{
  "title": "2025 Credit Reporting Complaints: Issues and Investigation Problems",
  "publisher": "CreditHound",
  "source_name": "CFPB Consumer Complaint Database",
  "source_description_url": "https://www.consumerfinance.gov/data-research/consumer-complaints/",
  "source_api_url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?date_received_min=2025-01-01&date_received_max=2026-01-01&product=Credit+reporting+or+other+personal+consumer+reports%E2%80%A2Credit+reporting&size=1&no_aggs=false",
  "retrieved_at_utc": "2026-09-18T16:46:35.133540+00:00",
  "received_date_from_inclusive": "2025-01-01",
  "received_date_to_exclusive": "2026-01-01",
  "product": "Credit reporting or other personal consumer reports",
  "sub_product": "Credit reporting",
  "unit": "Published complaint records, not unique people, credit-report errors or proven violations",
  "total_complaint_records": 4800102,
  "issues": [
    {
      "issue": "Incorrect information on your report",
      "complaint_count": 2809657,
      "share_of_total_percent": 58.533277
    },
    {
      "issue": "Improper use of your report",
      "complaint_count": 1096097,
      "share_of_total_percent": 22.834869
    },
    {
      "issue": "Problem with a company's investigation into an existing problem",
      "complaint_count": 856417,
      "share_of_total_percent": 17.841642
    },
    {
      "issue": "Problem with fraud alerts or security freezes",
      "complaint_count": 15075,
      "share_of_total_percent": 0.314056
    },
    {
      "issue": "Unable to get your credit report or credit score",
      "complaint_count": 14870,
      "share_of_total_percent": 0.309785
    },
    {
      "issue": "Credit monitoring or identity theft protection services",
      "complaint_count": 7977,
      "share_of_total_percent": 0.166184
    },
    {
      "issue": "Dealing with your lender or servicer",
      "complaint_count": 4,
      "share_of_total_percent": 0.000083
    },
    {
      "issue": "Problems at the end of the loan or lease",
      "complaint_count": 2,
      "share_of_total_percent": 0.000042
    },
    {
      "issue": "Managing an account",
      "complaint_count": 1,
      "share_of_total_percent": 0.000021
    },
    {
      "issue": "Problem with a purchase shown on your statement",
      "complaint_count": 1,
      "share_of_total_percent": 0.000021
    },
    {
      "issue": "Struggling to repay your loan",
      "complaint_count": 1,
      "share_of_total_percent": 0.000021
    }
  ],
  "investigation_issue": "Problem with a company's investigation into an existing problem",
  "investigation_complaint_records": 856417,
  "investigation_sub_issues": [
    {
      "sub_issue": "Their investigation did not fix an error on your report",
      "complaint_count": 501566,
      "share_of_investigation_percent": 58.565629,
      "share_of_total_percent": 10.44907
    },
    {
      "sub_issue": "Investigation took more than 30 days",
      "complaint_count": 289891,
      "share_of_investigation_percent": 33.849281,
      "share_of_total_percent": 6.039267
    },
    {
      "sub_issue": "Was not notified of investigation status or results",
      "complaint_count": 33428,
      "share_of_investigation_percent": 3.903239,
      "share_of_total_percent": 0.696402
    },
    {
      "sub_issue": "Difficulty submitting a dispute or getting information about a dispute over the phone",
      "complaint_count": 15879,
      "share_of_investigation_percent": 1.85412,
      "share_of_total_percent": 0.330805
    },
    {
      "sub_issue": "Problem with personal statement of dispute",
      "complaint_count": 15653,
      "share_of_investigation_percent": 1.827731,
      "share_of_total_percent": 0.326097
    }
  ],
  "validation": {
    "total_relation": "eq",
    "timed_out": false,
    "failed_shards": 0,
    "issue_bucket_omitted_records": 0,
    "issue_bucket_error_upper_bound": 0,
    "issue_counts_sum_to_total": true,
    "investigation_sub_issue_counts_sum_to_parent": true,
    "independent_filtered_totals": [
      {
        "issue_filter": "Problem with a company's investigation into an existing problem",
        "request_url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?date_received_min=2025-01-01&date_received_max=2026-01-01&product=Credit+reporting+or+other+personal+consumer+reports%E2%80%A2Credit+reporting&size=1&no_aggs=true&issue=Problem+with+a+company%27s+investigation+into+an+existing+problem",
        "retrieved_at": "2026-09-18T16:47:27.456072+00:00",
        "total": {
          "value": 856417,
          "relation": "eq"
        },
        "timed_out": false,
        "failed_shards": 0
      },
      {
        "issue_filter": "Problem with a company's investigation into an existing problem•Their investigation did not fix an error on your report",
        "request_url": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?date_received_min=2025-01-01&date_received_max=2026-01-01&product=Credit+reporting+or+other+personal+consumer+reports%E2%80%A2Credit+reporting&size=1&no_aggs=true&issue=Problem+with+a+company%27s+investigation+into+an+existing+problem%E2%80%A2Their+investigation+did+not+fix+an+error+on+your+report",
        "retrieved_at": "2026-09-18T16:47:25.467201+00:00",
        "total": {
          "value": 501566,
          "relation": "eq"
        },
        "timed_out": false,
        "failed_shards": 0
      }
    ]
  },
  "limitations": [
    "The CFPB database is not a representative sample of all consumers.",
    "A complaint is an allegation, not a verified error, legal violation, qualified case or successful claim.",
    "Complaint records are not deduplicated to unique consumers or underlying disputes.",
    "Issue and sub-issue labels are preserved from the public database; this analysis does not recode them.",
    "The denominator is the selected published credit-reporting complaint records; it excludes the other-personal-consumer-report sub-product.",
    "The database can change after retrieval, so this is a dated snapshot rather than a live total.",
    "No narratives, names, contact details, complaint IDs, states, ZIP codes or company-level rankings are included.",
    "A company response or timely response is not proof that the underlying report was corrected."
  ]
}