{"took":151,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13982,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10443502","_score":18.312332,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section XXXX of the FCRA. \n\nUnder the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per XXXX XXXX XXXX, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : # # # Accounts in Dispute : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX  XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\n# # # Accounts Not Belonging to Me : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account Numbers : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These accounts are not mine. Please remove them from my report. \n\nPlease promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-10-14T21:17:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"10443502","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-14T21:17:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX XXXX - Account Numbers : XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary."]},"sort":[18.312332,"10443502"]},{"_index":"complaint-public-v1","_id":"10447679","_score":18.289402,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section 611 of the FCRA. \n\nUnder the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per XXXX XXXX XXXX, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : # # # Accounts in Dispute : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXXXXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\n# # # Accounts Not XXXX to XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX  - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Numbers : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX are not mine. Please remove them from my report. \n\nPlease promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-10-14T21:17:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"10447679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-14T21:17:44.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX XXXX  - Account Numbers : XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary."]},"sort":[18.289402,"10447679"]},{"_index":"complaint-public-v1","_id":"10447791","_score":18.278072,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XXXX XXXX XXXX I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section 611 of the FCRA.\n\nUnder the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per 15 USC 1681s-2, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : XXXX XXXX XXXX Accounts in Dispute XXXX XXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX XXXX  These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Accounts Not Belonging to Me : XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX XXXX These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Numbers XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine. Please remove them from my report. \n\nPlease promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-10-14T21:17:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"10447791","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-14T19:41:32.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX - These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX XXXX These accounts are <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em> and <em>correct</em> as necessary."]},"sort":[18.278072,"10447791"]},{"_index":"complaint-public-v1","_id":"10524432","_score":16.828297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, TransUnion has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX  XXXX XXXX Account # XXXX The details of this account are inaccurate and incomplete. I request a thorough investigation, and under the FCRA, if the account can not be fully verified for accuracy, it must be removed. \n\nXXXX XXXXXXXX Account # XXXX This account is not being reported correctly and is incomplete. TransUnion must verify the accuracy of this account or remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX The information associated with this account is inaccurate and incomplete. I request that TransUnion investigate, and if it can not be verified, the account should be removed under the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account has inaccuracies, and I am requesting a formal investigation. If the account can not be fully verified, it must be removed from my credit report as required by the FCRA. \n\nXXXX XXXX  Account # XXXX The information on this account is incomplete and inaccurate. Per the FCRA, I request that TransUnion investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, it should be investigated and removed if it can not be fully verified. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX I believe this account is inaccurately reported. TransUnion must verify its details or remove it if incomplete, as required by the FCRA. \n\nXXXXXXXX XXXX XXXXXXXX Account # XXXX The account information is incomplete and inaccurate. Per the FCRA, I request that it be verified, and if not, removed from my report. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate information and should be investigated. If the account can not be verified for accuracy, it must be removed in accordance with the FCRA. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and is incomplete. Under the FCRA, I request a full investigation and removal if the account can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if it can not be verified, it should be removed as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account is inaccurately reported, and I request an investigation. If verification is not possible, the account must be removed as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account has inaccurate and incomplete information. It must be removed if it can not be fully verified, per the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account is inaccurately reported, and I request a full investigation. If the information is incomplete or inaccurate and can not be verified, it should be removed from my credit report per the FCRA.","date_sent_to_company":"2024-10-21T19:55:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10524432","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-21T19:41:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX Account # XXXX This account is not being reported <em>correctly</em> and is <em>incomplete</em>. TransUnion must verify the accuracy of this account or <em>remove</em> it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX The information associated with this account is <em>inaccurate</em> and <em>incomplete</em>. I request that TransUnion <em>investigate</em>, and if it can not be verified, the account should be <em>removed</em> under the FCRA."],"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":[16.828297,"10524432"]},{"_index":"complaint-public-v1","_id":"10519985","_score":16.461742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax Information Services LLC due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, Equifax has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX  XXXX Account # XXXX The information related to this account is inaccurate. Please investigate, and if the account can not be verified, remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting incomplete and inaccurate information. Under the FCRA, I request that it be investigated, and if not verifiable, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate, and if the account can not be verified, it should be removed in compliance with the FCRA. \n\nXXXX XXXX  XXXX XXXX Account XXXX XXXX The information on this account is incomplete and inaccurate. Please investigate, and if it can not be verified, I request its removal. \n\nXXXX XXXX Account # XXXX This account contains inaccurate and incomplete details. