Methodology · how we source this
Every number, reproducible.
Same source, same formula, same result for anyone who checks — as of the pull time printed on the Record. Nothing is hidden, weighted by opinion, or changed by payment.
Freshness, stated plainly. The CFPB updates daily; we re-pull each company or state every 12–24 hours and cache it. So a Record can trail the CFPB's live site by up to a day, and the two can disagree at any given moment. Every Record prints the time its numbers were pulled; that timestamp, not the CFPB's live counter, is what our figures are reproducible against. Hospital, doctor, carrier, and drug lookups are pulled live at the moment you load the page.
Screening receipt sources — what a receipt reads
A file we hold shows the date we fetched it, its row count and SHA-256 as the loader reports them. A live lookup shows whether the official endpoint answered in the last ten minutes. A source marked not read is printed as not read on the receipt — nothing stands in for it. Reachability is about the source, never about a name.
12 of 14 held files read · 19 of 20 live sources reachable at Nov 11, 2026, 4:12 AM
What is counted here: the files this platform holds and the official endpoints it queries. The receipt itself prints twenty-three checks — one check can read several of these files (the federal-lists check reads five), and a few files feed identity or facility blocks rather than a counted check — so the two numbers describe different things and are not meant to agree.
fetched 2026-11-10 · 169,181 rows · SAM_Exclusions_Public_Extract_V2_26314.ZIP · 42a5ce4b4802… · GSA, daily
fetched 2026-11-08 · 84,093 rows · 7483d47bc487… · HHS-OIG, monthly
fetched 2026-11-10 · 19,563 rows · 7f43332dae0d… · Treasury, as issued
fetched 2026-11-11 · 1,375 rows · 09ce8b072f00… · each state, daily re-read
fetched 2026-11-10 · 6,702 rows · da10acb7fe6e… · ITA / FDA, daily re-read
fetched 2026-11-11 · 1,247,443 rows · a28638a5550e… · IRS, weekly re-read
fetched 2026-09-29 · 1,048,575 rows · dcf14ad33067… · SCC, as published
fetched 2026-11-11 · 8,340 rows · 135e1c021e49… · Data Rescue Project custody, pinned
this file is read in-process (DuckDB/parquet) and is not loaded on the current production tier (lean mode, 2026-10-18); receipts print this source as not read with the date it was last loaded
this file is read in-process (DuckDB/parquet) and is not loaded on the current production tier (lean mode, 2026-10-18); receipts print this source as not read with the date it was last loaded
fetched 2026-11-11 · 333 rows · 0c0d3d4a42a7… · HHS-OIG, as published
fetched 2026-09-30 · 312,179 rows · MASTER.txt · 595334781c17… · FAA, daily file
fetched 2026-11-10 · 5,103 rows · ac29ec425cc0… · PHMSA / NRC, daily re-read
fetched 2026-11-10 · 1,007 rows · 93c239ab2cee… · UN, daily re-read
Known limits — what these sources cannot tell you
No payment can change what a source returned, and no payment can hide what a source cannot tell you. A limit is a disclosed boundary, never an excuse: the platform still reads everything a source can tell it.
Script-free copy: /api/public-record/known-limits/html · JSON: /api/public-record/known-limits
| Source | Access | What it cannot tell you | Stated by |
|---|---|---|---|
| SAM.gov Exclusions (Public Extract) | read | Exact printed name or UEI only, no fuzzy matching; law-enforcement-withheld and classified records are not in the public extract; a name's absence is not proof that no same-named party exists elsewhere. | constraint source |
| HHS-OIG LEIE | read | Monthly file; individuals matched by exact name (plus NPI when the record carries one), never by SSN or date of birth; state-only Medicaid exclusions that never reach LEIE are not here. | constraint source |
| OFAC Specially Designated Nationals (SDN) | read | The SDN list only; other Consolidated Sanctions List parts are read separately. Exact printed name; transliteration and alias variants are not fuzzy-matched. | constraint source |
| State Medicaid exclusion / termination lists | read | Only the states that publish a machine-readable list are read; coverage is partial and per-state, not all fifty states. | constraint source |
| Consolidated Screening List · FDA Debarment | read | As published by ITA and FDA; exact printed name. The CSL aggregates several agency lists whose own scopes differ. | constraint source |
| UFLPA Entity List (FLETF) | read | Read from the complete list in the appendix to the latest Federal Register notice, because dhs.gov serves the list to browsers only. Exact printed name or alias as the notice prints it. The list names entities; it does not trace goods, and CBP's rebuttable presumption is CBP's act, not this receipt's. | constraint source |
| FARA active registrants (DOJ) | read | Registrants with an active registration, exact printed name, from DOJ's eFile API. A registration is a disclosure that the registrant acts for a foreign principal — not a sanction or finding. Foreign principals and individual short-form registrants are not in the API we can read (404) and are named as not read. | constraint source |
