{"took":153,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8837,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13951278","_score":19.123537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested information about XXXX XXXX a account fraudulently opened in my name and ask for information about the reinvestigation procedure under law 15 U.S.C. 6801 ( Protection of Nonpublic Personal Information ) : This section addresses the privacy and security of customer records and information held by financial institutions. \nIt establishes a policy that financial institutions have an obligation to respect customer privacy and protect the security of their nonpublic personal information. \nIt requires financial institutions to implement administrative, technical, and physical safeguards to ensure the security and confidentiality of customer record","date_sent_to_company":"2025-06-07T14:09:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"13951278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-06-07T14:09:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I requested <em>information</em> about XXXX XXXX a account fraudulently opened in my name and ask for <em>information</em> about the reinvestigation procedure under law 15 U.S.C. 6801 ( Protection of <em>Nonpublic</em> <em>Personal</em> <em>Information</em> ) : This section addresses the privacy and <em>security</em> of customer records and <em>information</em> held by financial institutions. \nIt establishes a policy that financial institutions have an obligation to respect customer privacy and protect the <em>security</em> of their <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[19.123537,"13951278"]},{"_index":"complaint-public-v1","_id":"8044809","_score":18.843895,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal is in violation of 15 U.S. code 6801-Protection of nonpublic personal information ; financial institutions have a duty to insure the security and the confidentiality of customer records, protect against the threat of security, and to protect against use of such information that could result in harm or any inconvenience for the consumer. Every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the privacy and confidentiality of those customers nonpublic personal information. According to 15 U.S. Code 6802-obligations with respect to disclosures of personal information a financial institution may not directly or though any affiliate disclose to a nonaffiliated any nonpublic personal information, unless such institution provides consumer with a notice that complies with 15 U.S. Code 6803. In general a financial institution may not disclose nonpublic personal information to a third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not disclosed and the consumer is given an explanation of how the consumer can exercise the non disclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notices that accurate reflects privacy polices and practices to consumer before you disclose any nonpublic personal information to any non affiliated third party. Pursuant to 16 CFR 313.7- financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. 18 U.S. Code 1348 makes it an federal offense to execute or attempt to execute a scheme to defraud any person in connection with a security or to obtain or by false or fraudulent pretenses and money or property in connection with that security.","date_sent_to_company":"2023-12-21T16:59:09.000Z","issue":"Improper use of your report","sub_product":"Checking account","zip_code":"71203","tags":"Servicemember","has_narrative":true,"complaint_id":"8044809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-21T16:33:02.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Navy Federal is in violation of 15 U.S. code 6801-Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ; financial institutions have a duty to insure the <em>security</em> and the confidentiality of customer records, protect against the threat of <em>security</em>, and to protect against use of such <em>information</em> that could result in harm or any inconvenience for the consumer."]},"sort":[18.843895,"8044809"]},{"_index":"complaint-public-v1","_id":"8988900","_score":18.37564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Submitted on line complaint to credit bureaus XX/XX/year>. \nAccording to 15 USC 6801 : Protection of Nonpublic Personal information ( a ) Privacy information policy. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.","date_sent_to_company":"2024-05-13T04:38:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39501","tags":"Older American","has_narrative":true,"complaint_id":"8988900","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-13T03:36:11.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to 15 USC 6801 : Protection of <em>Nonpublic</em> <em>Personal</em> <em>information</em> ( a ) Privacy <em>information</em> policy. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.37564,"8988900"]},{"_index":"complaint-public-v1","_id":"8513370","_score":18.300692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One has reported my non public personal information in violation of the FCRA Account XXXX XXXX As documented on the Federal Trade Commissions website, Per the FCRA 15 USC 1681 B ( Page XXXX ) XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nnonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer","date_sent_to_company":"2024-03-09T18:29:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80013","tags":null,"has_narrative":true,"complaint_id":"8513370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-09T17:58:43.000Z","state":"CO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.300692,"8513370"]},{"_index":"complaint-public-v1","_id":"6170521","_score":18.212908,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Default and Opportunity to Cure To whom it may concern This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. \n\nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).\n\n15 USC 6801 - Protection of nonpublic personal information.\n\n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that SELF FINANCIAL use against Consumers like myself. \n\nThe provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.","date_sent_to_company":"2022-11-05T16:45:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6170521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2022-11-05T16:34:21.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[18.212908,"6170521"]},{"_index":"complaint-public-v1","_id":"10383103","_score":18.1077,"_source":{"product":"Student loan","complaint_what_happened":"My personal information was sold to a third party lender in which I didn't give permission to have my loan services by this company, I was only told this id now my loan servicing company. This Agency has violated and tried to market to me which is a breach of the Gramm-Leach Act GRAMM-LEACH-BLILEY ACT NOTICE In XXXX, Congress enacted the Gramm-Leach-Bliley Act ( Public Law 106-102 ). This Act requires that lenders provide certain information to their customers regarding the collection and use of nonpublic personal information. \nWe disclose nonpublic personal information to third parties only as necessary to process and service your loan and as permitted by the Privacy Act of XXXX. See the Privacy Act Notice below. We do not sell or otherwise make available any information about you to any third parties for marketing purposes. \nWe protect the security and confidentiality of nonpublic personal information by implementing the following policies and practices. All physical access to the sites where nonpublic personal information is maintained is controlled and monitored by security personnel. Our computer systems offer a high degree of resistance to tampering and circumvention. These systems limit data access to our staff and contract staff on a need-to-know basis, and control individual users ability to access and alter records within the systems. All users of these systems are given a unique user ID with personal identifiers. All interactions by individual users with the systems are recorded.","date_sent_to_company":"2024-10-08T17:18:50.