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX XXXX, XXXX Account # XXXX The information on this account is inaccurate and incomplete. Please investigate, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The account is reporting incomplete and inaccurate information. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. If the information can not be verified, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. Under the FCRA, I request an investigation, and if the information can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The information on this account is incomplete and inaccurate. If the details can not be verified, I request that it be removed as per the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if the account can not be verified, remove it under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are inaccurate. If the information can not be verified, I request that it be removed from my credit report.","date_sent_to_company":"2024-10-21T19:20:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10519985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-21T19:05:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>investigate</em>, and if the account can not be verified, it should be <em>removed</em> in compliance with the FCRA. \n\nXXXX XXXX  XXXX XXXX Account XXXX XXXX The information on this account is <em>incomplete</em> and <em>inaccurate</em>. Please <em>investigate</em>, and if it can not be verified, I request its removal. \n\nXXXX XXXX Account # XXXX This account contains <em>inaccurate</em> and <em>incomplete</em> details. Under the FCRA, I request an <em>investigation</em>, and if the account can not be fully verified, it should be <em>removed</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":[16.461742,"10519985"]},{"_index":"complaint-public-v1","_id":"3630045","_score":16.277105,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays XXXX  recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.","date_sent_to_company":"2020-04-30T06:13:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11701","tags":null,"has_narrative":true,"complaint_id":"3630045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-30T02:07:09.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days."]},"sort":[16.277105,"3630045"]},{"_index":"complaint-public-v1","_id":"3630039","_score":16.277105,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.","date_sent_to_company":"2020-04-30T06:06:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11701","tags":null,"has_narrative":true,"complaint_id":"3630039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-04-30T01:50:12.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days."]},"sort":[16.277105,"3630039"]},{"_index":"complaint-public-v1","_id":"3654464","_score":16.266695,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.","date_sent_to_company":"2020-05-15T22:28:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11701","tags":null,"has_narrative":true,"complaint_id":"3654464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-15T22:23:36.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 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":[16.266695,"3654464"]},{"_index":"complaint-public-v1","_id":"7007424","_score":16.039753,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian keeps violating my rights according to the Fair Credit Reporting Act You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate. \n\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. \n\nThey have received my letter two times and are ignoring my disputes and not doing any investigation whatsoever, my rights are clearly being violated I demand my disputes to be processed All disputes have id, proof of adress and even my social security its pretty clear its me sending the letters, they are trying to avoid helping me and violating my rights, I will demand compensations if this persists.","date_sent_to_company":"2023-05-21T16:29:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"00693","tags":null,"has_narrative":true,"complaint_id":"7007424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-21T16:11:26.000Z","state":"PR","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":["<em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"]},"sort":[16.039753,"7007424"]},{"_index":"complaint-public-v1","_id":"3696715","_score":15.980516,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Ive sent numerous cfpb complaints to this company to address the issue on them not completing an investigation on discrepancies on my credit report. Ive sent them documentation and social security cards stating that i am the person who wrote the dispute. This company is violating my fair credit reporting acts by avoiding removing the inaccurate information that was never investigated. On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.","date_sent_to_company":"2020-06-12T14:09:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11701","tags":null,"has_narrative":true,"complaint_id":"3696715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-12T14:02:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.980516,"3696715"]},{"_index":"complaint-public-v1","_id":"12078506","_score":15.918136,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did not authorize this hard inquiry that has appeared on my credit report. I was researching rates for a home equilty line of credit, but did not have proper information that the research was going to create a hard inquiry of my credit being pulled. No further action occurred from me with this company, as I was not in a true relationship with them for a loan. \n\nAccording to the fair credit reporting act You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2025-02-21T23:56:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"83440","tags":null,"has_narrative":true,"complaint_id":"12078506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-15T00:17:51.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["According to the fair credit reporting act You have the right to dispute <em>incomplete</em> or <em>inaccurate</em> information. If you identify information in your file that is <em>incomplete</em> or <em>inaccurate</em>, and report it to the consumer reporting agency, the agency must <em>investigate</em> Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days."]