| DoD Section 1260H list | read | Entities and the statutory basis as the latest Federal Register designation notice prints them, because media.defense.gov serves the PDF to browsers only. Exact printed name or alias in the notice. DoD updates at least annually; the receipt shows the notice date. | constraint source |
| OSHA inspections (DOL Enforcement API) | live | Inspections opened in the last five years where the establishment name equals the exact printed name; names containing the typed words are listed as candidates, not counted. An inspection is a visit, not a violation — citations are on OSHA's detail page. Establishment names are typed by the inspecting office, so one employer prints under many spellings. The DOL API rate-limits (HTTP 429); when it does, receipts print did not answer for up to an hour and nothing stands in for it. Cached 24 h per name. The SVEP log is offline and not read. | constraint source |
| PHMSA pipeline enforcement cases | read | Every case in PHMSA's raw data file, matched on the printed operator name. A case is a proceeding; the file's own status and latest-order fields say where it stands, and penalties are shown as proposed, assessed and collected separately. Operators are pipeline companies — a supplier to one is not in this file. | constraint source |
| NRC significant enforcement actions | read | Escalated actions as the NRC's pages index them, by facility or company heading; the licensee's corporate name is often only in the description, so descriptions that mention the exact name are listed as mentions, not counted. Actions against individuals are a separate collection and are not read. Hashed as parsed because the NRC publishes no file. | constraint source |
| UN Security Council Consolidated List | read | The UN's official XML, held and hashed; entities by exact printed name or alias, individuals of the same printed name shown and not counted. The measures that apply are each sanctions committee's. EU and UK consolidated lists are not read (both publish behind registration tokens); OFAC SDN is read separately. | constraint source |
| OSHA Severe Violator Enforcement Program log | not_read | OSHA has taken the public SVEP log offline while the program is updated (checked 2026-10-04); nothing stands in for it. OSHA inspection records are read from the DOL API instead. | constraint source |
| FERC civil penalty actions / NERC Notices of Penalty | not_read | ferc.gov answers programs with HTTP 403 and eLibrary publishes no bulk penalty file; listed under not read with the official page. A utility's NERC reliability-standard record is between the utility, its Regional Entity and FERC. | constraint source |
| CBP Enforce and Protect Act (EAPA) investigations | not_read | cbp.gov answers programs with HTTP 403 and EAPA notices are PDFs for browsers only; listed under not read with the official page. | constraint source |
| FCC Covered List (Section 889 / 47 CFR 1.50002) | not_read | fcc.gov answers programs with HTTP 403 and no machine-readable federal file carries the list; it is listed under not read with the official page. The Section 889 use-representation is the offeror's own statement in SAM, not a public-record lookup. | constraint source |
| CFPB Consumer Complaint Database | live | Company field equals the exact name; the CFPB spells company names its own way, so candidates containing the words typed are listed, not counted. A complaint is a consumer's account forwarded to the company, neither verified nor adjudicated by the CFPB; counts scale with customer base. | constraint source |
| FDA Enforcement Reports (recalls, openFDA) | live | Recalling-firm field equals the exact name across the food, drug and device endpoints. A recall is a classified product action FDA published, many voluntary; no row under this spelling is not no recall under FDA's spelling. | constraint source |
| IRS TEOS — Automatic Revocation · Publication 78 | read | Exact legal name or EIN. Publication 78 lists deductibility of contributions, not every tax-exempt entity; absence is not a statement about a party's exemption. | constraint source |
| Virginia SCC business entity files | read | Virginia registrations only; a business formed in another state will not appear here. | constraint source |
| Rescued facility layers (HIFLD-derived) | read | Pinned, previously public versions held in Data Rescue Project custody; not a currently DHS-endorsed or live feed, and stale by design — the pinned date is printed. | constraint source |
| Florida Sunbiz corporate registry | read | Florida registrations only; exact printed name or document number. | constraint source |
| CMS Medicaid Provider Spending by NPI | read | A per-NPI total this platform aggregates from CMS's official row-level file for one data year; it is not a CMS-published per-provider figure and is bounded to the years read. | constraint source |
| HHS-OIG Corporate Integrity Agreements | read | Exact printed party name from the public browse list; settlement amount, duration and dates are as OIG publishes them; the agreement's specific obligations are those in the signed document. | constraint source |
| USAspending recipients & awards | live | Exact recipient name; recipient-name variants and parent/child rollups are not resolved by this platform; figures are as federal agencies reported them. | constraint source |
