{"took":99,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4870,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3797947","_score":13.22514,"_source":{"product":"Debt collection","complaint_what_happened":"HIPAA Violation Alleged account # XXXX National Recovery Agency has not provided me a HIPAA release that releases my medical information to them. The credit bureaus have allowed them to violate my HIPAA rights by continuing to report this account without following the HIPAA guidelines. I have requested a copy of their HIPAA compliant BUSINESS ASSOCIATES AGREEMENT as well as a description of how they recieved my ePHI to show compliance with the HIPAA Security Rule, specifically the HITECH ACT OF 2009. \n( copy of affidavit attached )","date_sent_to_company":"2020-08-15T17:47:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"08105","tags":null,"has_narrative":true,"complaint_id":"3797947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NRA Group, LLC","date_received":"2020-08-15T17:14:03.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>HIPAA</em> Violation Alleged account # XXXX National Recovery Agency has not provided me a <em>HIPAA</em> release that releases my medical information to them. The credit bureaus have allowed them to violate my <em>HIPAA</em> rights by continuing to report this account without following the <em>HIPAA</em> guidelines."]},"sort":[13.22514,"3797947"]},{"_index":"complaint-public-v1","_id":"3293253","_score":13.145005,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Disputing a medical collection account from XXXX XXXX XXXX. In that first dispute letter i asked Equifax for proof of verification for the account or delete it. An original consumer contract signed by me. Equifax verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Equifax with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Equifax is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Equifax ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.","date_sent_to_company":"2019-07-01T23:16:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"49423","tags":null,"has_narrative":true,"complaint_id":"3293253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-01T22:52:46.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a <em>HIPAA</em> medical records release. Violating my <em>HIPAA</em> rights. So I sent another dispute to Equifax with documentation of the <em>HIPAA</em> Violation on XX/XX/2019, notifing them my <em>HIPAA</em> rights are being violated and that Equifax is also violating my <em>HIPAA</em> rights if they don't provide me with a <em>HIPAA</em> release or delete this account."]},"sort":[13.145005,"3293253"]},{"_index":"complaint-public-v1","_id":"4257307","_score":13.05083,"_source":{"product":"Debt collection","complaint_what_happened":"HIPAA Violations, please review documents. Please Not this is my second HIPAA violations dispute to Americollect.\n\nAmericollect did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.","date_sent_to_company":"2021-03-30T18:14:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"4257307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriCollect","date_received":"2021-03-30T18:14:47.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>HIPAA</em> Violations, please review documents. Please Not this is my second <em>HIPAA</em> violations dispute to Americollect.\n\nAmericollect did NOT provide me a <em>HIPAA</em> release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my <em>HIPAA</em> rights."]},"sort":[13.05083,"4257307"]},{"_index":"complaint-public-v1","_id":"3292130","_score":13.026623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019 I sent a dispute letter to Experian. Disputing a medical collection account from XXXX XXXX XXXX. In that dispute letter i asked Experian for proof of verification for the account or delete it. An original consumer contract signed by me. Experian verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Experian with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Experian is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Experian ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.","date_sent_to_company":"2019-06-30T23:27:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"49423","tags":null,"has_narrative":true,"complaint_id":"3292130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-06-30T22:23:43.000Z","state":"MI","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":["Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a <em>HIPAA</em> medical records release. Violating my <em>HIPAA</em> rights. So I sent another dispute to Experian with documentation of the <em>HIPAA</em> Violation on XX/XX/2019, notifing them my <em>HIPAA</em> rights are being violated and that Experian is also violating my <em>HIPAA</em> rights if they don't provide me with a <em>HIPAA</em> release or delete this account."]},"sort":[13.026623,"3292130"]},{"_index":"complaint-public-v1","_id":"4358768","_score":12.958651,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.","date_sent_to_company":"2021-05-07T14:49:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29803","tags":null,"has_narrative":true,"complaint_id":"4358768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Asset Management Outsourcing, Inc.","date_received":"2021-05-07T14:49:48.