{"took":1811,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3553,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9325521","_score":12.140296,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and MERCEDES BENZ FINANCIAL SERVICES of my decision to revoke the security interest previously granted to MERCEDES BENZ FINANCIAL SERVICES concerning the vehicle described below. This letter serves as an official notice of revocation in accordance with relevant state laws and the terms outlined in the original security agreement. \n\nVehicle Description : - Make and Model : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Revocation : XXXX. Breach of Contract : MERCEDES BENZ FINANCIAL has failed to adhere to the terms of our agreement, specifically concerning failure to provide proper notice of repossession and improper handling of the security interest. \n2. Violation of Rights : Actions taken by MERCEDES BENZ FINANCIAL SERVICES, such as [ specific violations ], have infringed upon my legal rights under the Uniform Commercial Code ( UCC ) and other applicable laws. \n3. Compliance with UCC : According to UCC 9-210, as a debtor, I am entitled to request an accounting and revoke the security interest if the terms of the contract are violated.\n\nLegal Basis : - UCC 9-210 : This provision allows a debtor to revoke the security interest and request an accounting if the secured party has not complied with the contractual obligations.\n\n- State Law Compliance : This revocation is made pursuant to the terms outlined in the original security agreement and in accordance with the relevant state laws governing such documents.\n\nConclusion : Please consider this letter as a formal complaint and demand for the revocation of the security interest held by MERCEDES BENZ FINANCIAL SERVICES. I trust that the CFPB will take the necessary steps to ensure compliance with the law and protect my consumer rights. \n\nShould you require any further information or documentation, please do not hesitate to contact me at XXXX. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-06-22T21:10:36.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"30305","tags":null,"has_narrative":true,"complaint_id":"9325521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2024-06-22T20:23:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["<em>Compliance</em> with UCC : According to UCC 9-210, as a debtor, I am entitled to request an <em>accounting</em> and revoke the <em>security</em> interest if the terms of the contract are violated.\n\nLegal Basis : - UCC 9-210 : This provision allows a debtor to revoke the <em>security</em> interest and request an <em>accounting</em> if the secured party has not complied with the contractual obligations."]},"sort":[12.140296,"9325521"]},{"_index":"complaint-public-v1","_id":"15018748","_score":12.126459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have the right to my privacy state this statute 15 U.S Code 1681 a Rule 9037 ensures sensitive personal information stays private in bankruptcy filings. It requires redacting Social Security numbers, financial account details, birth dates, and names of minors before documents are made public. Filing parties, not court clerks, are responsible for compliance.","date_sent_to_company":"2025-08-03T08:38:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93703","tags":"Older American","has_narrative":true,"complaint_id":"15018748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-03T08:28:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It requires redacting Social <em>Security</em> numbers, financial <em>account</em> details, birth dates, and names of minors before documents are <em>made</em> public. Filing parties, not court clerks, are responsible for <em>compliance</em>."]},"sort":[12.126459,"15018748"]},{"_index":"complaint-public-v1","_id":"2677417","_score":11.896223,"_source":{"product":"Debt collection","complaint_what_happened":"Security credit services has verified a debt unlawfully and they have listed the debt on my credit report. I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their compliance department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were made and for what, and any payments made to this account showing from the original creditor proving the amount is even correct. They refuse to follow the sate statutes and guidelines, AND companies that illegally run debt practices like Security Credit Services should be regulated and fined appropriately. I dispute this debt with this company and their unlawful actions validating the debt without the mandatory verification procedures. Please move forward with your investigation as i am also contacting a law firm to make a civil lawsuit against Security Credit Services.","date_sent_to_company":"2017-09-18T20:29:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"180XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2677417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2017-09-18T20:11:45.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their <em>compliance</em> department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were <em>made</em> and for what, and any payments <em>made</em> to this <em>account</em> showing from the original creditor proving the amount is even correct."],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[11.896223,"2677417"]},{"_index":"complaint-public-v1","_id":"7094557","_score":11.675233,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account XXXX XXXXXXXX Account XXXX XXXXXXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. \n\nI requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-09T13:51:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7094557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-09T13:42:05.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> XXXX XXXXXXXX <em>Account</em> XXXX XXXXXXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature."]},"sort":[11.675233,"7094557"]},{"_index":"complaint-public-v1","_id":"7092970","_score":11.658941,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. \n\nI requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-09T13:52:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7092970","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-09T13:52:02.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX <em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.658941,"7092970"]},{"_index":"complaint-public-v1","_id":"7092969","_score":11.658941,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. \n\nI requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-09T13:52:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7092969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-09T13:52:02.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX <em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.658941,"7092969"]},{"_index":"complaint-public-v1","_id":"7185133","_score":11.635509,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-07-01T20:24:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7185133","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-01T20:17:32.