Credit repair organizations are influencing consumers to file complaints with the CFPB in an attempt to remove negative, even if accurate, data from their credit reports, according to the Consumer Data Industry Association.

The CFPB’s annual Fair Debt Collection Practices Act report showed that consumers’ debt collection issues were largely tied to attempts to collect debt that consumers didn’t owe.

The online real estate marketplace is accused of providing incentives to affiliated real estate agents to “steer” homebuyers toward mortgages from Zillow Home Loans.