{"took":108,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12428,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16924463","_score":16.201395,"_source":{"product":"Debt collection","complaint_what_happened":"I requested debt validation from Portfolio Recovery Associates on XXXX, I asked for a copy of the original signed agreement, proof that Portfolio Recovery owns the debt, and a full payment history. To date they have not provided the copy of original signed agreement documentation and continue to attempt to collect/report the debt. I am disputing this debt and request that Portfolio Recovery cease collection and remove any adverse credit reporting until they provide full validation. They just keep sending the proof of XXXX XXXX selling them the debt and XXXXXXXX XXXX statements. This is the XXXX firm that I have dealt with on this account, and still yet they have not provided what is needed.","date_sent_to_company":"2025-10-30T16:47:43.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"74066","tags":null,"has_narrative":true,"complaint_id":"16924463","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-10-30T16:05:11.000Z","state":"OK","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I requested <em>debt</em> validation from Portfolio Recovery Associates on XXXX, I asked for a copy of the <em>original</em> signed agreement, proof that Portfolio Recovery owns the <em>debt</em>, and a <em>full</em> payment history. To date they <em>have</em> not <em>provided</em> the copy of <em>original</em> signed agreement documentation and continue to attempt to collect/report the <em>debt</em>. I am disputing this <em>debt</em> and request that Portfolio Recovery cease collection and remove any adverse credit reporting until they provide <em>full</em> validation."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[16.201395,"16924463"]},{"_index":"complaint-public-v1","_id":"16540370","_score":15.962476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a charge-off/written-off account reported by XXXX XXXX XXXX on my credit report XXXX The account shows as closed with a {$0.00} balance and a {$24000.00} charge-off/written-off. XXXX has provided documentation including a Transfer of Ownership, statements, and a Retail Installment Contract, but has not provided the full original signed Purchase Agreement. Because the full Purchase Agreement is missing, the debt can not be fully verified under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). This account is now owned and serviced by XXXX XXXX XXXX XXXX XXXX.. I have already contacted XXXX to request full validation of the debt, but they have not provided the original Purchase Agreement either.","date_sent_to_company":"2025-10-13T21:30:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"16540370","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:13:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> already contacted XXXX to request <em>full</em> validation of the <em>debt</em>, but they <em>have</em> not <em>provided</em> the <em>original</em> Purchase Agreement either."]},"sort":[15.962476,"16540370"]},{"_index":"complaint-public-v1","_id":"16536909","_score":15.962476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a charge-off/written-off account reported by XXXX XXXX XXXX on my credit report XXXX The account shows as closed with a {$0.00} balance and a {$24000.00} charge-off/written-off. XXXX has provided documentation including a Transfer of Ownership, statements, and a Retail Installment Contract, but has not provided the full original signed Purchase Agreement. Because the full Purchase Agreement is missing, the debt can not be fully verified under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). This account is now owned and serviced by XXXX XXXX XXXX XXXX XXXX.. I have already contacted XXXX to request full validation of the debt, but they have not provided the original Purchase Agreement either.","date_sent_to_company":"2025-10-13T21:30:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"16536909","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-13T21:30:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>have</em> already contacted XXXX to request <em>full</em> validation of the <em>debt</em>, but they <em>have</em> not <em>provided</em> the <em>original</em> Purchase Agreement either."]},"sort":[15.962476,"16536909"]},{"_index":"complaint-public-v1","_id":"16279451","_score":15.962156,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a charge-off/written-off account reported by Exeter Finance LLC on my credit report XXXX The account shows as closed with a {$0.00} balance and a {$24000.00} charge-off/written-off. \n\nExeter has provided documentation including a Transfer of Ownership, statements, and a Retail Installment Contract, but has not provided the full original signed Purchase Agreement. Because the full Purchase Agreement is missing, the debt can not be fully verified under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). \n\nThis account is now owned and serviced by XXXX XXXX XXXX XXXX XXXX.. I have already contacted XXXX to request full validation of the debt, but they have not provided the original XXXX XXXX either.","date_sent_to_company":"2025-10-01T02:05:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"16279451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2025-10-01T01:33:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I <em>have</em> already contacted XXXX to request <em>full</em> validation of the <em>debt</em>, but they <em>have</em> not <em>provided</em> the <em>original</em> XXXX XXXX either."