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"92108","tags":null,"has_narrative":true,"complaint_id":"10383103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-10-08T17:08:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["We protect the <em>security</em> and confidentiality of <em>nonpublic</em> <em>personal</em> <em>information</em> by implementing the following policies and practices. All physical access to the sites where <em>nonpublic</em> <em>personal</em> <em>information</em> is maintained is controlled and monitored by <em>security</em> personnel. Our computer systems offer a high degree of resistance to tampering and circumvention."]},"sort":[18.1077,"10383103"]},{"_index":"complaint-public-v1","_id":"8044714","_score":18.091969,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX and Jefferson Capital is in violation of 15 usc 6801-Protection of Nonpublic Personal Information financial institutions have a duty to insure the security and confidentiality of customer records, protect against threats of security, and to protect against use of such records or information which could result in substantial harm or any inconvenience to the customer. Each Financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' Nonpublic Personal Information. According to 15 USC 6802-Obligations with respect to disclosure of personal information ; a financial institution may not directly or through any affiliate, disclose to a non-affiliated third party any Nonpublic Personal Information unless such financial institution provides to the consumer a notice that complies with 15 USC 6803 . In general a financial instition may not disclose Nonpublic Personal information to a non-affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing, in electronic form, or other form permitted by 15 USC 6804, the consumer is given the opportunity, before the time thay such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notice that accurately reflects privacy polices and practices to a consumer before you disclose any non public personal information about the consumer to non-affiliated third party. 16 CFR 313.7 states financial institions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose Nonpublic Personal information about the consumer to a non-affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. A complaint will be filed wi the consumer financial protection bureau which is the authority who enforces 15 USC 6801-6805. The Privacy Act of 1974 prohibits the disclosure of a record about and individual from a system.of records absent the written consent of the individual. XXXX and Jefferson Capital are hereby orders to compensate me in the amount of {$25000.00} each for violations of my privacy rights and use and transfer of my Nonpublic Personal Information without my written and express consent.","date_sent_to_company":"2023-12-21T20:54:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71203","tags":"Servicemember","has_narrative":true,"complaint_id":"8044714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2023-12-21T20:47:36.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Each Financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers ' <em>Nonpublic</em> <em>Personal</em> <em>Information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.091969,"8044714"]},{"_index":"complaint-public-v1","_id":"8835259","_score":17.877789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One is reporting in violation as they have received multiple Opt out notices from me. \n5 U.S. Code 552a - Records maintained on individuals- No one but a government agency is to be in possession of an ssn. \n\nCapital One has reported my non public personal information in violation of the FCRA Account # XXXX As documented on the Federal Trade Commissions website, Per CRA 15 USC 1681 B ( Page 13 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer","date_sent_to_company":"2024-04-22T06:33:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80013","tags":null,"has_narrative":true,"complaint_id":"8835259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-04-22T06:02:19.000Z","state":"CO","company_public_response":null,"sub_issue":"Received unsolicited financial product or insurance offers after opting out"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>. <em>nonpublic</em> <em>personal</em> <em>information</em> ( 4 ) <em>Nonpublic</em> <em>personal</em> <em>information</em> ( A ) The term <em>nonpublic</em> <em>personal</em> <em>information</em> means personally identifiable financial <em>information</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.877789,"8835259"]},{"_index":"complaint-public-v1","_id":"8238371","_score":17.871206,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX XXXX Dear To : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX","date_sent_to_company":"2024-01-29T05:28:25.000Z","issue":"Improper use of your report","sub_product":"Loan","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"8238371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-01-29T05:21:26.000Z","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":["As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the <em>security</em> and confidentiality of their <em>nonpublic</em> <em>personal</em> <em>information</em>. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the <em>security</em> and confidentiality of customer records and <em>information</em>."]},"sort":[17.871206,"8238371"]},{"_index":"complaint-public-v1","_id":"11589135","_score":17.823517,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Account charged off, but I payed the company. Remains on credit report Protection of Nonpublic Personal Information Regarding Charge-Offs ( 15 USC 6801-6802 ) : Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must implement measures to protect the confidentiality of nonpublic personal information ( 15 USC 6801 ). If an account is charged off, creditors must still maintain the security of your personal data and prevent unauthorized disclosures.\n\nFurther, under 15 USC 6802, financial institutions are restricted in sharing your nonpublic personal information with third parties. Before sharing such information, institutions are required to notify you of their privacy practices and provide an opt-out option, unless the sharing is necessary for servicing the account, collections, or other permissible purposes under the GLBA.","date_sent_to_company":"2025-01-20T16:56:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"28304","tags":"Servicemember","has_narrative":true,"complaint_id":"11589135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Marlette Funding, LLC","date_received":"2025-01-20T16:50:51.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Remains on credit report Protection of <em>Nonpublic</em> <em>Personal</em> <em>Information</em> Regarding Charge-Offs ( 15 USC 6801-6802 ) : Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must implement measures to protect the confidentiality of <em>nonpublic</em> <em>personal</em> <em>information</em> ( 15 USC 6801 ). If an account is charged off, creditors must still maintain the <em>security</em> of your <em>personal</em> data and prevent unauthorized disclosures."],"product":["Payday loan, title loan, <em>personal</em> loan, or advance loan"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[17.823517,"11589135"]},{"_index":"complaint-public-v1","_id":"8285928","_score":17.746523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX. XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX","date_sent_to_company":"2024-02-05T19:38:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"8285928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2024-02-05T19:29:13.000Z","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":["As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the <em>security</em> and confidentiality of their <em>nonpublic</em> <em>personal</em> <em>information</em>. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the <em>security</em> and confidentiality of customer records and <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.746523,"8285928"]},{"_index":"complaint-public-v1","_id":"9829791","_score":17.609646,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After reviewing my consumer reports I noticed that Southwest Credit Systems is unlawfully furnishing nonpublic personal information on my consumer reports and nonpublic information that is not accurate. In the report it states that I owe Southwest Credit Systems {$170.00} But I never done business nor have a contract with Southwest Credit Systems to owe this alleged debt. Furthermore, pursuant to the Fair Credit Reporting Act 15USC1681B which outlines permissible purpose in obtaining consumer reports, Southwest Credit Systems did not obtain my written consent to furnish any non public perosnal information on my consumer report nor provided me an option to opt out. This also violates the Privacy act of 1974 which mandates the protection of individuals personal information held by federal agencies and other organizations. By unlawfully reporting nonpublic personal information without my consent, Southwest Credit Systems has infruigued my privacy rights,. Also will like to state that Southwest Credit Systems has committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security.","date_sent_to_company":"2024-08-16T11:49:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"9829791","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2024-08-16T11:09:35.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["By unlawfully reporting <em>nonpublic</em> <em>personal</em> <em>information</em> without my consent, Southwest Credit Systems has infruigued my privacy rights,. Also will like to state that Southwest Credit Systems has committed identity theft by mishandling my social <em>security</em> number, which is a serious violation of my privacy and <em>security</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.609646,"9829791"]},{"_index":"complaint-public-v1","_id":"8239931","_score":17.572886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. \nAnything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nnonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.","date_sent_to_company":"2024-01-28T18:29:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44128","tags":"Servicemember","has_narrative":true,"complaint_id":"8239931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2024-01-28T18:10:24.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.572886,"8239931"]},{"_index":"complaint-public-v1","_id":"8192008","_score":17.549809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX [ Email Address : XXXX ] Dear, Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. \n\nAs per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information.\n\nIn this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information.\n\nI also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly.\n\nEnsuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience.\n\nThank you for your prompt and diligent attention to this important consumer protection matter. \n\nSincerely, XXXX XXXX XXXX Email : XXXX XXXX","date_sent_to_company":"2024-01-20T22:11:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"8192008","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-01-20T22:02:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the <em>security</em> and confidentiality of their <em>nonpublic</em> <em>personal</em> <em>information</em>. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the <em>security</em> and confidentiality of customer records and <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.549809,"8192008"]},{"_index":"complaint-public-v1","_id":"8275427","_score":17.546883,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent this to XXXX XXXXXXXX, XXXX, and Goldman Sachs. \n\nI hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information.\n\nAs a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. \nPlease take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. \nI kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.","date_sent_to_company":"2024-02-02T15:43:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10956","tags":null,"has_narrative":true,"complaint_id":"8275427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-02-02T15:43:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.546883,"8275427"]},{"_index":"complaint-public-v1","_id":"9113000","_score":17.530636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Aidvantage is violating my rights as a consumer 15 usc 6802 15 usc 1681 and 15 usc 6801. My privacy information is my business.My student loan are my private information and aidvantage is reporting my private information without consent. I wrote them a letter stating my rights they are violating and ask them for the opt out disclosures to stop reporting my non-public information and then refused and told my they are required to report my non public personal information. \n15 USC 6801- It is the policy of the congress that each financial institution has a AFFIRMATIVE and continuing OBLIGATION to RESPECT the PRIVACY of its customers and protect the security and confidentiality of those customers non-public personal information. My student loans are my non-public personal information.\n\n15 USC 6802 Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \nI was not provided with a clear and conspicuous disclosure. \nAidvantage is Tarnishing my reputation I wanted to get a car but by aidvantage putting my non-public personal information on my consumer report without my consent my score drop XXXX plus points. I am XXXX and sad because of there actions.","date_sent_to_company":"2024-05-29T02:16:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"9113000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2024-05-29T01:53:02.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I wrote them a letter stating my rights they are violating and ask them for the opt out disclosures to stop reporting my <em>non-public</em> <em>information</em> and then refused and told my they are required to report my non public <em>personal</em> <em>information</em>. \n15 USC 6801- It is the policy of the congress that each financial institution has a AFFIRMATIVE and continuing OBLIGATION to RESPECT the PRIVACY of its customers and protect the <em>security</em> and confidentiality of those customers <em>non-public</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.530636,"9113000"]},{"_index":"complaint-public-v1","_id":"8275429","_score":17.51523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent this to XXXX XXXXXXXX, amex, and XXXX XXXX. \n\nI hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. \nAs a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. \nPlease take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. \nI kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.","date_sent_to_company":"2024-02-02T15:43:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10956","tags":null,"has_narrative":true,"complaint_id":"8275429","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-02T15:43:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.51523,"8275429"]},{"_index":"complaint-public-v1","_id":"8240014","_score":17.494434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. \nAnything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nnonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.","date_sent_to_company":"2024-01-28T18:29:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44128","tags":"Servicemember","has_narrative":true,"complaint_id":"8240014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade CISS Holdings, LLC","date_received":"2024-01-28T18:29:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.494434,"8240014"]},{"_index":"complaint-public-v1","_id":"7887332","_score":17.477617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not able to contact this institution. \n\n\n\" XXXX was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to XXXX XXXX. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n\nI am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-21T15:39:46.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"532XX","tags":null,"has_narrative":true,"complaint_id":"7887332","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-21T15:39:44.