{
  "dataset": "CFPB Consumer Complaint Database: credit reporting complaints",
  "source": {
    "publisher": "Consumer Financial Protection Bureau",
    "name": "Consumer Complaint Database",
    "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/",
    "api": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/",
    "api_documentation": "https://cfpb.github.io/api/ccdb/api.html",
    "license": "CC0",
    "license_url": "https://creativecommons.org/publicdomain/zero/1.0/",
    "database_last_updated": "2026-09-23T12:00:00-05:00",
    "database_last_indexed": "2026-09-24T12:00:00-05:00",
    "database_total_records": 17967123,
    "data_stale": false,
    "data_issue": false
  },
  "product": "Credit reporting or other personal consumer reports",
  "window": {
    "first_day": "2025-09-01",
    "last_day": "2026-08-31",
    "date_received_min": "2025-09-01",
    "date_received_max_exclusive": "2026-09-01"
  },
  "retrieved_at": "2026-09-25T03:45:56Z",
  "retrieved_on": "2026-09-24",
  "retrieved_on_time_zone": "America/Chicago",
  "queries": [
    {
      "purpose": "Aggregate counts for the product in the window (size=0: no complaint records)",
      "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?size=0&product=Credit%20reporting%20or%20other%20personal%20consumer%20reports&date_received_min=2025-09-01&date_received_max=2026-09-01"
    },
    {
      "purpose": "Cross-check: complaints with issue 'Incorrect information on your report' in the same window",
      "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?size=0&product=Credit%20reporting%20or%20other%20personal%20consumer%20reports&date_received_min=2025-09-01&date_received_max=2026-09-01&issue=Incorrect%20information%20on%20your%20report&no_aggs=true",
      "total": 3715169
    }
  ],
  "total": 6243735,
  "issues": [
    {
      "label": "Incorrect information on your report",
      "count": 3715169,
      "share": 0.595
    },
    {
      "label": "Improper use of your report",
      "count": 1300288,
      "share": 0.2083
    },
    {
      "label": "Problem with a company's investigation into an existing problem",
      "count": 1175885,
      "share": 0.1883
    },
    {
      "label": "Problem with fraud alerts or security freezes",
      "count": 21353,
      "share": 0.0034
    },
    {
      "label": "Unable to get your credit report or credit score",
      "count": 18391,
      "share": 0.0029
    },
    {
      "label": "Credit monitoring or identity theft protection services",
      "count": 7306,
      "share": 0.0012
    },
    {
      "label": "Problem with a company's investigation into an existing issue",
      "count": 4806,
      "share": 0.0008
    },
    {
      "label": "Identity theft protection or other monitoring services",
      "count": 537,
      "share": 0.0001
    }
  ],
  "incorrect_information": {
    "count": 3715169,
    "share": 0.595,
    "sub_issues": [
      {
        "label": "Information belongs to someone else",
        "count": 2448886,
        "share": 0.6592
      },
      {
        "label": "Account information incorrect",
        "count": 720203,
        "share": 0.1939
      },
      {
        "label": "Account status incorrect",
        "count": 323544,
        "share": 0.0871
      },
      {
        "label": "Personal information incorrect",
        "count": 132159,
        "share": 0.0356
      },
      {
        "label": "Information is missing that should be on the report",
        "count": 46591,
        "share": 0.0125
      },
      {
        "label": "Public record information inaccurate",
        "count": 24326,
        "share": 0.0065
      },
      {
        "label": "Old information reappears or never goes away",
        "count": 16077,
        "share": 0.0043
      },
      {
        "label": "Information is incorrect",
        "count": 3093,
        "share": 0.0008
      },
      {
        "label": "Information that should be on the report is missing",
        "count": 290,
        "share": 0.0001
      }
    ]
  },
  "company_responses": [
    {
      "label": "Closed with explanation",
      "count": 3934325,
      "share": 0.6301
    },
    {
      "label": "Closed with non-monetary relief",
      "count": 1982588,
      "share": 0.3175
    },
    {
      "label": "In progress",
      "count": 321702,
      "share": 0.0515
    },
    {
      "label": "Untimely response",
      "count": 4227,
      "share": 0.0007
    },
    {
      "label": "Closed with monetary relief",
      "count": 893,
      "share": 0.0001
    }
  ],
  "timely_responses": [
    {
      "label": "Yes",
      "count": 6237315,
      "share": 0.999
    },
    {
      "label": "No",
      "count": 6420,
      "share": 0.001
    }
  ],
  "bureaus": [
    {
      "label": "Equifax",
      "company_names": [
        "EQUIFAX, INC."
      ],
      "count": 1976243,
      "share": 0.3165
    },
    {
      "label": "Experian",
      "company_names": [
        "Experian Information Solutions Inc."
      ],
      "count": 1835115,
      "share": 0.2939
    },
    {
      "label": "TransUnion",
      "company_names": [
        "TRANSUNION INTERMEDIATE HOLDINGS, INC."
      ],
      "count": 2185059,
      "share": 0.35
    }
  ],
  "top_companies": [
    {
      "label": "TRANSUNION INTERMEDIATE HOLDINGS, INC.",
      "count": 2185059,
      "share": 0.35
    },
    {
      "label": "EQUIFAX, INC.",
      "count": 1976243,
      "share": 0.3165
    },
    {
      "label": "Experian Information Solutions Inc.",
      "count": 1835115,
      "share": 0.2939
    },
    {
      "label": "LEXISNEXIS",
      "count": 33080,
      "share": 0.0053
    },
    {
      "label": "CBC Companies, Inc.",
      "count": 26039,
      "share": 0.0042
    },
    {
      "label": "CAPITAL ONE FINANCIAL CORPORATION",
      "count": 11061,
      "share": 0.0018
    },
    {
      "label": "Fidelity National Information Services, Inc. (FNIS)",
      "count": 6822,
      "share": 0.0011
    },
    {
      "label": "Resurgent Capital Services L.P.",
      "count": 6245,
      "share": 0.001
    },
    {
      "label": "CITIBANK, N.A.",
      "count": 4838,
      "share": 0.0008
    },
    {
      "label": "BANK OF AMERICA, NATIONAL ASSOCIATION",
      "count": 4689,
      "share": 0.0008
    }
  ],
  "checks": {
    "issue_counts_sum_to_total": true,
    "incorrect_information_matches_filtered_query": true,
    "sub_issue_list_complete": true,
    "every_bureau_found": true
  },
  "caveats": [
    {
      "text": "This database is not a statistical sample of consumers’ experiences in the marketplace and these complaints are not necessarily representative of all consumers’ experiences with a financial product or company.",
      "source": "https://www.consumerfinance.gov/data-research/consumer-complaints/"
    },
    {
      "text": "When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.",
      "source": "https://www.consumerfinance.gov/data-research/consumer-complaints/"
    },
    {
      "text": "Only complaints sent to companies for response are eligible to be published and are only published after the company responds, confirming a commercial relationship or after 15 days, whichever comes first. The database generally updates daily.",
      "source": "https://www.consumerfinance.gov/data-research/consumer-complaints/"
    }
  ]
}