dispute or issue a provisional credit <em>within</em> <em>XXXX</em> business days. This did not happen. I feel I am being taken advantage of during a difficult time, and no reasonable explanation has been <em>provided</em> as to why <em>XXXX</em> of the <em>XXXX</em> transactions were charged at such an extreme and unjustified amount."]},"sort":[12.401155,"14052686"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":12047,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":12047}]}},"product":{"doc_count":12047,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":6448,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6343},{"key":"Other personal consumer report","doc_count":105}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1896,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1871},{"key":"Other personal consumer report","doc_count":21},{"key":"Credit repair services","doc_count":4}]}},{"key":"Checking or savings account","doc_count":864,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":727},{"key":"Other banking product or service","doc_count":71},{"key":"Savings account","doc_count":60},{"key":"CD (Certificate of Deposit)","doc_count":5}]}},{"key":"Debt collection","doc_count":850,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":309},{"key":"Credit card debt","doc_count":236},{"key":"Other debt","doc_count":98},{"key":"Auto debt","doc_count":40},{"key":"Rental debt","doc_count":40},{"key":"Medical debt","doc_count":38},{"key":"Telecommunications debt","doc_count":34},{"key":"Mortgage debt","doc_count":26},{"key":"Payday loan debt","doc_count":13},{"key":"Federal student loan debt","doc_count":4},{"key":"Other (i.e. phone, health club, etc.)","doc_count":4},{"key":"Private student loan debt","doc_count":3},{"key":"Credit card","doc_count":2},{"key":"Medical","doc_count":2},{"key":"Payday loan","doc_count":1}]}},{"key":"Credit card","doc_count":564,"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":501},{"key":"Store credit card","doc_count":41}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":477,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":165},{"key":"Domestic (US) money transfer","doc_count":158},{"key":"Virtual currency","doc_count":77},{"key":"International money transfer","doc_count":57},{"key":"Check cashing service","doc_count":6},{"key":"Foreign currency exchange","doc_count":6},{"key":"Money order, traveler's check or cashier's check","doc_count":5},{"key":"Money order","doc_count":2},{"key":"Traveler's check or cashier's check","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":337,"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":299},{"key":"Store credit card","doc_count":16},{"key":"General-purpose prepaid card","doc_count":14},{"key":"Government benefit card","doc_count":6},{"key":"Gift card","doc_count":1},{"key":"Payroll card","doc_count":1}]}},{"key":"Mortgage","doc_count":251,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":121},{"key":"FHA mortgage","doc_count":47},{"key":"VA mortgage","doc_count":27},{"key":"Other type of mortgage","doc_count":18},{"key":"Home equity loan or line of credit (HELOC)","doc_count":15},{"key":"Conventional fixed mortgage","doc_count":10},{"key":"Home equity loan or line of credit","doc_count":4},{"key":"Conventional adjustable mortgage (ARM)","doc_count":3},{"key":"Other mortgage","doc_count":2},{"key":"USDA mortgage","doc_count":2},{"key":"Manufactured home loan","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":99,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":88},{"key":"Lease","doc_count":11}]}},{"key":"Student loan","doc_count":61,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":47},{"key":"Private student loan","doc_count":12},{"key":"Non-federal student loan","doc_count":2}]}},{"key":"Prepaid card","doc_count":51,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":24},{"key":"Government benefit card","doc_count":17},{"key":"Gift card","doc_count":5},{"key":"Payroll card","doc_count":3},{"key":"General purpose card","doc_count":1},{"key":"Transit card","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":33},{"key":"Personal line of credit","doc_count":8},{"key":"Payday loan","doc_count":3},{"key":"Title loan","doc_count":2}]}},{"key":"Credit reporting","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Bank account or service","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":16},{"key":"Other bank product/service","doc_count":3},{"key":"(CD) Certificate of deposit","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":9},{"key":"Personal line of credit","doc_count":8},{"key":"Title loan","doc_count":3},{"key":"Payday loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":6},{"key":"Credit repair services","doc_count":4},{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Consumer Loan","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan","doc_count":7},{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":12047,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":3099,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1926},{"key":"Account information incorrect","doc_count":567},{"key":"Account status incorrect","doc_count":324},{"key":"Public record information inaccurate","doc_count":148},{"key":"Personal information incorrect","doc_count":68},{"key":"Old information reappears or never goes away","doc_count":36},{"key":"Information is missing that should be on the report","doc_count":20},{"key":"Information is incorrect","doc_count":10}]}},{"key":"Improper use of your report","doc_count":2779,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2594},{"key":"Credit inquiries on your report that you don't recognize","doc_count":173},{"key":"Report provided to employer without your written authorization","doc_count":11},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1405,"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":971},{"key":"Investigation took more than 30 days","doc_count":259},{"key":"Was not notified of investigation status or results","doc_count":94},{"key":"Problem with personal statement of dispute","doc_count":48},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":33}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":925,"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":455},{"key":"Investigation took more than 30 days","doc_count":393},{"key":"Was not notified of