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I received a response that violate my <em>HIPAA</em> rights. The collector did not provide me with a <em>HIPAA</em> release form that releases my medical information, therefore, by providing such information is a violation to my <em>HIPAA</em> rights. I'm proceeding with legal action prescribed <em>HIPAA</em> and i urge you to take it as serious as i have."]},"sort":[12.958651,"4358768"]},{"_index":"complaint-public-v1","_id":"4358764","_score":12.9000635,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.","date_sent_to_company":"2021-05-07T14:49:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29803","tags":null,"has_narrative":true,"complaint_id":"4358764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2021-05-07T14:27:36.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I received a response that violate my <em>HIPAA</em> rights. The collector did not provide me with a <em>HIPAA</em> release form that releases my medical information, therefore, by providing such information is a violation to my <em>HIPAA</em> rights. I'm proceeding with legal action prescribed <em>HIPAA</em> and i urge you to take it as serious as i have."]},"sort":[12.9000635,"4358764"]},{"_index":"complaint-public-v1","_id":"4397211","_score":12.80788,"_source":{"product":"Debt collection","complaint_what_happened":"I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Revenue Recovery Coporation. \n\nI am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. \n\nThey do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996","date_sent_to_company":"2021-05-22T04:29:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"4397211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WAKEFIELD & ASSOCIATES, INC.","date_received":"2021-05-22T00:23:37.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They do not have my <em>HIPAA</em> release form therefore in violation of the <em>HIPAA</em> Act of 1996"]},"sort":[12.80788,"4397211"]},{"_index":"complaint-public-v1","_id":"4397207","_score":12.770786,"_source":{"product":"Debt collection","complaint_what_happened":"I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. \n\nI am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. \n\nThey do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996","date_sent_to_company":"2021-05-22T04:23:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"4397207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2021-05-22T00:19:49.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["They do not have my <em>HIPAA</em> release form therefore in violation of the <em>HIPAA</em> Act of 1996"]},"sort":[12.770786,"4397207"]},{"_index":"complaint-public-v1","_id":"3575631","_score":12.770786,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.","date_sent_to_company":"2020-03-21T09:17:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3575631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-21T09:15:17.000Z","state":"CA","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 ISSUE IS <em>HIPAA</em> COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under <em>HIPAA</em>. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized <em>HIPAA</em> business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized <em>HIPAA</em> business relationship between XXXX XXXX or XXXX XXXX."]},"sort":[12.770786,"3575631"]},{"_index":"complaint-public-v1","_id":"3575630","_score":12.758194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.","date_sent_to_company":"2020-03-21T09:14:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3575630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-21T09:10:37.000Z","state":"CA","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 ISSUE IS <em>HIPAA</em> COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under <em>HIPAA</em>. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized <em>HIPAA</em> business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized <em>HIPAA</em> business relationship between XXXX XXXX or XXXX XXXX."]},"sort":[12.758194,"3575630"]},{"_index":"complaint-public-v1","_id":"4210626","_score":12.754723,"_source":{"product":"Debt collection","complaint_what_happened":"Debt Collector Violated HIPAA Collection agency, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.","date_sent_to_company":"2021-03-13T18:56:29.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"4210626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriCollect","date_received":"2021-03-13T18:56:26.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Debt Collector Violated <em>HIPAA</em> Collection agency, did NOT provide me a <em>HIPAA</em> release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my <em>HIPAA</em> rights."]},"sort":[12.754723,"4210626"]},{"_index":"complaint-public-v1","_id":"4397087","_score":12.70678,"_source":{"product":"Debt collection","complaint_what_happened":"I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. \n\nI am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. \n\nThey do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996","date_sent_to_company":"2021-05-21T23:52:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"4397087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2021-05-21T23:43:00.