{"took":110,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4255,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18689457","_score":14.600317,"_source":{"product":"Debt collection","complaint_what_happened":"Jefferson Capital is reporting this false and inaccurate misleading information on my credit report and it's sickening this account has been closed for 2 years and they are saying I opened this account on XXXX of last year which is untrue.","date_sent_to_company":"2026-01-13T18:55:08.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"136XX","tags":null,"has_narrative":true,"complaint_id":"18689457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-01-13T18:27:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Jefferson Capital is <em>reporting</em> this false and <em>inaccurate</em> <em>misleading</em> information on my credit <em>report</em> and it's sickening this account has been closed for 2 years and they are saying I <em>opened</em> this account on XXXX of <em>last</em> year which is untrue."]},"sort":[14.600317,"18689457"]},{"_index":"complaint-public-v1","_id":"17392014","_score":14.571683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting to formally dispute the inaccurate reporting of the account XXXX XXXXXXXX XXXX on my credit report. Upon careful review, I have identified multiple discrepancies across TransUnion, Experian, and Equifax that misrepresent the accounts true status, balance, and activity history. On TransUnion, the account is listed with a balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. On Equifax, it is reported with the same balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. On Experian, the account shows a balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. These conflicting dates and reporting details are inaccurate, misleading, and fail to provide a truthful representation of my credit history.","date_sent_to_company":"2025-11-20T08:58:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08081","tags":null,"has_narrative":true,"complaint_id":"17392014","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-20T08:55:26.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On Equifax, it is <em>reported</em> with the same balance of {$120000.00}, a date of <em>last</em> activity of XX/XX/XXXX, and a date <em>opened</em> of XX/XX/XXXX. On Experian, the account shows a balance of {$120000.00}, a date of <em>last</em> activity of XX/XX/XXXX, and a date <em>opened</em> of XX/XX/XXXX. These conflicting dates and <em>reporting</em> details are <em>inaccurate</em>, <em>misleading</em>, and fail to provide a truthful representation of my credit history."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.571683,"17392014"]},{"_index":"complaint-public-v1","_id":"17392605","_score":14.564877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting to formally dispute the inaccurate reporting of the account XXXX XXXXXXXX XXXX on my credit report. Upon careful review, I have identified multiple discrepancies across TransUnion, Experian, and Equifax that misrepresent the accounts true status, balance, and activity history. On TransUnion, the account is listed with a balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. On Equifax, it is reported with the same balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. On Experian, the account shows a balance of {$120000.00}, a date of last activity of XX/XX/XXXX, and a date opened of XX/XX/XXXX. These conflicting dates and reporting details are inaccurate, misleading, and fail to provide a truthful representation of my credit history.","date_sent_to_company":"2025-11-20T08:58:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08081","tags":null,"has_narrative":true,"complaint_id":"17392605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-20T08:58:37.000Z","state":"NJ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On Equifax, it is <em>reported</em> with the same balance of {$120000.00}, a date of <em>last</em> activity of XX/XX/XXXX, and a date <em>opened</em> of XX/XX/XXXX. On Experian, the account shows a balance of {$120000.00}, a date of <em>last</em> activity of XX/XX/XXXX, and a date <em>opened</em> of XX/XX/XXXX. These conflicting dates and <em>reporting</em> details are <em>inaccurate</em>, <em>misleading</em>, and fail to provide a truthful representation of my credit history."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.564877,"17392605"]},{"_index":"complaint-public-v1","_id":"3648972","_score":14.473901,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. \n\nI ask that XXXX  be removed from my credit report entirely. \n\nBelow is details based off report : : : Creditor : XXXX  appears on my credit report 10 times. \n\nDate Last Active and Date Last Payment : showing different years and dates. \n\nDate Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, XXXX is showing nothing, Experian is showing Charge-Off. Information is not showing accurately. \n\nLast Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.","date_sent_to_company":"2020-05-12T22:04:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90057","tags":null,"has_narrative":true,"complaint_id":"3648972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-12T22:04:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["The information showing is <em>inaccurate</em> and <em>misleading</em>. This <em>inaccurate</em> and <em>misleading</em> information is causing me severe harm. \n\nI ask that XXXX  be removed from my credit <em>report</em> entirely. \n\nBelow is details based off <em>report</em> : : : Creditor : XXXX  appears on my credit <em>report</em> 10 times. \n\nDate <em>Last</em> Active and Date <em>Last</em> Payment : showing different years and dates."