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.477617,"7887332"]},{"_index":"complaint-public-v1","_id":"7085189","_score":17.466085,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXX with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, Experian, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned XXXX XXXX XXXX, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, XXXX, and Experian ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : XXXX XXXXXXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.","date_sent_to_company":"2023-06-07T13:18:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43615","tags":null,"has_narrative":true,"complaint_id":"7085189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-07T12:59:23.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please be advised that I have not given XXXX XXXX, consent to share my <em>nonpublic</em> <em>personal</em> <em>information</em> and if theres a nondisclosure clause in your contract/agreement giving you that option to share my <em>nonpublic</em> <em>personal</em> <em>information</em> I was not informed."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.466085,"7085189"]},{"_index":"complaint-public-v1","_id":"7085141","_score":17.466085,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Equifax. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, Equifax, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.","date_sent_to_company":"2023-06-07T13:18:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43615","tags":null,"has_narrative":true,"complaint_id":"7085141","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-07T13:18:44.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please be advised that I have not given XXXX XXXX, consent to share my <em>nonpublic</em> <em>personal</em> <em>information</em> and if theres a nondisclosure clause in your contract/agreement giving you that option to share my <em>nonpublic</em> <em>personal</em> <em>information</em> I was not informed."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[17.466085,"7085141"]},{"_index":"complaint-public-v1","_id":"7887338","_score":17.45233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not able to contact this institution. \n\n\n\" Cornerstone was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to FedLoan Servicing. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n\nI am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-21T15:39:38.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"532XX","tags":null,"has_narrative":true,"complaint_id":"7887338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2023-11-21T15:15:22.000Z","state":"WI","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.45233,"7887338"]},{"_index":"complaint-public-v1","_id":"8269006","_score":17.425663,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent this to capital one, XXXX, and XXXX XXXX. \n\nI hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. \nAs a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. \nPlease take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. \nI kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.","date_sent_to_company":"2024-02-02T15:43:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10956","tags":null,"has_narrative":true,"complaint_id":"8269006","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-02T15:12:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.425663,"8269006"]},{"_index":"complaint-public-v1","_id":"7973966","_score":17.42391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX \" Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).\n\nAs a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.\n\nMy personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of EDXXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.\n\n15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.\n\nAccording to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.\n\nPursuant 15 USC 6802 Account # XXXX x XXXX","date_sent_to_company":"2023-12-09T20:53:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27834","tags":null,"has_narrative":true,"complaint_id":"7973966","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-09T20:52:59.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code & 6801 - Protection of <em>nonpublic</em> <em>personal</em> <em>information</em> It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the <em>security</em> and confidentiality of those consumers <em>nonpublic</em> <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[17.42391,"7973966"]},{"_index":"complaint-public-v1","_id":"6396357","_score":17.422422,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom this May Concern, This is regarding the XXXX XXXX XXXX that was initiated on XX/XX/XXXX with your corporation identified by the account number beginning with XXXX and XXXX open on XX/XX/XXXX I would like to formally request, in writing, that you CEASE & DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties including XXXX, XXXX, AND ALSO XXXX. Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nI have not given your corporation my consent to share my nonpublic personal information. If your corporation claims to have been given permission to share my nonpublic personal information, I also request that the original agreement between myself and your corporation with my signature. In which I opted in to sharing of my nonpublic personal information be furnished to me. If this agreement exist. I would also request to be shown, in that same agreement, where I was clearly and conspicuously presented with the option to opt-out of sharing of my nonpublic personal information a provision of 15 USC 6801 ( a ) which requires financial corporations to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing.\n\nBe advised that according to 15 USC 6809 ( 4 ) ( a ), the term nonpublic personal information is defined as personally identifiable information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service preformed for the customer or Otherwise obtained by the corporation Settle this matter or legal action will take place.\n\nYou have 10 days from todays date to remedy this alleged debt.\n\nPlease do not contact me if it does not pertain to this matter at hand. \n\nBest Regards, Without XXXX XXXX XXXX","date_sent_to_company":"2023-01-05T00:45:01.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"6396357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Americas Car-Mart, Inc.","date_received":"2023-01-05T00:37:09.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Pursuant to 15 6801 ( a ) which clearly states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to RESPECT the PRIVACY of its customers and to protect the <em>security</em> and confidentiality of those customers <em>nonpublic</em> <em>personal</em> <em>information</em>. \n\nI have not given your corporation my consent to share my <em>nonpublic</em> <em>personal</em> <em>information</em>."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[17.422422,"6396357"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8837,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8837}]}},"product":{"doc_count":8837,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":6957,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6906},{"key":"Other personal consumer report","doc_count":51}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1202,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1187},{"key":"Other personal consumer report","doc_count":11},{"key":"Credit repair services","doc_count":4}]}},{"key":"Debt collection","doc_count":344,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":106},{"key":"I do not know","doc_count":87},{"key":"Auto debt","doc_count":41},{"key":"Other debt","doc_count":41},{"key":"Telecommunications debt","doc_count":18},{"key":"Rental debt","doc_count":17},{"key":"Medical debt","doc_count":12},{"key":"Credit card","doc_count":8},{"key":"Payday loan debt","doc_count":4},{"key":"Federal student loan debt","doc_count":3},{"key":"Other (i.e. phone, health club, etc.)","doc_count":2},{"key":"Private student loan debt","doc_count":2},{"key":"Federal student loan","doc_count":1},{"key":"Medical","doc_count":1},{"key":"Mortgage","doc_count":1}]}},{"key":"Credit