investigation status or results","doc_count":42},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":19},{"key":"Problem with personal statement of dispute","doc_count":16}]}},{"key":"Problem with a purchase shown on your statement","doc_count":633,"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":513},{"key":"Card was charged for something you did not purchase with the card","doc_count":108},{"key":"Overcharged for something you did purchase with the card","doc_count":12}]}},{"key":"Managing an account","doc_count":573,"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":270},{"key":"Deposits and withdrawals","doc_count":132},{"key":"Funds not handled or disbursed as instructed","doc_count":60},{"key":"Banking errors","doc_count":48},{"key":"Problem making or receiving payments","doc_count":33},{"key":"Cashing a check","doc_count":14},{"key":"Problem accessing account","doc_count":14},{"key":"Fee problem","doc_count":1},{"key":"Problem with renewal","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":372,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":212},{"key":"Debt was result of identity theft","doc_count":115},{"key":"Debt was paid","doc_count":29},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":16}]}},{"key":"Fraud or scam","doc_count":253,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":193,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":176},{"key":"Indicated you were committing crime by not paying debt","doc_count":7},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":6},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":4}]}},{"key":"Problem with a lender or other company charging your account","doc_count":169,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":149},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":14},{"key":"Can't stop withdrawals from your account","doc_count":6}]}},{"key":"Unable to get your credit report or credit score","doc_count":143,"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":131},{"key":"Problem getting your free annual credit report","doc_count":12}]}},{"key":"Written notification about debt","doc_count":137,"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":79},{"key":"Didn't receive notice of right to dispute","doc_count":57},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":102,"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":20},{"key":"Escrow, taxes, or insurance","doc_count":14},{"key":"Payment process","doc_count":8},{"key":"Loan sold or transferred to another company","doc_count":6},{"key":"Fees charged","doc_count":1},{"key":"Lien release","doc_count":1},{"key":"Private mortgage insurance (PMI)","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":101,"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":47},{"key":"Seized or attempted to seize your property","doc_count":19},{"key":"Sued you without properly notifying you of lawsuit","doc_count":18},{"key":"Threatened to sue you for very old debt","doc_count":8},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":4},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":4},{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Other transaction problem","doc_count":99,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":76,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":13},{"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":12},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":6},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":4}]}},{"key":"Other features, terms, or problems","doc_count":71,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":38},{"key":"Problem with rewards from credit card","doc_count":13},{"key":"Problem with balance transfer","doc_count":8},{"key":"Problem with customer service","doc_count":6},{"key":"Add-on products and services","doc_count":2},{"key":"Credit card company forcing arbitration","doc_count":2},{"key":"Privacy issues","doc_count":1},{"key":"Problem with cash advances","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":60,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":55,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":25},{"key":"Funds not received from closed account","doc_count":24},{"key":"Can't close your account","doc_count":5},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":51,"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":32},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":19}]}},{"key":"Opening an account","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive terms that were advertised","doc_count":21},{"key":"Unable to open an account","doc_count":7},{"key":"Account opened as a result of fraud","doc_count":6},{"key":"Account opened without my consent or knowledge","doc_count":6},{"key":"Confusing or missing disclosures","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":41,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":28},{"key":"Problem with customer service","doc_count":5},{"key":"Trouble with how payments are being handled","doc_count":5},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Getting a credit card","doc_count":35,"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":15},{"key":"Application denied","doc_count":9},{"key":"Card opened as result of identity theft or fraud","doc_count":9},{"key":"Delay in processing application","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":16},{"key":"Problem with additional products or services purchased with the loan","doc_count":5},{"key":"Loan sold or transferred to another company","doc_count":2},{"key":"Problem with the interest rate","doc_count":2},{"key":"Problem with fees charged","doc_count":1}]}},{"key":"Problem when making payments","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":18},{"key":"You never received your bill or did not know a payment was due","doc_count":2}]}},{"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":23},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in loan terms during or after closing","doc_count":5},{"key":"Trying to communicate with the company to fix an issue with the loan closing","doc_count":4},{"key":"Closing disclosure or other related disclosures","doc_count":2}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":12},{"key":"Didn't receive advertised or promotional terms","doc_count":11}]}},{"key":"Incorrect information on credit