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Auto <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.962156,"16279451"]},{"_index":"complaint-public-v1","_id":"20767938","_score":15.848139,"_source":{"product":"Debt collection","complaint_what_happened":"I dispute this alleged debt. \n\nThe company is attempting to collect a debt without providing proper validation or documentation showing I am legally obligated. They have not provided chain of title, original creditor agreement, or a full accounting of the amount claimed. \n\nDespite requesting information, I have not received sufficient documentation to verify the debt. \n\nI am requesting full validation, including : proof of obligation original creditor agreement documentation showing authority to collect Until validation is provided, all collection activity should cease and the account should be reported as disputed or removed. \n\nI request investigation and correction under applicable consumer protection laws.","date_sent_to_company":"2026-03-30T12:27:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"433XX","tags":null,"has_narrative":true,"complaint_id":"20767938","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2026-03-30T12:08:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I dispute this alleged <em>debt</em>. \n\nThe company is attempting to collect a <em>debt</em> without providing proper validation or documentation showing I am legally obligated. They <em>have</em> not <em>provided</em> chain of title, <em>original</em> creditor agreement, or a <em>full</em> accounting of the amount claimed. \n\nDespite requesting information, I <em>have</em> not received sufficient documentation to verify the <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.848139,"20767938"]},{"_index":"complaint-public-v1","_id":"5217445","_score":15.72191,"_source":{"product":"Debt collection","complaint_what_happened":"I have not been provided any details nor contacted regarding this debt. Account with original Creditor has already been closed and paid in full prior to debt collection attempts. I have not entered into any further agreements or provided any signature for a contract in validity of this debt.","date_sent_to_company":"2022-02-13T15:05:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"07002","tags":null,"has_narrative":true,"complaint_id":"5217445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2022-02-13T14:57:26.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I <em>have</em> not been <em>provided</em> any details nor contacted regarding this <em>debt</em>. Account with <em>original</em> Creditor has already been closed and paid in <em>full</em> prior to <em>debt</em> collection attempts. I <em>have</em> not entered into any further agreements or <em>provided</em> any signature for a contract in validity of this <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.72191,"5217445"]},{"_index":"complaint-public-v1","_id":"12067406","_score":15.719546,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided all the information that I requested. They have not provided any pages with my signature completing and executing an agreement between them and I, the FULL original account number, or the amount they paid for the debt their attempting to collect. They have provided a PARTIAL original account number, charge off date, amount of debt, creditor 's name, the date debt was acquired, the origination date with original creditor, and date of last payment to original creditor. All this information was provided from the account summary report that was printed by XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX  XXXX. \n\nPertaining to XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX has not provided any information at all. I requested the same exact information for this account as the previous account listed here.","date_sent_to_company":"2025-02-12T17:54:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"12067406","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-12T17:53:57.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not <em>provided</em> all the information that I requested. They <em>have</em> not <em>provided</em> any pages with my signature completing and executing an agreement between them and I, the <em>FULL</em> <em>original</em> account number, or the amount they paid for the <em>debt</em> their attempting to collect."]