| USAspending subawards (prime-to-sub money flow) | live | Sub-awards by exact sub-awardee name; USAspending's search is a contains-search, so only exact-name rows are counted; amounts and prime-award ids are USAspending's own reported values. | constraint source |
| Federal Audit Clearinghouse (single audits) | live | Exact name; the API can time out, in which case the receipt prints did not answer — never no match. | constraint source |
| HHS OCR breach portal | live | Only breaches affecting 500 or more individuals are posted; smaller breaches are not in this portal. | constraint source |
| EPA ECHO facility search | live | Facility name / registry match; environmental-program coverage varies by facility and medium, and unpermitted activity is not represented. | constraint source |
| EPA ECHO — Clean Water Act (NPDES) water permits | live | NPDES water-discharge permits by exact facility name; facilities permitted only under a state program ECHO does not surface will not appear, and holding a permit is not a violation. | constraint source |
| SEC EDGAR registrants and filings | live | Only SEC registrants and filers; private companies that never filed are absent. Matched by name or CIK. This source is EDGAR, not SEC litigation releases. | constraint source |
| CMS NPPES NPI Registry | live | Exact NPI only; a directory of providers, not a screen for exclusion, sanction or discipline. | constraint source |
| CMS Medicare public-use files by NPI | live | Public-use FFS, Part D and enrollment files by exact NPI; totals are the files' own published values. The CMS Preclusion List is not in these files — see its own row. | constraint source |
| CMS Preclusion List | gated | Restricted to Medicare Advantage / Part D plans holding a valid Health Plan ID; this platform holds none, so it is printed as not read on every provider receipt — never as no match. | constraint source |
| CMS Open Payments | live | Exact NPI; payments as industry reported them, including any reported disputes; it does not establish that a relationship was improper. | constraint source |
| CMS Care Compare facilities by CCN | live | Facilities by exact CCN or printed name; star ratings are CMS's own published values, not this platform's rating. | constraint source |
| Senate LDA lobbying registrations | live | Registrations and reports as filed under the Lobbying Disclosure Act; exact name; unregistered activity is not represented. | constraint source |
| FEC committees | live | Registered political committees; exact name. The shared demo API key is rate-limited, which can show as reachable-but-quota-used. | constraint source |
| SAM.gov entity registration / FAPIIS (UEI) | live | Exact UEI; this reads the PUBLIC FAPIIS / FAR 52.209-7 integrity records (proceedings, disclosure questions). A zero count means none are posted, not that none occurred. The API enforces a daily quota; when used up the receipt prints did not answer, never no match. | constraint source |
| CPARS contractor performance evaluations | gated | CPARS past-performance RATINGS (the government's own quality/timeliness/cost/management scores) are not public — access is restricted to authorized federal agency users. They cannot be shown on a receipt; only the public FAPIIS integrity records above are read. | constraint source |
| State professional licenses & disciplinary actions (WA, CO, NY, TX) | live | Four state boards read live (WA credential + action, CO license status, NY medical-conduct actions, TX license + disciplinary status), matched by exact first and last name; state boards carry no NPI, so there is no NPI join, and a license absent here may exist in a state not read. | constraint source |
| IRS Form 990 nonprofit financial facts | live | The organization's own IRS Form 990 figures by tax year (via ProPublica's republication of IRS 990 data), read by EIN or exact name. Self-reported and AS FILED — not verified or audited by this platform; the IRS has documented data-quality issues in e-filed returns. Officer/executive compensation is shown as filed and never characterized. No ratio or score is computed. | constraint source |
| FAA Aircraft Registry (releasable database) | read | Aircraft registered to an exact printed registrant name in the FAA's official Releasable Aircraft MASTER file. The FAA prints names in its own order (companies by registered name; individuals as LAST FIRST MIDDLE), so it is strongest for corporate/LLC owners; per 49 U.S.C. 44114(b) some private owners' details are withheld, so absence is not proof of none. Location and registrant type are shown to help confirm identity. | constraint source |
| PHMSA pipeline incident data | not_read | PHMSA publishes pipeline incident data as non-tabular downloads with no name-queryable official API, and the download page blocks automated retrieval; with no paid resolver used, it is printed as not read, never as no incidents. | constraint source |