},"sort":[15.918136,"12078506"]},{"_index":"complaint-public-v1","_id":"5765722","_score":15.839745,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed this account with Equifax three times. Account number XXXX XXXX XXXX XXXX. According to the re-investigation credit report confirmation number XXXX XX/XX/2022. Once again I disputed the date of last activity the reinvestigation report and I quote has verified to our company that the date of last activity is being reported correctly. As you can see in the report, the re- investigation file that Equifax XXXX me clearly shows the date of last activity is not accurate or correct. Because there is no date of last activity on the report. So this would make it incomplete and also inaccurate which they stated it was accurate. \n\nEquifax continues to violate federal laws. The FCRA is very clear inaccurate incomplete information must be removed. Please remove the account ASAP.","date_sent_to_company":"2022-07-13T17:46:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"498XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5765722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-13T17:19:07.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So this would make it <em>incomplete</em> and also <em>inaccurate</em> which they stated it was accurate. \n\nEquifax continues to violate federal laws. The FCRA is very clear <em>inaccurate</em> <em>incomplete</em> information must be <em>removed</em>. Please <em>remove</em> the account ASAP."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.839745,"5765722"]},{"_index":"complaint-public-v1","_id":"10524741","_score":15.828537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for maintaining inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite attempts to correct these errors, Experian has failed to address the issues, and I am requesting your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX Name ID # XXXX This is not my legal name, and I request its removal from my credit report. \n\nInaccurate Addresses to Remove : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Address ID XXXX XXXX These addresses are incorrect and unrelated to my credit history. I request that they be removed. \n\nAccounts Reporting Inaccurate or Incomplete Information : Absolute Resolutions Investments Account # XXXX The information related to this account is incomplete and inaccurate. Under the FCRA, I request that Experian investigate and remove the account if it can not be fully verified. \n\nXXXX XXXX XXXX Account XXXX XXXX XXXX details of this account are incorrect. Please investigate and remove the account if the information is not verifiable, in compliance with the FCRA. \n\nXXXX XXXX XXXXXXXX Account XXXX XXXX The account is reporting inaccurate and incomplete information. If the account can not be verified as accurate, I request that it be removed, as required by the FCRA. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately. Please investigate and remove the account if it can not be fully verified. \n\nXXXX  XXXX Account # XXXX The information on this account is incomplete and incorrect. Under the FCRA, I request that it be investigated and removed if not verifiable. \n\nXXXX XXXX XXXX Account # XXXX This account is reported inaccurately. If the information can not be verified, I request its removal in accordance with the FCRA. \n\nXXXX XXXX  Account # XXXX The details of this account are incomplete and inaccurate. Please investigate, and if it can not be verified, it must be removed from my credit report under the FCRA. \n\nXXXX XXXX Account # XXXX This account is reported inaccurately and should be investigated. If the information can not be verified, I request its removal in accordance with the FCRA. \n\nXXXX XXXX Account # XXXX This account is reporting incomplete and inaccurate information. Please investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The information associated with this account is inaccurate. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account is reporting incomplete and inaccurate information. Please investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate and remove the account if it can not be fully verified. \n\nXXXX XXXX Account # XXXX This account is inaccurate and incomplete. Please investigate, and if the information can not be verified, remove the account under the FCRA. \n\nXXXX XXXX XXXX XXXX  Account # XXXX The information on this account is inaccurate. Please investigate and remove the account if it can not be verified. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and should be investigated. If it can not be verified, it must be removed as required by the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. I request a full investigation, and if it can not be verified, it must be removed per the FCRA.","date_sent_to_company":"2024-10-21T19:39:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10524741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-21T19:23:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Account # XXXX This account is <em>incomplete</em> and <em>inaccurate</em>. I request a full <em>investigation</em>, and if it can not be verified, it must be <em>removed</em> per the FCRA."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.828537,"10524741"]},{"_index":"complaint-public-v1","_id":"3846214","_score":15.769934,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX mailed dispute method of verification & my drivers licence with my permanent address where I have lived since XXXX to Experian for them to show how they verified the incorrect bankruptcy on my report. \nXXXX received email from Experian stating they stared my dispute. \nXX/XX/XXXX received email from Experian stated they verified the bankruptcy and completed investigation, did not tell how or where it was verified from. \nThe record is incomplete and inaccurate for court name, ref number, amount, etc. \nXXXX was NOT able to verify the record due to inaccurate information and removed from my record in XX/XX/XXXX. \nXXXX  was NOT able to verify the record due to inaccurate information and removed from my record XX/XX/XXXX. \nMy XXXX file is frozen, they couldn't have verified it from there. \nPer my FCRA rights Experian is in direct violation of my rights, bankruptcy needs to be deleted from my report immediately. \nYou have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures. \nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2020-09-12T05:01:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30214","tags":"Servicemember","has_narrative":true,"complaint_id":"3846214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-12T00:51:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>Inaccurate</em>, <em>incomplete</em> or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."],"sub_issue":["Public record information <em>inaccurate</em>"]},"sort":[15.769934,"3846214"]},{"_index":"complaint-public-v1","_id":"12078029","_score":15.750231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did not request that XXXX pull my credit for XX/XX/year> or XX/XX/year>. \n\nI have contacted them and they have not been removed. I do not know what these are for and ask that you please remove these hard inquires immediately from my report as they are hurting my credit and this is unlawful to have them published aas they are inaccurate. \n\nI did not even need a home loan in XX/XX/year> when the first one was pulled and I did not authorize the hard inquiry from them again in XXXX and did not follow up or utilize any loan from this company. \n\nAccording to the Fair Credit Reporting act, \" You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2025-02-21T22:57:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"83440","tags":null,"has_narrative":true,"complaint_id":"12078029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-15T01:19:09.000Z","state":"ID","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["According to the Fair Credit Reporting act, \" You have the right to dispute <em>incomplete</em> or <em>inaccurate</em> information. If you identify information in your file that is <em>incomplete</em> or <em>inaccurate</em>, and report it to the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. See Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information."]