Correction Ledger · earned, never bought
Companies whose record actually changed.
We only write down what the CFPB database shows. When a company's handling improves under one of the published rules below, it gets a dated entry here and a marker on its Record — with the exact before/after figures. Paying us for a Diagnosis tells a company what to fix; it never buys a line on this page.
Documented improvements (23)
- American Express Companyfirst recorded 2026-10-24
- Open complaints 118 (2026-09-24) → 83 (2026-10-24) (−30%)
- Huntington National Bank, Thefirst recorded 2026-10-24
- Open complaints 48 (2026-09-24) → 36 (2026-10-24) (−25%)
- Equifax, Inc.first recorded 2026-10-24
- Open complaints 68,566 (2026-09-25) → 30,475 (2026-10-25) (−56%)
- Citizens Financial Group, Inc.first recorded 2026-10-23
- Open complaints 44 (2026-09-24) → 24 (2026-10-24) (−45%)
- Equifax, Inc.first recorded 2026-10-23
- Open complaints 71,501 (2026-09-24) → 30,475 (2026-10-24) (−57%)
- Bth Managementfirst recorded 2026-10-18
- Open complaints 21 (2026-09-24) → 8 (2026-10-24) (−62%)
- Checkr, Incfirst recorded 2026-10-18
- Open complaints 28 (2026-09-24) → 18 (2026-10-24) (−36%)
- Resurgent Capital Services L.P.first recorded 2026-10-18
- Open complaints 51 (2026-09-24) → 33 (2026-10-24) (−35%)
- America First Federal Credit Unionfirst recorded 2026-10-14
- Timely response rate 74.5% → 95.6% (+21.1 pts)
- Robinhood Markets Inc.first recorded 2026-10-13
- Untimely responses 28 → 10 (−64%)
- Lexisnexisfirst recorded 2026-10-11
- Untimely responses 31 → 8 (−74%)
- Open complaints 40 (2026-09-24) → 26 (2026-10-24) (−35%)
- Shellpoint Partners, Llcfirst recorded 2026-09-30
- Timely response rate 63.3% → 79.8% (+16.5 pts)
- Untimely responses 409 → 204 (−50%)
- Westcreek Financialfirst recorded 2026-09-28
- Untimely responses 153 → 66 (−57%)
- Rosebud Economic Development Corporationfirst recorded 2026-09-26
- Untimely responses 29 → 14 (−52%)
- Possible Financial Incfirst recorded 2026-09-21
- Untimely responses 33 → 0 (−100%)
- Professional Debt Mediation, Inc.first recorded 2026-09-18
- Untimely responses 97 → 12 (−88%)
- Servicer Under Contract With Federal Student Aidfirst recorded 2026-09-18
- Untimely responses 1,779 → 626 (−65%)
- Solar Mosaic Llcfirst recorded 2026-09-18
- Untimely responses 67 → 4 (−94%)
- Synchrony Financialfirst recorded 2026-09-18
- Untimely responses 234 → 37 (−84%)
- Waypoint Resource Group, Llcfirst recorded 2026-09-18
- Timely response rate 62.2% → 77.8% (+15.6 pts)
- Untimely responses 191 → 56 (−71%)
- Mohelafirst recorded 2026-09-18
- Timely response rate 24.5% → 73.4% (+48.9 pts)
- Untimely responses 1,813 → 519 (−71%)
- Imprint Payments, Inc.first recorded 2026-09-18
- Timely response rate 17.6% → 80.4% (+62.8 pts)
- Untimely responses 211 → 21 (−90%)
- Open complaints 151 (2026-09-24) → 97 (2026-10-24) (−36%)
- Bank Of America, National Associationfirst recorded 2026-09-18
- Untimely responses 49 → 16 (−67%)
The rules (ledger-2026-06-v1)
Recent = complaints received in the last 90 days; prior = the 90 days before that. Open = complaints received in the last 24 months still marked 'In progress' by the CFPB, tracked daily.
- Timely response rate up at least 10 percentage points, with at least 50 complaints in each window (CFPB 'timely' field).
- Untimely responses down at least 50% with at least 20 untimely in the prior window.
- Open (no final answer) complaints down at least 25% versus 30+ days ago, with at least 20 open at the start (requires our daily history).
Any one rule met = 'Documented improvement', shown with the exact before/after figures and dates. Complaint volume is reported but never counted as improvement — fewer complaints is not the company's doing.
Embed a badge: <img src="https://alphacovenantholdings.com/api/ledger/badge/your-company-slug.svg" alt="Documented improvement — Alpha Covenant Correction Ledger"> — it only renders while the improvement is on record.