| County/local jail medical & service contracts | not_read | County and local jail contracts (correctional healthcare, commissary, EHR, etc.) are scattered across individual county procurement portals with no unified official API; this platform reads no county-PDF scraper and no paid aggregator. The vendor itself (e.g. a correctional-healthcare company) is fully screened as an entity here, and its federal and state dollars appear via USAspending, subawards, and state checkbooks — but a specific county jail contract that is not published as open data is printed as not read. | constraint source |
| People-level jail / inmate records | not_read | Individual-level jail and inmate data is access-restricted (BJS individual data is largely restricted; the BOP Inmate Locator has no official API). By doctrine this platform does not build people-level correctional records — only entity-level vendor and facility facts, never a person's incarceration record. | constraint source |
| DEA registrant actions — Decision and Order notices (Federal Register) | live | Final DEA orders as published in the Federal Register (the DEA Diversion administrative-actions page points to this index), by exact printed party name in the notice title, also compared with DEA's credential suffix (', M.D.') removed. The order's outcome is quoted verbatim from the notice — never labelled by this platform. Show-cause orders, hearings and state-board actions are not here; names are printed as DEA printed them, so a same-named party is an ambiguity candidate, not a match. | constraint source |
| DEA Controlled Substances Act registrant database | gated | The CSA registrant file (registrant name, address, DEA number, business activity, schedules, status) stopped being a public NTIS product in November 2020; DEA now releases it only to approved applicants under an annual Data Use Request, and a 'limited' set without DEA numbers to need-to-know applicants. This platform holds no such approval, so whether a party currently holds a DEA registration is printed as not read — never as no registration. | constraint source |
| SAMHSA / HRSA population and program statistics (NSDUH, HAB, ADAP reports) | not_read | NSDUH prevalence estimates, HRSA HIV/AIDS Bureau performance measures and ADAP program reports are aggregate statistics by state, region or program — they carry no entity key (no name, NPI, UEI or EIN) and cannot be joined to any party on a receipt. They are not read, and their absence says nothing about a party. SAMHSA's Treatment Services Locator is a search interface over the same facility directory, not a separate record source. | constraint source |
| People-level HIV/AIDS program client records (Ryan White, ADAP) | not_read | Client-level Ryan White and ADAP data reported to HRSA is privacy-protected and released only in aggregate. By doctrine this platform does not build people-level health, treatment or program-participation records about anyone — only entity-level provider and funding facts (Ryan White award dollars to a provider appear via USAspending). Nothing stands in for this. | constraint source |
| State business registries (live) | live | Five states read live (CT, CO, NY, OR, PA), exact name; other states are not covered by this live path. | constraint source |
| State UCC liens & state vendor/checkbook payments | live | UCC by exact debtor name in Connecticut only (Colorado publishes no party names, Oregon only secured-party names); payments by exact vendor name in Vermont, Delaware and Connecticut only. | constraint source |
| OpenCorporates (Treasury Do Not Pay-designated) | paid | A commercial license and API token are required; none is configured here, so this source prints did not answer — not a statement that no registry record exists. | constraint source |
Not a statement about any party. A limit describes what a source cannot tell you, never what a name did or did not do.
A read receipt, not a payment receipt
Government financial systems file five kinds of receipt — portal transaction records, bank settlement confirmations, filing acknowledgements, ERP system confirmations, and paper vouchers. All five prove that money moved or that something was submitted. This receipt is none of them. It proves one thing only: what an official public source printed for an exact name or key on a dated read, hashed so it can be re-run. It sits before the payment — it is the dated document the suspension-and-debarment test asks for (2 CFR 180.300), where an ERP log that "the check ran" is not. It does not substantiate an expense for tax purposes, does not prove a payment settled, and does not prove a form was filed.
The forms layer — how a receipt is tied to a line
A requester may name up to six form lines from the register on any receipt (?forms=, the partner body field, or a roster CSV column). The block prints the form, the line, the citation, the official page, what the receipt is for that line and what it does not prove, and is inside the SHA-256 body — naming a form never changes what is read. Each form carries its procedure as the regulation writes it (actor, trigger, record, retention, the auditor's test, cited), the cited sections as the eCFR serves them with amendment dates and a hash, and the FAC count of findings of that type by year. Sector Maps compose these per situation; the Government Desk lists the official systems and their published help lines; the dialect defines the terms by their sections. Governed by SOP-15.