report","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":6},{"key":"Reinserted previously deleted info","doc_count":6},{"key":"Public record","doc_count":5},{"key":"Account status","doc_count":3},{"key":"Personal information","doc_count":2},{"key":"Account terms","doc_count":1}]}},{"key":"Money was not available when promised","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":19},{"key":"Can't close your account","doc_count":3}]}},{"key":"Problem caused by your funds being low","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":13},{"key":"Non-sufficient funds and associated fees","doc_count":4},{"key":"Bounced checks or returned payments","doc_count":2},{"key":"Late or other fees","doc_count":2}]}},{"key":"Getting a loan or lease","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":10},{"key":"Changes in terms mid-deal or after closing","doc_count":4},{"key":"Loan opened without my consent or knowledge","doc_count":2},{"key":"High-pressure sales tactics","doc_count":1},{"key":"Problem with a trade-in","doc_count":1},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Repossession","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company explaining amount owed","doc_count":7},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":5},{"key":"Notice to repossess","doc_count":3},{"key":"Account reinstatement or redemption after repossession","doc_count":1},{"key":"Company communicating payment assistance or payment extension options","doc_count":1},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1},{"key":"Deficiency balance after repossession","doc_count":1},{"key":"Voluntary repossession","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Delays in the application process","doc_count":5},{"key":"Confusing or misleading advertising or marketing","doc_count":2},{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":2},{"key":"Loan estimate or other related disclosures","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took too long","doc_count":7},{"key":"No notice of investigation status/result","doc_count":5},{"key":"Inadequate help over the phone","doc_count":4},{"key":"Problem with statement of dispute","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":7},{"key":"Didn't receive services that were advertised","doc_count":5},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":3},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Fees or interest","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":11},{"key":"Charged too much interest","doc_count":4},{"key":"Unexpected increase in interest rate","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":16,"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":12},{"key":"Problem while selling or giving up the vehicle","doc_count":2},{"key":"Problem when attempting to purchase vehicle at the end of the lease","doc_count":1},{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Communication tactics","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":6},{"key":"You told them to stop contacting you, but they keep trying","doc_count":5},{"key":"Used obscene, profane, or other abusive language","doc_count":3},{"key":"Called before 8am or after 9pm","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":8},{"key":"Contacted you after you asked them to stop","doc_count":3},{"key":"Contacted you instead of your attorney","doc_count":2},{"key":"Contacted your employer","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":6},{"key":"Lender trying to repossess or disable the vehicle","doc_count":2}]}},{"key":"Unexpected or other fees","doc_count":11,"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":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Electronic communications","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":7},{"key":"You told them to stop contacting you, but they keep trying","doc_count":2}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with customer service","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":9,"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":5},{"key":"Problem using the card to withdraw money from an ATM","doc_count":1},{"key":"Problem with direct deposit","doc_count":1},{"key":"Trouble getting information about the card","doc_count":1},{"key":"Trouble using the card to send money to another person","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting the loan","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Using a debit or ATM card","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":6,"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":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble getting a working replacement card","doc_count":3},{"key":"Trouble getting, activating, or registering a card","doc_count":2},{"key":"Trouble closing card","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Account opening, closing, or management","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Cont'd attempts collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":5}]}},{"key":"Deposits and withdrawals","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem lowering your monthly payments","doc_count":2},{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":2},{"key":"Can't temporarily delay making payments","doc_count":1}]}},{"key":"Trouble using your card","doc_count":5,"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":5}]}},{"key":"Confusing or misleading advertising or marketing","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Making/receiving payments, sending money","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about my loan","doc_count":2},{"key":"Having problems with customer service","doc_count":1}]}},{"key":"Didn't provide services promised","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising","doc_count":2},{"key":"High pressure sales tactics or recruiting","doc_count":1}]}},{"key":"Problems when you are unable to pay","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Rewards","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your bill","doc_count":3,"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":2},{"key":"Problem lowering your monthly payments","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized/Attempted to seize property","doc_count":1},{"key":"Sued where didn't live/sign for debt","doc_count":1},{"key":"Threatened arrest/jail if do not