},"sort":[15.750231,"12078029"]},{"_index":"complaint-public-v1","_id":"12077953","_score":15.705306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I did not request that XXXX pull my credit for XX/XX/year> or XX/XX/year>. \n\nI have contacted them and they have not been removed. I do not know what these are for and ask that you please remove these hard inquires immediately from my report as they are hurting my credit and this is unlawful to have them published aas they are inaccurate. \n\nI did not even need a home loan in XX/XX/year> when the first one was pulled and I did not authorize the hard inquiry from them again in XXXX and did not follow up or utilize any loan from this company. \n\nAccording to the Fair Credit Reporting act, \" You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2025-02-21T22:57:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"83440","tags":null,"has_narrative":true,"complaint_id":"12077953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-15T00:54:39.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["According to the Fair Credit Reporting act, \" You have the right to dispute <em>incomplete</em> or <em>inaccurate</em> information. If you identify information in your file that is <em>incomplete</em> or <em>inaccurate</em>, and report it to the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. See Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information."]},"sort":[15.705306,"12077953"]},{"_index":"complaint-public-v1","_id":"4337070","_score":15.660299,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On numerous occasions Experian did not do a thorough investigation and refused to and disregard my disputes and demands to take XXXX XXXX XXXX XXXX and XXXX XXXX off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2021-04-29T17:28:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"4337070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-29T17:02:04.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If you identify information in your file that is <em>incomplete</em> or <em>inaccurate</em>, and report it to the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.660299,"4337070"]},{"_index":"complaint-public-v1","_id":"4337277","_score":15.613891,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On numerous occasions Equifax did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified Services and XXXX, Comenitycapital/wynd, XXXX Vacation Own inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2021-04-29T18:28:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"4337277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-29T17:46:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["If you identify information in your file that is <em>incomplete</em> or <em>inaccurate</em>, and report it to the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."]},"sort":[15.613891,"4337277"]},{"_index":"complaint-public-v1","_id":"4337103","_score":15.613891,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On numerous occasions Transunion did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified XXXX and all of the XXXX XXXX XXXX inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2021-04-29T17:44:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"4337103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-29T17:29:47.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If you identify information in your file that is <em>incomplete</em> or <em>inaccurate</em>, and report it to the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.613891,"4337103"]},{"_index":"complaint-public-v1","_id":"4416376","_score":15.545571,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2021-05-29T20:41:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"165XX","tags":null,"has_narrative":true,"complaint_id":"4416376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-05-29T20:41:25.000Z","state":"PA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["It has been well over 30 days plus and I haven't received any <em>investigation</em> results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."],"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":[15.545571,"4416376"]},{"_index":"complaint-public-v1","_id":"7504894","_score":15.543332,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I need these inquiries investigated and I require written proof of authorization. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.","date_sent_to_company":"2023-09-05T20:56:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33180","tags":null,"has_narrative":true,"complaint_id":"7504894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-05T20:42:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I need these inquiries <em>investigated</em> and I require written proof of authorization. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days."]},"sort":[15.543332,"7504894"]},{"_index":"complaint-public-v1","_id":"6071605","_score":15.543332,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. \n\n\nXXXX XXXX","date_sent_to_company":"2022-10-11T06:56:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08755","tags":null,"has_narrative":true,"complaint_id":"6071605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-11T06:51:17.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be <em>inaccurate</em> and <em>incomplete</em> be immediately <em>investigated</em> and <em>corrected</em> on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and <em>correct</em> and is not untimely, unverifiable, <em>incomplete</em> or <em>inaccurate</em>. Please <em>remove</em> all negativity. \n\n\nXXXX XXXX"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.543332,"6071605"]},{"_index":"complaint-public-v1","_id":"11948789","_score":15.530526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate my dispute and correct or remove any inaccurate, incomplete, or unverifiable information within 30 days","date_sent_to_company":"2025-02-05T08:00:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48504","tags":null,"has_narrative":true,"complaint_id":"11948789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T07:33:07.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to <em>investigate</em> my dispute and <em>correct</em> or <em>remove</em> any <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information within 30 days"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.530526,"11948789"]},{"_index":"complaint-public-v1","_id":"4416374","_score":15.522049,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.","date_sent_to_company":"2021-05-29T20:41:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"165XX","tags":null,"has_narrative":true,"complaint_id":"4416374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-05-29T19:27:09.