{
  "consumer_id": "cns_8f7d3a2b1c4e5f6a",
  "trade_lines": [
    {
      "account_id": "tl_9a8b7c6d5e4f",
      "bureau": "equifax",
      "creditor_name": "Chase Bank",
      "account_type": "revolving",
      "account_status": "open",
      "credit_limit": 10000,
      "current_balance": 2400,
      "utilization_ratio": 0.24,
      "payment_status": "current",
      "payment_history": "111111111111111111111111",
      "opened_date": "2018-03-01",
      "last_activity_date": "2026-01-10",
      "times_30_days_late": 0,
      "times_60_days_late": 0,
      "times_90_days_late": 0
    },
    {
      "account_id": "tl_1b2c3d4e5f6a",
      "bureau": "equifax",
      "creditor_name": "Wells Fargo Home Mortgage",
      "account_type": "mortgage",
      "account_status": "open",
      "credit_limit": 350000,
      "current_balance": 285000,
      "payment_status": "current",
      "payment_history": "111111111111111111111111",
      "opened_date": "2019-06-15",
      "last_activity_date": "2026-01-01",
      "times_30_days_late": 0,
      "times_60_days_late": 0,
      "times_90_days_late": 0
    }
  ]
}