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.473901,"3648972"]},{"_index":"complaint-public-v1","_id":"3648975","_score":14.473739,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. \n\nI ask that XXXX be removed from my credit report entirely. \n\nBelow is details based off report : : : Creditor : XXXX appears on my credit report 10 times. \n\nDate Last Active and Date Last Payment : showing different years and dates. \n\nDate Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, Trans-Union is showing nothing, XXXX  is showing Charge-Off. Information is not showing accurately. \n\nLast Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.","date_sent_to_company":"2020-05-12T22:04:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90057","tags":null,"has_narrative":true,"complaint_id":"3648975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-12T22:04:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["The information showing is <em>inaccurate</em> and <em>misleading</em>. This <em>inaccurate</em> and <em>misleading</em> information is causing me severe harm. \n\nI ask that XXXX be removed from my credit <em>report</em> entirely. \n\nBelow is details based off <em>report</em> : : : Creditor : XXXX appears on my credit <em>report</em> 10 times. \n\nDate <em>Last</em> Active and Date <em>Last</em> Payment : showing different years and dates."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.473739,"3648975"]},{"_index":"complaint-public-v1","_id":"15255803","_score":14.461505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX inaccurately reports an account ( opened XX/XX/XXXX ) as charged off with a {$280.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated XX/XX/XXXX, but continues to show {$280.00} past due as of XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ).\n\nThe statute of limitations on this debt expires XXXX yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate report, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. \nAccount Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$280.00}","date_sent_to_company":"2025-08-13T21:38:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"703XX","tags":null,"has_narrative":true,"complaint_id":"15255803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-13T21:37:52.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>inaccurately</em> <em>reports</em> an account ( <em>opened</em> XX/XX/XXXX ) as charged off with a {$280.00} balance, even though my <em>last</em> payment was XX/XX/XXXX and the account was written off. The account status was updated XX/XX/XXXX, but continues to show {$280.00} past due as of XXXX. This repeated <em>reporting</em> is <em>misleading</em>, harms my credit, and may violate the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.461505,"15255803"]},{"_index":"complaint-public-v1","_id":"4466825","_score":14.354892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.","date_sent_to_company":"2021-06-16T04:25:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"4466825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-06-16T04:25:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit bureaus have furnished and <em>reported</em> an <em>inaccurate</em> account on my credit <em>report</em> by XXXX. I have sent multiple letters regarding the violations on my <em>report</em> keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation <em>misleading</em> false <em>reporting</em> the <em>last</em> payment date, the balance, the <em>reporting</em> date, <em>last</em> active and date <em>opened</em> are all incorrect and not the same."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.354892,"4466825"]},{"_index":"complaint-public-v1","_id":"4466776","_score":14.354892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.","date_sent_to_company":"2021-06-16T04:25:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"4466776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-06-16T03:57:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit bureaus have furnished and <em>reported</em> an <em>inaccurate</em> account on my credit <em>report</em> by XXXX. I have sent multiple letters regarding the violations on my <em>report</em> keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation <em>misleading</em> false <em>reporting</em> the <em>last</em> payment date, the balance, the <em>reporting</em> date, <em>last</em> active and date <em>opened</em> are all incorrect and not the same."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.354892,"4466776"]},{"_index":"complaint-public-v1","_id":"4466829","_score":14.351197,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.","date_sent_to_company":"2021-06-16T04:25:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90250","tags":null,"has_narrative":true,"complaint_id":"4466829","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-06-16T04:25:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit bureaus have furnished and <em>reported</em> an <em>inaccurate</em> account on my credit <em>report</em> by XXXX. I have sent multiple letters regarding the violations on my <em>report</em> keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation <em>misleading</em> false <em>reporting</em> the <em>last</em> payment date, the balance, the <em>reporting</em> date, <em>last</em> active and date <em>opened</em> are all incorrect and not the same."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.351197,"4466829"]},{"_index":"complaint-public-v1","_id":"15255808","_score":14.243846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX is inaccurately reporting my account ( opened XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ). \nThe statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate reporting, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. \nAccount Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$910.00}","date_sent_to_company":"2025-08-13T21:30:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"703XX","tags":null,"has_narrative":true,"complaint_id":"15255808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T21:30:18.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX is <em>inaccurately</em> <em>reporting</em> my account ( <em>opened</em> XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my <em>last</em> payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated <em>reporting</em> is <em>misleading</em>, harms my credit, and may violate the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.243846,"15255808"]},{"_index":"complaint-public-v1","_id":"15255807","_score":14.243846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX is inaccurately reporting my account ( opened XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ). \nThe statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate reporting, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. \nAccount Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$910.00}","date_sent_to_company":"2025-08-13T21:30:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"703XX","tags":null,"has_narrative":true,"complaint_id":"15255807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-13T21:30:18.