1. Consumer-record sources and refresh cadence
Company complaint counts, trends, issues, open files, outcomes; The Unanswered; state and industry pages
Carrier status, fleet, inspections, out-of-service rates, crashes
Hospital and nursing-home ratings, inspections, staffing; posted prices
Bill Check and drug Records — what pharmacies actually pay for a drug
Doctor identity and disclosed manufacturer payments
Adverse-event reports, drug identity, recalls
Federal court record counts — shown as context, never scored
TrustCheck lookups
Fuel trends for carriers
2. Consumer-record source reachability right now
Government sites get slow or rate-limit from time to time. When one is unreachable, Records show the last successful pull with its timestamp — nothing is invented to fill the gap.
Checking sources…
3. How a company name becomes a CFPB record
The CFPB files complaints under a company's registered name, often the parent. “Midland Credit Management” is filed under “Encore Capital Group Inc.” We match in this order and always show which step matched:
- Company-field match — the CFPB lists a company by this name. High confidence.
- Complaint-text match — consumers name this company in complaints filed under another registered entity. Accepted only when one registered company holds at least 50% of at least 25 matching complaints in the last 3 years. The Record then shows the registered entity's figures and says so. Medium confidence.
- No match — we say the name does not appear. We never guess and never show a zero as if it were a record.
3b. Match register — every source, its key, and when we decline
For every official source the platform reads, this register states the identifier it keys on, the rule for matching a typed name to that source, and the cases where it declines. A link between two sources is made only when both sides carry the same official key or the same verbatim name; similarity is never enough. Where the rule fails, the record says 'no match' and shows nothing.
CFPB names checked: 1,167 · high 634 · medium 0 · declined (no figures shown) 533 (45.7%) · rule version 2026-06d · carriers keyed on USDOT: 679Names checked against the CFPB company list under the current rule version 2026-06d, by the confidence the rule assigned; matches made under retired rules are not counted. 'none' means the platform showed no figures rather than a guess.
| Source | Keyed on | Match rule | Declines when | Version · refresh |
|---|---|---|---|---|
| CFPB Consumer Complaint Database | CFPB registered company name | Company-field match: the CFPB lists a company by this name (high). Known consumer-facing aliases are used only after the target is verified in the CFPB company list. Complaint-text match only when one registered company holds ≥50% of ≥25 matching complaints (medium). Otherwise 'no match'. | Generic financial words alone (bank, national, association, trust…) never form a match; a cached match that fails the same-entity check is discarded, not reused. | 2026-06d · daily |
| FMCSA SAFER / QCMobile | USDOT number | Records are keyed on the USDOT number only. A name search returns FMCSA's own candidates with city and state; the reader picks one. No record is opened from a name alone. | USDOT numbers are never joined to a company, bank or SEC registrant by name; a carrier record and a company record of the same name are shown as two records. | snapshot-schema current · 7 days per carrier; changes logged as history |
| FMCSA Motor Carrier Census (data.transportation.gov) | USDOT number + add_date | Rows are listed exactly as the census file reports them for the date named; the newest date is labeled as still filling. | When the service throttles, the last pulled list is shown with its pull time; nothing is estimated. | az4n-8mr2 · 6 h day list, 24 h rows |
| FDIC BankFind and Call Report financials | FDIC certificate number | Bank records are keyed on the FDIC cert. A name search shows FDIC's candidates with city, state and active status; the reader picks one. | Holding companies are shown only as the FDIC lists them (NAMEHCR); no holding-company or affiliate figures are folded into the bank. | bank-2026-06 · daily identity; quarterly financials as filed |
| Federal Reserve Board enforcement actions | Exact FDIC institution name | An action is listed only where the Fed's 'Banking Organization' text equals this FDIC name. | Orders naming a holding company or another affiliate are not attributed to the bank; the primary-regulator search link is given instead. | bank-2026-06 · daily |
| CFPB HMDA (mortgage lending) | LEI from the HMDA filer list, found by exact name | The lender's LEI is taken from the HMDA filer list only where the filer name equals the FDIC name; counts are then pulled by LEI. | If the exact name is not on the filer list the section says so; no nearby filer is substituted. | bank-2026-06 · annual HMDA years as published |
| USAspending.gov federal awards | Recipient name as registered in SAM; UEI as published | Awards are counted only for recipients whose name equals the searched name after suffix normalization; UEIs and parents are shown exactly as USAspending publishes them. | Recipients the name search returned but that did not equal the name are listed as 'not counted' and their UEIs are not emitted as identifiers. | 2026-06c · 24 h shared cache |