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["It has been well over 30 days plus and I haven't received any <em>investigation</em> results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, <em>incomplete</em>, or unverifiable information. <em>Inaccurate</em>, <em>incomplete</em>, or unverifiable information must be <em>removed</em> or <em>corrected</em>, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate."],"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":[15.522049,"4416374"]},{"_index":"complaint-public-v1","_id":"6071601","_score":15.500406,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. \n\n\nXXXX XXXX","date_sent_to_company":"2022-10-11T06:56:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08755","tags":null,"has_narrative":true,"complaint_id":"6071601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-11T06:51:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be <em>inaccurate</em> and <em>incomplete</em> be immediately <em>investigated</em> and <em>corrected</em> on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and <em>correct</em> and is not untimely, unverifiable, <em>incomplete</em> or <em>inaccurate</em>. Please <em>remove</em> all negativity. \n\n\nXXXX XXXX"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.500406,"6071601"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":13982,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":13982}]}},"product":{"doc_count":13982,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":10764,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10651},{"key":"Other personal consumer report","doc_count":113}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2194,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2166},{"key":"Other personal consumer report","doc_count":17},{"key":"Credit repair services","doc_count":11}]}},{"key":"Debt collection","doc_count":753,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":396},{"key":"Credit card debt","doc_count":147},{"key":"Other debt","doc_count":77},{"key":"Auto debt","doc_count":39},{"key":"Telecommunications debt","doc_count":38},{"key":"Rental debt","doc_count":27},{"key":"Medical debt","doc_count":10},{"key":"Federal student loan debt","doc_count":9},{"key":"Payday loan debt","doc_count":5},{"key":"Mortgage debt","doc_count":4},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit card","doc_count":69,"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":53},{"key":"Store credit card","doc_count":16}]}},{"key":"Vehicle loan or lease","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":38},{"key":"Lease","doc_count":8}]}},{"key":"Student loan","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":33},{"key":"Private student loan","doc_count":6}]}},{"key":"Checking or savings account","doc_count":36,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":33},{"key":"Other banking product or service","doc_count":2},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Mortgage","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":11},{"key":"FHA mortgage","doc_count":6},{"key":"VA mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":7},{"key":"Personal line of credit","doc_count":6},{"key":"Payday loan","doc_count":2},{"key":"Title loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":5},{"key":"Debt settlement","doc_count":3},{"key":"Mortgage modification or foreclosure avoidance","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3},{"key":"Store credit card","doc_count":1}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1}]}}]}},"issue":{"doc_count":13982,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4692,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1749},{"key":"Account information incorrect","doc_count":1402},{"key":"Account status incorrect","doc_count":979},{"key":"Personal information incorrect","doc_count":265},{"key":"Public record information inaccurate","doc_count":110},{"key":"Old information reappears or never goes away","doc_count":85},{"key":"Information is missing that should be on the report","doc_count":83},{"key":"Information is incorrect","doc_count":12},{"key":"Information that should be on the report is missing","doc_count":7}]}},{"key":"Improper use of your report","doc_count":4008,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3684},{"key":"Credit inquiries on your report that you don't recognize","doc_count":307},{"key":"Report provided to employer without your written authorization","doc_count":15},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3064,"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":2432},{"key":"Investigation took more than 30 days","doc_count":376},{"key":"Was not notified of investigation status or results","doc_count":160},{"key":"Problem with personal statement of dispute","doc_count":59},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":37}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1106,"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":544},{"key":"Investigation took more than 30 days","doc_count":458},{"key":"Was not notified of investigation status or results","doc_count":70},{"key":"Problem with personal statement of dispute","doc_count":22},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":12}]}},{"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":242},{"key":"Debt was result of identity theft","doc_count":81},{"key":"Debt was paid","doc_count":30},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":19}]}},{"key":"False statements or representation","doc_count":181,"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":"Impersonated attorney, law enforcement, or government official","doc_count":2},{"key":"Indicated you were committing crime by not paying debt","doc_count":2},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":1}]}},{"key":"Written notification about debt","doc_count":147,"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":91},{"key":"Didn't receive notice of right to dispute","doc_count":53},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":118,"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":114},{"key":"Problem getting your free annual credit report","doc_count":4}]}},{"key":"Took or threatened to take negative or legal action","doc_count":35,"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":24},{"key":"Sued you without properly notifying you of lawsuit","doc_count":4},{"key":"Threatened to sue you for very old debt","doc_count":3},{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":2}]}},{"key":"Getting a credit card","doc_count":19,"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":16},{"key":"Application denied","doc_count":2},{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Opening an account","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":17},{"key":"Account opened without my consent or knowledge","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":18,"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":10},{"key":"Investigation took more than 30 days","doc_count":4},{"key":"Problem with personal statement of dispute","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":17,"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":11},{"key":"Problem with product or service terms changing","doc_count":4},{"key":"Billing dispute for services","doc_count":2}]}},{"key":"Credit