pay","doc_count":1}]}},{"key":"Wrong amount charged or received","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","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":"Credit limit changed","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":"Identity theft protection or other monitoring services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1},{"key":"Received unwanted marketing or advertising","doc_count":1}]}},{"key":"Lost or stolen money order","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Settlement process and costs","doc_count":2,"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":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms from what was offered or advertised","doc_count":1}]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity protection","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fraud alerts","doc_count":1}]}},{"key":"Delinquent account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper use of my credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":1}]}},{"key":"Other","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payoff process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem adding money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Shopping for a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking out the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Transaction issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions/trans. issues","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":12047,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":11952},{"key":"No","doc_count":95}]}},"company_response":{"doc_count":12047,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7534},{"key":"Closed with non-monetary relief","doc_count":4024},{"key":"Closed with monetary relief","doc_count":476},{"key":"Untimely response","doc_count":12},{"key":"Closed","doc_count":1}]}},"submitted_via":{"doc_count":12047,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":12047}]}},"company":{"doc_count":12047,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2662},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2550},{"key":"Experian Information Solutions Inc.","doc_count":2471},{"key":"WELLS FARGO & COMPANY","doc_count":306},{"key":"JPMORGAN CHASE & CO.","doc_count":296},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":245},{"key":"CITIBANK, N.A.","doc_count":244},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":201},{"key":"AMERICAN EXPRESS COMPANY","doc_count":106},{"key":"Block, Inc.","doc_count":106},{"key":"DISCOVER BANK","doc_count":106},{"key":"Paypal Holdings, Inc","doc_count":106},{"key":"LEXISNEXIS","doc_count":98},{"key":"Resurgent Capital Services L.P.","doc_count":96},{"key":"Chime Financial Inc","doc_count":76},{"key":"SYNCHRONY FINANCIAL","doc_count":74},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":70},{"key":"Portfolio Recovery Associates, LLC","doc_count":69},{"key":"GOLDMAN SACHS BANK USA","doc_count":64},{"key":"BARCLAYS BANK DELAWARE","doc_count":63},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":57},{"key":"U.S. BANCORP","doc_count":53},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":50},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":45},{"key":"Coinbase, Inc.","doc_count":44},{"key":"ALLY FINANCIAL INC.","doc_count":41},{"key":"Early Warning Services, LLC","doc_count":40},{"key":"PNC Bank N.A.","doc_count":34},{"key":"TD BANK US HOLDING COMPANY","doc_count":33},{"key":"Affirm Holdings, Inc","doc_count":30},{"key":"CBC Companies, Inc.","doc_count":30},{"key":"Bread Financial Holdings, Inc.","doc_count":29},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":23},{"key":"Nelnet, Inc.","doc_count":22},{"key":"Shellpoint Partners, LLC","doc_count":22},{"key":"CL Holdings LLC","doc_count":21},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":21},{"key":"Mr. Cooper Group Inc.","doc_count":20},{"key":"I.C. System, Inc.","doc_count":19},{"key":"ID Analytics, Inc.","doc_count":19},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":19},{"key":"CCS Financial Services, Inc.","doc_count":18},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":18},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":18},{"key":"Ocwen Financial Corporation","doc_count":18},{"key":"TRANSWORLD SYSTEMS INC","doc_count":18},{"key":"MOHELA","doc_count":15},{"key":"National Credit Systems,Inc.","doc_count":15},{"key":"Self Financial Inc.","doc_count":15},{"key":"Comerica","doc_count":14},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":13},{"key":"Advanced Resolution Services Inc.","doc_count":12},{"key":"HW Holding, Inc","doc_count":12},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":12},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":12},{"key":"Navient Solutions, LLC.","doc_count":11},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":10},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":10},{"key":"FISERV FINXACT CORE","doc_count":10},{"key":"FinCo Services Inc DBA Current","doc_count":10},{"key":"Incomm Holdings Inc.","doc_count":10},{"key":"KEYCORP","doc_count":10},{"key":"Maximus Federal Services, Inc.","doc_count":10},{"key":"National Credit Adjusters, LLC","doc_count":10},{"key":"ROBINHOOD MARKETS INC.","doc_count":10},{"key":"EdFinancial Services","doc_count":9},{"key":"Kikoff Inc.","doc_count":9},{"key":"Kriya Capital, LLC","doc_count":9},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":9},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":9},{"key":"Westlake Services, LLC","doc_count":9},{"key":"Amsher Collection Services, Inc.","doc_count":8},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":8},{"key":"CORELOGIC INC","doc_count":8},{"key":"Credit Control, LLC","doc_count":8},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":8},{"key":"M&T BANK CORPORATION","doc_count":8},{"key":"Spring Oaks Capital, LLC","doc_count":8},{"key":"TransferWise Ltd","doc_count":8},{"key":"WESTERN UNION COMPANY, THE","doc_count":8},{"key":"Bridgecrest Acceptance Corporation","doc_count":7},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":7},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":7},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":7},{"key":"LCI Acquisition Inc.","doc_count":7},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":7},{"key":"Radius Global Solutions