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, validation and reportability of this listing. Both DEPT OF ED / XXXX <em>accounts</em> have been paid in full and report should not be reporting on my <em>account</em> at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.635509,"7185133"]},{"_index":"complaint-public-v1","_id":"7184950","_score":11.635509,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX  accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-07-01T20:25:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7184950","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-01T20:25:00.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, validation and reportability of this listing. Both DEPT OF ED / XXXX  <em>accounts</em> have been paid in full and report should not be reporting on my <em>account</em> at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.635509,"7184950"]},{"_index":"complaint-public-v1","_id":"10240711","_score":11.589864,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this formal complaint against Comenity Bank concerning the closure of my AAA credit card account and the banks refusal to reopen it, despite my compliance with their security procedures. \n\nDetails of the Complaint : Account Closure : Comenity Bank abruptly closed my AAA credit card account without proper explanation. \nSecurity Verification : I contacted Comenity Bank to resolve the issue and was required to answer security questions, which I answered correctly. However, even after verifying my identity through their required process, the bank has refused to reopen my account or provide any clear reason for their refusal.\n\nLack of Resolution : I have made multiple attempts to resolve this situation, but Comenity Bank continues to deny reopening the account without offering a legitimate reason or solution. This has caused me significant inconvenience and disrupted my financial management.\n\nI believe that Comenity Banks actions are unjustified, and I request a full investigation into this matter. I would like the bank to either reopen my account or provide a clear and valid explanation for its closure.","date_sent_to_company":"2024-09-25T21:51:41.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"89178","tags":null,"has_narrative":true,"complaint_id":"10240711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-09-25T21:47:48.000Z","state":"NV","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against Comenity Bank concerning the closure of my AAA credit card <em>account</em> and the banks refusal to reopen it, despite my <em>compliance</em> with their <em>security</em> procedures. \n\nDetails of the Complaint : <em>Account</em> Closure : Comenity Bank abruptly closed my AAA credit card <em>account</em> without proper explanation. \n<em>Security</em> Verification : I contacted Comenity Bank to resolve the issue and was required to answer <em>security</em> questions, which I answered correctly."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[11.589864,"10240711"]},{"_index":"complaint-public-v1","_id":"7156637","_score":11.516513,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-23T14:09:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7156637","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-23T14:09:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.516513,"7156637"]},{"_index":"complaint-public-v1","_id":"7156654","_score":11.515768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-23T14:09:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7156654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-23T13:58:40.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.515768,"7156654"]},{"_index":"complaint-public-v1","_id":"7156639","_score":11.515768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-23T14:09:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7156639","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-23T14:09:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.515768,"7156639"]},{"_index":"complaint-public-v1","_id":"7152586","_score":11.515768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-22T20:55:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7152586","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-22T20:49:40.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.515768,"7152586"]},{"_index":"complaint-public-v1","_id":"7152529","_score":11.515768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-22T20:55:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7152529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-22T20:55:15.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.515768,"7152529"]},{"_index":"complaint-public-v1","_id":"7152528","_score":11.515768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-22T20:55:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7152528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-22T20:55:15.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.515768,"7152528"]},{"_index":"complaint-public-v1","_id":"7156640","_score":11.499956,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-23T14:09:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7156640","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-23T14:09:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.499956,"7156640"]},{"_index":"complaint-public-v1","_id":"7156638","_score":11.476592,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-23T14:09:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7156638","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-23T14:09:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.476592,"7156638"]},{"_index":"complaint-public-v1","_id":"7201484","_score":11.370297,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-07-03T10:31:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7201484","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-03T10:31:17.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number. I requested validation, <em>made</em> pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act."]},"sort":[11.370297,"7201484"]},{"_index":"complaint-public-v1","_id":"7201363","_score":11.370297,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-07-03T10:31:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7201363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-03T10:23:03.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number. I requested validation, <em>made</em> pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act."]},"sort":[11.370297,"7201363"]},{"_index":"complaint-public-v1","_id":"7201364","_score":11.356918,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-07-03T10:31:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7201364","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-03T10:31:17.