Owned by a group of the largest US banks (it also operates Zelle). Banks use its shared database to decide whether to let you open a checking or savings account. A negative entry here can follow you from bank to bank.
Rows mentioning Early Warning Services and the pattern's keywords — an indicative breakdown, not a census.
Request your free consumer report from Early Warning Services via its consumer services pages at earlywarning.com. After any adverse action you're entitled to a free copy under the FCRA — you never need to pay a third party to obtain it. The CFPB also keeps the authoritative directory of consumer reporting companies and their contact routes at consumerfinance.gov.
Full plain-English walkthrough on our home page.
Disputes fix errors. They don't erase history that's true — accurate records survive investigation. If the record is real, what helps is settling and documenting it, second-chance programs, and time. We built this site for honest people hit by wrong records.
Counts are complaint rows in the federal CFPB Consumer Complaint Database whose text mentions the company (case-insensitive scan of 27.8 million rows, 2026-08-10). Text mentions, not official per-company tallies — treat them as a relative signal of where consumers report problems. Source: files.consumerfinance.gov bulk data. Company descriptions checked August 2026. This is general information, not legal advice.