| CISA Known Exploited Vulnerabilities | vendorProject | A KEV entry is attributed only where CISA's vendorProject equals the entity's name after removing corporate suffixes. | Products of subsidiaries or brands are not attributed; a KEV entry describes a product, not whether any organization was affected. | cyber-2026-06 · 6 h |
| EPA ECHO facility records | EPA FRS Registry ID; facility name as EPA prints it | ECHO's own name search is run; only rows whose printed facility name equals the query are marked exact. Every row links to EPA's Detailed Facility Report by Registry ID. | Rows that merely contain the words are shown as 'contains', never counted as the entity; no roll-up across facilities to a company; EPA's status field is printed, not interpreted. | echo-2026-06 · 24 h |
| OpenCorporates legal-entity registry (DNP-designated U.S. dataset) | Registered name + jurisdiction + company number | OpenCorporates' company search; exact = registered name equals the query. Shown as identity context beside the checks, never as a match to a list entry. | Officers, parents and subsidiaries are not linked to list entries; a same-named filing in another state is 'other', not the entity. Absent an API token the block says so. | registry-2026-06 · 24 h |
| CMS NPPES NPI Registry | NPI (exact); first + last name within one state for counts only | With an NPI: the NPPES record as printed (name, type, taxonomy, state, status, deactivation). Without: the number of individual NPI holders of the exact first and last name in the state — an ambiguity count beside a state row printed without an NPI. | Never picks one holder for a printed-name row; a count of 1 is still not an identification; organizations are not resolved by name here. | nppes-2026-06 · 24 h cache |
| Consolidated Screening List (trade.gov) — BIS, State, Treasury non-SDN lists | Name or alt name exactly as the list prints it | Exact printed name against name and alt-name fields of every list in the CSV except OFAC SDN (read directly as its own check). Entry printed with its list, program and Federal Register notice. | No fuzzy or partial matching; SDN rows skipped here to avoid double counting; a shared name is not a shared party. | fedlists-2026-06 · 24 h |
| FDA Debarment List (21 U.S.C. 335a) | Firm name as FDA prints it; individuals by printed name only | Firms: exact printed name, counted. Individuals: FDA publishes no NPI, so same-printed-name rows are shown separately and never counted as an identity match. | No individual identity is asserted; the table is HTML and is hashed as parsed, which is printed. | fedlists-2026-06 · 24 h |
| State business registries — open data (CT, CO, NY, OR, PA live; VA and FL from the states' own files) | Registered name exactly as the state prints it; registry number printed per row | Exact registered name (case-insensitive) in each state's own open-data file; Colorado's ', Delinquent <date>' suffix is the state's own and is matched; one filing = one line (OR and PA print one row per address). | No prefix or fuzzy matching on the receipt; no agents or officers shown; no statement about the 43 states and DC without a readable file; a filing is never presented as the same party as a list entry. | stateregistry-exact-2026-06b · live per receipt; VA files weekly |
| SEC EDGAR (registrant submissions index) | CIK when supplied; otherwise exact printed registrant name in EDGAR's entity index | With a CIK: that registrant's submissions record. Without: registrants whose EDGAR-printed name (ticker list stripped) equals the exact name; several registrants of one name are listed separately by CIK. | No fuzzy or partial name matching; no interpretation of filings; former names printed as EDGAR prints them with their date ranges. | sec-2026-06 · live per receipt |
| IRS Tax Exempt Organization Search — Automatic Revocation list and Publication 78 data (bulk files) | EIN when supplied; otherwise exact printed legal name, labelled | With an EIN: the rows the IRS prints under that EIN in each file. Without: rows whose legal name equals the exact printed name; each row carries its own EIN so different organizations of one name stay separate. | No fuzzy or partial matching; absence from Publication 78 is never printed as 'not exempt'; a revocation entry is a filing fact under §6033(j), not a finding; a reinstatement date is printed where the IRS prints one. | irs-2026-06 · weekly (IRS posts monthly) |
| HHS OCR breach report portal | Covered-entity name as filed | A breach report is attributed only where the covered-entity name filed with OCR equals the entity's name after removing corporate suffixes. | Business associates named inside a report are not given their own attribution; a report is a filing, not a finding. | cyber-2026-06 · 24 h |
| CMS Hospital General Information | CMS facility name and CCN | Hospital candidates are CMS's own rows for the typed name; the reader picks one. | If CMS does not answer, the page says so and keeps the hospital intent rather than opening a company or carrier of the same name. | resolver current · per query, 12 s budget |