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number. I requested validation, <em>made</em> pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act."]},"sort":[11.356918,"7201364"]},{"_index":"complaint-public-v1","_id":"7383462","_score":11.351475,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The purpose of this complaint is to formally address the unauthorized issuance of a duplicate credit card by Wells Fargo, which was subsequently exploited for fraudulent activities. This issue is in clear violation of the provisions outlined in the Electronic Fund Transfer Act ( EFTA ). \n\nThis unauthorized credit card was sent to an unfamiliar address, XXXX XXXX XXXX ( no state or zip code listed ), which I have no affiliation with or knowledge of. \n\nThis incident is particularly alarming considering that the unauthorized duplicate credit card was subsequently used for fraudulent transactions. I was not only left financially compromised but also deeply concerned about the safety of my personal information and the security measures maintained by Wells Fargo. \n\nAccording to the provisions of the Electronic Fund Transfer Act ( EFTA ), financial institutions are obligated to ensure the security and integrity of electronic fund transfers, including the issuance and use of credit cards. The unauthorized issuance of a duplicate credit card, combined with its subsequent fraudulent use, represents a failure to adhere to the EFTA 's stipulations.\n\nI demand that Wells Fargo take immediate and comprehensive action to address this matter : Reversal of Charges : I insist on the immediate reversal of all charges associated with the unauthorized transactions made using the duplicate credit card. As per the EFTA, I am entitled to a refund for any unauthorized transactions. \nThorough Investigation : I request that Wells Fargo conduct a thorough investigation into how the duplicate credit card was produced and distributed without my consent. \nWritten Explanation : I demand a detailed written explanation of the investigation 's findings, all documents used to determine the case, including a clear account of how the unauthorized issuance of the duplicate credit card occurred. This explanation should be submitted to me in writing, in accordance with the EFTA 's requirements for transparency.\n\nYour explanation should include the following : Issuance of Duplicate Card : Provide a detailed explanation of the process by which credit cards are issued and distributed. \nWhat safeguards are in place to prevent the issuance of duplicate cards without the account holder 's explicit consent? \nExplain the specific circumstances that led to the unauthorized issuance and distribution of the duplicate credit card ending in XXXX  without my knowledge or consent and the subsequent distribution of the card to an address not associated with the account. \nSecurity Measures : What security measures does Wells Fargo have in place to prevent the unauthorized issuance of duplicate credit cards? \nProvide details on any recent security enhancements made to prevent such incidents from occurring in the future. \nAre there any specific protocols or authentication methods in place to ensure the accuracy of credit card issuance requests? \n\nFraud Detection and Prevention : How does Wells Fargo monitor for potentially fraudulent transactions and irregularities on customer accounts? \nWhat steps were taken to identify and prevent the fraudulent transactions made using the duplicate credit card in question? \nHow does the bank ensure that transactions made using a duplicate card are flagged for verification or declined to prevent unauthorized activities Investigation Process : What steps did Wells Fargo 's Claims and Recovery Credit Card Fraud Claims department undertake during its investigation of the unauthorized charges? \nWhat evidence, documents, or information were considered during the investigation process to determine that I authorized the transactions? Notification and Communication : Why was I not notified or contacted by your analyst during the investigation process, especially given the seriousness of the matter? \n\nLegal and Regulatory Compliance : How does Wells Fargo ensure compliance with the Electronic Fund Transfer Act ( EFTA ) regarding the security of credit card issuance?\n\nWhat steps does Wells Fargo take to ensure that its practices align with the EFTA 's provisions and guidelines?\n\nExplain how Wells Fargo intends to rectify this incident to ensure full compliance with the EFTA My expectations align with the EFTA 's standards and regulations, which prioritize the security and well-being of your consumers.","date_sent_to_company":"2023-08-10T21:31:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"7383462","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-10T20:46:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Legal and Regulatory <em>Compliance</em> : How does Wells Fargo ensure <em>compliance</em> with the Electronic Fund Transfer Act ( EFTA ) regarding the <em>security</em> of credit card issuance?\n\nWhat steps does Wells Fargo take to ensure that its practices align with the EFTA 's provisions and guidelines?"]},"sort":[11.351475,"7383462"]},{"_index":"complaint-public-v1","_id":"12205849","_score":11.323733,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this formal complaint regarding an issue with Comenity Capital Bank, the issuer of the Dell Pay Credit Card, due to what I believe to be unjustified account closure and lack of proper communication or resolution. \n\nOn XX/XX/2025, I applied for a Dell Pay Credit Card, and my application was approved with a {$5500.00} credit limit. However, when attempting to make a purchase, my transaction was halted due to a security verification requirement. Upon contacting the Account Protection Team, I was instructed to submit identification documents, including : A copy of my state-issued drivers license A copy of my federal Social Security card A recent utility bill ( XXXX XXXX XXXX  XXXX ) On XX/XX/2025, I promptly submitted all requested documentation via email. Despite my compliance, I received no response for two weeks. Then, I received a letter stating that my account had been permanently closed due to continued security concerns.\n\nThis decision is unfounded and unjustified for the following reasons : The account was newly opened, and no purchases were made, so I fail to see what security concerns could exist.\n\nI fully complied with all verification requests and provided legitimate, government-issued identification and a utility bill, which should have been sufficient to confirm my identity.\n\nI was not given any opportunity for recourse or appeal, and I am now forced to wait 30 days to reapply, which is an undue burden as I urgently need to purchase a computer for my business. \nThe banks actions have caused undue inconvenience, have disrupted my business needs, and appear to be an arbitrary and unreasonable decision despite my full compliance with their verification process. I am requesting that the account closure be reconsidered and the matter be promptly reviewed for reinstatement.","date_sent_to_company":"2025-04-02T15:47:58.