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX is <em>inaccurately</em> <em>reporting</em> my account ( <em>opened</em> XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my <em>last</em> payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated <em>reporting</em> is <em>misleading</em>, harms my credit, and may violate the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.243846,"15255807"]},{"_index":"complaint-public-v1","_id":"15255809","_score":14.232029,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX is inaccurately reporting my account ( opened XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ). \nThe statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate reporting, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. \nAccount Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$910.00}","date_sent_to_company":"2025-08-13T21:30:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"703XX","tags":null,"has_narrative":true,"complaint_id":"15255809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-13T21:30:18.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX is <em>inaccurately</em> <em>reporting</em> my account ( <em>opened</em> XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my <em>last</em> payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated <em>reporting</em> is <em>misleading</em>, harms my credit, and may violate the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.232029,"15255809"]},{"_index":"complaint-public-v1","_id":"15255804","_score":14.232029,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX inaccurately reports an account ( opened XX/XX/XXXX ) as charged off with a {$280.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated XX/XX/XXXX, but continues to show {$280.00} past due as of XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ).\n\nThe statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate report, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. \nAccount Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$280.00}","date_sent_to_company":"2025-08-13T21:38:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"703XX","tags":null,"has_narrative":true,"complaint_id":"15255804","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T21:37:52.000Z","state":"LA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>inaccurately</em> <em>reports</em> an account ( <em>opened</em> XX/XX/XXXX ) as charged off with a {$280.00} balance, even though my <em>last</em> payment was XX/XX/XXXX and the account was written off. The account status was updated XX/XX/XXXX, but continues to show {$280.00} past due as of XXXX. This repeated <em>reporting</em> is <em>misleading</em>, harms my credit, and may violate the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.232029,"15255804"]},{"_index":"complaint-public-v1","_id":"7182189","_score":14.226102,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been disputing SELF/LEAD ACCOUNT for over a year. I have been disputing inaccurate information and telling the credit bureaus that the information is inaccurate and misleading. My credit score has dropped XXXX point since this account is mishandling my credit report. I have tried over a year or so to contact the company and resolve this issue. I have also sent this company emails which they never respond. Also this account has been in violation of re-aging, all XXXX credit bureaus are reporting different and inaccurate dates as date opened, date of last active, date of last activity, date of last reported, payment status and payment history.","date_sent_to_company":"2023-06-29T00:17:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"72120","tags":null,"has_narrative":true,"complaint_id":"7182189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2023-06-29T00:00:17.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Also this account has been in violation of re-aging, all XXXX credit bureaus are <em>reporting</em> different and <em>inaccurate</em> dates as date <em>opened</em>, date of <em>last</em> active, date of <em>last</em> activity, date of <em>last</em> <em>reported</em>, payment status and payment history."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.226102,"7182189"]},{"_index":"complaint-public-v1","_id":"9358031","_score":14.206428,"_source":{"product":"Debt collection","complaint_what_happened":"This account is misleading.. false reporting, I have sent two rounds of disputes ( XXXX XXXX, & XXXX ). The date open & reported is incorrect as well as the date of last activity. My credit report contains inaccurate information, and I am seeking litigation.","date_sent_to_company":"2024-06-28T01:39:22.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"77327","tags":null,"has_narrative":true,"complaint_id":"9358031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2024-06-28T01:18:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This account is <em>misleading</em>.. false <em>reporting</em>, I have sent two rounds of disputes ( XXXX XXXX, & XXXX ). The date <em>open</em> & <em>reported</em> is incorrect as well as the date of <em>last</em> activity. My credit <em>report</em> contains <em>inaccurate</em> information, and I am seeking litigation."]},"sort":[14.206428,"9358031"]},{"_index":"complaint-public-v1","_id":"6805029","_score":14.108017,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.","date_sent_to_company":"2023-04-06T15:36:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23453","tags":null,"has_narrative":true,"complaint_id":"6805029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-06T15:35:56.000Z","state":"VA","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":["You are <em>reporting</em> <em>inaccurate</em> and <em>misleading</em> informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of <em>last</em> activity and date <em>opened</em> are all <em>inaccurate</em> which is breaking the law."