| NPPES / CMS Open Payments (physicians) | NPI | A provider is keyed on the NPI. Name searches return NPPES candidates; 'other name' matches are labeled as such. | Payments are shown only for the NPI opened; same-name providers are separate records. | current · per query |
| openFDA labels, recalls, NDC, FAERS | Brand / generic name and NDC as listed by FDA | Drug records use the FDA-listed brand or generic; recalls are matched to the exact firm or product name in the FDA record. | Shortage figures are not shown from retired endpoints; a source that 404s is reported, not backfilled. | current · per query with cache |
| Census Bureau state & local government finance; ACS population | State code; GOVTYPE 001 | State figures are the Census lines for the state code; per-resident figures divide by ACS population with the formula shown. | No county or city totals are produced because the API does not publish them. | statemoney v2 · as Census publishes |
| SAM.gov Exclusions (public extract V2) | Exact firm name as printed, or UEI | Firm, special-entity and vessel rows are stored verbatim from the daily extract; a lookup matches the exact name (case-insensitive) or the exact UEI. | Individuals are not stored or matched; similar names, owners and affiliates are never attributed; 'no entry' is stated with the extract date, never as 'eligible'. | sam-2026-06 · daily |
| U.S. Treasury OFAC SDN list | Exact listed name, or exact listed alias (ALT.CSV) | SDN and alias files stored verbatim; a lookup matches the exact listed name or an exact alias, and alias matches are labelled as such. | No similarity matching; the consolidated non-SDN lists are not read; 'no entry' is stated with the file date, never as 'unsanctioned'. | ofac-2026-06 · 24 h |
| HHS OIG LEIE | Exact business name as printed; exact NPI for individuals | Entity rows matched by exact business name; individual rows stored only where the file carries an NPI and matched by exact NPI alone. | Individuals are never matched by name; 'no entry' is stated with the file date, never as a clean result. | leie current · 7 days |
| State Medicaid exclusion lists (15 read of 45) | Exact printed name for entities; exact NPI for individuals | Each state's published file is read as printed; the header is found by column meaning; entity rows match the exact printed name, individual rows the exact NPI. States we cannot read are named as not checked. | Individuals are never counted by name; DOB, license and address columns are not read or matched; PDF-only and portal-only states are not checked and the record says so. | stateexcl-2026-06b · 24 h |
| State Medicaid exclusion lists — same printed name (individuals) | Exact printed string, or its 'Last, First' transposition, state-scoped | Returns the individual rows whose printed name equals the string, with how many rows per state share it; shown on the single record only, labelled, never inside a batch or list count. | Not an identity match; no false-positive rate is claimed because none can be measured; the reader is told to confirm identity with the state. | same-printed-name-2026-06 · 24 h |
| U.S. Treasury Fiscal Data | record_date; MTS classification line | Aggregate lines only — no entity matching is involved. Department names are Treasury's 'Total--' lines verbatim. | No department figure is joined to a recipient or award; the page links to USAspending for that step. | treasury-2026-06 · daily debt; monthly statement |
| Federal Audit Clearinghouse (single audits) | Auditee UEI | Filings attach by the UEI the filing carries, or where the filed auditee name equals the searched name after suffix normalization. | No filing under the exact UEI/name is shown as 'none on file — entities under the spending threshold do not file'; parents and affiliates are never attributed. | fac-2026-06 · 24 h |
| SEC EDGAR | CIK | Registrant candidates are shown from EDGAR's company list; a check runs only on the CIK the reader picks. | A company record is never auto-joined to a CIK by name. | current · per query |
Dispositions since the ledger began — including the refusals
Every name a rule handled, by what the rule did with it. The refusals are published on purpose: they are where the graph ends and the platform did not guess.
| Source | matched exact name | matched by key | returned not counted | no match | source did not answer |
|---|---|---|---|---|---|
| ocr | 4 | · | · | 2,208 | · |
| fed_enforcement | 2 | · | · | 11 | · |
| hmda | · | 11 | · | 2 | · |
| fac | 31 | 416 | · | 1,766 | 49 |
| usaspending | 701 | · | 167 | 1,809 | · |
| kev | 1 | · | · | 744 | · |
- A name is never linked to another source because it looks similar, shares a word, or sounds like a parent, subsidiary, brand or affiliate.
- A USDOT number is never tied to an EIN, UEI, CIK or FDIC certificate by inference; those keys appear only when the source itself publishes them together.
- Recalls, complaints, enforcement actions, breach reports, court dockets and exclusions are attributed only to the exact registered name; a similar name is a different party.