card","doc_count":112,"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":99},{"key":"Store credit card","doc_count":12}]}},{"key":"Vehicle loan or lease","doc_count":77,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":70},{"key":"Lease","doc_count":7}]}},{"key":"Student loan","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":35},{"key":"Private student loan","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":36,"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":28},{"key":"Store credit card","doc_count":7},{"key":"Payroll card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":17},{"key":"Other banking product or service","doc_count":8},{"key":"Savings account","doc_count":3}]}},{"key":"Mortgage","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":10},{"key":"Conventional home mortgage","doc_count":6},{"key":"VA mortgage","doc_count":4},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":4},{"key":"Personal line of credit","doc_count":2},{"key":"Title loan","doc_count":1}]}},{"key":"Debt or credit management","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":4},{"key":"Mortgage modification or foreclosure avoidance","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Mobile or digital wallet","doc_count":2}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":3},{"key":"Title loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":8837,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":6337,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":6201},{"key":"Credit inquiries on your report that you don't recognize","doc_count":89},{"key":"Report provided to employer without your written authorization","doc_count":36},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":11}]}},{"key":"Incorrect information on your report","doc_count":1151,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":434},{"key":"Account information incorrect","doc_count":300},{"key":"Account status incorrect","doc_count":275},{"key":"Personal information incorrect","doc_count":76},{"key":"Public record information inaccurate","doc_count":35},{"key":"Old information reappears or never goes away","doc_count":18},{"key":"Information is missing that should be on the report","doc_count":9},{"key":"Information is incorrect","doc_count":4}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":572,"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":496},{"key":"Investigation took more than 30 days","doc_count":32},{"key":"Problem with personal statement of dispute","doc_count":22},{"key":"Was not notified of investigation status or results","doc_count":21},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":143,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":67},{"key":"Debt was result of identity theft","doc_count":43},{"key":"Debt was paid","doc_count":22},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":11}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":122,"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":99},{"key":"Investigation took more than 30 days","doc_count":14},{"key":"Was not notified of investigation status or results","doc_count":6},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":72,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":53},{"key":"Seized or attempted to seize your property","doc_count":10},{"key":"Sued you without properly notifying you of lawsuit","doc_count":4},{"key":"Threatened to sue you for very old debt","doc_count":3},{"key":"Collected or attempted to collect exempt funds","doc_count":2}]}},{"key":"Written notification about debt","doc_count":65,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":34},{"key":"Didn't receive enough information to verify debt","doc_count":30},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":51,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Privacy issues","doc_count":38},{"key":"Other problem","doc_count":13}]}},{"key":"Getting a credit card","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":26},{"key":"Card opened without my consent or knowledge","doc_count":2},{"key":"Delay in processing application","doc_count":1}]}},{"key":"False statements or representation","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":20},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":4}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":10},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":8},{"key":"Problem with product or service terms changing","doc_count":3},{"key":"Didn't receive services that were advertised","doc_count":1},{"key":"Received unwanted marketing or advertising","doc_count":1}]}},{"key":"Repossession","doc_count":17,"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":7},{"key":"Voluntary repossession","doc_count":4},{"key":"Lender trying to repossess or disable the vehicle","doc_count":2},{"key":"Notice to repossess","doc_count":2},{"key":"Account reinstatement or redemption after repossession","doc_count":1},{"key":"Company explaining amount owed","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":9},{"key":"Problem with fees charged","doc_count":3},{"key":"Loan sold or transferred to another company","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":8},{"key":"Trouble with how payments are being handled","doc_count":3},{"key":"Don't agree with the fees charged","doc_count":2},{"key":"Need information about your loan balance or loan terms","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":9},{"key":"Credit denial","doc_count":3},{"key":"Loan opened without my consent or knowledge","doc_count":2}]}},{"key":"Problem when making payments","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":9},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Communication tactics","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":6},{"key":"Used obscene, profane, or other abusive language","doc_count":4},{"key":"Frequent or repeated calls","doc_count":3}]}},{"key":"Trouble using your card","doc_count":13,"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":11},{"key":"Account sold or transferred to another company","doc_count":1},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Closing your account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":12}]}},{"key":"Improper contact or sharing of info","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third party about my debt","doc_count":9},{"key":"Contacted me after I asked not to","doc_count":3}]}},{"key":"Managing an account","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":3},{"key":"Funds not handled or disbursed as instructed","doc_count":3},{"key":"Problem accessing account","doc_count":3},{"key":"Problem using a debit or ATM card","doc_count":2},{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":6},{"key":"Lender trying to repossess or disable the vehicle","doc_count":5},{"key":"Denied request to lower payments","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":2},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2},{"key":"Escrow, taxes, or insurance","doc_count":1},{"key":"Fees charged","doc_count":1},{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":8,"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":5},{"key":"Card was charged for something you did not purchase with the card","doc_count":3}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":7},{"key":"Contacted you after you asked them to stop","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":8,"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":8}]}},{"key":"Identity theft protection or other monitoring services","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3},{"key":"Problem with product or service terms changing","doc_count":1},{"key":"Received unwanted marketing or advertising","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Electronic communications","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":2},{"key":"Contacted before 8am or after 9pm","doc_count":1},{"key":"Frequent or repeated messages","doc_count":1}]}},{"key":"Fraud or scam","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Opening an account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":2},{"key":"Account opened without my consent or