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.108017,"6805029"]},{"_index":"complaint-public-v1","_id":"6806653","_score":14.10341,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.","date_sent_to_company":"2023-05-09T16:22:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23453","tags":null,"has_narrative":true,"complaint_id":"6806653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-04-06T15:21:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["You are <em>reporting</em> <em>inaccurate</em> and <em>misleading</em> informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of <em>last</em> activity and date <em>opened</em> are all <em>inaccurate</em> which is breaking the law."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.10341,"6806653"]},{"_index":"complaint-public-v1","_id":"6805018","_score":14.097993,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.","date_sent_to_company":"2023-04-06T15:36:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23453","tags":null,"has_narrative":true,"complaint_id":"6805018","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-06T15:35:56.000Z","state":"VA","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":["You are <em>reporting</em> <em>inaccurate</em> and <em>misleading</em> informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of <em>last</em> activity and date <em>opened</em> are all <em>inaccurate</em> which is breaking the law."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.097993,"6805018"]},{"_index":"complaint-public-v1","_id":"7893716","_score":14.051164,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to many inaccuracies. \nXXXX  XXXX XXXX - Account # : XXXX  XXXX  XXXX - Account # : XXXX  XXXX XXXX XXXX - Account # XXXX  XXXX XXXX : XXXX  All of these account are reporting a lot of inaccuracies Account Number XXXX  The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times 30/60/90 Days Late is reporting inaccurate/ misleading -Month 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.","date_sent_to_company":"2023-11-22T18:05:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33014","tags":null,"has_narrative":true,"complaint_id":"7893716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-22T17:33:11.000Z","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  XXXX  XXXX - Account # : XXXX  XXXX XXXX XXXX - Account # XXXX  XXXX XXXX : XXXX  All of these account are <em>reporting</em> a lot of inaccuracies Account Number XXXX  The following is <em>reporting</em> <em>inaccurate</em> on my credit <em>report</em> with these accounts listed above -Account Status is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Open</em> Date is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Last</em> Activity is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Type is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Responsibility is <em>reporting</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.051164,"7893716"]},{"_index":"complaint-public-v1","_id":"6448533","_score":14.0240345,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.","date_sent_to_company":"2023-01-17T12:06:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75089","tags":"Servicemember","has_narrative":true,"complaint_id":"6448533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-17T11:55:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You cant <em>report</em> this account as <em>OPEN</em> nor a past due balance. <em>Inaccurate</em> information. Failing that the item must be deleted from the <em>report</em> as soon as possible. The listed item is entirely <em>inaccurate</em> and incomplete and as such represents a very serious error in your <em>reporting</em>. Please delete this <em>misleading</em> information and supply a corrected credit profile to all creditors who have received a copy within the <em>last</em> XXXX months or the <em>last</em> XXXX years for employment purposes."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.0240345,"6448533"]},{"_index":"complaint-public-v1","_id":"7893746","_score":14.02213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX XXXX  XXXX - Account # : XXXXXXXX XXXX XXXX XXXX - Account # XXXX  XXXX XXXX  : XXXX  All of these account are reporting a lot of inaccuracies The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times 30/60/90 Days Late is reporting inaccurate/ misleading XXXXMonth 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.","date_sent_to_company":"2023-11-22T18:12:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33014","tags":null,"has_narrative":true,"complaint_id":"7893746","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-22T18:06:35.000Z","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 XXXX  XXXX - Account # : XXXXXXXX XXXX XXXX XXXX - Account # XXXX  XXXX XXXX  : XXXX  All of these account are <em>reporting</em> a lot of inaccuracies The following is <em>reporting</em> <em>inaccurate</em> on my credit <em>report</em> with these accounts listed above -Account Status is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Open</em> Date is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Last</em> Activity is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Type is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Responsibility is <em>reporting</em> <em>inaccurate</em>/"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.02213,"7893746"]},{"_index":"complaint-public-v1","_id":"7891748","_score":14.02213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to too many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX, XXXXXXXX XXXX : XXXX. All of these account are reporting a lot of inaccuracies Account Number XXXX The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times XXXX Days Late is reporting inaccurate/ misleading -Month 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.","date_sent_to_company":"2023-11-22T18:19:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33014","tags":null,"has_narrative":true,"complaint_id":"7891748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-22T18:13:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of these account are <em>reporting</em> a lot of inaccuracies Account Number XXXX The following is <em>reporting</em> <em>inaccurate</em> on my credit <em>report</em> with these accounts listed above -Account Status is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Open</em> Date is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Last</em> Activity is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Type is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Responsibility is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Remarks is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Times XXXX Days Late is <em>reporting</em> <em>inaccurate</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.02213,"7891748"]},{"_index":"complaint-public-v1","_id":"6445879","_score":14.021826,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.","date_sent_to_company":"2023-01-17T12:06:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75089","tags":"Servicemember","has_narrative":true,"complaint_id":"6445879","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2023-01-17T12:06:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You cant <em>report</em> this account as <em>OPEN</em> nor a past due balance. <em>Inaccurate</em> information. Failing that the item must be deleted from the <em>report</em> as soon as possible. The listed item is entirely <em>inaccurate</em> and incomplete and as such represents a very serious error in your <em>reporting</em>. Please delete this <em>misleading</em> information and supply a corrected credit profile to all creditors who have received a copy within the <em>last</em> XXXX months or the <em>last</em> XXXX years for employment purposes."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.021826,"6445879"]},{"_index":"complaint-public-v1","_id":"6449541","_score":14.004349,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.","date_sent_to_company":"2023-01-17T12:12:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75089","tags":"Servicemember","has_narrative":true,"complaint_id":"6449541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-17T12:12:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You cant <em>report</em> this account as <em>OPEN</em> nor a past due balance. <em>Inaccurate</em> information. Failing that the item must be deleted from the <em>report</em> as soon as possible. The listed item is entirely <em>inaccurate</em> and incomplete and as such represents a very serious error in your <em>reporting</em>. Please delete this <em>misleading</em> information and supply a corrected credit profile to all creditors who have received a copy within the <em>last</em> XXXX months or the <em>last</em> XXXX years for employment purposes."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.004349,"6449541"]},{"_index":"complaint-public-v1","_id":"18681439","_score":13.979232,"_source":{"product":"Student loan","complaint_what_happened":"Account : XXXXXXXX XXXX XXXX XXXX XXXX  I am filing this complaint regarding the U.S. Department of Education and its loan servicers for furnishing materially inaccurate and misleading student loan data to XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ). \n\nThis account is being reported with a plethora of inaccuracies involving : Date opened Number of months ( terms ) Date last reported Date last active Date of last payment These data points do not match across the credit bureaus and can not all be simultaneously accurate. This constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ).\n\nI have formally disputed this account with all three credit bureaus. If the Department of Education or its servicers can not produce original account-level documentation verifying each of the above data fields, the account is legally inaccurate and must be deleted.\n\nUnder 15 U.S.C. 1681s-2 ( a ), furnishers may not provide information they know or should know is inaccurate or misleading. Reporting inconsistent dates and loan terms is inherently misleading and violates federal law. \n\nI am requesting that the CFPB require the Department of Education to : Provide documentary proof validating all reported dates and terms Correct or delete all inaccurate credit reporting Cease furnishing unverifiable data to consumer reporting agencies","date_sent_to_company":"2026-01-13T15:26:14.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"40219","tags":null,"has_narrative":true,"complaint_id":"18681439","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2026-01-13T15:11:35.000Z","state":"KY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Department of Education and its loan servicers for furnishing materially <em>inaccurate</em> and <em>misleading</em> student loan data to XXXX XXXX XXXX XXXX in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nThis account is being <em>reported</em> with a plethora of inaccuracies involving : Date <em>opened</em> Number of months ( terms ) Date <em>last</em> <em>reported</em> Date <em>last</em> active Date of <em>last</em> payment These data points do not match across the credit bureaus and can not all be simultaneously accurate."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.979232,"18681439"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4255,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4255}]}},"product":{"doc_count":4255,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3137,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3126},{"key":"Other personal consumer report","doc_count":11}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":649,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":646},{"key":"Other personal consumer report","doc_count":2},{"key":"Credit repair services","doc_count":1}]}},{"key":"Debt collection","doc_count":374,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":190},{"key":"Credit card debt","doc_count":95},{"key":"Other debt","doc_count":26},{"key":"Auto debt","doc_count":25},{"key":"Rental debt","doc_count":14},{"key":"Telecommunications debt","doc_count":14},{"key":"Medical debt","doc_count":5},{"key":"Private student loan debt","doc_count":3},{"key":"Federal student loan debt","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":28},{"key":"Lease","doc_count":2}]}},{"key":"Credit card","doc_count":29,"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":23},{"key":"Store credit