},"sort":[15.719546,"12067406"]},{"_index":"complaint-public-v1","_id":"12067774","_score":15.7058525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided all the information that I requested. They have not provided any pages with my signature completing and executing an agreement between them and I, the FULL original account number, or the amount they paid for the debt their attempting to collect. They have provided a PARTIAL original account number, charge off date, amount of debt, creditor 's name, the date debt was acquired, the origination date with original creditor, and date of last payment to original creditor. All this information was provided from the account summary report that was printed by XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX  XXXX. \n\nPertaining to XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX has not provided any information at all. I requested the same exact information for this account as the previous account listed here.","date_sent_to_company":"2025-02-12T17:54:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"12067774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T15:31:00.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not <em>provided</em> all the information that I requested. They <em>have</em> not <em>provided</em> any pages with my signature completing and executing an agreement between them and I, the <em>FULL</em> <em>original</em> account number, or the amount they paid for the <em>debt</em> their attempting to collect."]},"sort":[15.7058525,"12067774"]},{"_index":"complaint-public-v1","_id":"12050229","_score":15.7058525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided all the information that I requested. They have not provided any pages with my signature completing and executing an agreement between them and I, the FULL original account number, or the amount they paid for the debt their attempting to collect. They have provided a PARTIAL original account number, charge off date, amount of debt, creditor 's name, the date debt was acquired, the origination date with original creditor, and date of last payment to original creditor. All this information was provided from the account summary report that was printed by XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX  XXXX. \n\nPertaining to XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX has not provided any information at all. I requested the same exact information for this account as the previous account listed here.","date_sent_to_company":"2025-02-12T17:54:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"12050229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-12T17:53:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not <em>provided</em> all the information that I requested. They <em>have</em> not <em>provided</em> any pages with my signature completing and executing an agreement between them and I, the <em>FULL</em> <em>original</em> account number, or the amount they paid for the <em>debt</em> their attempting to collect."]},"sort":[15.7058525,"12050229"]},{"_index":"complaint-public-v1","_id":"17125473","_score":15.552406,"_source":{"product":"Debt collection","complaint_what_happened":"To : Consumer Financial Protection Bureau I am submitting this follow-up in response to Fair Collections and Outsourcing 's reply to my complaint dated XX/XX/year>. \nFCO 's response does not satisfy the legal requirements for full debt verification under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. While they provided a copy of a lease agreement and a account summary ( ledger ), these documents do not constitute proper verification of the debt. \nThe lease they provided appears to be a genetic or reproduced copy, not the original signed lease between myself and the original creditor. The account summary is a basic ledger prepared by the collector, not an original accounting record from XXXX at XXXX. \nFCO also stated in their response that they do not buy, sell, or own debt, meaning they are collecting on behalf of another entity. Because of that, they are required to show : Proof of authorization or assignment from XXXX at XXXX that gives FCO the right to collect this debt.\n\nComplete account documentation from the original creditor that validates the amount and balance claimed and.\n\nOriginal signed agreements or statements verifying my liability and connections to this specific balance. \nSince none of this documentation was provided, FCO has not proven that I owe this debt or that they have the right to pursue or report it. Therefore, I request that this account be removed from my credit reports and that the CFPB require FCO to provide full and proper validation if they wish to continue collecting. \nRequested Action : CFPB to reopen and review this complaint due to insufficient verification.\n\nRequire FCO to produce full and complete validation or remove the alleged debt from all credit reports. \nThank you for your attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-09T16:23:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17125473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-11-09T15:45:58.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["FCO 's response does not satisfy the legal requirements for <em>full</em> <em>debt</em> verification under the Fair <em>Debt</em> Collection Practices Act and Fair Credit Reporting Act. While they <em>provided</em> a copy of a lease agreement and a account summary ( ledger ), these documents do not constitute proper verification of the <em>debt</em>. \nThe lease they <em>provided</em> appears to be a genetic or reproduced copy, not the <em>original</em> signed lease between myself and the <em>original</em> creditor."