knowledge","doc_count":1},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Problems at the end of the loan or lease","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":2},{"key":"Problem while selling or giving up the vehicle","doc_count":1},{"key":"Problem with paying off the loan","doc_count":1}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"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":"Advertising and marketing, including promotional offers","doc_count":2,"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":1},{"key":"Didn't receive advertised or promotional terms","doc_count":1}]}},{"key":"Closing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":1},{"key":"Company closed your account","doc_count":1}]}},{"key":"Closing on a mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other service problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":2}]}},{"key":"Struggling to repay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't temporarily delay making payments","doc_count":1},{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}},{"key":"Trouble accessing funds in your mobile or digital wallet","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Application, originator, mortgage broker","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Privacy","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem getting a card or closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trouble closing card","doc_count":1}]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}}]}},"timely":{"doc_count":8837,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":8791},{"key":"No","doc_count":46}]}},"company_response":{"doc_count":8837,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":5523},{"key":"Closed with non-monetary relief","doc_count":3296},{"key":"Untimely response","doc_count":9},{"key":"Closed with monetary relief","doc_count":7},{"key":"Closed","doc_count":2}]}},"submitted_via":{"doc_count":8837,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":8837}]}},"company":{"doc_count":8837,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":2092},{"key":"EQUIFAX, INC.","doc_count":1944},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1921},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":212},{"key":"DISCOVER BANK","doc_count":101},{"key":"JPMORGAN CHASE & CO.","doc_count":101},{"key":"Resurgent Capital Services L.P.","doc_count":91},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":90},{"key":"AMERICAN EXPRESS COMPANY","doc_count":89},{"key":"SYNCHRONY FINANCIAL","doc_count":87},{"key":"LEXISNEXIS","doc_count":82},{"key":"CITIBANK, N.A.","doc_count":74},{"key":"Early Warning Services, LLC","doc_count":66},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":64},{"key":"Nelnet, Inc.","doc_count":64},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":56},{"key":"WELLS FARGO & COMPANY","doc_count":55},{"key":"CBC Companies, Inc.","doc_count":47},{"key":"Bread Financial Holdings, Inc.","doc_count":46},{"key":"Self Financial Inc.","doc_count":42},{"key":"GOLDMAN SACHS BANK USA","doc_count":41},{"key":"Portfolio Recovery Associates, LLC","doc_count":38},{"key":"ALLY FINANCIAL INC.","doc_count":31},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":30},{"key":"Maximus Federal Services, Inc.","doc_count":29},{"key":"CL Holdings LLC","doc_count":28},{"key":"TD BANK US HOLDING COMPANY","doc_count":27},{"key":"CCS Financial Services, Inc.","doc_count":26},{"key":"Bridgecrest Acceptance Corporation","doc_count":24},{"key":"ID Analytics, Inc.","doc_count":23},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":22},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":22},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":22},{"key":"MOHELA","doc_count":21},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":21},{"key":"Westlake Services, LLC","doc_count":21},{"key":"Affirm Holdings, Inc","doc_count":20},{"key":"BARCLAYS BANK DELAWARE","doc_count":20},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":18},{"key":"Exeter Finance, LLC.","doc_count":16},{"key":"I.C. System, Inc.","doc_count":16},{"key":"U.S. BANCORP","doc_count":16},{"key":"CORELOGIC INC","doc_count":15},{"key":"TRANSWORLD SYSTEMS INC","doc_count":15},{"key":"National Credit Systems,Inc.","doc_count":14},{"key":"Upstart Holdings, Inc.","doc_count":14},{"key":"AES/PHEAA","doc_count":12},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":12},{"key":"OneMain Finance Corporation","doc_count":12},{"key":"Synovus Bank","doc_count":12},{"key":"Atlanticus Services Corporation","doc_count":11},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":11},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":11},{"key":"Kikoff Inc.","doc_count":11},{"key":"LCI Acquisition Inc.","doc_count":11},{"key":"National Credit Adjusters, LLC","doc_count":11},{"key":"CLGF Holdco 1, LLC","doc_count":10},{"key":"EdFinancial Services","doc_count":10},{"key":"Navient Solutions, LLC.","doc_count":10},{"key":"Spring Oaks Capital, LLC","doc_count":10},{"key":"UPGRADE, INC.","doc_count":10},{"key":"FactorTrust, Inc.","doc_count":9},{"key":"General Motors Financial Company, Inc.","doc_count":9},{"key":"Mr. Cooper Group Inc.","doc_count":9},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":9},{"key":"Source Receivables Management LLC","doc_count":9},{"key":"ACIMA CREDIT, LLC","doc_count":8},{"key":"Consumer Portfolio Services, Inc.","doc_count":8},{"key":"Lendmark Financial Services","doc_count":8},{"key":"PNC Bank N.A.","doc_count":8},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":8},{"key":"Avant Holding Company, Inc.","doc_count":7},{"key":"FC HoldCo LLC","doc_count":7},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":7},{"key":"Kriya Capital, LLC","doc_count":7},{"key":"Mercedes Benz Financial Services","doc_count":7},{"key":"NCB Management Services Inc.","doc_count":7},{"key":"World Acceptance Corporation","doc_count":7},{"key":"Amsher Collection Services, Inc.","doc_count":6},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":6},{"key":"CarMax, Inc.","doc_count":6},{"key":"Global Lending Services LLC","doc_count":6},{"key":"Radius Global Solutions LLC","doc_count":6},{"key":"Advanced Resolution Services Inc.","doc_count":5},{"key":"American Credit Acceptance, LLC","doc_count":5},{"key":"Bull City Financial Solutions, Inc","doc_count":5},{"key":"Cascade CISS Holdings, LLC","doc_count":5},{"key":"ERC","doc_count":5},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":5},{"key":"SLM CORPORATION","doc_count":5},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":5},{"key":"Security Credit Services, LLC","doc_count":5},{"key":"T.S. Holdings","doc_count":5},{"key":"United PanAm Financial Corp.","doc_count":5},{"key":"Aargon Agency, Inc.","doc_count":4},{"key":"Alorica Inc.","doc_count":4},{"key":"Chime Financial Inc","doc_count":4},{"key":"Colony Brands, Inc.","doc_count":4},{"key":"Conn's, Inc.","doc_count":4},{"key":"Continental Finance Company, LLC","doc_count":4},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":4},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":4},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":4},{"key":"Freedom Mortgage Company","doc_count":4},{"key":"HW Holding, Inc","doc_count":4},{"key":"Marlette Funding, LLC","doc_count":4},{"key":"Open Dealer Exchange, LLC","doc_count":4},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":4},{"key":"Rocket Mortgage, LLC","doc_count":4},{"key":"SECURITY FINANCE CORP","doc_count":4},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":4},{"key":"Shellpoint Partners, LLC","doc_count":4},{"key":"Southwest Credit Systems, L.P.","doc_count":4},{"key":"VYSTAR CREDIT UNION","doc_count":4},{"key":"Velocity Portfolio Group","doc_count":4},{"key":"ZINC Financial, Inc.,","doc_count":4},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":3},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":3},{"key":"Ability Recovery Services, LLC","doc_count":3},{"key":"Adler Wallach & Associates, Inc.","doc_count":3},{"key":"Aldous & Associates, PLLC","doc_count":3},{"key":"Aqua Finance, Inc.","doc_count":3},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":3},{"key":"BMW Financial Services