- A source that did not answer is shown as 'did not answer' — it is never rendered as zero, absent or clean.
- No payment, subscription or credit changes a match, a decline or the order in which candidates are listed.
Register match-register-2026-06 · computed 2026-11-11 04:14 UTC
4. What the words mean
- Complaint
- A consumer filed a complaint with the CFPB and the CFPB sent it to the company. It is a filing, not a finding. Counts scale with company size and the number of customers.
- Open / in progress
- The CFPB's own status field reads “In progress”: the company has not yet given a final response. We count these as “open files.” It is a status, not a judgment.
- Closed with relief
- CFPB status “Closed with monetary relief” or “Closed with non-monetary relief.” “Closed with explanation” means the company responded but reported no relief.
- Last 12 months / prior 12 months
- Complaints by date received, today minus 365 days, compared with the 365 days before that. Change % = (last − prior) ÷ prior.
- Trend vs market
- The company's 12-month change minus the change in all CFPB complaints over the same window. A company rising 40% while the whole market rises 47% is below market, not "worsening." Only scored when a company has at least 20 complaints a year.
- Relief rate
- Of the company's closed complaints, the share that ended with monetary or non-monetary relief. A rate, so it does not scale with company size; compared with the market rate.
- Disclosed manufacturer payment
- A payment a drug or device company reported to CMS Open Payments for a doctor (meals, travel, consulting, research). Legal and disclosed; context, not misconduct.
5. What we retired, and why
The Covenant Score (a letter grade), the Covenant Seal (a paid badge) and the directory index were retired in 2026. Each was a conclusion, and a conclusion is the one thing a customer would pay to move. The inputs they summarized — complaint trend against the market, relief share, late responses, out-of-service rates against the national average — remain on every record with their source, pull time and formula. The compare view and the data dictionary are the ceiling: two official figures, the formula, both sources, no verdict.
5b. Changes we display, and what a change does not mean
On /trends we compare two consecutive 12-month windows of one source with one formula and show how the mix of categories moved, in share points. We display the movement; we do not flag it, call it an anomaly, attach it to a company, or state a cause. A category can fall while another rises because behaviour changed, because filers changed what they report, or because the agency renamed its categories — the source does not say which, and neither do we. A shift is a question for the source, not a finding about anyone. Single-audit filings from the Federal Audit Clearinghouse are shown the same way: as filed, by UEI, with the auditor's own terms and no rating.
6. Rankings and state pages
The Unanswered sorts companies by the count of complaints with CFPB status “In progress,” received in the last 3 years. No weighting. State pages filter by the consumer's state as recorded by the CFPB; industry pages additionally filter by the CFPB product field mapped to eight industries. Snapshots are taken on the 1st of each month so rank movement is visible.
7. Limits, in plain words
- • Counts scale with company size. A big company with more customers gets more complaints; we show change and share, not just totals.
- • A complaint, lawsuit, recall, or payment is not a finding of wrongdoing unless an authority made one.
- • Government data lags and is revised. We show the date we pulled it; the source is the authority, not us.
- • Carrier peer comparisons currently use a small named peer set, not a size-matched national universe. We call it a benchmark against named peers, not a ranking, until the universe is built.
- • Nothing here is legal, medical, tax, or financial advice.
8. Corrections and the firewall
If a figure is wrong, use "Report a wrong figure" on the record (or the Corrections desk) with the source that contradicts it — free, no account, and every request and outcome is logged publicly with its date, reason and settling source. We re-pull the source, fix the method if the method is wrong, and note the correction. The full source roster and the live scoring↔billing separation check are on Conflicts & revenue. No payment, client relationship, or request can alter a score, ranking, or record — only the government's data changing can.
Official free sources we point people to, and the pledge behind them: /free · Datasets and API: /source-of-record
9. Where money is allowed, and where it is not
- • Sponsors buy one labelled "Supported by" line at a flat public rate. It never appears on a page that shows the sponsor's own Record or lists it among the most-complained-about companies, and every sponsor's Record discloses the sponsorship. Full rules and the public list: /sponsors.
- • Record Diagnosis and Monitor tell a company what in its handling produces its numbers and alert it when new items land. They change nothing on this site.
- • The Correction Ledger records improvements under a published formula, identically for every company, paying or not: /ledger.
- • The Student Loan Servicer Index joins CFPB student-loan complaints to FSA's servicer portfolio data (complaints per $1B serviced, timeliness, issue-mix deviation) and points to the official fix path for each problem: /student-loans.