LLC","doc_count":7},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":7},{"key":"SUNTRUST BANKS, INC.","doc_count":7},{"key":"Santander Consumer USA Holdings Inc.","doc_count":7},{"key":"Security Credit Services, LLC","doc_count":7},{"key":"T.S. Holdings","doc_count":7},{"key":"UPGRADE, INC.","doc_count":7},{"key":"AES/PHEAA","doc_count":6},{"key":"AXOS FINANCIAL, INC.","doc_count":6},{"key":"Atlanticus Services Corporation","doc_count":6},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":6},{"key":"Credit Karma, LLC","doc_count":6},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":6},{"key":"Freedom Mortgage Company","doc_count":6},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":6},{"key":"RentDebt Automated Collections, LLC","doc_count":6},{"key":"Source Receivables Management LLC","doc_count":6},{"key":"The Bureaus, Inc.","doc_count":6},{"key":"CLGF Holdco 1, LLC","doc_count":5},{"key":"Consumer Adjustment Company Incorporated","doc_count":5},{"key":"Consumer Portfolio Services, Inc.","doc_count":5},{"key":"FORD MOTOR CREDIT CO.","doc_count":5},{"key":"FactorTrust, Inc.","doc_count":5},{"key":"Fay Servicing, LLC","doc_count":5},{"key":"Foris DAX, Inc.","doc_count":5},{"key":"LoanCare, LLC","doc_count":5},{"key":"Netspend Corporation","doc_count":5},{"key":"ONLINE Information Services, Inc.","doc_count":5},{"key":"OneMain Finance Corporation","doc_count":5},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":5},{"key":"Paramount GR Holdings, LLC","doc_count":5},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":5},{"key":"Selene Holdings LLC","doc_count":5},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":5},{"key":"AFNI INC.","doc_count":4},{"key":"ALLIANT CREDIT UNION","doc_count":4},{"key":"AmeriHome Mortgage Company, LLC","doc_count":4},{"key":"BBVA FINANCIAL CORPORATION","doc_count":4},{"key":"BMW Financial Services NA, LLC","doc_count":4},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":4},{"key":"CarMax, Inc.","doc_count":4},{"key":"Colony Brands, Inc.","doc_count":4},{"key":"Conduent Incorporated","doc_count":4},{"key":"Dave Operating, LLC","doc_count":4},{"key":"Diversified Adjustment Service, Inc.","doc_count":4},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":4},{"key":"Exeter Finance, LLC.","doc_count":4},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":4},{"key":"General Motors Financial Company, Inc.","doc_count":4},{"key":"Harris & Harris, Ltd.","doc_count":4},{"key":"Lendmark Financial Services","doc_count":4},{"key":"NCB Management Services Inc.","doc_count":4},{"key":"OPTUM BANK, INC.","doc_count":4},{"key":"Oliphant United, Inc.","doc_count":4},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":4},{"key":"ProCollect, Inc.","doc_count":4},{"key":"Revolut Technologies Inc.","doc_count":4},{"key":"Rocket Mortgage, LLC","doc_count":4},{"key":"Sequium Asset Solutions, LLC","doc_count":4},{"key":"Southwest Credit Systems, L.P.","doc_count":4},{"key":"ADP Inc.","doc_count":3},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":3},{"key":"Absolute Resolutions Corp.","doc_count":3},{"key":"Army and Air Force Exchange Service","doc_count":3},{"key":"Autovest, L.L.C.","doc_count":3},{"key":"Avant Holding Company, Inc.","doc_count":3},{"key":"BAM Management US Holdings Inc.","doc_count":3},{"key":"BB&T CORPORATION","doc_count":3},{"key":"Branch Messenger, Inc.","doc_count":3},{"key":"Carvana Group, LLC","doc_count":3},{"key":"Central Portfolio Control Inc.","doc_count":3},{"key":"Checkr, Inc","doc_count":3},{"key":"Credit Corp Solutions Inc.","doc_count":3},{"key":"Debt Recovery Solutions, LLC","doc_count":3},{"key":"Ditech Financial LLC","doc_count":3},{"key":"FC HoldCo LLC","doc_count":3},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":3},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":3},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":3},{"key":"Global Lending Services LLC","doc_count":3},{"key":"Monterey Financial Services LLC","doc_count":3},{"key":"RAS LaVrar, LLC","doc_count":3},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":3},{"key":"Rausch Sturm LLP","doc_count":3},{"key":"Relay Financial (US), Corp.","doc_count":3},{"key":"SLM CORPORATION","doc_count":3},{"key":"Servicer under contract with Federal Student Aid","doc_count":3},{"key":"Solar Mosaic LLC","doc_count":3},{"key":"The Receivable Management Services LLC","doc_count":3},{"key":"TrueAccord Corp.","doc_count":3},{"key":"Upstart Holdings, Inc.","doc_count":3},{"key":"VW Credit","doc_count":3},{"key":"Velocity Portfolio Group","doc_count":3},{"key":"Winklevoss Exchange LLC","doc_count":3},{"key":"World Acceptance Corporation","doc_count":3},{"key":"World Omni Financial Corp.","doc_count":3},{"key":"1st Franklin Financial Corporation","doc_count":2},{"key":"ACIMA CREDIT, LLC","doc_count":2},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":2},{"key":"APEX Asset Management, LLC","doc_count":2},{"key":"Aldous & Associates, PLLC","doc_count":2},{"key":"Aldridge PIte Haan, LLP","doc_count":2},{"key":"Aldridge Pite, LLP","doc_count":2},{"key":"AmeriCollect","doc_count":2},{"key":"American Coradius International LLC","doc_count":2},{"key":"American Credit Acceptance, LLC","doc_count":2},{"key":"American First Finance, Inc.","doc_count":2},{"key":"BDF Partners, PC","doc_count":2},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":2},{"key":"BROKER SOLUTIONS, INC.","doc_count":2},{"key":"Bilt Technologies, Inc.","doc_count":2},{"key":"Blackhawk Network Holdings Inc.","doc_count":2},{"key":"Blitt and Gaines, P.C.","doc_count":2},{"key":"Braviant Holdings, LLC","doc_count":2},{"key":"Brock & Scott, PLLC","doc_count":2},{"key":"Byrider Franchising, LLC","doc_count":2},{"key":"CIG FINANCIAL LLC","doc_count":2},{"key":"COLUMBIA BANKING SYSTEM, INC.","doc_count":2},{"key":"CURO Intermediate Holdings","doc_count":2},{"key":"Caliber Home Loans, Inc.","doc_count":2},{"key":"Caneel Capital, LLC","doc_count":2},{"key":"Capio Partners, LLC","doc_count":2},{"key":"Capstone Credit & Collection, LLC.","doc_count":2},{"key":"Central Research Inc","doc_count":2},{"key":"Client Services, Inc.","doc_count":2},{"key":"Climb Credit Inc.","doc_count":2},{"key":"Collection Management Holdings, LLC","doc_count":2},{"key":"Commonwealth Financial Systems, Inc.","doc_count":2},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":2},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":2},{"key":"Convergent