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.552406,"17125473"]},{"_index":"complaint-public-v1","_id":"14634302","_score":15.537372,"_source":{"product":"Debt collection","complaint_what_happened":"After reviewing my consumer credit report collection activity, of debts/accounts were inaccurate, unverifiable, unlawfully purchased, and attempting to collect on accounts that have been charged off, closed, or paid in full. This violates my consumer rights and per FCRA, FDCPA, and other applicable regulations. These agencies have not provided proper verification or documentation of the alleged debts/accounts. As per 15 USC 1681 ( I ), FDCPA 15 USC1692g. I have not been provided any sufficient validation or documentation from the original creditor that proves the debt is valid., No original signed contract or agreement showing I agreed to the debt, no purchased agreement, full chain of custody/assignment, all transfer and ownership documentation sale data file from the original creditor, flow agreement between the original creditor and any third-pary collection agency involved, itemized breakdown of the total amount claimed, including principal, interest, fees, and payments receive, complete payment history for the original account through all hands that have handled the debt, proof of ownership of the debt by the collection agency reporting or attempting to collect, the assignment contract between the original creditor and the debt collector establishing legal rights to collect, and a copy of the original creditor'srecords verifying the accounts ( copies or screenshots are not acceptable. \nSeveral violations of my consumer rights have occurred, including GAAP Compliance,1099c cancellation of debt, accounting principles, and my information was transferred/sold without my consent, willful negligence has occurred.","date_sent_to_company":"2025-07-25T20:35:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"14634302","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-07-14T13:01:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I <em>have</em> not been <em>provided</em> any sufficient validation or documentation from the <em>original</em> creditor that proves the <em>debt</em> is valid., No <em>original</em> signed contract or agreement showing I agreed to the <em>debt</em>, no purchased agreement, <em>full</em> chain of custody/assignment, all transfer and ownership documentation sale data file from the <em>original</em> creditor, flow agreement between the <em>original</em> creditor and any third-pary collection agency involved, itemized breakdown of the total amount claimed, including principal,"],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> was already discharged in bankruptcy and is no longer owed"]},"sort":[15.537372,"14634302"]},{"_index":"complaint-public-v1","_id":"8746114","_score":15.434317,"_source":{"product":"Debt collection","complaint_what_happened":"Company has filed suit in my county. \nThe summons does not have the full account number. \nScott & Associates purchased the portfolio from XXXX XXXX  They have provided no contract between myself and XXXX XXXX XXXX XXXX XXXX XXXX or Scott & Associates Scott & Associates has not provided any privacy document signed by me with the original creditor allowing XXXX XXXX  XXXX XXXX Scott & Associates XXXX XXXX XXXX to my personal data. \nXXXX XXXX XXXX has not provided proof of the accuracy of the portfolio complete with my full name nor the Affidavit from the original creditor, the Proof of Purchase of the portfolio from the original creditor, Proof that the Assignment of Debt rules have been followed, or Proof of how XXXX XXXX XXXX XXXX XXXX XXXX and Scott &, Associates arrived at their respective alleged amounts owed. \nThere also hasn't been a 1099-C filed by either the original creditor or any of those who purchased the alleged debt.","date_sent_to_company":"2024-04-11T14:44:31.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"37160","tags":null,"has_narrative":true,"complaint_id":"8746114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Office of Michael J. Scott, PC","date_received":"2024-04-11T14:32:50.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX has not <em>provided</em> proof of the accuracy of the portfolio complete with my <em>full</em> name nor the Affidavit from the <em>original</em> creditor, the Proof of Purchase of the portfolio from the <em>original</em> creditor, Proof that the Assignment of <em>Debt</em> rules <em>have</em> been followed, or Proof of how XXXX XXXX XXXX XXXX XXXX XXXX and Scott &, Associates arrived at their respective alleged amounts owed."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[15.434317,"8746114"]},{"_index":"complaint-public-v1","_id":"19673937","_score":15.431934,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding a collection agency that is attempting to collect on an alleged debt that has been sold to them. The company has sent text communications to my phone and is attempting to collect, yet I have not been provided with proper written validation of this debt. \n\nBecause this account was purchased from another company, I am formally requesting full debt validation and proof of ownership. \n\nTo date, I have not received : A copy of the original signed agreement or contract with the original creditor. \nDocumentation showing the full chain of title from the original creditor to the current collector. \nA complete payment history showing how the amount being claimed was calculated. \nProof that the company is legally authorized to collect this debt in my state.","date_sent_to_company":"2026-02-21T02:28:49.