{"took":1035,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9309,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2697327","_score":16.892303,"_source":{"product":"Debt collection","complaint_what_happened":"I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. \n\n\n\n\nFDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...\n\n( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...","date_sent_to_company":"2017-10-10T05:58:12.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"2697327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. Collections West, Inc.","date_received":"2017-10-10T01:39:30.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Validation of <em>debts</em> [ 15 USC 1692g ] ( b ) If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or any copy of a judgment, or the name and address of the original creditor"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Other <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[16.892303,"2697327"]},{"_index":"complaint-public-v1","_id":"10056589","_score":16.681786,"_source":{"product":"Debt collection","complaint_what_happened":"This is a continuation of a previous complaint, XXXX. \n\nRMS Indicated they provided documents requested, but in truth, they only provided a statement. A made up paper statement does not proof the debt is mine. The only thing that will proof the debt is mine is a signed contract or agreement. \n\nI contacted RMS on XX/XX/XXXX to discuss this issue, but they insists the statement is sufficient. This is far from the truth. I can provide a couple of statment indicating that RMS has an outstanding balance with me, as well as their client which would wash off their claims of a debt. \n\n15 USC 1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109, XXXX XXXX XXXX, 91 Stat. 879. ) As per 15 USC 1692g. Validation of debt - number 4 indicates that upon notification that the debt is being disputed, the debt collector must obtain verification of the debt or a judgement. No such documentation has been provided to me.\n\nAdditionally, section ( b ) indicates that if the debt collector is notified that the debt or any portion thereof is being disputed, then the \" debt collector shall cease collection of the debt ''.\n\nRMS has been notified in writing and via telephone that I am disputing the debt, however, their collection efforts have not stopped. \n\nThis is a clear violation of the code.","date_sent_to_company":"2024-09-06T15:58:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"84094","tags":"Older American","has_narrative":true,"complaint_id":"10056589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RMS-Recovery Management Services, Inc.","date_received":"2024-09-06T15:32:40.000Z","state":"UT","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":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) of this section that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor"],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[16.681786,"10056589"]},{"_index":"complaint-public-v1","_id":"6127715","_score":16.633087,"_source":{"product":"Debt collection","complaint_what_happened":"First contact with debt collector was XX/XX/XXXX. Received XXXX letter dated XX/XX/XXXX. This is the first and only written communication the company has made. The letter is missing the following information : 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector","date_sent_to_company":"2022-11-18T15:03:51.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"66762","tags":null,"has_narrative":true,"complaint_id":"6127715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivable Solutions, Inc.","date_received":"2022-10-25T21:03:36.000Z","state":"KS","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The letter is missing the following information : 1. a statement that unless the consumer, within thirty days after receipt of the notice, <em>disputes</em> the validity of the <em>debt</em>, or any portion thereof, the <em>debt</em> will be assumed to be valid by the <em>debt</em> <em>collector</em> 2. a statement that if the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, the <em>debt</em> <em>collector</em> will <em>obtain</em> verification of the <em>debt</em> or a copy of a judgment against"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[16.633087,"6127715"]},{"_index":"complaint-public-v1","_id":"5329202","_score":16.609268,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 4 ) A Statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain credit","date_sent_to_company":"2022-03-16T17:44:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"5329202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-16T17:25:44.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Time after time this credit reporting agency is breaking the law I send <em>dispute</em> letters in certified mail asking for this alleged <em>debt</em> to be validated by law 15 USC 1692g Validation of <em>debt</em> ( 4 ) A Statement that if the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period that the <em>debt</em> or any portion thereof, is <em>disputed</em>, the <em>debt</em> <em>collector</em> will <em>obtain</em> verification of the <em>debt</em> or a copy of a judgement against the consumer and a copy of such verification or judgement will be"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[16.609268,"5329202"]},{"_index":"complaint-public-v1","_id":"5329409","_score":16.608147,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 4 ) A Statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain credit","date_sent_to_company":"2022-03-16T17:53:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"5329409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-16T17:47:26.000Z","state":"DE","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":["Time after time this credit reporting agency is breaking the law I send <em>dispute</em> letters in certified mail asking for this alleged <em>debt</em> to be validated by law 15 USC 1692g Validation of <em>debt</em> ( 4 ) A Statement that if the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period that the <em>debt</em> or any portion thereof, is <em>disputed</em>, the <em>debt</em> <em>collector</em> will <em>obtain</em> verification of the <em>debt</em> or a copy of a judgement against the consumer and a copy of such verification or judgement will be"]},"sort":[16.608147,"5329409"]},{"_index":"complaint-public-v1","_id":"11751108","_score":16.601532,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.","date_sent_to_company":"2025-01-25T15:33:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11751108","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-01-25T15:25:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["809 ( b ) : Validating <em>Debts</em> : ( b ) If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or any copy of a judgment, or the name and address of the original creditor"]},"sort":[16.601532,"11751108"]},{"_index":"complaint-public-v1","_id":"5719394","_score":16.428373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX","date_sent_to_company":"2022-06-28T05:06:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5719394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-28T05:06:49.000Z","state":"AL","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":[", the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the <em>debt</em> <em>collector</em>."]