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"12205849","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-02-25T22:44:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Upon contacting the <em>Account</em> Protection Team, I was instructed to submit identification documents, including : A copy of my state-issued drivers license A copy of my federal Social <em>Security</em> card A recent utility bill ( XXXX XXXX XXXX  XXXX ) On XX/XX/2025, I promptly submitted all requested documentation via email. Despite my <em>compliance</em>, I received no response for two weeks. Then, I received a letter stating that my <em>account</em> had been permanently closed due to continued <em>security</em> concerns."]},"sort":[11.323733,"12205849"]},{"_index":"complaint-public-v1","_id":"7153264","_score":11.285076,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXXXXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-22T17:54:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7153264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-22T17:39:47.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em> and reportability of this listing. Please validate this information XXXX XXXX XXXXXXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.285076,"7153264"]},{"_index":"complaint-public-v1","_id":"7152477","_score":11.259353,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-22T20:48:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7152477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-22T20:40:46.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.259353,"7152477"]},{"_index":"complaint-public-v1","_id":"7152691","_score":11.246152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].","date_sent_to_company":"2023-06-22T20:48:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"7152691","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-22T20:48:42.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Account</em> # XXXX I challenged the accuracy, <em>compliance</em>, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this <em>account</em>, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social <em>Security</em> number."]},"sort":[11.246152,"7152691"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3553,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3553}]}},"product":{"doc_count":3553,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2193,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2170},{"key":"Other personal consumer report","doc_count":23}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":459,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":454},{"key":"Other personal consumer report","doc_count":3},{"key":"Credit repair services","doc_count":2}]}},{"key":"Debt collection","doc_count":348,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":116},{"key":"I do not know","doc_count":92},{"key":"Mortgage debt","doc_count":38},{"key":"Auto debt","doc_count":26},{"key":"Other debt","doc_count":21},{"key":"Medical debt","doc_count":18},{"key":"Rental debt","doc_count":15},{"key":"Telecommunications debt","doc_count":8},{"key":"Federal student loan debt","doc_count":6},{"key":"Other (i.e. phone, health club, etc.)","doc_count":3},{"key":"Private student loan debt","doc_count":3},{"key":"Mortgage","doc_count":1},{"key":"Payday loan debt","doc_count":1}]}},{"key":"Credit card","doc_count":119,"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":107},{"key":"Store credit card","doc_count":10}]}},{"key":"Checking or savings account","doc_count":116,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":82},{"key":"Other banking product or service","doc_count":18},{"key":"Savings account","doc_count":13},{"key":"CD (Certificate of Deposit)","doc_count":3}]}},{"key":"Mortgage","doc_count":114,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":59},{"key":"FHA mortgage","doc_count":19},{"key":"VA mortgage","doc_count":11},{"key":"Other type of mortgage","doc_count":10},{"key":"Home equity loan or line of credit (HELOC)","doc_count":7},{"key":"Conventional adjustable mortgage (ARM)","doc_count":4},{"key":"Conventional fixed mortgage","doc_count":1},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":62,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":28},{"key":"Mobile or digital wallet","doc_count":17},{"key":"Domestic (US) money transfer","doc_count":12},{"key":"International money transfer","doc_count":4},{"key":"Foreign currency exchange","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":53},{"key":"Lease","doc_count":5}]}},{"key":"Student loan","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":17},{"key":"Private student loan","doc_count":6},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":15,"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":12},{"key":"Government benefit card","doc_count":2},{"key":"Payroll card","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":7},{"key":"Payday loan","doc_count":3},{"key":"Personal line of credit","doc_count":3},{"key":"Title loan","doc_count":1}]}},{"key":"Bank account or service","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":8},{"key":"Savings account","doc_count":1}]}},{"key":"Credit reporting","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":4},{"key":"General-purpose prepaid card","doc_count":2},{"key":"Payroll card","doc_count":1}]}},{"key":"Payday loan, title loan, or personal 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":"Personal line of credit","doc_count":1},{"key":"Title loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1},{"key":"Mortgage modification or foreclosure avoidance","doc_count":1},{"key":"Student loan debt relief","doc_count":1}]}}]}},"issue":{"doc_count":3553,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1207,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":828},{"key":"Account information incorrect","doc_count":170},{"key":"Account status incorrect","doc_count":117},{"key":"Personal information incorrect","doc_count":54},{"key":"Public record information inaccurate","doc_count":22},{"key":"Old information reappears or never goes away","doc_count":8},{"key":"Information is incorrect","doc_count":4},{"key":"Information is missing that should be on the report","doc_count":4}]}},{"key":"Improper use of your report","doc_count":848,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":710},{"key":"Credit inquiries on your report that you don't recognize","doc_count":129},{"key":"Report provided to employer without your written authorization","doc_count":9}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":506,"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":381},{"key":"Investigation took more than 30 days","doc_count":40},{"key":"Was not notified of investigation