Resources, Inc.","doc_count":2},{"key":"Credit Systems International, Inc.","doc_count":2},{"key":"Creditors Bureau Associates","doc_count":2},{"key":"CrossCountry Mortgage LLC","doc_count":2},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":2},{"key":"DriveTime","doc_count":2},{"key":"Driveway Finance Corporation","doc_count":2},{"key":"Duvera Billing Services, LLC","doc_count":2},{"key":"FIRST ADVANTAGE CORPORATION","doc_count":2},{"key":"FIRST AMERICAN FINANCIAL CORPORATION","doc_count":2},{"key":"FIRST HORIZON BANK","doc_count":2},{"key":"First Advantage LNS Inc.","doc_count":2},{"key":"Firstsource Business Process Services, LLC","doc_count":2},{"key":"Flagstar Bank, N.A.","doc_count":2},{"key":"GREENSKY OPERATIONS, LLC","doc_count":2},{"key":"Gurstel Law Firm, P.C.","doc_count":2},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":2},{"key":"HOME BANCSHARES, INC.","doc_count":2},{"key":"Io, Inc.","doc_count":2},{"key":"Javitch, Block & Rathbone LLC","doc_count":2},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":2},{"key":"Klarna AB","doc_count":2},{"key":"Kovo","doc_count":2},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":2},{"key":"LD Holdings Group, LLC","doc_count":2},{"key":"LJ Ross Associates","doc_count":2},{"key":"Law Office of Michael J. Scott, PC","doc_count":2},{"key":"MECHANICS BANK","doc_count":2},{"key":"MIDFIRST BANK","doc_count":2},{"key":"Malen & Associates, p.c.","doc_count":2},{"key":"Medical Data Systems, Inc.","doc_count":2},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":2},{"key":"Monarch Recovery Holdings, Inc.","doc_count":2},{"key":"MoneyLion Inc.","doc_count":2},{"key":"Neighborhood Assistance Corporation of America (\"NACA\")","doc_count":2},{"key":"Opportunity Financial, LLC","doc_count":2},{"key":"PHH Mortgage Services Corporation","doc_count":2},{"key":"Park Hill Holdings","doc_count":2},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":2},{"key":"Professional Credit Management, Inc","doc_count":2},{"key":"Professional Debt Mediation, Inc.","doc_count":2},{"key":"R.M. Galicia, Inc.","doc_count":2},{"key":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","doc_count":2},{"key":"Receivables Management Partners, LLC","doc_count":2},{"key":"Remitly, Inc.","doc_count":2},{"key":"Rent Recovery Solutions","doc_count":2},{"key":"Ria Envia, LLC","doc_count":2},{"key":"SANTANDER BANK, NATIONAL ASSOCIATION","doc_count":2},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":2},{"key":"SUNCOAST CREDIT UNION","doc_count":2},{"key":"Skrill USA, Inc.","doc_count":2},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":2},{"key":"Suttell, Hammer & White, P.S","doc_count":2},{"key":"Synovus Bank","doc_count":2},{"key":"TekCollect Inc.","doc_count":2},{"key":"The CMI Group, Inc.","doc_count":2},{"key":"United PanAm Financial Corp.","doc_count":2},{"key":"VYSTAR CREDIT UNION","doc_count":2},{"key":"Veros Credit, LLC","doc_count":2},{"key":"WHEELS FINANCIAL GROUP, LLC.","doc_count":2},{"key":"XOOM CORPORATION","doc_count":2},{"key":"Zions Debt Holdings","doc_count":2},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"2288984 Ontario Inc.","doc_count":1},{"key":"ACS Education Services","doc_count":1},{"key":"ADIR INTERNATIONAL LLC","doc_count":1},{"key":"AMALGAMATED TOKEN SERVICES, INC.","doc_count":1},{"key":"AMCOL Systems, Inc.","doc_count":1},{"key":"AMERIS BANCORP","doc_count":1},{"key":"ASTA FUNDING INC.","doc_count":1},{"key":"ATG Credit, LLC","doc_count":1},{"key":"ATLANTIC PACIFIC MORTGAGE CORP","doc_count":1},{"key":"AUSSRQ Holdings, LLC","doc_count":1},{"key":"AUTOMOTIVE CREDIT CORPORATION","doc_count":1},{"key":"AVANTE","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"Access Credit Management, Inc.","doc_count":1},{"key":"Acorns Grow Incorporated","doc_count":1},{"key":"Advanced Collection Bureau, Inc.","doc_count":1},{"key":"Airtm Inc.","doc_count":1},{"key":"Albert Corporation","doc_count":1},{"key":"Allegiant Capital Recovery LLC","doc_count":1},{"key":"Alliance CAS, LLC","doc_count":1},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":1},{"key":"Allied International Credit Corp., (US)","doc_count":1},{"key":"Alorica Inc.","doc_count":1},{"key":"Apelles, LLC","doc_count":1},{"key":"Apple Financing LLC","doc_count":1},{"key":"Aqua Finance, Inc.","doc_count":1},{"key":"Arbor Professional Solutions, Inc.","doc_count":1},{"key":"Aspen National Financial, Inc.","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Associated Credit Services, Inc.","doc_count":1},{"key":"Atlantic Recovery Solutions LLC","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"Ava Finance, Inc","doc_count":1},{"key":"B9, Inc.","doc_count":1},{"key":"BANCFIRST CORPORATION","doc_count":1},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":1},{"key":"BANCORPSOUTH BANK","doc_count":1},{"key":"BANK OF THE WEST","doc_count":1},{"key":"BQ & Associates, P.C., L.L.O.","doc_count":1},{"key":"Bastion Consumer Funding I, LLC","doc_count":1},{"key":"Better Mortgage, Inc.","doc_count":1},{"key":"Bliksum, LLC","doc_count":1},{"key":"Blockchain.com, Inc.","doc_count":1},{"key":"Bounce AI, Inc.","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"Bull City Financial Solutions, Inc","doc_count":1},{"key":"CARD Corporation","doc_count":1},{"key":"CARVANT FINANCIAL LLC","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"CENTERSTATE BANK CORPORATION","doc_count":1},{"key":"CNG FINANCIAL CORPORATION","doc_count":1},{"key":"COLORADO HOUSING AND FINANCE AUTHORITY","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"COMPASS FINANCIAL HOLDING GROUP, LLC","doc_count":1},{"key":"CONGRESS COLLECTION CORP","doc_count":1},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":1},{"key":"Capital Accounts, LLC","doc_count":1},{"key":"Cascade CISS Holdings, LLC","doc_count":1},{"key":"Cedars Business Services, LLC","doc_count":1},{"key":"Clark County Collection Service","doc_count":1},{"key":"Click n' Close, Inc.","doc_count":1},{"key":"Collection Bureau of Fort Walton Beach, Inc","doc_count":1},{"key":"Collection at Law, Inc. A.P.C.","doc_count":1},{"key":"Community Health Investment Company, LLC.","doc_count":1},{"key":"Concord Servicing Corporation","doc_count":1},{"key":"Consumer Legal Group, P.C.","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"Convergence Acquisitions, LLC","doc_count":1},{"key":"Credit