},"sort":[16.428373,"5719394"]},{"_index":"complaint-public-v1","_id":"5789381","_score":16.427673,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2020.","date_sent_to_company":"2022-07-19T05:17:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"5789381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-19T05:17:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[", the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the <em>debt</em> <em>collector</em>."]},"sort":[16.427673,"5789381"]},{"_index":"complaint-public-v1","_id":"5733635","_score":16.426819,"_source":{"product":"Debt collection","complaint_what_happened":"United revenue corporation has violated my rights. \n\n15 U.S.C 1692g : Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. \nAccount # XXXX and Account # XXXX are fraudulent and inaccurate, debt collector/Original creditor failed to verify debt after receiving dispute letter thru certify mail","date_sent_to_company":"2022-07-04T20:49:18.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"762XX","tags":null,"has_narrative":true,"complaint_id":"5733635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2022-07-04T20:20:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of"],"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":[16.426819,"5733635"]},{"_index":"complaint-public-v1","_id":"5778788","_score":16.42674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2015","date_sent_to_company":"2022-07-16T07:40:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5778788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-16T07:40:34.000Z","state":"AL","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":[", the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the <em>debt</em> <em>collector</em>."]},"sort":[16.42674,"5778788"]},{"_index":"complaint-public-v1","_id":"5719396","_score":16.42674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX","date_sent_to_company":"2022-06-28T05:06:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5719396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-28T05:06:49.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":[", the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the <em>debt</em> <em>collector</em>."]},"sort":[16.42674,"5719396"]},{"_index":"complaint-public-v1","_id":"5416438","_score":16.42674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\nI am also a victim of identity theft in 2020 and a victim of identity theft in 2020.","date_sent_to_company":"2022-04-07T03:45:15.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"5416438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-07T03:33:56.000Z","state":"AL","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of"]},"sort":[16.42674,"5416438"]},{"_index":"complaint-public-v1","_id":"9866815","_score":16.38439,"_source":{"product":"Debt collection","complaint_what_happened":"I started receiving text messages from the debt collectors on Friday XX/XX/XXXX at XXXX. For a cancelled auto policy of {$540.00}. I responded & requested a debt validation letter. After receiving I then submitted proof of another insurance coverage policy that had been obtained. No resolution or response from the debt collector. The collection then appears on my credit report at the end of XXXX. I have disputed and repeatedly attached documentation of the debt not being accurate and the creditors report the debt as accurate with no detailed response as to why. The policy was cancelled but an active policy had been obtained through another carrier and proof was provided through the portal provided by the debt collector.","date_sent_to_company":"2024-08-20T03:39:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"27703","tags":null,"has_narrative":true,"complaint_id":"9866815","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2024-08-20T03:25:18.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> and repeatedly attached documentation of the <em>debt</em> not being accurate and the creditors report the <em>debt</em> as accurate with no detailed response as to why. The policy was cancelled but an active policy had been <em>obtained</em> through another carrier and proof was provided through the portal provided by the <em>debt</em> <em>collector</em>."],"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":[16.38439,"9866815"]},{"_index":"complaint-public-v1","_id":"12828351","_score":16.334255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX COLLECTION SER Acct # XXXX XXXX XXXX XXXX Acct # XXXX THIS IS A DIRECT VIOLATION OF 15 U.S.C 1692g-Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt.\n\n( 2 ) the name of the creditor to whom the debt is owed.\n\n( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.\n\n( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.","date_sent_to_company":"2025-04-05T05:00:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"12828351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-05T04:33:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of"]},"sort":[16.334255,"12828351"]},{"_index":"complaint-public-v1","_id":"12019133","_score":16.31607,"_source":{"product":"Debt collection","complaint_what_happened":"THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law XXXX, XXXX Stat. XXXX ( XXXX XXXX, 1996 ) TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] XXXX. Validation of debts [ XXXX XXXX XXXX ] ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the XXXX day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.","date_sent_to_company":"2025-02-10T20:04:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"12019133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-10T19:51:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["receipt of the notice, <em>disputes</em> the validity of the <em>debt</em>, or any portion thereof, the <em>debt</em> will be assumed to be valid by the <em>debt</em> <em>collector</em> ; ( XXXX ) a statement that if the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, the <em>debt</em> <em>collector</em> will <em>obtain</em> verification of the <em>debt</em> or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the <em>debt</em> <em>collector</em>"],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[16.31607,"12019133"]},{"_index":"complaint-public-v1","_id":"12129547","_score":16.276333,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX. XXXX, XXXX placed a collection on my credit reports without sending me any notifications therefore I was not able to dispute. This is a violation of 15 U.S. Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. However, they have failed to do this and are in direct violation of the FDCPA.","date_sent_to_company":"2025-02-20T03:32:12.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"30214","tags":null,"has_narrative":true,"complaint_id":"12129547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-02-20T03:24:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of <em>debts</em>. this states If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor"],"product":["<em>Debt</em> collection"],"sub_product":["Telecommunications <em>debt</em>"]},"sort":[16.276333,"12129547"]},{"_index":"complaint-public-v1","_id":"10781339","_score":16.275043,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems placed a collection on my credit reports without sending me any notifications therefore I was not able to dispute. This is a violation of 15 U.S. Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. However, they have failed to do this and are in direct violation of the FDCPA.","date_sent_to_company":"2024-11-13T22:13:08.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"32311","tags":null,"has_narrative":true,"complaint_id":"10781339","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-11-13T22:00:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of <em>debts</em>. this states If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[16.275043,"10781339"]},{"_index":"complaint-public-v1","_id":"13876983","_score":16.262283,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates : amount {$540.00} This company has not provided signed documentation from original debtor to verify this account belongs to me. They only listed the name and date of the debtor and did not provide the requested information. This account was placed on my credit report without being notified of this alleged debt. \n\nThis is in violation of FCRA code : 15 U.S. Code 1692g ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2025-06-03T22:21:26.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"20602","tags":null,"has_narrative":true,"complaint_id":"13876983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-06-03T22:14:20.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of"],"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":[16.262283,"13876983"]},{"_index":"complaint-public-v1","_id":"5416409","_score":16.261328,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\nThese following accounts has failed to provide proof of debt. I am also a victim of T-Mobile date breach 2019 and identity theft victim. \n\nThe following accounts should be removed due to inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-04-07T03:32:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"5416409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-07T03:09:32.000Z","state":"AL","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":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of"]},"sort":[16.261328,"5416409"]},{"_index":"complaint-public-v1","_id":"5416437","_score":16.252745,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\nThese following accounts has failed to provide proof of debt. I am also a victim of XXXX date breach XXXX  and identity theft victim. \n\nThe following accounts should be removed due to inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-04-07T03:32:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"360XX","tags":null,"has_narrative":true,"complaint_id":"5416437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-07T03:32:24.000Z","state":"AL","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":["( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of"]},"sort":[16.252745,"5416437"]},{"_index":"complaint-public-v1","_id":"4879840","_score":16.252745,"_source":{"product":"Debt collection","complaint_what_happened":"THIS IS MY 2ND REQUEST TO HEAD MERCANTILE CO INC about a alleged debt of XXXX that i don't owe. my first response was XX/XX/2021 in which they didn't respond and this was my last request about this inaccurate item on XX/XX/2021, which they has not answered.they have violated 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As well as 15 usc 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2021-11-05T19:28:05.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"39503","tags":null,"has_narrative":true,"complaint_id":"4879840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEAD MERCANTILE CO., INC.","date_received":"2021-11-05T19:13:33.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["As well as 15 usc 1692g ( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor"],"product":["<em>Debt</em> collection"],"sub_product":["Medical <em>debt</em>"]},"sort":[16.252745,"4879840"]},{"_index":"complaint-public-v1","_id":"6060027","_score":16.229198,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please see attached documents. I am requesting debt validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.","date_sent_to_company":"2022-10-06T16:46:53.