status or results","doc_count":40},{"key":"Problem with personal statement of dispute","doc_count":36},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":9}]}},{"key":"Attempts to collect debt not owed","doc_count":149,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":91},{"key":"Debt was result of identity theft","doc_count":33},{"key":"Debt was paid","doc_count":19},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":6}]}},{"key":"Written notification about debt","doc_count":88,"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":75},{"key":"Didn't receive notice of right to dispute","doc_count":13}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":83,"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":59},{"key":"Investigation took more than 30 days","doc_count":15},{"key":"Problem with personal statement of dispute","doc_count":4},{"key":"Was not notified of investigation status or results","doc_count":4},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Managing an account","doc_count":76,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":30},{"key":"Problem using a debit or ATM card","doc_count":15},{"key":"Banking errors","doc_count":10},{"key":"Problem accessing account","doc_count":9},{"key":"Problem making or receiving payments","doc_count":6},{"key":"Funds not handled or disbursed as instructed","doc_count":4},{"key":"Deposits or withdrawals","doc_count":1},{"key":"Fee problem","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":54,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":9},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":7},{"key":"Escrow, taxes, or insurance","doc_count":6},{"key":"Loan sold or transferred to another company","doc_count":2}]}},{"key":"False statements or representation","doc_count":38,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":35},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":2},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":38,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":16},{"key":"Threatened or suggested your credit would be damaged","doc_count":12},{"key":"Collected or attempted to collect exempt funds","doc_count":4},{"key":"Sued you without properly notifying you of lawsuit","doc_count":4},{"key":"Threatened to sue you for very old debt","doc_count":2}]}},{"key":"Getting a credit card","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":16},{"key":"Card opened without my consent or knowledge","doc_count":13},{"key":"Delay in processing application","doc_count":2},{"key":"Card opened as result of identity theft or fraud","doc_count":1}]}},{"key":"Fraud or scam","doc_count":30,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":5},{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":2},{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":2}]}},{"key":"Other features, terms, or problems","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":16},{"key":"Privacy issues","doc_count":4},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":16},{"key":"Card was charged for something you did not purchase with the card","doc_count":5}]}},{"key":"Closing an account","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":9},{"key":"Funds not received from closed account","doc_count":9},{"key":"Can't close your account","doc_count":1},{"key":"Fees charged for closing account","doc_count":1}]}},{"key":"Closing your account","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":18},{"key":"Can't close your account","doc_count":2}]}},{"key":"Closing on a mortgage","doc_count":17,"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 with the loan closing","doc_count":4},{"key":"Closing disclosure or other related disclosures","doc_count":3},{"key":"Changes in loan terms during or after closing","doc_count":1},{"key":"Delays with the closing process","doc_count":1}]}},{"key":"Repossession","doc_count":17,"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":4},{"key":"Company explaining amount owed","doc_count":3},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":3},{"key":"Notice to repossess","doc_count":3},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":2},{"key":"Deficiency balance after repossession","doc_count":1},{"key":"Voluntary repossession","doc_count":1}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":16}]}},{"key":"Dealing with your lender or servicer","doc_count":16,"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":6},{"key":"Problem with customer service","doc_count":2},{"key":"Don't agree with the fees charged","doc_count":1},{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":16,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":10},{"key":"Problem with additional products or services purchased with the loan","doc_count":2},{"key":"Problem with fees charged","doc_count":2},{"key":"Problem with the interest rate","doc_count":2}]}},{"key":"Other transaction problem","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit denial","doc_count":5},{"key":"Fraudulent loan","doc_count":4},{"key":"Loan opened without my consent or knowledge","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Problem with signing the paperwork","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":10},{"key":"Can't stop withdrawals from your account","doc_count":1},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Problem when making payments","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":7}]}},{"key":"Trouble using your card","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":9},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":5},{"key":"Problem with product or service terms changing","doc_count":2},{"key":"Didn't receive services that were advertised","doc_count":1},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Communication tactics","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Used obscene, profane, or other abusive language","doc_count":3},{"key":"Frequent or repeated calls","doc_count":2},{"key":"You told them to stop contacting you, but they keep trying","doc_count":2},{"key":"Called before 8am or after 9pm","doc_count":1}]}},{"key":"Account opening, closing, or management","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Delays in the application process","doc_count":2}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":6,"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":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":5},{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":6,"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":2},{"key":"Denied request to lower payments","doc_count":1},{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":4},{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"No notice of investigation status/result","doc_count":3},{"key":"Problem with statement of dispute","doc_count":2}]}},{"key":"Opening an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or missing disclosures","doc_count":2},{"key":"Unable to open an