Well, for me, my rating is pretty accurate to my USCF rating. A while ago chess.com adjusted their rating system to better mirror the real ratings, so this shouldn't be a problem anymore.
However, I have had the issue of playing players rated the same that just seem like Paul Morphy brought back to life: they are insanely hard to beat and seem much better than I am.
I'm a 2000 rated player, but on chess.com I struggle even against 1500s. If I do face someone 1900+, they seem much much better than me. Is this the same for anyone else?