card","doc_count":5}]}},{"key":"Student loan","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":7},{"key":"Private student loan","doc_count":3}]}},{"key":"Mortgage","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":4},{"key":"FHA mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Credit reporting","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":3},{"key":"Payday loan","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":2,"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":2}]}},{"key":"Debt or credit management","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":1},{"key":"Debt settlement","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":"International money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose prepaid card","doc_count":1}]}}]}},"issue":{"doc_count":4255,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1366,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":701},{"key":"Account status incorrect","doc_count":329},{"key":"Information belongs to someone else","doc_count":246},{"key":"Old information reappears or never goes away","doc_count":40},{"key":"Public record information inaccurate","doc_count":18},{"key":"Information is missing that should be on the report","doc_count":16},{"key":"Personal information incorrect","doc_count":15},{"key":"Information that should be on the report is missing","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1342,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1325},{"key":"Credit inquiries on your report that you don't recognize","doc_count":16},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":919,"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":721},{"key":"Investigation took more than 30 days","doc_count":103},{"key":"Was not notified of investigation status or results","doc_count":68},{"key":"Problem with personal statement of dispute","doc_count":16},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":11}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":155,"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":80},{"key":"Investigation took more than 30 days","doc_count":49},{"key":"Was not notified of investigation status or results","doc_count":19},{"key":"Problem with personal statement of dispute","doc_count":6},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":123,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":85},{"key":"Debt was result of identity theft","doc_count":26},{"key":"Debt was paid","doc_count":9},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":3}]}},{"key":"False statements or representation","doc_count":112,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":106},{"key":"Indicated you were committing crime by not paying debt","doc_count":4},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":2}]}},{"key":"Written notification about debt","doc_count":101,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":61},{"key":"Didn't receive enough information to verify debt","doc_count":39},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":27,"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":18},{"key":"Threatened to sue you for very old debt","doc_count":4},{"key":"Sued you without properly notifying you of lawsuit","doc_count":3},{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Seized or attempted to seize your property","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":19,"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":19}]}},{"key":"Repossession","doc_count":13,"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":5},{"key":"Lender trying to repossess or disable the vehicle","doc_count":3},{"key":"Deficiency balance after repossession","doc_count":2},{"key":"Voluntary repossession","doc_count":2},{"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":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":4},{"key":"Problem with customer service","doc_count":2},{"key":"Trouble with how payments are being handled","doc_count":2}]}},{"key":"Communication tactics","doc_count":7,"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":2}]}},{"key":"Closing your 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":"Credit monitoring or identity theft protection services","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with product or service terms changing","doc_count":4},{"key":"Didn't receive services that were advertised","doc_count":1}]}},{"key":"Getting a credit card","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":2},{"key":"Card opened without my consent or knowledge","doc_count":1},{"key":"Problem getting a working replacement card","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":3},{"key":"Problem with fees charged","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on credit report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":3}]}},{"key":"Problem when making payments","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took too long","doc_count":2}]}},{"key":"Electronic communications","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Fees or interest","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1},{"key":"Problem with fees","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":1},{"key":"Confusing or misleading advertising or marketing","doc_count":1}]}},{"key":"Opening an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":2,"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":1},{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fees charged","doc_count":1}]}},{"key":"Trouble using your card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"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 an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Customer service / Customer relations","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Right to dispute notice not received","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"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":1}]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":4255,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4229},{"key":"No","doc_count":26}]}},"company_response":{"doc_count":4255,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2197},{"key":"Closed with non-monetary relief","doc_count":2045},{"key":"Closed with monetary