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"98155","tags":null,"has_narrative":true,"complaint_id":"19673937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2026-02-21T02:15:25.000Z","state":"WA","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding a collection agency that is attempting to collect on an alleged <em>debt</em> that has been sold to them. The company has sent text communications to my phone and is attempting to collect, yet I <em>have</em> not been <em>provided</em> with proper written validation of this <em>debt</em>. \n\nBecause this account was purchased from another company, I am formally requesting <em>full</em> <em>debt</em> validation and proof of ownership."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[15.431934,"19673937"]},{"_index":"complaint-public-v1","_id":"17827240","_score":15.278102,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because a debt collector is attempting to collect a debt that has not been properly validated, and the credit bureau is reporting the account without proper verification. \n\nI requested written validation from the debt collector, including the original agreement, itemized amount, payment history, and full chain of custody. They have not provided this information but continue attempts to collect. \n\nI also disputed this account with the credit bureau. The bureau is reporting the account as accurate even though the furnisher has not provided proper documentation to validate it. \n\nI can not confirm the validity of this debt without full verification.","date_sent_to_company":"2025-11-22T22:37:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75227","tags":null,"has_narrative":true,"complaint_id":"17827240","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2025-11-22T22:33:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am filing this complaint because a <em>debt</em> collector is attempting to collect a <em>debt</em> that has not been properly validated, and the credit bureau is reporting the account without proper verification. \n\nI requested written validation from the <em>debt</em> collector, including the <em>original</em> agreement, itemized amount, payment history, and <em>full</em> chain of custody. They <em>have</em> not <em>provided</em> this information but continue attempts to collect. \n\nI also disputed this account with the credit bureau."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.278102,"17827240"]},{"_index":"complaint-public-v1","_id":"17444605","_score":15.269358,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because a debt collector is attempting to collect a debt that has not been properly validated, and the credit bureau is reporting the account without proper verification. \n\nI requested written validation from the debt collector, including the original agreement, itemized amount, payment history, and full chain of custody. They have not provided this information but continue attempts to collect. \n\nI also disputed this account with the credit bureau. The bureau is reporting the account as accurate even though the furnisher has not provided proper documentation to validate it. \nI can not confirm the validity of this debt without full verification. I am requesting the CFPB to require : 1. The debt collector to provide full written validation or cease all collection efforts, and 2. The credit bureau to conduct a complete investigation and remove or correct the account if validation can not be provided. \n\nI have attached copies of my validation request, dispute letters, and any responses.","date_sent_to_company":"2025-11-22T22:32:24.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"75227","tags":null,"has_narrative":true,"complaint_id":"17444605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-11-22T22:18:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am filing this complaint because a <em>debt</em> collector is attempting to collect a <em>debt</em> that has not been properly validated, and the credit bureau is reporting the account without proper verification. \n\nI requested written validation from the <em>debt</em> collector, including the <em>original</em> agreement, itemized amount, payment history, and <em>full</em> chain of custody. They <em>have</em> not <em>provided</em> this information but continue attempts to collect. \n\nI also disputed this account with the credit bureau."