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"6060027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-10-06T16:32:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I am requesting <em>debt</em> validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) <em>Disputed</em> <em>debts</em> If the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification"]},"sort":[16.229198,"6060027"]},{"_index":"complaint-public-v1","_id":"4243422","_score":16.204231,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"15 U.S. Code 1692g if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2021-03-25T07:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11211","tags":null,"has_narrative":true,"complaint_id":"4243422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-25T03:43:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code 1692g if the consumer notifies the <em>debt</em> <em>collector</em> in writing within the thirty-day period described in subsection ( a ) that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em>, or any <em>disputed</em> portion thereof, until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"]},"sort":[16.204231,"4243422"]},{"_index":"complaint-public-v1","_id":"4570083","_score":16.194407,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2021, I sent a letter to the collection agency asking for validation of debt from XXXX XXXX XXXXIn accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : if a consumer notifies the debt collector in writing, that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt from the original creditor and a copy of such verification is mailed to the consumer by the debt collector. As of XX/XX/2021, the debt collection agency failed to respond to my request for validation of the debt and did not contact the credit bureaus that the debt was in dispute. According to FDCPA, this is a violation because it has been more than 30 days.","date_sent_to_company":"2021-07-24T00:12:38.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"76244","tags":null,"has_narrative":true,"complaint_id":"4570083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RGS Financial, Inc.","date_received":"2021-07-23T23:53:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["On XX/XX/2021, I sent a letter to the collection agency asking for validation of <em>debt</em> from XXXX XXXX XXXXIn accordance with the Fair <em>Debt</em> Collection Practices Act, 15 USC 1692g ( Validating <em>Debts</em> ) : if a consumer notifies the <em>debt</em> <em>collector</em> in writing, that the <em>debt</em>, or any portion thereof, is <em>disputed</em>, the <em>debt</em> <em>collector</em> shall cease collection of the <em>debt</em> until the <em>debt</em> <em>collector</em> <em>obtains</em> verification of the <em>debt</em> from the original creditor and a copy of such verification is mailed to the consumer"],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[16.194407,"4570083"]},{"_index":"complaint-public-v1","_id":"3256048","_score":16.185274,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Experian continues to allow this unregistered debt collector unlawfully report unverified information. I have submitted several disputes.","date_sent_to_company":"2019-05-29T06:16:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"3256048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-29T02:11:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Section 392.101 of the Texas Finance Code prohibits a third-party <em>debt</em> <em>collector</em> or credit bureau from engaging in <em>debt</em> collection in Texas unless the third-party <em>debt</em> <em>collector</em> or credit bureau has <em>obtained</em> a surety bond and filed a copy of the bond with the Office of the Secretary of State. Experian continues to allow this unregistered <em>debt</em> <em>collector</em> unlawfully report unverified information. I have submitted several <em>disputes</em>."]},"sort":[16.185274,"3256048"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9309,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9309}]}},"product":{"doc_count":9309,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3981,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3915},{"key":"Other personal consumer report","doc_count":66}]}},{"key":"Debt collection","doc_count":3299,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1200},{"key":"Credit card debt","doc_count":726},{"key":"Other debt","doc_count":487},{"key":"Medical debt","doc_count":250},{"key":"Auto debt","doc_count":126},{"key":"Telecommunications debt","doc_count":121},{"key":"Rental debt","doc_count":117},{"key":"Mortgage debt","doc_count":59},{"key":"Other (i.e. phone, health club, etc.)","doc_count":47},{"key":"Payday loan debt","doc_count":45},{"key":"Federal student loan debt","doc_count":31},{"key":"Credit card","doc_count":28},{"key":"Medical","doc_count":23},{"key":"Private student loan debt","doc_count":19},{"key":"Mortgage","doc_count":12},{"key":"Payday loan","doc_count":5},{"key":"Non-federal student loan","doc_count":2},{"key":"Federal student loan","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1650,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1641},{"key":"Other personal consumer report","doc_count":9}]}},{"key":"Credit card or prepaid card","doc_count":69,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":63},{"key":"Store credit card","doc_count":6}]}},{"key":"Mortgage","doc_count":64,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":23},{"key":"FHA mortgage","doc_count":11},{"key":"VA mortgage","doc_count":9},{"key":"Conventional fixed mortgage","doc_count":6},{"key":"Conventional adjustable mortgage (ARM)","doc_count":4},{"key":"Home equity loan or line of credit","doc_count":3},{"key":"Reverse mortgage","doc_count":3},{"key":"Other mortgage","doc_count":2},{"key":"Other type of mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Credit reporting","doc_count":60,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle loan or lease","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":44},{"key":"Lease","doc_count":8}]}},{"key":"Credit card","doc_count":44,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":31},{"key":"Store credit card","doc_count":9}]}},{"key":"Student loan","doc_count":36,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":23},{"key":"Private student loan","doc_count":10},{"key":"Non-federal student loan","doc_count":3}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":13},{"key":"Payday loan","doc_count":5},{"key":"Title loan","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":5},{"key":"Installment loan","doc_count":4},{"key":"Personal line of credit","doc_count":2},{"key":"Title loan","doc_count":2}]}},{"key":"Checking or savings account","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":10}]}},{"key":"Debt or credit management","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":4},{"key":"Debt settlement","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Mobile or digital wallet","doc_count":1}]}},{"key":"Consumer Loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle lease","doc_count":1},{"key":"Vehicle loan","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":9309,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2613,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1491},{"key":"Account information incorrect","doc_count":637},{"key":"Account status incorrect","doc_count":237},{"key":"Personal information 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