reporting company's investigation","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"No notice of investigation status/result","doc_count":10},{"key":"Investigation took too long","doc_count":2},{"key":"Problem with statement of dispute","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account terms","doc_count":3},{"key":"Information is not mine","doc_count":3},{"key":"Account status","doc_count":2},{"key":"Public record","doc_count":2},{"key":"Reinserted previously deleted info","doc_count":2}]}},{"key":"Repossession","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":11},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":6},{"key":"Trouble with how payments are being handled","doc_count":5}]}},{"key":"Communication tactics","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":5},{"key":"Frequent or repeated calls","doc_count":4}]}},{"key":"Confusing or misleading advertising or marketing","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":3},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2},{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Fees or interest","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":6},{"key":"Charged too much interest","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":5},{"key":"Problem with additional products or services purchased with the loan","doc_count":1},{"key":"Problem with fees charged","doc_count":1},{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":6},{"key":"Can't get other flexible options for repaying your loan","doc_count":1},{"key":"Can't temporarily delay making payments","doc_count":1}]}},{"key":"Closing your account","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":7}]}},{"key":"Getting a loan or lease","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":3},{"key":"Loan opened without my consent or knowledge","doc_count":3},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1}]}},{"key":"Closing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":5}]}},{"key":"Managing an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":2},{"key":"Banking errors","doc_count":1},{"key":"Fee problem","doc_count":1},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with customer service","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with fraud alerts or security freezes","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem while selling or giving up the vehicle","doc_count":2},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":2},{"key":"Problem when attempting to purchase vehicle at the end of the lease","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":5,"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":4},{"key":"Contacted you instead of your attorney","doc_count":1}]}},{"key":"Electronic communications","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":2},{"key":"Contacted before 8am or after 9pm","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Problem when making payments","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":2},{"key":"You never received your bill or did not know a payment was due","doc_count":2}]}},{"key":"Struggling to pay mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":3},{"key":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity protection","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute","doc_count":3}]}},{"key":"Identity theft protection or other monitoring services","doc_count":3,"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":2},{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":3}]}},{"key":"Problem with a purchase shown on your statement","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":2},{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Delays in the application process","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Charged upfront or unexpected fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":1,"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":1}]}},{"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":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Struggling to pay your loan","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":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was damaged or destroyed the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":13982,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":13945},{"key":"No","doc_count":37}]}},"company_response":{"doc_count":13982,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7692},{"key":"Closed with non-monetary relief","doc_count":6267},{"key":"Untimely response","doc_count":13},{"key":"Closed with monetary relief","doc_count":10}]}},"submitted_via":{"doc_count":13982,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":13982}]}},"company":{"doc_count":13982,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":4241},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":4062},{"key":"Experian Information Solutions Inc.","doc_count":3961},{"key":"Resurgent Capital Services L.P.","doc_count":86},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":80},{"key":"LEXISNEXIS","doc_count":66},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":55},{"key":"Nelnet, Inc.","doc_count":45},{"key":"CL Holdings LLC","doc_count":43},{"key":"Portfolio Recovery Associates, LLC","doc_count":41},{"key":"DISCOVER BANK","doc_count":38},{"key":"JPMORGAN CHASE & CO.","doc_count":36},{"key":"Bread Financial Holdings, Inc.","doc_count":35},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":34},{"key":"CBC Companies, Inc.","doc_count":33},{"key":"WELLS FARGO & COMPANY","doc_count":30},{"key":"CITIBANK, N.A.","doc_count":29},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":28},{"key":"SYNCHRONY FINANCIAL","doc_count":28},{"key":"Kikoff Inc.","doc_count":24},{"key":"Self Financial Inc.","doc_count":24},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":23},{"key":"AMERICAN EXPRESS COMPANY","doc_count":22},{"key":"CCS Financial Services, Inc.","doc_count":22},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":22},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":21},{"key":"National Credit Systems,Inc.","doc_count":21},{"key":"TRANSWORLD SYSTEMS INC","doc_count":21},{"key":"Affirm Holdings, Inc","doc_count":20},{"key":"Bridgecrest Acceptance Corporation","doc_count":19},{"key":"EdFinancial Services","doc_count":18},{"key":"ALLY FINANCIAL INC.","doc_count":17},{"key":"I.C. System, Inc.","doc_count":16},{"key":"TD BANK US HOLDING COMPANY","doc_count":16},{"key":"GOLDMAN SACHS BANK USA","doc_count":14},{"key":"MOHELA","doc_count":14},{"key":"BARCLAYS BANK DELAWARE","doc_count":13},{"key":"Early Warning Services, LLC","doc_count":13},{"key":"General Motors Financial Company, Inc.","doc_count":12},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":11},{"key":"Maximus Federal Services, Inc.","doc_count":11},{"key":"Navient Solutions, LLC.","doc_count":11},{"key":"Westlake Services, LLC","doc_count":11},{"key":"Exeter Finance, LLC.","doc_count":10},{"key":"OneMain Finance Corporation","doc_count":10},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":10},{"key":"CLGF Holdco 1, LLC","doc_count":9},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":9},{"key":"Kriya Capital, LLC","doc_count":9},{"key":"ProCollect, Inc.","doc_count":9},{"key":"ID Analytics, Inc.","doc_count":8},{"key":"NCB