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[15.269358,"17444605"]},{"_index":"complaint-public-v1","_id":"14535257","_score":15.259257,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing this debt and requesting the company cease all collection activities until proper validation is provided. I believe this violates the FDCPA and am requesting assistance in resolving this issue. \nPlease provide the following information : The name and address of the original creditor. \n\nThe full amount of the alleged debt, including a breakdown of fees, interest, and other charges. \n\nA copy of the original contract or agreement bearing my signature. \n\nDocumentation that proves you have the legal right to collect this debt, including proof of assignment or purchase. \n\nThe date of the alleged debt and the date of last payment, if any. \n\nA full payment history showing how the amount was calculated.","date_sent_to_company":"2025-07-08T21:03:12.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"97030","tags":null,"has_narrative":true,"complaint_id":"14535257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-08T20:52:18.000Z","state":"OR","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am disputing this <em>debt</em> and requesting the company cease all collection activities until proper validation is <em>provided</em>. I believe this violates the FDCPA and am requesting assistance in resolving this issue. \nPlease provide the following information : The name and address of the <em>original</em> creditor. \n\nThe <em>full</em> amount of the alleged <em>debt</em>, including a breakdown of fees, interest, and other charges. \n\nA copy of the <em>original</em> contract or agreement bearing my signature."],"product":["<em>Debt</em> collection"]},"sort":[15.259257,"14535257"]},{"_index":"complaint-public-v1","_id":"19728595","_score":15.204465,"_source":{"product":"Debt collection","complaint_what_happened":"Proper validation of this debt can not be verified a copy of the original signed contract or agreement full account history and chain of ownership proof of their legal right to collect on this debt which can not and have not been provided to me.","date_sent_to_company":"2026-02-24T05:52:46.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"60629","tags":null,"has_narrative":true,"complaint_id":"19728595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-02-24T05:27:26.000Z","state":"IL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Proper validation of this <em>debt</em> can not be verified a copy of the <em>original</em> signed contract or agreement <em>full</em> account history and chain of ownership proof of their legal right to collect on this <em>debt</em> which can not and <em>have</em> not been <em>provided</em> to me."],"product":["<em>Debt</em> collection"],"sub_product":["Telecommunications <em>debt</em>"]},"sort":[15.204465,"19728595"]},{"_index":"complaint-public-v1","_id":"14144100","_score":15.134993,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX has filed a lawsuit. They are acting as debt collection agency. I have asked for them to provide Verification of Assignment, I dispute the amount that is claimed owed, I have requested a FULL ACCOUNTING from the original creditor. I have requested the entire payment history. I have asked for a full breakdown of the interest charges and fees. I have request Validation of said debt as required by the FDCPA. I have requested the original documents of everything including the digital certificate of signature. I have also ask for them to provided their license and the state that they are licensed in to do business as a debt collector. \n\nThis is causing me harm, and emotion XXXX.","date_sent_to_company":"2025-06-19T00:54:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"46254","tags":null,"has_narrative":true,"complaint_id":"14144100","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-06-19T00:54:29.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They are acting as <em>debt</em> collection agency. I <em>have</em> asked for them to provide Verification of Assignment, I dispute the amount that is claimed owed, I <em>have</em> requested a <em>FULL</em> ACCOUNTING from the <em>original</em> creditor. I <em>have</em> requested the entire payment history. I <em>have</em> asked for a <em>full</em> breakdown of the interest charges and fees. I <em>have</em> request Validation of said <em>debt</em> as required by the FDCPA. I <em>have</em> requested the <em>original</em> documents of everything including the digital certificate of signature."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.134993,"14144100"]},{"_index":"complaint-public-v1","_id":"14146474","_score":15.132447,"_source":{"product":"Debt collection","complaint_what_happened":"Midland Credit Managemnt has filed a lawsuit. They are acting as debt collection agency. I have asked for them to provide Verification of Assignment, I dispute the amount that is claimed owed, I have requested a FULL ACCOUNTING from the original creditor. I have requested the entire payment history. I have asked for a full breakdown of the interest charges and fees. I have request Validation of said debt as required by the FDCPA. I have requested the original documents of everything including the digital certificate of signature. I have also ask for them to provided their license and the state that they are licensed in to do business as a debt collector. \n\nThis is causing me harm, and emotion stress.","date_sent_to_company":"2025-06-19T00:54:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"46254","tags":null,"has_narrative":true,"complaint_id":"14146474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-06-18T23:13:13.000Z","state":"IN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They are acting as <em>debt</em> collection agency. I <em>have</em> asked for them to provide Verification of Assignment, I dispute the amount that is claimed owed, I <em>have</em> requested a <em>FULL</em> ACCOUNTING from the <em>original</em> creditor. I <em>have</em> requested the entire payment history. I <em>have</em> asked for a <em>full</em> breakdown of the interest charges and fees. I <em>have</em> request Validation of said <em>debt</em> as required by the FDCPA. I <em>have</em> requested the <em>original</em> documents of everything including the digital certificate of signature."