account","doc_count":2},{"key":"Account opened as a result of fraud","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Investigation took more than 30 days","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":"Contacted you after you asked them to stop","doc_count":4},{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Confusing or missing disclosures","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan servicing, payments, escrow account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unable to get your credit report or credit score","doc_count":4,"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":4}]}},{"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":"Electronic communications","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":1},{"key":"Used obscene, profane, or other abusive language","doc_count":1},{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":2},{"key":"Bounced checks or returned payments","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2},{"key":"Charged for a purchase or transfer you did not make with the card","doc_count":1}]}},{"key":"Can't contact lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Deposits and withdrawals","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Disclosure verification of debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":2}]}},{"key":"Getting the loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on credit report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status","doc_count":1},{"key":"Personal information","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was not available when promised","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem getting a card or closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1},{"key":"Trouble getting, activating, or registering a card","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using the card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":1},{"key":"Trouble getting information about the card","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't stop withdrawals from your bank account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing/Cancelling account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Having problems with customer service","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High pressure sales tactics or recruiting","doc_count":1}]}},{"key":"Issue where my lender is my school","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Issues with fees connected to the loan","doc_count":1}]}},{"key":"Late fee","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with additional add-on products or services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with overdraft","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdraft charges","doc_count":1}]}},{"key":"Settlement process and costs","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"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":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue on too old debt","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":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Using a debit or ATM card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Wrong amount charged or received","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":3553,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3530},{"key":"No","doc_count":23}]}},"company_response":{"doc_count":3553,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2272},{"key":"Closed with non-monetary relief","doc_count":1252},{"key":"Closed with monetary relief","doc_count":23},{"key":"Untimely response","doc_count":5},{"key":"Closed","doc_count":1}]}},"submitted_via":{"doc_count":3553,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3553}]}},"company":{"doc_count":3553,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":725},{"key":"EQUIFAX, INC.","doc_count":701},{"key":"Experian Information Solutions Inc.","doc_count":697},{"key":"LEXISNEXIS","doc_count":129},{"key":"CBC Companies, Inc.","doc_count":99},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":64},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":55},{"key":"JPMORGAN CHASE & CO.","doc_count":46},{"key":"WELLS FARGO & COMPANY","doc_count":46},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":34},{"key":"AMERICAN EXPRESS COMPANY","doc_count":31},{"key":"Resurgent Capital Services L.P.","doc_count":29},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":27},{"key":"CITIBANK, N.A.","doc_count":25},{"key":"DISCOVER BANK","doc_count":23},{"key":"Portfolio Recovery Associates, LLC","doc_count":21},{"key":"SYNCHRONY FINANCIAL","doc_count":18},{"key":"Early Warning Services, LLC","doc_count":16},{"key":"ID Analytics, Inc.","doc_count":16},{"key":"Nelnet, Inc.","doc_count":16},{"key":"Paypal Holdings, Inc","doc_count":16},{"key":"Chime Financial Inc","doc_count":15},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":14},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":14},{"key":"BARCLAYS BANK DELAWARE","doc_count":13},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":13},{"key":"ALLY FINANCIAL INC.","doc_count":12},{"key":"Block, Inc.","doc_count":12},{"key":"GOLDMAN SACHS BANK USA","doc_count":12},{"key":"Shellpoint Partners, LLC","doc_count":12},{"key":"Coinbase, Inc.","doc_count":10},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":10},{"key":"U.S. BANCORP","doc_count":10},{"key":"CORELOGIC INC","doc_count":9},{"key":"AES/PHEAA","doc_count":8},{"key":"Advanced Resolution Services Inc.","doc_count":8},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":8},{"key":"Mr. Cooper Group Inc.","doc_count":8},{"key":"Security Credit Services, LLC","doc_count":8},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":8},{"key":"Westlake Services, LLC","doc_count":8},{"key":"Affirm Holdings, Inc","doc_count":7},{"key":"Bridgecrest Acceptance Corporation","doc_count":7},{"key":"FISERV FINXACT CORE","doc_count":7},{"key":"Self Financial Inc.","doc_count":7},{"key":"TD BANK US HOLDING COMPANY","doc_count":7},{"key":"Bread Financial Holdings, Inc.","doc_count":6},{"key":"Colony Brands, Inc.","doc_count":6},{"key":"General Motors Financial Company, Inc.","doc_count":6},{"key":"Maximus Federal Services, Inc.","doc_count":6},{"key":"Navient Solutions, LLC.","doc_count":6},{"key":"Ocwen Financial Corporation","doc_count":6},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":6},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":6},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":5},{"key":"FORD MOTOR CREDIT CO.","doc_count":5},{"key":"PNC Bank N.A.","doc_count":5},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":5},{"key":"Santander Consumer USA Holdings Inc.","doc_count":5},{"key":"TRANSWORLD SYSTEMS INC","doc_count":5},{"key":"Winklevoss Exchange LLC","doc_count":5},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":4},{"key":"CCS Financial Services, Inc.","doc_count":4},{"key":"CL Holdings