NA, LLC","doc_count":3},{"key":"Block, Inc.","doc_count":3},{"key":"CCF Intermediate Holdings LLC","doc_count":3},{"key":"Carvana Group, LLC","doc_count":3},{"key":"Convergent Resources, Inc.","doc_count":3},{"key":"Credit Control, LLC","doc_count":3},{"key":"Credit Corp Solutions Inc.","doc_count":3},{"key":"Credit Karma, LLC","doc_count":3},{"key":"CrossCountry Mortgage LLC","doc_count":3},{"key":"DriveTime","doc_count":3},{"key":"Entrata Inc.","doc_count":3},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":3},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":3},{"key":"Financial Assistance Inc","doc_count":3},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":3},{"key":"KEYCORP","doc_count":3},{"key":"LJ Ross Associates","doc_count":3},{"key":"Larry H. Miller Group of Companies","doc_count":3},{"key":"M&T BANK CORPORATION","doc_count":3},{"key":"MARINER FINANCE, LLC","doc_count":3},{"key":"MECHANICS BANK","doc_count":3},{"key":"Monterey Financial Services LLC","doc_count":3},{"key":"NRA Group, LLC","doc_count":3},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":3},{"key":"Opportunity Financial, LLC","doc_count":3},{"key":"Possible Financial Inc","doc_count":3},{"key":"Prosper Marketplace, Inc.","doc_count":3},{"key":"Rent Recovery Solutions","doc_count":3},{"key":"Sequium Asset Solutions, LLC","doc_count":3},{"key":"Southern Auto Finance Co","doc_count":3},{"key":"Uplift, Inc","doc_count":3},{"key":"VW Credit","doc_count":3},{"key":"W&A Intermediate Co., LLC","doc_count":3},{"key":" Lippman Recupero, LLC","doc_count":3},{"key":"AFNI INC.","doc_count":2},{"key":"APEX Asset Management, LLC","doc_count":2},{"key":"AUSSRQ Holdings, LLC","doc_count":2},{"key":"Absolute Resolutions Corp.","doc_count":2},{"key":"Americas Car-Mart, Inc.","doc_count":2},{"key":"Amscot Corporation","doc_count":2},{"key":"Auto Credit of Virginia Inc.","doc_count":2},{"key":"Auto Now Financial Services, Inc., Phoenix, AZ Branch","doc_count":2},{"key":"Auto Trakk, LLC","doc_count":2},{"key":"Ava Finance, Inc","doc_count":2},{"key":"BOEING EMPLOYEES' CREDIT UNION","doc_count":2},{"key":"Burns Auto Credit, LLC","doc_count":2},{"key":"CNG FINANCIAL CORPORATION","doc_count":2},{"key":"COLLECTIONS USA, INC.","doc_count":2},{"key":"Capio Partners, LLC","doc_count":2},{"key":"Concord Servicing Corporation","doc_count":2},{"key":"Deinde Online Services, LLC","doc_count":2},{"key":"EGL US, LLC","doc_count":2},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":2},{"key":"FORD MOTOR CREDIT CO.","doc_count":2},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":2},{"key":"First Advantage LNS Inc.","doc_count":2},{"key":"First Credit Services Inc.","doc_count":2},{"key":"Firstsource Business Process Services, LLC","doc_count":2},{"key":"Frontline Asset Strategies, LLC","doc_count":2},{"key":"Grain Technology, Inc.","doc_count":2},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":2},{"key":"Harris & Harris, Ltd.","doc_count":2},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":2},{"key":"Kovo","doc_count":2},{"key":"LAKEVIEW LOAN SERVICING, LLC","doc_count":2},{"key":"LD Holdings Group, LLC","doc_count":2},{"key":"LOBEL FINANCIAL CORPORATION","doc_count":2},{"key":"Law Office of Michael J. Scott, PC","doc_count":2},{"key":"MRS BPO, LLC","doc_count":2},{"key":"Mcburberod Financial, Inc. d/b/a SeedFi","doc_count":2},{"key":"Moss Law Firm, P.C.","doc_count":2},{"key":"NEW YORK COMMUNITY BANCORP INC","doc_count":2},{"key":"National Account Systems of Omaha, LLC","doc_count":2},{"key":"North Shore Equities, Inc.","doc_count":2},{"key":"Northstar Location Services, LLC","doc_count":2},{"key":"P&B Capital Group, LLC","doc_count":2},{"key":"PREFERRED CREDIT INC","doc_count":2},{"key":"Patrick K Willis Company Inc","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"Penn Credit Corporation","doc_count":2},{"key":"ProCollect, Inc.","doc_count":2},{"key":"R.A.Rogers, Inc.","doc_count":2},{"key":"Rocky Mountain Capital Management","doc_count":2},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":2},{"key":"SG and Associates","doc_count":2},{"key":"SUNCOAST CREDIT UNION","doc_count":2},{"key":"Santander Consumer USA Holdings Inc.","doc_count":2},{"key":"Sentry Credit, Inc.","doc_count":2},{"key":"Servicer under contract with Federal Student Aid","doc_count":2},{"key":"Southern Management Systems Inc.","doc_count":2},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":2},{"key":"Sunbit, Inc.","doc_count":2},{"key":"TekCollect Inc.","doc_count":2},{"key":"The Aligned Company DBA Extra","doc_count":2},{"key":"The Bureaus, Inc.","doc_count":2},{"key":"V and H Portfolio","doc_count":2},{"key":"VANDERBILT MORTGAGE & FINANCE, INC","doc_count":2},{"key":"ZWICKER & ASSOCIATES","doc_count":2},{"key":"1st Franklin Financial Corporation","doc_count":1},{"key":"A-L FINANCIAL CORP","doc_count":1},{"key":"ADP Inc.","doc_count":1},{"key":"AR Resources, Inc.","doc_count":1},{"key":"Advance America, Cash Advance Centers, Inc.","doc_count":1},{"key":"Alliance One, Inc.","doc_count":1},{"key":"AmeriCash Holding LLC","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":"Apelles, LLC","doc_count":1},{"key":"Army and Air Force Exchange Service","doc_count":1},{"key":"Ascendium Education Group","doc_count":1},{"key":"Ascent Holding Co","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Atlas Credit Company, Inc.","doc_count":1},{"key":"Automatic Data Processing, Inc.","doc_count":1},{"key":"Axiom Acquisition Ventures, LLC","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BTH Management","doc_count":1},{"key":"Bayside Credit","doc_count":1},{"key":"Bepensa Capital, Inc.","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"Bonneville Billing and Collections","doc_count":1},{"key":"Bounce AI, Inc.","doc_count":1},{"key":"Bright Capital Inc","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"C/C Financial","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CARVANT FINANCIAL LLC","doc_count":1},{"key":"CCB Credit Serivces, Inc","doc_count":1},{"key":"CHALLENGE FINANCIAL SERVICES","doc_count":1},{"key":"CIG FINANCIAL LLC","doc_count":1},{"key":"CMG Financial Services, Inc.","doc_count":1},{"key":"COLLECTION SERVICES OF ATHENS, INC.","doc_count":1},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":1},{"key":"CURO Intermediate Holdings","doc_count":1},{"key":"Capital Accounts, LLC","doc_count":1},{"key":"Carter-Young, Inc.","doc_count":1},{"key":"Central Research Inc","doc_count":1},{"key":"Certegy Holdings, LLC","doc_count":1},{"key":"City Enterprises, LLC","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"Collection Management Holdings, LLC","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance","doc_count":1},{"key":"Consumer Adjustment Company Incorporated","doc_count":1},{"key":"Consumer Attorneys of America, P.A.","doc_count":1},{"key":"Contemporary Information Corp","doc_count":1},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":1},{"key":"Credit Card Acquisitions Group","doc_count":1},{"key":"Credit International Corporation","doc_count":1},{"key":"Credit Systems International, Inc.","doc_count":1},{"key":"Crow Creek Sioux Tribe","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"Debt Recovery Solutions, LLC","doc_count":1},{"key":"Diverse Funding Associates LLC","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":1},{"key":"ECMC GROUP, INC.","doc_count":1},{"key":"Earnest Inc.","doc_count":1},{"key":"Easy Finance, LLC","doc_count":1},{"key":"Esusu, Inc.","doc_count":1},{"key":"Express Collections, Inc.","doc_count":1},{"key":"Exto Inc.","doc_count":1},{"key":"FEDChex Recovery, LLC","doc_count":1},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":1},{"key":"FIRST ADVANTAGE CORPORATION","doc_count":1},{"key":"FIRST HORIZON BANK","doc_count":1},{"key":"FIRSTBANK","doc_count":1},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"FRESNO CREDIT BUREAU","doc_count":1},{"key":"FULTON FINANCIAL CORPORATION","doc_count":1},{"key":"Federated Law Group","doc_count":1},{"key":"Figure Technologies, Inc","doc_count":1},{"key":"FinCo Services Inc DBA Current","doc_count":1},{"key":"Financial Business and Consumer Solutions.","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"First Technology Federal