{
  "title": "Credit reporting complaints: 2024 to 2025 comparison of investigation-related records",
  "publisher": "CreditHound",
  "source_name": "CFPB Consumer Complaint Database",
  "source_description_url": "https://www.consumerfinance.gov/data-research/consumer-complaints/",
  "source_api_documentation_url": "https://cfpb.github.io/api/ccdb/api.html",
  "source_field_documentation_url": "https://cfpb.github.io/api/ccdb/fields.html",
  "retrieved_date_utc": "2026-09-28",
  "filters": {
    "product": "Credit reporting or other personal consumer reports",
    "sub_product": "Credit reporting",
    "investigation_issue": "Problem with a company's investigation into an existing problem",
    "not_fixed_sub_issue": "Their investigation did not fix an error on your report",
    "date_field": "date_received",
    "year_2024": {
      "from_inclusive": "2024-01-01",
      "to_exclusive": "2025-01-01"
    },
    "year_2025": {
      "from_inclusive": "2025-01-01",
      "to_exclusive": "2026-01-01"
    }
  },
  "unit": "Published complaint records (consumer allegations). Not unique consumers, verified errors, violations, failure rates, a population sample, CreditHound leads or qualified cases.",
  "formula": {
    "absolute_change": "count_2025 - count_2024",
    "percent_change": "(count_2025 - count_2024) / count_2024 * 100",
    "share_percent": "numerator_count / denominator_count * 100",
    "percentage_point_change": "(numerator_2025 / denominator_2025 - numerator_2024 / denominator_2024) * 100, computed from the integer counts and rounded once to six decimals"
  },
  "counts": [
    {
      "measure": "total_selected_records",
      "label": "All selected credit-reporting complaint records",
      "count_2024": 2359274,
      "count_2025": 4800102,
      "absolute_change": 2440828,
      "percent_change": 103.456741
    },
    {
      "measure": "investigation_issue_records",
      "label": "Problem with a company's investigation into an existing problem",
      "count_2024": 456517,
      "count_2025": 856417,
      "absolute_change": 399900,
      "percent_change": 87.598052
    },
    {
      "measure": "not_fixed_sub_issue_records",
      "label": "Their investigation did not fix an error on your report",
      "count_2024": 255848,
      "count_2025": 501566,
      "absolute_change": 245718,
      "percent_change": 96.040618
    }
  ],
  "shares": [
    {
      "measure": "investigation_share_of_total",
      "label": "Investigation-related records as a share of all selected records",
      "numerator": "investigation_issue_records",
      "denominator": "total_selected_records",
      "share_2024_percent": 19.349893,
      "share_2025_percent": 17.841642,
      "percentage_point_change": -1.508252
    },
    {
      "measure": "not_fixed_share_of_investigation",
      "label": "Not-fixed sub-issue as a share of investigation-related records",
      "numerator": "not_fixed_sub_issue_records",
      "denominator": "investigation_issue_records",
      "share_2024_percent": 56.043477,
      "share_2025_percent": 58.565629,
      "percentage_point_change": 2.522152
    },
    {
      "measure": "not_fixed_share_of_total",
      "label": "Not-fixed sub-issue as a share of all selected records",
      "numerator": "not_fixed_sub_issue_records",
      "denominator": "total_selected_records",
      "share_2024_percent": 10.844353,
      "share_2025_percent": 10.44907,
      "percentage_point_change": -0.395283
    }
  ],
  "caveats": [
    "Counts are published complaint records, which are consumer allegations. They are not unique consumers, verified errors, violations, failure rates, a population sample, CreditHound leads or qualified cases.",
    "The same exact product, sub-product, issue and sub-issue labels are used for both years. 2024 to 2025 is the earliest adjacent full-year pair available under this exact current taxonomy. No older categories are mapped or mixed, and two years are not a longer trend.",
    "The CFPB states that the database is not a statistical sample and is not representative of all consumers' experiences.",
    "The CFPB generally updates the database daily. The 2024 and 2025 comparison counts were retrieved on 2026-09-28 UTC and may change later.",
    "The detailed 2025 issue and sub-issue tables on the page come from a separate snapshot retrieved on 2026-09-18 UTC; its 2025 totals match the comparison counts."
  ]
}