relief","doc_count":7},{"key":"Untimely response","doc_count":6}]}},"submitted_via":{"doc_count":4255,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4255}]}},"company":{"doc_count":4255,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1243},{"key":"EQUIFAX, INC.","doc_count":1228},{"key":"Experian Information Solutions Inc.","doc_count":987},{"key":"Resurgent Capital Services L.P.","doc_count":50},{"key":"Portfolio Recovery Associates, LLC","doc_count":39},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":32},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":25},{"key":"DISCOVER BANK","doc_count":21},{"key":"Bread Financial Holdings, Inc.","doc_count":20},{"key":"CL Holdings LLC","doc_count":20},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":19},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":17},{"key":"CCS Financial Services, Inc.","doc_count":16},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":16},{"key":"CITIBANK, N.A.","doc_count":15},{"key":"WELLS FARGO & COMPANY","doc_count":15},{"key":"Self Financial Inc.","doc_count":12},{"key":"CBC Companies, Inc.","doc_count":11},{"key":"LEXISNEXIS","doc_count":10},{"key":"AMERICAN EXPRESS COMPANY","doc_count":9},{"key":"Kikoff Inc.","doc_count":9},{"key":"Kriya Capital, LLC","doc_count":9},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":9},{"key":"National Credit Systems,Inc.","doc_count":9},{"key":"Affirm Holdings, Inc","doc_count":8},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":8},{"key":"BARCLAYS BANK DELAWARE","doc_count":7},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":7},{"key":"SYNCHRONY FINANCIAL","doc_count":7},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":7},{"key":"Bridgecrest Acceptance Corporation","doc_count":6},{"key":"GOLDMAN SACHS BANK USA","doc_count":6},{"key":"I.C. System, Inc.","doc_count":6},{"key":"National Credit Adjusters, LLC","doc_count":6},{"key":"Nelnet, Inc.","doc_count":6},{"key":"ONLINE Information Services, Inc.","doc_count":6},{"key":"Security Credit Services, LLC","doc_count":6},{"key":"Spring Oaks Capital, LLC","doc_count":6},{"key":"CLGF Holdco 1, LLC","doc_count":5},{"key":"CarMax, Inc.","doc_count":5},{"key":"Early Warning Services, LLC","doc_count":5},{"key":"General Motors Financial Company, Inc.","doc_count":5},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":5},{"key":"Amsher Collection Services, Inc.","doc_count":4},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":4},{"key":"EdFinancial Services","doc_count":4},{"key":"Exeter Finance, LLC.","doc_count":4},{"key":"JPMORGAN CHASE & CO.","doc_count":4},{"key":"NCB Management Services Inc.","doc_count":4},{"key":"Oliphant United, Inc.","doc_count":4},{"key":"OneMain Finance Corporation","doc_count":4},{"key":"Southwest Credit Systems, L.P.","doc_count":4},{"key":"TD BANK US HOLDING COMPANY","doc_count":4},{"key":"TRANSWORLD SYSTEMS INC","doc_count":4},{"key":"Westlake Services, LLC","doc_count":4},{"key":"ACIMA CREDIT, LLC","doc_count":3},{"key":"Absolute Resolutions Corp.","doc_count":3},{"key":"Bull City Financial Solutions, Inc","doc_count":3},{"key":"FactorTrust, Inc.","doc_count":3},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":3},{"key":"Global Lending Services LLC","doc_count":3},{"key":"HW Holding, Inc","doc_count":3},{"key":"LJ Ross Associates","doc_count":3},{"key":"Maximus Federal Services, Inc.","doc_count":3},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":3},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":3},{"key":"Possible Financial Inc","doc_count":3},{"key":"ProCollect, Inc.","doc_count":3},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":3},{"key":"Source Receivables Management LLC","doc_count":3},{"key":"United PanAm Financial Corp.","doc_count":3},{"key":"VW Credit","doc_count":3},{"key":"Velocity Portfolio Group","doc_count":3},{"key":"American Credit Acceptance, LLC","doc_count":2},{"key":"Auto Trakk, LLC","doc_count":2},{"key":"Bounce AI, Inc.","doc_count":2},{"key":"CONTRACT CALLERS INC","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"Cedars Business Services, LLC","doc_count":2},{"key":"Commonwealth Financial Systems, Inc.","doc_count":2},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":2},{"key":"ERC","doc_count":2},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":2},{"key":"Franklin Collection Service, Inc.","doc_count":2},{"key":"Grant Mercantile Agency","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"ID Analytics, Inc.","doc_count":2},{"key":"MARINER FINANCE, LLC","doc_count":2},{"key":"MOHELA","doc_count":2},{"key":"Michael Wayne Investment","doc_count":2},{"key":"Millco Management","doc_count":2},{"key":"RFNA, LP","doc_count":2},{"key":"Radius Global Solutions LLC","doc_count":2},{"key":"Servicer under contract with Federal Student Aid","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"T.S. Holdings","doc_count":2},{"key":"Tilt Finance, Inc.","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"United Resource Systems, Inc","doc_count":2},{"key":"Upstart Holdings, Inc.","doc_count":2},{"key":"V and H Portfolio","doc_count":2},{"key":"Veros Credit, LLC","doc_count":2},{"key":"World Omni Financial Corp.","doc_count":2},{"key":"1803 Capital, LLC","doc_count":1},{"key":"A & O Recovery Solutions, LLC","doc_count":1},{"key":"ALCAR INC.","doc_count":1},{"key":"ALLIANT CREDIT UNION","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"AMERIS BANCORP","doc_count":1},{"key":"AMERISAVE MORTGAGE CORPORATION","doc_count":1},{"key":"ARC Management Group, LLC","doc_count":1},{"key":"ARVEST BANK GROUP, INC.","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"Absolute Recovery Services, LLC","doc_count":1},{"key":"Advance America, Cash Advance Centers, Inc.","doc_count":1},{"key":"Albuquerque Auto Outlet","doc_count":1},{"key":"All Debt Solutions Inc. dba: 1st Class Agency","doc_count":1},{"key":"AmeriCollect","doc_count":1},{"key":"American First Finance, Inc.","doc_count":1},{"key":"Americas Car-Mart, Inc.","doc_count":1},{"key":"Aqua Finance, Inc.","doc_count":1},{"key":"Armcon Corp","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Ava Finance, Inc","doc_count":1},{"key":"Avant Holding Company, Inc.","doc_count":1},{"key":"Axiom Acquisition Ventures, LLC","doc_count":1},{"key":"BRite