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.132447,"14146474"]},{"_index":"complaint-public-v1","_id":"15882568","_score":15.124778,"_source":{"product":"Debt collection","complaint_what_happened":"The debt collector failed to comply with my lawful request for Debt Validation and Proof of Claim under the FDCPA. Instead, they provided a vague statement that they requested verification from the creditor. Verification is not the same as validation. Under 15 U.S.C. 1692g ( b ), they are required to provide documented evidence of the debt, including the original contract, a full accounting, and proof of assignment. They have not provided this, yet continue to report and attempt to collect, which is a violation of the FDCPA and FCRA. \n\nI request that the CFPB require the debt collector to provide full Debt Validation and Proof of Claim as required by law or remove all reporting and collection activity related to this account.","date_sent_to_company":"2025-09-11T16:15:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"15882568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2025-09-11T14:17:03.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They <em>have</em> not <em>provided</em> this, yet continue to report and attempt to collect, which is a violation of the FDCPA and FCRA. \n\nI request that the CFPB require the <em>debt</em> collector to provide <em>full</em> <em>Debt</em> Validation and Proof of Claim as required by law or remove all reporting and collection activity related to this account."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.124778,"15882568"]},{"_index":"complaint-public-v1","_id":"3526174","_score":15.124267,"_source":{"product":"Debt collection","complaint_what_happened":"Company is attempting to collect a debt that is not valid, account was paid in full and closed by me. I have submitted proof of my claim and have requested proof from collector. Collector has only provided me a statement from the original account, the original account has obviously made a mistake of over billing, not my issue. I closed my insurance account, paid the final balance and provided proof of new insurance policy to original creditor. Not reason for additional billing.","date_sent_to_company":"2020-02-11T20:31:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"3526174","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2020-02-10T15:52:38.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Company is attempting to collect a <em>debt</em> that is not valid, account was paid in <em>full</em> and closed by me. I <em>have</em> submitted proof of my claim and <em>have</em> requested proof from collector. Collector has only <em>provided</em> me a statement from the <em>original</em> account, the <em>original</em> account has obviously made a mistake of over billing, not my issue. I closed my insurance account, paid the final balance and <em>provided</em> proof of new insurance policy to <em>original</em> creditor. Not reason for additional billing."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> was paid"]},"sort":[15.124267,"3526174"]},{"_index":"complaint-public-v1","_id":"3587668","_score":15.122764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed this account with Equifax, XXXX  and XXXX  and the account remains. \n\nXXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. \n\nXXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). \n\nThe documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. \n\nThis debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.","date_sent_to_company":"2020-03-31T22:50:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30135","tags":"Servicemember","has_narrative":true,"complaint_id":"3587668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-31T22:35:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>original</em> documentation is not and has not been <em>provided</em> to XXXX nor is it available to the bureaus to verify this <em>debt</em> as it has NOT been produced so far. \n\nThis <em>debt</em> was also paid in <em>full</em> and this fraudulent reporting method has caused me to lose credit opportunities and be denied."]