Management Services Inc.","doc_count":8},{"key":"T.S. Holdings","doc_count":8},{"key":"National Credit Adjusters, LLC","doc_count":7},{"key":"Servicer under contract with Federal Student Aid","doc_count":7},{"key":"U.S. BANCORP","doc_count":7},{"key":"Aargon Agency, Inc.","doc_count":6},{"key":"Advanced Resolution Services Inc.","doc_count":6},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":6},{"key":"Opportunity Financial, LLC","doc_count":6},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":6},{"key":"Spring Oaks Capital, LLC","doc_count":6},{"key":"CONTRACT CALLERS INC","doc_count":5},{"key":"CORELOGIC INC","doc_count":5},{"key":"PNC Bank N.A.","doc_count":5},{"key":"Possible Financial Inc","doc_count":5},{"key":"RAS LaVrar, LLC","doc_count":5},{"key":"Radius Global Solutions LLC","doc_count":5},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":5},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":5},{"key":"AES/PHEAA","doc_count":4},{"key":"Amsher Collection Services, Inc.","doc_count":4},{"key":"Central Portfolio Control Inc.","doc_count":4},{"key":"Debt Recovery Solutions, LLC","doc_count":4},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":4},{"key":"HW Holding, Inc","doc_count":4},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":4},{"key":"Larry H. Miller Group of Companies","doc_count":4},{"key":"Mercedes Benz Financial Services","doc_count":4},{"key":"Monterey Financial Services LLC","doc_count":4},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":4},{"key":"ONLINE Information Services, Inc.","doc_count":4},{"key":"Ocwen Financial Corporation","doc_count":4},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":4},{"key":"SLM CORPORATION","doc_count":4},{"key":"Sezzle Inc.","doc_count":4},{"key":"Shellpoint Partners, LLC","doc_count":4},{"key":"UPGRADE, INC.","doc_count":4},{"key":"World Acceptance Corporation","doc_count":4},{"key":"ACIMA CREDIT, LLC","doc_count":3},{"key":"American Credit Acceptance, LLC","doc_count":3},{"key":"Atlanticus Services Corporation","doc_count":3},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":3},{"key":"CNG FINANCIAL CORPORATION","doc_count":3},{"key":"Chime Financial Inc","doc_count":3},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":3},{"key":"Credit Control, LLC","doc_count":3},{"key":"Credit Corp Solutions Inc.","doc_count":3},{"key":"Credit Fresh Holdings Inc","doc_count":3},{"key":"FC HoldCo LLC","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":3},{"key":"FORD MOTOR CREDIT CO.","doc_count":3},{"key":"Global Lending Services LLC","doc_count":3},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":3},{"key":"LD Holdings Group, LLC","doc_count":3},{"key":"MoneyLion Inc.","doc_count":3},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":3},{"key":"RentDebt Automated Collections, LLC","doc_count":3},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":3},{"key":"Southwest Credit Systems, L.P.","doc_count":3},{"key":"Upstart Holdings, Inc.","doc_count":3},{"key":"Velocity Portfolio Group","doc_count":3},{"key":"1st Franklin Financial Corporation","doc_count":2},{"key":"ADIR INTERNATIONAL LLC","doc_count":2},{"key":"ALLIANT CREDIT UNION","doc_count":2},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":2},{"key":"Army and Air Force Exchange Service","doc_count":2},{"key":"Avant Holding Company, Inc.","doc_count":2},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":2},{"key":"BTH Management","doc_count":2},{"key":"Byrider Franchising, LLC","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":2},{"key":"CarMax, Inc.","doc_count":2},{"key":"Carvana Group, LLC","doc_count":2},{"key":"Checkr, Inc","doc_count":2},{"key":"Colony Brands, Inc.","doc_count":2},{"key":"Conn's, Inc.","doc_count":2},{"key":"Consumer Adjustment Company Incorporated","doc_count":2},{"key":"Consumer Portfolio Services, Inc.","doc_count":2},{"key":"Continental Finance Company, LLC","doc_count":2},{"key":"Credit Systems International, Inc.","doc_count":2},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":2},{"key":"DigniFi","doc_count":2},{"key":"Diversified Adjustment Service, Inc.","doc_count":2},{"key":"FISERV FINXACT CORE","doc_count":2},{"key":"Financial Management Solutions, LLC","doc_count":2},{"key":"Freedom Mortgage Company","doc_count":2},{"key":"Granite Edvance Corporation","doc_count":2},{"key":"Harvard Collections, LLC","doc_count":2},{"key":"HireRight Solutions, Inc.","doc_count":2},{"key":"LCI Acquisition Inc.","doc_count":2},{"key":"LJ Ross Associates","doc_count":2},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":2},{"key":"MEI AUTO FINANCE INC","doc_count":2},{"key":"Malen & Associates, p.c.","doc_count":2},{"key":"Medical-Commercial Audit Inc","doc_count":2},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":2},{"key":"Mr. Cooper Group Inc.","doc_count":2},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":2},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":2},{"key":"Omega RMS, LLC","doc_count":2},{"key":"Rent Recovery Solutions","doc_count":2},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":2},{"key":"Scott Fetzer Financial Group Inc.","doc_count":2},{"key":"Selene Holdings LLC","doc_count":2},{"key":"Sequium Asset Solutions, LLC","doc_count":2},{"key":"Source Receivables Management LLC","doc_count":2},{"key":"Southwest Recovery Services, Inc.","doc_count":2},{"key":"Synovus Bank","doc_count":2},{"key":"The CBE Group, Inc.","doc_count":2},{"key":"Top Asset Solutions, LLC","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"Westcreek Financial","doc_count":2},{"key":"Williams & Fudge, Inc","doc_count":2},{"key":"World Omni Financial Corp.","doc_count":2},{"key":"2288984 Ontario Inc.","doc_count":1},{"key":"4M Collections, LLC","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"AUTOMOBILE ACCEPTANCE CORPORATION","doc_count":1},{"key":"AUTOMOTIVE CREDIT CORPORATION","doc_count":1},{"key":"AVANTE","doc_count":1},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"Above Lending, Inc.","doc_count":1},{"key":"Absolute Resolutions Corp.","doc_count":1},{"key":"Activehours","doc_count":1},{"key":"Adler Wallach & Associates, Inc.","doc_count":1},{"key":"Aldous & Associates, PLLC","doc_count":1},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"American Lending LLC","doc_count":1},{"key":"American Profit Recovery, Inc., Marlborough, MA Branch","doc_count":1},{"key":"Americas Car-Mart, Inc.","doc_count":1},{"key":"Andreu, Palma & Andreu, PL","doc_count":1},{"key":"Apelles, LLC","doc_count":1},{"key":"Applied Data Finance, LLC","doc_count":1},{"key":"Asset Recovery Bureau LLC","doc_count":1},{"key":"Auto Advantage Finance, LLC","doc_count":1},{"key":"BLINCLOANS, INC.","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"BROKER SOLUTIONS, INC.","doc_count":1},{"key":"BetterNOI, LLC","doc_count":1},{"key":"Bliksum, LLC","doc_count":1},{"key":"Blitt and Gaines, P.C.","doc_count":1},{"key":"Block, Inc.","doc_count":1},{"key":"Bounce AI, Inc.","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"Bull City Financial Solutions, Inc","doc_count":1},{"key":"CARVANT FINANCIAL LLC","doc_count":1},{"key":"CIG FINANCIAL LLC","doc_count":1},{"key":"COLLECTIONS UNLIMITED OF TEXAS INC","doc_count":1},{"key":"COMMERCE BANK","doc_count":1},{"key":"CONGRESS COLLECTION CORP","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Cedars