Financial Services, Inc.","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"California Business Bureau, Inc.","doc_count":1},{"key":"Carter-Young, Inc.","doc_count":1},{"key":"CashRepublic Holdings, Inc.","doc_count":1},{"key":"Central Portfolio Control Inc.","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Collectibles Management Resources","doc_count":1},{"key":"Colony Brands, Inc.","doc_count":1},{"key":"Consumer Adjustment Company Incorporated","doc_count":1},{"key":"Continental Finance Company, LLC","doc_count":1},{"key":"Convergent Resources, Inc.","doc_count":1},{"key":"Credit Consulting Services, Inc.","doc_count":1},{"key":"Credit Control, LLC","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Credit Fresh Holdings Inc","doc_count":1},{"key":"Credit Systems International, Inc.","doc_count":1},{"key":"Debois, Inc.","doc_count":1},{"key":"Denefits LLC","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"EA Holdings Corp.","doc_count":1},{"key":"EGL US, LLC","doc_count":1},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FRESNO CREDIT BUREAU","doc_count":1},{"key":"FULTON FINANCIAL CORPORATION","doc_count":1},{"key":"Federated Student Loan Services","doc_count":1},{"key":"Fig Tech Inc.","doc_count":1},{"key":"Firstsource Business Process Services, LLC","doc_count":1},{"key":"Forest Recovery Services LLC","doc_count":1},{"key":"Fuel Capital Group","doc_count":1},{"key":"GOLD KEY CREDIT, INC.","doc_count":1},{"key":"GREENSKY OPERATIONS, LLC","doc_count":1},{"key":"Global Credit & Collection Corporation","doc_count":1},{"key":"Great American Finance Co","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"Happy Money, Inc.","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":1},{"key":"JLO Ventures LLC dba Car By U","doc_count":1},{"key":"John C. Heath, Attorney at Law, PLLC","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"Kashable LLC","doc_count":1},{"key":"Kimball, Tirey & St. John LLP","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"Medical-Commercial Audit Inc","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Midwest Fidelity Services, LLC","doc_count":1},{"key":"Mobiloans, LLC","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Monterey Financial Services LLC","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":1},{"key":"Opportunity Financial, LLC","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PINNACLE FINANCIAL PARTNERS, INC.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"Paramount Recovery Systems, L.P.","doc_count":1},{"key":"Park Hill Holdings","doc_count":1},{"key":"Perpay, Inc.","doc_count":1},{"key":"Porsche Financial Services, Inc.","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"Prosper Marketplace, Inc.","doc_count":1},{"key":"RAS LaVrar, LLC","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Reliant Capital Solutions, LLC","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":1},{"key":"SF VAGO, LLC","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"Schreiber Law LLC","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Simon's Agency, Inc.","doc_count":1},{"key":"Skopos Financial, LLC","doc_count":1},{"key":"Sparrow Financial, Inc.","doc_count":1},{"key":"Stratus Financial LLC","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":1},{"key":"Telerecovery Corporation","doc_count":1},{"key":"Tennessee Credit Management, Inc","doc_count":1},{"key":"The Bureaus, Inc.","doc_count":1},{"key":"The Law Offices of Mitchell D. Bluhm & Associates","doc_count":1},{"key":"Torres Credit Services, Inc.","doc_count":1},{"key":"Tower Loan of Mississippi, Inc.","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"Trident Asset Management, L.L.C.","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"UPGRADE, INC.","doc_count":1},{"key":"United Revenue Corporation","doc_count":1},{"key":"VELO LAW OFFICE","doc_count":1},{"key":"W&A Intermediate Co., LLC","doc_count":1},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":1},{"key":"Waypoint Resource Group, LLC","doc_count":1},{"key":"Williams & Fudge, Inc","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1},{"key":"Zions Debt Holdings","doc_count":1}]}},"state":{"doc_count":4255,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":552},{"key":"TX","doc_count":505},{"key":"GA","doc_count":403},{"key":"AZ","doc_count":384},{"key":"CA","doc_count":377},{"key":"NY","doc_count":207},{"key":"IL","doc_count":178},{"key":"MI","doc_count":154},{"key":"PA","doc_count":154},{"key":"NJ","doc_count":132},{"key":"MO","doc_count":124},{"key":"NC","doc_count":105},{"key":"MD","doc_count":96},{"key":"LA","doc_count":94},{"key":"VA","doc_count":93},{"key":"SC","doc_count":70},{"key":"MS","doc_count":66},{"key":"OH","doc_count":64},{"key":"MA","doc_count":61},{"key":"AR","doc_count":58},{"key":"AL","doc_count":53},{"key":"TN","doc_count":46},{"key":"NV","doc_count":45},{"key":"IN","doc_count":34},{"key":"WA","doc_count":30},{"key":"DC","doc_count":23},{"key":"CT","doc_count":22},{"key":"CO","doc_count":16},{"key":"DE","doc_count":13},{"key":"NH","doc_count":10},{"key":"NM","doc_count":10},{"key":"MN","doc_count":9},{"key":"WI","doc_count":9},{"key":"KY","doc_count":8},{"key":"NE","doc_count":8},{"key":"AK","doc_count":6},{"key":"UT","doc_count":6},{"key":"OK","doc_count":5},{"key":"RI","doc_count":5},{"key":"AE","doc_count":4},{"key":"ID","doc_count":3},{"key":"KS","doc_count":3},{"key":"OR","doc_count":3},{"key":"AS","doc_count":2},{"key":"HI","doc_count":2},{"key":"IA","doc_count":1},{"key":"PR","doc_count":1}]}},"company_public_response":{"doc_count":4255,"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":2349},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":65},{"key":"Company disputes the facts presented in the complaint","doc_count":11},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","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":4255,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":190},{"key":"Older American","doc_count":31},{"key":"Older American, Servicemember","doc_count":29}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[13.978863,"18681439"],"3":[13.67737,"18234599"],"4":[13.277612,"12764235"],"5":[13.070813,"9101469"],"6":[12.810889,"16062682"],"7":[12.665438,"19376224"],"8":[12.427305,"12872208"]}}}