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Therefore my request is twofoldvalidation of debt and <em>HIPAA</em> authorization. \n\nThey do not have my <em>HIPAA</em> release form therefore in violation of the <em>HIPAA</em> Act of 1996"]},"sort":[12.70678,"4397087"]},{"_index":"complaint-public-v1","_id":"6936866","_score":12.655918,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I Have Never Signed a HIPAA Release Form For This Company Dynamic Recovery solutions HIPAA Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly HIPAA Violations","date_sent_to_company":"2023-05-07T05:24:02.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"43605","tags":null,"has_narrative":true,"complaint_id":"6936866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dynamic Recovery Solutions, LLC","date_received":"2023-05-07T04:49:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I Have Never Signed a <em>HIPAA</em> Release Form For This Company Dynamic Recovery solutions <em>HIPAA</em> Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly <em>HIPAA</em> Violations"]},"sort":[12.655918,"6936866"]},{"_index":"complaint-public-v1","_id":"3416306","_score":12.655262,"_source":{"product":"Debt collection","complaint_what_happened":"HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. \nAMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. \nAcct # XXXX","date_sent_to_company":"2019-10-24T04:06:18.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"19702","tags":null,"has_narrative":true,"complaint_id":"3416306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Millco Management","date_received":"2019-10-24T03:47:28.000Z","state":"DE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>HIPAA</em> VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to <em>HIPAA</em>. \nAMERIFINANCIAL SOLUTIONS did NOT provide me a <em>HIPAA</em> release that releases my medical information to them."]},"sort":[12.655262,"3416306"]},{"_index":"complaint-public-v1","_id":"3416276","_score":12.655262,"_source":{"product":"Debt collection","complaint_what_happened":"HIPAA VIOLATION According to a recent copy of my credit profile AMERICOLLECT is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which they have responded. Their response is a clear violation of my rights according to HIPAA.\n\nAMERICOLLECT did NOT provide me a HIPAA release that releases my medical information to them.I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. \nAcct # XXXX / XXXX","date_sent_to_company":"2019-10-24T07:42:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"19702","tags":null,"has_narrative":true,"complaint_id":"3416276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriCollect","date_received":"2019-10-24T02:54:25.000Z","state":"DE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["AMERICOLLECT did NOT provide me a <em>HIPAA</em> release that releases my medical information to them.I am aware that <em>HIPAA</em> does allow for limited information but anything more is to only be revealed with the patient 's authorization. \nAcct # XXXX / XXXX"]},"sort":[12.655262,"3416276"]},{"_index":"complaint-public-v1","_id":"4228677","_score":12.61765,"_source":{"product":"Debt collection","complaint_what_happened":"This is not a duplicate, my previous Complaint \" XXXX XXXX XXXX '' say they not quite sure why nor how its a HIPAA violation. law is clear like the previous document I provided, XXXX XXXXXXXX XXXX XXXX  } did NOT provide me a HIPAA release, that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. you state that your are associates with the Original creditor, that don't make you the original creditor. so how did you get access of my private medical history with out a HIPAA release form. which is a violation.\n\nI sent a validation request months back, you sent me a insurance claim that is not a HIPAA RELEASE FORM.","date_sent_to_company":"2021-03-19T17:21:53.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"4228677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-19T16:58:12.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["of my private medical history with out a <em>HIPAA</em> release form. which is a violation."]},"sort":[12.61765,"4228677"]},{"_index":"complaint-public-v1","_id":"6948999","_score":12.608074,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I Have Never Signed a HIPAA Release Form For This Company Dynamic Recovery solutions HIPAA Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly HIPAA Violations","date_sent_to_company":"2023-05-08T22:06:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43605","tags":null,"has_narrative":true,"complaint_id":"6948999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dynamic Recovery Solutions, LLC","date_received":"2023-05-08T21:42:17.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I Have Never Signed a <em>HIPAA</em> Release Form For This Company Dynamic Recovery solutions <em>HIPAA</em> Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly <em>HIPAA</em> Violations"]},"sort":[12.608074,"6948999"]},{"_index":"complaint-public-v1","_id":"5191461","_score":12.561467,"_source":{"product":"Debt collection","complaint_what_happened":"The debt collection Medicredit has violated HIPAA. \nThey sending me mails to pay the amount they say i owe I sent them a certified mail asking them to send me a validation of the debt. \nThey sent me copy of procedures and X amount charged.\n\nThey're violating HIPAA i DID NOT authorize them i DID NOT SIGN a HIPAA form authorizing this collection agency to access to my medical records they are VIOLATING HIPAA they are VIOLATING MY RIGHTS my privacy has been violated","date_sent_to_company":"2022-02-06T23:55:54.