Card Receivables Fund Incorporated","doc_count":1},{"key":"Credit Glory LLC","doc_count":1},{"key":"Credit Protection Association, L.P.","doc_count":1},{"key":"Credit Service International Corp","doc_count":1},{"key":"DApps Platform, Inc.","doc_count":1},{"key":"Deutsche Bank","doc_count":1},{"key":"Digital Access, LLC","doc_count":1},{"key":"Dividend Finance Inc.","doc_count":1},{"key":"EAST WEST BANK","doc_count":1},{"key":"EIC Enterprises","doc_count":1},{"key":"EOS Holdings, Inc.","doc_count":1},{"key":"ERC","doc_count":1},{"key":"EZCORP, INC.","doc_count":1},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":1},{"key":"Entrata Inc.","doc_count":1},{"key":"Equidata, Inc.","doc_count":1},{"key":"Everest Receivable Services Inc.","doc_count":1},{"key":"Express Collections, Inc.","doc_count":1},{"key":"FCC Finance, LLC","doc_count":1},{"key":"FCI Lender Services Inc.","doc_count":1},{"key":"FIRST INTERSTATE BANCSYSTEM, INC.","doc_count":1},{"key":"FIRST NATIONAL BANK OF PENNSYLVANIA","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FIRSTBANK PUERTO RICO","doc_count":1},{"key":"FULTON FINANCIAL CORPORATION","doc_count":1},{"key":"Fein, Such, Kahn & Shepard, P.C.","doc_count":1},{"key":"Fig Tech Inc.","doc_count":1},{"key":"Financial Assistance Inc","doc_count":1},{"key":"Financial Credit Network Inc","doc_count":1},{"key":"Financial Data Systems","doc_count":1},{"key":"Financial Recovery Services, Inc.","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"First National Collection Bureau, Inc.","doc_count":1},{"key":"First Technology Federal Credit Union","doc_count":1},{"key":"FirstPoint Collection Resources","doc_count":1},{"key":"Flexible Finance, Inc.","doc_count":1},{"key":"FourLeaf Federal Credit Union","doc_count":1},{"key":"Franklin Collection Service, Inc.","doc_count":1},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":1},{"key":"GREAT LAKES","doc_count":1},{"key":"GREATER SUBURBAN ACCEPTANCE CORPORATION","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"GVA Holdings, LLC","doc_count":1},{"key":"Gatestone & Co. International Inc.","doc_count":1},{"key":"Genpact Limited","doc_count":1},{"key":"Global Asset Agency, Inc.","doc_count":1},{"key":"Goal Structured Solutions, LLC","doc_count":1},{"key":"Google Compare Credit Cards Inc.","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Groves Capital, Inc.","doc_count":1},{"key":"Grow Credit Inc","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":1},{"key":"HEAD MERCANTILE CO., INC.","doc_count":1},{"key":"HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)","doc_count":1},{"key":"HIGHLANDS RESIDENTIAL MORTGAGE","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"Hatfield, Inc.","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"Healthcare Finance Direct LLC.","doc_count":1},{"key":"Heavner, Beyers & Mihlar LLC","doc_count":1},{"key":"HireRight Solutions, Inc.","doc_count":1},{"key":"INDEPENDENT BANK GROUP, INC.","doc_count":1},{"key":"Idaho Housing And Finance Association","doc_count":1},{"key":"Immediate Credit Recovery","doc_count":1},{"key":"International Computer Systems, Inc.","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"Jonathan Neil & Associates, Inc","doc_count":1},{"key":"KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Keynote Consulting, Inc.","doc_count":1},{"key":"Kirschenbaum & Phillips P.C","doc_count":1},{"key":"LEE S. DENNISON, P.C.","doc_count":1},{"key":"Law Office of Linda Strumpf","doc_count":1},{"key":"Law Offices of Les Zieve","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Levy & Associates, LLC","doc_count":1},{"key":"Lightspeed Mortgage, Inc.","doc_count":1},{"key":"Lloyd & McDaniel, PLC","doc_count":1},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":1},{"key":"Lugano Capital, Inc. d/b/a Start Auto Finance","doc_count":1},{"key":"MARINER FINANCE, LLC","doc_count":1},{"key":"MCCARTHY LAW PLC","doc_count":1},{"key":"MIDWEST RECEIVABLE SOLUTIONS LLC","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"MORGAN STANLEY & CO. LLC","doc_count":1},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":1},{"key":"MRS BPO, LLC","doc_count":1},{"key":"Majority USA, LLC","doc_count":1},{"key":"Marlette Funding, LLC","doc_count":1},{"key":"McCalla Raymer Leibert Pierce, LLC","doc_count":1},{"key":"McCarthy & Holthus, LLP","doc_count":1},{"key":"Media Collections, Inc","doc_count":1},{"key":"Medical Business Bureau","doc_count":1},{"key":"Medical-Commercial Audit Inc","doc_count":1},{"key":"Merchants' Credit Guide Company","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Mercury Technologies, Inc.","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Meta Payments Inc.","doc_count":1},{"key":"Midwest Fidelity Services, LLC","doc_count":1},{"key":"Midwest Recovery Systems","doc_count":1},{"key":"Miller and Steeno, P.C.","doc_count":1},{"key":"N.A.R., Inc.","doc_count":1},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":1},{"key":"NORTH AMERICAN FINANCIAL CORP","doc_count":1},{"key":"NPG Associates, Inc.","doc_count":1},{"key":"NRA Group, LLC","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"National Collection Systems, Inc.","doc_count":1},{"key":"National Enterprise Systems, Inc.","doc_count":1},{"key":"Nationwide Title Clearing, Inc.","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"Newport Intermediate Inc.","doc_count":1},{"key":"Northstar Location Services, LLC","doc_count":1},{"key":"Nudge Funding, LLC","doc_count":1},{"key":"ONEMAIN FINANCE CORPORATION","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"ORG GC GP BUYER, LLC","doc_count":1},{"key":"Oklahoma Student Loan Authority","doc_count":1},{"key":"One Source Technology","doc_count":1},{"key":"Oracle Financial Group LLC.","doc_count":1},{"key":"PACIFIC WESTERN BANK","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"PINNACLE RECOVERY, INC.","doc_count":1},{"key":"PLANET HOME LENDING, LLC","doc_count":1},{"key":"PREFERRED CREDIT INC","doc_count":1},{"key":"PRIMELENDING, A PLAINSCAPITAL COMPANY","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Partners Financial Services Inc","doc_count":1},{"key":"Payward Ventures Inc. dba Kraken","doc_count":1},{"key":"Penn Credit Corporation","doc_count":1},{"key":"Phoenix Financial Services LLC","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Possible Financial Inc","doc_count":1},{"key":"Preferred Collection