},"sort":[15.122764,"3587668"]},{"_index":"complaint-public-v1","_id":"20044575","_score":15.112014,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint regarding a debt collector called XXXX that is attempting to collect approximately {$8000.00} on a charged-off credit card account originally issued by XXXX XXXX Bank XXXX XXXX XXXX ). \n\nThis account was charged off by the original creditor. XXXX claims to have purchased or been assigned this debt, but they have not provided adequate documentation proving they legally own the debt or have the right to collect it. \n\nI dispute this debt and have requested proper debt validation. To date, XXXX has not provided sufficient documentation such as a full account history, a signed agreement, or proof of assignment from XXXX XXXX Bank showing they are authorized to collect this debt. \n\nDespite the lack of validation, they continue attempts to collect and/or report the account. This behavior may violate the Fair Debt Collection Practices Act. \n\nI request that XXXX provide proper verification of the debt, including documentation showing the chain of ownership from XXXX XXXX Bank, the original signed agreement, and a full accounting of the amount claimed. If they can not provide this documentation, the collection activity should cease and any credit reporting related to this debt should be removed.","date_sent_to_company":"2026-03-06T18:42:01.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"30296","tags":null,"has_narrative":true,"complaint_id":"20044575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"January Technologies, Inc","date_received":"2026-03-06T18:32:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding a <em>debt</em> collector called XXXX that is attempting to collect approximately {$8000.00} on a charged-off credit card account originally issued by XXXX XXXX Bank XXXX XXXX XXXX ). \n\nThis account was charged off by the <em>original</em> creditor. XXXX claims to <em>have</em> purchased or been assigned this <em>debt</em>, but they <em>have</em> not <em>provided</em> adequate documentation proving they legally own the <em>debt</em> or <em>have</em> the right to collect it."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[15.112014,"20044575"]},{"_index":"complaint-public-v1","_id":"3587670","_score":15.111305,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed this account with XXXX, TransUnion and XXXX  and the account remains. \n\nXXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. \n\nXXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). \n\nThe documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. \n\nThis debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.","date_sent_to_company":"2020-03-31T22:50:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30135","tags":"Servicemember","has_narrative":true,"complaint_id":"3587670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-31T22:50:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>original</em> documentation is not and has not been <em>provided</em> to XXXX nor is it available to the bureaus to verify this <em>debt</em> as it has NOT been produced so far. \n\nThis <em>debt</em> was also paid in <em>full</em> and this fraudulent reporting method has caused me to lose credit opportunities and be denied."]},"sort":[15.111305,"3587670"]},{"_index":"complaint-public-v1","_id":"3615532","_score":15.022917,"_source":{"product":"Debt collection","complaint_what_happened":"This is regarding an alleged debt of {$280.00} with XXXX XXXX that is on my credit report. I have reason to believe I do not owe this debt because I believe they have me confused with a different person. I have been requesting all of the following information be provided to me by mail since 2017 and have yet to receive this information. \n\n1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing they have verified that I am responsible for this debt including my original signature when opening this account. \n\nThey have not provided me with any documentation that this debt is mine and refuse to take it off my credit report. I have contacted the said original creditor and they do not have my name on record or this debt. \n\nI would like this removed immediately from all credit reporting agencies.","date_sent_to_company":"2020-04-23T17:03:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"28056","tags":null,"has_narrative":true,"complaint_id":"3615532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2020-04-21T14:29:24.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The <em>full</em> name and mailing address of the <em>original</em> creditor for this alleged <em>debt</em> ; 3. Documentation showing they <em>have</em> verified that I am responsible for this <em>debt</em> including my <em>original</em> signature when opening this account. \n\nThey <em>have</em> not <em>provided</em> me with any documentation that this <em>debt</em> is mine and refuse to take it off my credit report. I <em>have</em> contacted the said <em>original</em> creditor and they do not <em>have</em> my name on record or this <em>debt</em>."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[15.022917,"3615532"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":12428,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":12428}]}},"product":{"doc_count":12428,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5596,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5569},{"key":"Other personal consumer report","doc_count":27}]}},{"key":"Debt 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