Credit Union","doc_count":1},{"key":"Flagstar Bank, N.A.","doc_count":1},{"key":"Franklin Collection Service, Inc.","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"GREENSKY OPERATIONS, LLC","doc_count":1},{"key":"Garrison Investment Group","doc_count":1},{"key":"Granite Edvance Corporation","doc_count":1},{"key":"Grow Credit Inc","doc_count":1},{"key":"Guild Holdings Company","doc_count":1},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":1},{"key":"HOME ACCEPTANCE CORPORATION","doc_count":1},{"key":"Happy Money, Inc.","doc_count":1},{"key":"Harley Davidson Financial Services Inc","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"Helm Associates","doc_count":1},{"key":"HireRight Solutions, Inc.","doc_count":1},{"key":"Holloway Credit Solutions","doc_count":1},{"key":"Integrity First Financial Group","doc_count":1},{"key":"J J Marshall & Associates, Inc","doc_count":1},{"key":"KLS Financial Services, Inc","doc_count":1},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":1},{"key":"LAKE MICHIGAN CREDIT UNION","doc_count":1},{"key":"Law Offices of Timothy M. Sullivan","doc_count":1},{"key":"Lefkoff, Rubin, Gleason, Russo & Williams, P.C.","doc_count":1},{"key":"LendingPoint Holdings LLC","doc_count":1},{"key":"Lloyd & McDaniel, PLC","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"Loqbox US Inc","doc_count":1},{"key":"MCLEAN MORTGAGE CORPORATION","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"MOUNTAIN AMERICA FEDERAL CREDIT UNION","doc_count":1},{"key":"MS SERVICES LLC","doc_count":1},{"key":"Merchants' Credit Guide Company","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"MicroBilt / PRBC (formerly CL Verify)","doc_count":1},{"key":"Mid-Atlantic Finance Co., Inc.","doc_count":1},{"key":"Midwest Acceptance Corp.","doc_count":1},{"key":"Momnt Technologies, Inc.","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Mortgage Research Center, LLC","doc_count":1},{"key":"Mountain Run Solutions, LLC","doc_count":1},{"key":"NATIONWIDE ACCEPTANCE LLC","doc_count":1},{"key":"NEW CITY FUNDING CORP.","doc_count":1},{"key":"NORTHWEST BANCSHARES INC","doc_count":1},{"key":"National Enterprise Systems, Inc.","doc_count":1},{"key":"North State Acceptance, LLC","doc_count":1},{"key":"ONLINE Information Services, Inc.","doc_count":1},{"key":"OPTUM BANK, INC.","doc_count":1},{"key":"Oliphant United, Inc.","doc_count":1},{"key":"One Source Technology","doc_count":1},{"key":"P.S.C., Inc","doc_count":1},{"key":"PDQ Services, Inc.","doc_count":1},{"key":"PENNSYLVANIA HOUSING FINANCE AGENCY","doc_count":1},{"key":"PLANET HOME LENDING, LLC","doc_count":1},{"key":"Paramount Capital Group, Inc.","doc_count":1},{"key":"Perpay, Inc.","doc_count":1},{"key":"Preferred Finanical Services Corporation","doc_count":1},{"key":"Prince Parker & Associates","doc_count":1},{"key":"Professional Debt Mediation, Inc.","doc_count":1},{"key":"Professional Recovery Management","doc_count":1},{"key":"Property Receivables, Corp","doc_count":1},{"key":"PulteGroup, Inc.","doc_count":1},{"key":"QUALITY ACCEPTANCE LLC","doc_count":1},{"key":"R & B Corporation of Virginia","doc_count":1},{"key":"RAB PERFORMANCE RECOVERIES, LLC","doc_count":1},{"key":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","doc_count":1},{"key":"RFNA, LP","doc_count":1},{"key":"ROAD Auto Finance, LLC","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"RS Clark and Associates, Inc.","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"Roadrunner Account Services, LLC","doc_count":1},{"key":"RockLoans Holdings LLC","doc_count":1},{"key":"SCHOOLSFIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"SF-ALP, LLC","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"Scott Fetzer Financial Group Inc.","doc_count":1},{"key":"Second Round Limited Partnership, Austin, TX Branch","doc_count":1},{"key":"Smart Finance Inc dba Fishtail Financial","doc_count":1},{"key":"Solar Mosaic LLC","doc_count":1},{"key":"Southwest Recovery Services, Inc.","doc_count":1},{"key":"Southwest Stage Funding","doc_count":1},{"key":"Specialized Collection Systems, Inc.","doc_count":1},{"key":"State Home Mortgage","doc_count":1},{"key":"Stellantis Financial Services US Corp.","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"Synergetic Communication Inc","doc_count":1},{"key":"TMX Finance LLC","doc_count":1},{"key":"Tally Technologies","doc_count":1},{"key":"Telerecovery Corporation","doc_count":1},{"key":"Tenaglia & Hunt, PA","doc_count":1},{"key":"Terrill Outsourcing Group","doc_count":1},{"key":"Tesla, Inc.","doc_count":1},{"key":"Thaxton Investment Corporation","doc_count":1},{"key":"The CBE Group, Inc.","doc_count":1},{"key":"The CMI Group, Inc.","doc_count":1},{"key":"The Law Offices of Mitchell D. Bluhm & Associates","doc_count":1},{"key":"The Savings Group, Inc.","doc_count":1},{"key":"Tilt Finance, Inc.","doc_count":1},{"key":"Titan Revenue Solutions","doc_count":1},{"key":"Torres Credit Services, Inc.","doc_count":1},{"key":"Transfinancial Companies, Inc","doc_count":1},{"key":"Transform Credit Inc.","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"Turner Acceptance Corp.","doc_count":1},{"key":"UNITED AUTO ACCEPTANCE","doc_count":1},{"key":"United Revenue Collection Service","doc_count":1},{"key":"United Revenue Corporation","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"United Student Aid (USA) Funds","doc_count":1},{"key":"Verisk Analytics Inc","doc_count":1},{"key":"Veros Credit, LLC","doc_count":1},{"key":"WOOD FINANCE INC DBA PREMIER ACCEPTANCE","doc_count":1},{"key":"Wallace Management Company, LLC","doc_count":1},{"key":"Western-Shamrock Corporation","doc_count":1},{"key":"Williams & Fudge, Inc","doc_count":1},{"key":"Windham Equity Company","doc_count":1},{"key":"Yamaha Motor Finance Corporation USA","doc_count":1},{"key":"Zions Debt Holdings","doc_count":1}]}},"state":{"doc_count":8837,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":1009},{"key":"TX","doc_count":947},{"key":"FL","doc_count":934},{"key":"GA","doc_count":904},{"key":"NY","doc_count":601},{"key":"PA","doc_count":401},{"key":"NC","doc_count":375},{"key":"NJ","doc_count":353},{"key":"IL","doc_count":267},{"key":"VA","doc_count":226},{"key":"MD","doc_count":225},{"key":"MO","doc_count":214},{"key":"MI","doc_count":199},{"key":"SC","doc_count":179},{"key":"OH","doc_count":170},{"key":"AZ","doc_count":166},{"key":"LA","doc_count":157},{"key":"NV","doc_count":125},{"key":"MS","doc_count":115},{"key":"CO","doc_count":111},{"key":"TN","doc_count":108},{"key":"AL","doc_count":99},{"key":"MA","doc_count":99},{"key":"IN","doc_count":97},{"key":"MN","doc_count":84},{"key":"AK","doc_count":65},{"key":"WI","doc_count":65},{"key":"DE","doc_count":63},{"key":"CT","doc_count":59},{"key":"WA","doc_count":51},{"key":"AR","doc_count":47},{"key":"KY","doc_count":43},{"key":"OK","doc_count":40},{"key":"DC","doc_count":33},{"key":"RI","doc_count":31},{"key":"UT","doc_count":25},{"key":"HI","doc_count":22},{"key":"OR","doc_count":22},{"key":"NH","doc_count":11},{"key":"VT","doc_count":11},{"key":"IA","doc_count":10},{"key":"KS","doc_count":10},{"key":"ND","doc_count":10},{"key":"WY","doc_count":10},{"key":"NE","doc_count":9},{"key":"MT","doc_count":8},{"key":"SD","doc_count":6},{"key":"PR","doc_count":5},{"key":"ID","doc_count":4},{"key":"WV","doc_count":4}]}},"company_public_response":{"doc_count":8837,"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":4575},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":231},{"key":"Company disputes the facts presented in the complaint","doc_count":14},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":5},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":2},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":1},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":1},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":8837,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":563},{"key":"Older American","doc_count":38},{"key":"Older American, Servicemember","doc_count":5}]}}},"_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":[17.425663,"8269006"],"3":[17.181704,"7085142"],"4":[16.777233,"11406675"],"5":[16.624178,"7643133"],"6":[16.41415,"8020297"],"7":[16.274963,"12201964"],"8":[16.007763,"6661643"]}}}