and Management, Inc.","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Prime Business Service, LLC","doc_count":1},{"key":"Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch","doc_count":1},{"key":"Professional Recovery Management","doc_count":1},{"key":"Professional Systems of Mankato, Inc.","doc_count":1},{"key":"Quality Loan Service Corporation","doc_count":1},{"key":"R & B Corporation of Virginia","doc_count":1},{"key":"Receivable Recovery Services, LLC","doc_count":1},{"key":"Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch","doc_count":1},{"key":"Revco Management, LLC","doc_count":1},{"key":"Rhode Island Housing and Mortgage Finance Corporation","doc_count":1},{"key":"Riverwalk Financial Corporation","doc_count":1},{"key":"RockLoans Holdings LLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":1},{"key":"Rubin Lublin, LLC","doc_count":1},{"key":"SAN DIEGO COUNTY CREDIT UNION","doc_count":1},{"key":"SIMM Associates, Inc.","doc_count":1},{"key":"SIMMONS FIRST NATIONAL CORPORATION","doc_count":1},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"SUN WEST MORTGAGE COMPANY, INC.","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Schrier, Tolin and Wagman, LLC","doc_count":1},{"key":"Selene Finance LP","doc_count":1},{"key":"Sentry Recovery and Collections, Inc.","doc_count":1},{"key":"Service Finance Holdings, LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Shepherd Outsourcing, LLC","doc_count":1},{"key":"Skopos Financial, LLC","doc_count":1},{"key":"Smith Debnam Narron Drake Saintsing & Myers LLP","doc_count":1},{"key":"Social Finance, Inc.","doc_count":1},{"key":"Southern Credit Adjusters, Inc.","doc_count":1},{"key":"Southern Management Systems Inc.","doc_count":1},{"key":"Southern Oregon Credit Service, Inc.","doc_count":1},{"key":"Specialized Collection Systems, Inc.","doc_count":1},{"key":"Steel River Systems, LLC","doc_count":1},{"key":"Stellantis Financial Services US Corp.","doc_count":1},{"key":"Stone Creek Financial, Inc","doc_count":1},{"key":"Stuart-Lippman and Associates, Inc","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"Sunlight Financial LLC","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"TRUSTMARK CORPORATION","doc_count":1},{"key":"Tate and Kirlin Assoc","doc_count":1},{"key":"Tennessee Credit Management, Inc","doc_count":1},{"key":"Terrill Outsourcing Group","doc_count":1},{"key":"The Aligned Company DBA Extra","doc_count":1},{"key":"The Outsource Group, Inc","doc_count":1},{"key":"TomoCredit Inc.","doc_count":1},{"key":"Torres Credit Services, Inc.","doc_count":1},{"key":"Trident Asset Management, L.L.C.","doc_count":1},{"key":"U.S. Collections West, Inc.","doc_count":1},{"key":"UMB FINANCIAL CORPORATION","doc_count":1},{"key":"USCB, Inc.","doc_count":1},{"key":"Unifin Inc.","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"V and H Portfolio","doc_count":1},{"key":"VANDERBILT MORTGAGE & FINANCE, INC","doc_count":1},{"key":"VELO LAW OFFICE","doc_count":1},{"key":"Valor Intelligent Processing, LLC","doc_count":1},{"key":"Viking Client Services","doc_count":1},{"key":"W&A Intermediate Co., LLC","doc_count":1},{"key":"WEBSTER BANK, NATIONAL ASSOCIATION","doc_count":1},{"key":"WINN LAW GROUP, APC","doc_count":1},{"key":"WLCC","doc_count":1},{"key":"We Collect Inc","doc_count":1},{"key":"Weltman, Weinberg & Reis Co., L.P.A.","doc_count":1},{"key":"White Jacobs & Associates","doc_count":1},{"key":"Williams & Fudge, Inc","doc_count":1},{"key":"ZIONS BANCORPORATION","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1},{"key":"Zarzaur and Schwartz, PC","doc_count":1},{"key":"eCon Credit LP","doc_count":1},{"key":"eToro USA LLC","doc_count":1}]}},"state":{"doc_count":12047,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":1565},{"key":"CA","doc_count":1367},{"key":"FL","doc_count":1302},{"key":"GA","doc_count":1206},{"key":"NY","doc_count":787},{"key":"LA","doc_count":488},{"key":"IL","doc_count":465},{"key":"AZ","doc_count":448},{"key":"MI","doc_count":405},{"key":"NJ","doc_count":389},{"key":"PA","doc_count":338},{"key":"NC","doc_count":283},{"key":"OH","doc_count":273},{"key":"MD","doc_count":258},{"key":"VA","doc_count":256},{"key":"SC","doc_count":187},{"key":"MO","doc_count":174},{"key":"NV","doc_count":158},{"key":"TN","doc_count":132},{"key":"MA","doc_count":120},{"key":"CO","doc_count":115},{"key":"MN","doc_count":113},{"key":"WA","doc_count":113},{"key":"AL","doc_count":88},{"key":"WI","doc_count":82},{"key":"CT","doc_count":74},{"key":"MS","doc_count":72},{"key":"UT","doc_count":72},{"key":"IN","doc_count":68},{"key":"KY","doc_count":68},{"key":"AR","doc_count":59},{"key":"DC","doc_count":48},{"key":"OR","doc_count":45},{"key":"DE","doc_count":42},{"key":"OK","doc_count":40},{"key":"HI","doc_count":39},{"key":"NM","doc_count":34},{"key":"NE","doc_count":28},{"key":"NH","doc_count":28},{"key":"IA","doc_count":23},{"key":"RI","doc_count":22},{"key":"MT","doc_count":21},{"key":"KS","doc_count":20},{"key":"WY","doc_count":14},{"key":"PR","doc_count":13},{"key":"ID","doc_count":10},{"key":"AK","doc_count":9},{"key":"ME","doc_count":9},{"key":"SD","doc_count":7},{"key":"VT","doc_count":6},{"key":"ND","doc_count":5},{"key":"WV","doc_count":4},{"key":"GU","doc_count":1},{"key":"VI","doc_count":1}]}},"company_public_response":{"doc_count":12047,"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":6307},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":218},{"key":"Company chooses not to provide a public response","doc_count":15},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":12},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":12},{"key":"Company disputes the facts presented in the complaint","doc_count":10},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":8},{"key":"Company believes complaint is the result of an isolated error","doc_count":7},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":5},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":4}]}},"tags":{"doc_count":12047,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":850},{"key":"Older American","doc_count":303},{"key":"Older American, Servicemember","doc_count":77}]}}},"_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":[12.401862,"14052686"],"3":[12.095097,"21048057"],"4":[11.79169,"7934571"],"5":[11.664616,"13401910"],"6":[11.535101,"1853229"],"7":[11.375448,"3778491"],"8":[11.228498,"20369202"]}}}