LLC","doc_count":4},{"key":"CLGF Holdco 1, LLC","doc_count":4},{"key":"Exeter Finance, LLC.","doc_count":4},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":4},{"key":"Fay Servicing, LLC","doc_count":4},{"key":"Foris DAX, Inc.","doc_count":4},{"key":"Freedom Mortgage Company","doc_count":4},{"key":"I.C. System, Inc.","doc_count":4},{"key":"Kriya Capital, LLC","doc_count":4},{"key":"Mercedes Benz Financial Services","doc_count":4},{"key":"National Credit Systems,Inc.","doc_count":4},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":4},{"key":"VW Credit","doc_count":4},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":3},{"key":"Bilt Technologies, Inc.","doc_count":3},{"key":"CCF Intermediate Holdings LLC","doc_count":3},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":3},{"key":"Carvana Group, LLC","doc_count":3},{"key":"Continental Finance Company, LLC","doc_count":3},{"key":"EdFinancial Services","doc_count":3},{"key":"LoanCare, LLC","doc_count":3},{"key":"MOHELA","doc_count":3},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":3},{"key":"National Credit Adjusters, LLC","doc_count":3},{"key":"OneMain Finance Corporation","doc_count":3},{"key":"RAS LaVrar, LLC","doc_count":3},{"key":"Rocket Mortgage, LLC","doc_count":3},{"key":"Servicer under contract with Federal Student Aid","doc_count":3},{"key":"T.S. Holdings","doc_count":3},{"key":"ACIMA CREDIT, LLC","doc_count":2},{"key":"ADP Inc.","doc_count":2},{"key":"Aldous & Associates, PLLC","doc_count":2},{"key":"American Credit Acceptance, LLC","doc_count":2},{"key":"American Financial Network Inc.","doc_count":2},{"key":"Auto Trakk, LLC","doc_count":2},{"key":"BMW Financial Services NA, LLC","doc_count":2},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":2},{"key":"CarMax, Inc.","doc_count":2},{"key":"Clark County Collection Service","doc_count":2},{"key":"Collection Management Holdings, LLC","doc_count":2},{"key":"Comerica","doc_count":2},{"key":"Credit Central Holdings, LLC","doc_count":2},{"key":"Credit Karma, LLC","doc_count":2},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":2},{"key":"ERC","doc_count":2},{"key":"FIRST AMERICAN FINANCIAL CORPORATION","doc_count":2},{"key":"FIRST CITIZENS BANCSHARES, INC.","doc_count":2},{"key":"FIRST MERCHANTS CORPORATION","doc_count":2},{"key":"First Federal Credit Control, Inc.","doc_count":2},{"key":"Flagstar Bank, N.A.","doc_count":2},{"key":"Global Lending Services LLC","doc_count":2},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":2},{"key":"HW Holding, Inc","doc_count":2},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"Lending Club Corp","doc_count":2},{"key":"MIDFIRST BANK","doc_count":2},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":2},{"key":"Mountain Run Solutions, LLC","doc_count":2},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":2},{"key":"Nationwide Title Clearing, Inc.","doc_count":2},{"key":"PLANET HOME LENDING, LLC","doc_count":2},{"key":"Payward Ventures Inc. dba Kraken","doc_count":2},{"key":"ROBINHOOD MARKETS INC.","doc_count":2},{"key":"Radius Global Solutions LLC","doc_count":2},{"key":"RentDebt Automated Collections, LLC","doc_count":2},{"key":"River Financial Inc.","doc_count":2},{"key":"SECURITY FINANCE CORP","doc_count":2},{"key":"Spring Oaks Capital, LLC","doc_count":2},{"key":"Synovus Bank","doc_count":2},{"key":"TransferWise Ltd","doc_count":2},{"key":"UPGRADE, INC.","doc_count":2},{"key":"United PanAm Financial Corp.","doc_count":2},{"key":"World Acceptance Corporation","doc_count":2},{"key":"World Omni Financial Corp.","doc_count":2},{"key":"AFNI INC.","doc_count":1},{"key":"AR Resources, Inc.","doc_count":1},{"key":"ARVEST BANK GROUP, INC.","doc_count":1},{"key":"AUSSRQ Holdings, LLC","doc_count":1},{"key":"AVANTE","doc_count":1},{"key":"AXOS FINANCIAL, INC.","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Ad Astra Recovery Services Inc","doc_count":1},{"key":"Albert Corporation","doc_count":1},{"key":"Aldridge Pite, LLP","doc_count":1},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":1},{"key":"AmeriCollect","doc_count":1},{"key":"AmeriHome Mortgage Company, LLC","doc_count":1},{"key":"American Coradius International LLC","doc_count":1},{"key":"American First Finance, Inc.","doc_count":1},{"key":"American Profit Recovery, Inc., Marlborough, MA Branch","doc_count":1},{"key":"American Student Assistance","doc_count":1},{"key":"Amsher Collection Services, Inc.","doc_count":1},{"key":"Apelles, LLC","doc_count":1},{"key":"Army and Air Force Exchange Service","doc_count":1},{"key":"Asset Management Outsourcing, Inc.","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"BILL.COM, LLC","doc_count":1},{"key":"BSI Financial Holdings, Inc.","doc_count":1},{"key":"Ben Franklin Finance LLC","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"Bull City Financial Solutions, Inc","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CIG FINANCIAL LLC","doc_count":1},{"key":"CONGRESS COLLECTION CORP","doc_count":1},{"key":"CONTRACT CALLERS INC","doc_count":1},{"key":"CRED Technologies dba cred.ai","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Caneel Capital, LLC","doc_count":1},{"key":"Capio Partners, LLC","doc_count":1},{"key":"Cash Express, LLC","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Complete Credit Solutions, Inc.","doc_count":1},{"key":"Conn's, Inc.","doc_count":1},{"key":"Consumer Adjustment Company Incorporated","doc_count":1},{"key":"Credit Corp Solutions Inc.","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Systems International, Inc.","doc_count":1},{"key":"Credits, Incorporated","doc_count":1},{"key":"Crow Creek Sioux Tribe","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"Debt Co LLC","doc_count":1},{"key":"Denali Capital Holdings, LLC","doc_count":1},{"key":"Deutsche Bank","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"Diversified Consultants, Inc.","doc_count":1},{"key":"Duncan Solutions, lnc.","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"ENTERPRISE FINANCIAL SERVICES CORP","doc_count":1},{"key":"FBC MORTGAGE, LLC","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FMS Inc.","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Financial Corporation of America","doc_count":1},{"key":"Financial Credit Service, Inc.","doc_count":1},{"key":"FirstKey Holdings, LLC","doc_count":1},{"key":"Forster, Garbus and Garbus","doc_count":1},{"key":"Foursight Holding LLC","doc_count":1},{"key":"Fundo LLC","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"GUARANTEED RATE INC.","doc_count":1},{"key":"GVA Holdings, LLC","doc_count":1},{"key":"Glasser and Glasser, PLC","doc_count":1},{"key":"Grain Technology, Inc.","doc_count":1},{"key":"Groundfloor Finance Inc.","doc_count":1},{"key":"Grow Credit Inc","doc_count":1},{"key":"Gurstel Law Firm, P.C.","doc_count":1},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":1},{"key":"HOPE BANCORP, INC.","doc_count":1},{"key":"HOVG, LLC","doc_count":1},{"key":"HSBC NORTH AMERICA HOLDINGS INC.","doc_count":1},{"key":"Harris & Harris, Ltd.","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"HomeTown Lenders, LLC","doc_count":1},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"JP RECOVERY SERVICES, INC.","doc_count":1},{"key":"Kansas Counselors, Inc.","doc_count":1},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":1},{"key":"Klarna AB","doc_count":1},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":1},{"key":"LOBEL FINANCIAL CORPORATION","doc_count":1},{"key":"Law Office of Brett M. Borland, P.C.","doc_count":1},{"key":"Law Office of Michael J. Scott, PC","doc_count":1},{"key":"Lendbuzz Inc.","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"Lloyd & McDaniel, PLC","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MONEY SOURCE, INC., THE","doc_count":1},{"key":"MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC","doc_count":1},{"key":"MORTGAGE AMERICA, INC","doc_count":1},{"key":"MORTGAGE SOLUTIONS OF COLORADO","doc_count":1},{"key":"MRS BPO, LLC","doc_count":1},{"key":"McCalla Raymer Leibert Pierce, LLC","doc_count":1},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":1},{"key":"Merchants Credit Corporation","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Metro Collection Service Inc.","doc_count":1},{"key":"Midwest Fidelity Services, LLC","doc_count":1},{"key":"Millco Management","doc_count":1},{"key":"Money Management International, Inc.","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"N.A.R., Inc.","doc_count":1},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":1},{"key":"NCB Management Services Inc.","doc_count":1},{"key":"NEW WORLD COLLECTIONS, INC.","doc_count":1},{"key":"NPAS, Inc.","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":1},{"key":"National Enterprise Systems, Inc.","doc_count":1},{"key":"Nationwide Credit Corporation","doc_count":1},{"key":"Nelson Cruz & Associates LLC","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"Opportunity Financial, LLC","doc_count":1},{"key":"P.S.C., Inc","doc_count":1},{"key":"PARAMOUNT RESIDENTIAL MORTGAGE GROUP","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"Pending Company Match","doc_count":1},{"key":"Penn Credit Corporation","doc_count":1},{"key":"Pinnacle Credit Services, LLC","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"ProCollect, Inc.","doc_count":1},{"key":"Property Receivables, Corp","doc_count":1},{"key":"PulteGroup, Inc.","doc_count":1},{"key":"R.A.Rogers, Inc.","doc_count":1},{"key":"R.M. Galicia, Inc.","doc_count":1},{"key":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"Real Time Group, Inc.","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Relay Financial (US), Corp.","doc_count":1},{"key":"Reliant Capital Solutions, LLC","doc_count":1},{"key":"Rent Recovery Solutions","doc_count":1},{"key":"Ria Envia, LLC","doc_count":1},{"key":"Rocky Mountain Capital Management","doc_count":1},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":1},{"key":"SIMM Associates, Inc.","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"STATE FARM BANK, FSB","doc_count":1},{"key":"SUNCOAST CREDIT UNION","doc_count":1},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":1},{"key":"SUNTRUST BANKS, INC.","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Source Receivables Management LLC","doc_count":1},{"key":"South Carolina State Housing Finance and Development Authority","doc_count":1},{"key":"Southern Management Systems Inc.","doc_count":1},{"key":"Southwood Financial, LLC.","doc_count":1},{"key":"Stenger & Stenger, P.C","doc_count":1},{"key":"Supreme Lending","doc_count":1},{"key":"Synerprise Consulting Services, Inc.","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"Terrill Outsourcing Group","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"The Aligned Company DBA Extra","doc_count":1},{"key":"The CBE Group, Inc.","doc_count":1},{"key":"The Orange Coast Company, LLC","doc_count":1},{"key":"The Receivable Management Services LLC","doc_count":1},{"key":"Transform Credit Inc.","doc_count":1},{"key":"Trident Asset Management, L.L.C.","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"U.S. Auto Credit Corporation","doc_count":1},{"key":"U.S. Collections West, Inc.","doc_count":1},{"key":"USCB, Inc.","doc_count":1},{"key":"Usset Weingarden & Liebo PLLP","doc_count":1},{"key":"VYSTAR CREDIT UNION","doc_count":1},{"key":"Valon Technologies, Inc.","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1},{"key":"Webcollex, LLC","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1},{"key":"Zarzaur and Schwartz, PC","doc_count":1}]}},"state":{"doc_count":3553,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":678},{"key":"CA","doc_count":423},{"key":"GA","doc_count":393},{"key":"TX","doc_count":289},{"key":"NY","doc_count":224},{"key":"IL","doc_count":148},{"key":"NC","doc_count":139},{"key":"MI","doc_count":109},{"key":"NJ","doc_count":109},{"key":"NV","doc_count":108},{"key":"VA","doc_count":99},{"key":"PA","doc_count":91},{"key":"MO","doc_count":72},{"key":"MD","doc_count":61},{"key":"LA","doc_count":48},{"key":"MA","doc_count":47},{"key":"OH","doc_count":43},{"key":"AZ","doc_count":42},{"key":"SC","doc_count":41},{"key":"TN","doc_count":41},{"key":"IN","doc_count":35},{"key":"AL","doc_count":34},{"key":"WA","doc_count":30},{"key":"CT","doc_count":27},{"key":"MN","doc_count":23},{"key":"CO","doc_count":21},{"key":"MS","doc_count":19},{"key":"NE","doc_count":18},{"key":"OK","doc_count":15},{"key":"DC","doc_count":13},{"key":"HI","doc_count":13},{"key":"KY","doc_count":11},{"key":"NM","doc_count":11},{"key":"WY","doc_count":11},{"key":"DE","doc_count":10},{"key":"AR","doc_count":9},{"key":"UT","doc_count":8},{"key":"OR","doc_count":6},{"key":"KS","doc_count":5},{"key":"WI","doc_count":5},{"key":"RI","doc_count":4},{"key":"AK","doc_count":2},{"key":"MT","doc_count":2},{"key":"ND","doc_count":2},{"key":"WV","doc_count":2},{"key":"IA","doc_count":1},{"key":"ID","doc_count":1},{"key":"ME","doc_count":1},{"key":"NH","doc_count":1},{"key":"PR","doc_count":1},{"key":"SD","doc_count":1}]}},"company_public_response":{"doc_count":3553,"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":1699},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":106},{"key":"Company chooses not to provide a public response","doc_count":4},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":2},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":2},{"key":"Company disputes the facts presented in the complaint","doc_count":2},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":1},{"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}]}},"tags":{"doc_count":3553,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":225},{"key":"Older American","doc_count":68},{"key":"Older American, Servicemember","doc_count":18}]}}},"_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":[11.246152,"7152691"],"3":[10.429142,"15018332"],"4":[10.229197,"20092967"],"5":[9.892839,"8144427"],"6":[9.596543,"14792901"],"7":[9.433357,"9880362"],"8":[9.108845,"18446003"]}}}