Business Services, LLC","doc_count":1},{"key":"Climb Credit Inc.","doc_count":1},{"key":"Collection Management Holdings, LLC","doc_count":1},{"key":"Commonwealth Financial Systems, Inc.","doc_count":1},{"key":"Contemporary Information Corp","doc_count":1},{"key":"Convergent Resources, Inc.","doc_count":1},{"key":"Cornerstone Holdings, Inc.","doc_count":1},{"key":"Credit Karma, LLC","doc_count":1},{"key":"Data Search NY, Inc.","doc_count":1},{"key":"Deinde Online Services, LLC","doc_count":1},{"key":"DriveTime","doc_count":1},{"key":"EA Holdings Corp.","doc_count":1},{"key":"EASTERN BANKSHARES INC","doc_count":1},{"key":"EDvantage LLC","doc_count":1},{"key":"ERC","doc_count":1},{"key":"EXCEL FINANCE COMPANY","doc_count":1},{"key":"Eastern Revenue, Inc.","doc_count":1},{"key":"Elevate Recoveries, LLC","doc_count":1},{"key":"FCC Finance, LLC","doc_count":1},{"key":"FEDChex Recovery, LLC","doc_count":1},{"key":"FIRST ADVANTAGE CORPORATION","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"FactorTrust, Inc.","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"FlexShopper, Inc","doc_count":1},{"key":"Forster & Garbus LLP","doc_count":1},{"key":"French Financial, Inc.","doc_count":1},{"key":"Frontline Asset Strategies, LLC","doc_count":1},{"key":"GLENN ASSOCIATES MID-ATLANTIC, INC","doc_count":1},{"key":"Garrison Investment Group","doc_count":1},{"key":"Global Asset Agency, Inc.","doc_count":1},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":1},{"key":"Harley Davidson Financial Services Inc","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"International Computer Systems, Inc.","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"J J Marshall & Associates, Inc","doc_count":1},{"key":"JDJ Investments, INC.","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"Jon Barry and Associates, Inc.","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Kimball, Tirey & St. John LLP","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Kovo","doc_count":1},{"key":"Law Offices of Robert J. Colclough, III","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"Lending Club Corp","doc_count":1},{"key":"Lincoln Educational Services Corporation","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"Lugano Capital, Inc. d/b/a Start Auto Finance","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"M.A.R.S., Inc.","doc_count":1},{"key":"MARINER FINANCE, LLC","doc_count":1},{"key":"MECHANICS BANK","doc_count":1},{"key":"MIB Group, Inc.","doc_count":1},{"key":"Mandarich Law Group, LLP","doc_count":1},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":1},{"key":"Medical Data Systems, Inc.","doc_count":1},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"Mezcal Corporation","doc_count":1},{"key":"Mid-Atlantic Finance Co., Inc.","doc_count":1},{"key":"Model Finance Company","doc_count":1},{"key":"NEW CITY FUNDING CORP.","doc_count":1},{"key":"National Collection Systems, Inc.","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"Olympus1 LLC","doc_count":1},{"key":"Orion Capital Solutions LLC","doc_count":1},{"key":"Overland Bond & Investment Corporation","doc_count":1},{"key":"PREFERRED CREDIT INC","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"RFNA, LP","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"Revco Management, LLC","doc_count":1},{"key":"Rhode Island Housing and Mortgage Finance Corporation","doc_count":1},{"key":"Robinson & Hoover","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SIMMONS FIRST NATIONAL CORPORATION","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Sensible Auto Lending, LLC","doc_count":1},{"key":"Social Finance, Inc.","doc_count":1},{"key":"Solar Mosaic LLC","doc_count":1},{"key":"Southern Management Systems Inc.","doc_count":1},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":1},{"key":"Starmark Financial LLC","doc_count":1},{"key":"Synergetic Communication Inc","doc_count":1},{"key":"TRUSTMARK CORPORATION","doc_count":1},{"key":"Telerecovery Corporation","doc_count":1},{"key":"Thaxton Investment Corporation","doc_count":1},{"key":"The Best Service Co.,Inc","doc_count":1},{"key":"The Law Offices of Jennifer McCoy, PC","doc_count":1},{"key":"The Receivable Management Services LLC","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"UNIVERSAL ACCEPTANCE CORPORATION (NE)","doc_count":1},{"key":"USCB Corporation","doc_count":1},{"key":"United Collection Bureau, Inc.","doc_count":1},{"key":"United PanAm Financial Corp.","doc_count":1},{"key":"United Revenue Corporation","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"V and H Portfolio","doc_count":1},{"key":"VW Credit","doc_count":1},{"key":"Verisk Analytics Inc","doc_count":1},{"key":"Veros Credit, LLC","doc_count":1},{"key":"Viva Finance Inc.","doc_count":1},{"key":"WHEELS FINANCIAL GROUP, LLC.","doc_count":1},{"key":"Wallace Management Company, LLC","doc_count":1},{"key":"William D. Meeker Enterprises, Inc.","doc_count":1},{"key":"Zarzaur and Schwartz, PC","doc_count":1}]}},"state":{"doc_count":13982,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":1981},{"key":"TX","doc_count":1882},{"key":"CA","doc_count":1342},{"key":"GA","doc_count":1252},{"key":"IL","doc_count":887},{"key":"NY","doc_count":743},{"key":"AZ","doc_count":596},{"key":"PA","doc_count":471},{"key":"NC","doc_count":400},{"key":"MI","doc_count":387},{"key":"VA","doc_count":343},{"key":"NJ","doc_count":337},{"key":"MD","doc_count":312},{"key":"OH","doc_count":291},{"key":"SC","doc_count":263},{"key":"MA","doc_count":259},{"key":"LA","doc_count":257},{"key":"MO","doc_count":251},{"key":"NV","doc_count":165},{"key":"TN","doc_count":162},{"key":"AL","doc_count":156},{"key":"IN","doc_count":138},{"key":"AR","doc_count":109},{"key":"WA","doc_count":106},{"key":"MS","doc_count":100},{"key":"MN","doc_count":94},{"key":"WI","doc_count":83},{"key":"CT","doc_count":67},{"key":"CO","doc_count":63},{"key":"DE","doc_count":58},{"key":"OK","doc_count":53},{"key":"KY","doc_count":48},{"key":"DC","doc_count":44},{"key":"UT","doc_count":43},{"key":"NM","doc_count":36},{"key":"IA","doc_count":33},{"key":"OR","doc_count":23},{"key":"RI","doc_count":23},{"key":"NE","doc_count":20},{"key":"PR","doc_count":20},{"key":"HI","doc_count":19},{"key":"KS","doc_count":17},{"key":"MT","doc_count":11},{"key":"NH","doc_count":10},{"key":"ID","doc_count":6},{"key":"ME","doc_count":6},{"key":"AK","doc_count":4},{"key":"ND","doc_count":2},{"key":"AE","doc_count":1},{"key":"AP","doc_count":1},{"key":"VT","doc_count":1}]}},"company_public_response":{"doc_count":13982,"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":8272},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":116},{"key":"Company disputes the facts presented in the complaint","doc_count":13},{"key":"Company chooses not to provide a public response","doc_count":4},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":3},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":1}]}},"tags":{"doc_count":13982,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":684},{"key":"Older American, Servicemember","doc_count":104},{"key":"Older American","doc_count":74}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.500406,"6071601"],"3":[15.064693,"13602434"],"4":[14.879694,"11822924"],"5":[14.786663,"11540632"],"6":[14.755026,"11423534"],"7":[14.693317,"14936515"],"8":[14.655653,"11927901"]}}}