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"77014","tags":null,"has_narrative":true,"complaint_id":"5191461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Outsource Group, Inc","date_received":"2022-02-06T23:28:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The debt collection Medicredit has violated <em>HIPAA</em>. \nThey sending me mails to pay the amount they say i owe I sent them a certified mail asking them to send me a validation of the debt. \nThey sent me copy of procedures and X amount charged.\n\nThey're violating <em>HIPAA</em> i DID NOT authorize them i DID NOT SIGN a <em>HIPAA</em> form authorizing this collection agency to access to my medical records they are VIOLATING <em>HIPAA</em> they are VIOLATING MY RIGHTS my privacy has been violated"]},"sort":[12.561467,"5191461"]},{"_index":"complaint-public-v1","_id":"3476435","_score":12.561467,"_source":{"product":"Debt collection","complaint_what_happened":"HIPAA VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to HIPAA.\n\nIC SYSTEMS INC did not provide me a HIPAA release that releases my medical information to them, therefor they are in violation of my HIPAA rights. I will proceed with legal action prescribed by law should this item not be deleted within the required time allowed by law.","date_sent_to_company":"2019-12-30T20:36:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"3476435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2019-12-23T23:04:35.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>HIPAA</em> VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to <em>HIPAA</em>.\n\nIC SYSTEMS INC did not provide me a <em>HIPAA</em> release that releases my medical information to them, therefor they are in violation of my <em>HIPAA</em> rights."]},"sort":[12.561467,"3476435"]},{"_index":"complaint-public-v1","_id":"6339599","_score":12.493851,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.","date_sent_to_company":"2022-12-19T06:30:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28411","tags":null,"has_narrative":true,"complaint_id":"6339599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-19T06:30:13.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX has unlawfully used illegal documents that were a <em>HIPAA</em> violation when they validated these two accounts they also unlawfully disclosed <em>HIPAA</em> violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal <em>HIPAA</em> laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a <em>HIPAA</em> violation to"]},"sort":[12.493851,"6339599"]},{"_index":"complaint-public-v1","_id":"6339596","_score":12.481518,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.","date_sent_to_company":"2022-12-19T06:30:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28411","tags":null,"has_narrative":true,"complaint_id":"6339596","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-19T06:30:13.000Z","state":"NC","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":["XXXX XXXX XXXX has unlawfully used illegal documents that were a <em>HIPAA</em> violation when they validated these two accounts they also unlawfully disclosed <em>HIPAA</em> violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal <em>HIPAA</em> laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a <em>HIPAA</em> violation to"]},"sort":[12.481518,"6339596"]},{"_index":"complaint-public-v1","_id":"4699978","_score":12.4716625,"_source":{"product":"Debt collection","complaint_what_happened":"I sent RSI a validation letter in XX/XX/2021 ( attached ). Their response in XX/XX/2021 ( attached ) was stating that they do not need to provide any validation to except the name and amounts. There is a few problems with the verification that was sent. \nFirst- there is a HIPAA violation- they could not provide me, as I requested in original validation letter, a signed HIPAA form by me, releasing XXXX XXXX XXXX to release any medical information, as you can see there is all my medical information on the forms that they received, that is CLEARLY violating HIPAA privacy laws. ( which by law they MUST REMOVE THIS IMMEDIATELY ) Secondly-the so called validation they sent me are very detailed statements that were addressed to me, however the amount owed is {$0.00}!!\n\nTherefore, not only are you violating HIPAA, You are now violating FCRA laws.\n\nTHERE IS NO AMOUNT DUE!\n\nI will be reporting both to HIPAA for both their violations.","date_sent_to_company":"2021-09-07T21:04:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"80209","tags":null,"has_narrative":true,"complaint_id":"4699978","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"RSI Enterprises, Inc.","date_received":"2021-09-07T20:44:16.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Therefore, not only are you violating <em>HIPAA</em>, You are now violating FCRA laws.\n\nTHERE IS NO AMOUNT DUE!\n\nI will be reporting both to <em>HIPAA</em> for both their violations."]},"sort":[12.4716625,"4699978"]},{"_index":"complaint-public-v1","_id":"5531071","_score":12.465883,"_source":{"product":"Debt collection","complaint_what_happened":"I have requested validation { not Verification } of an item reported to XXXX by CACi. I have received a response that clearly violates my rights according to HIPAA. \nCACi did not provide me with a HIPAA release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights","date_sent_to_company":"2022-05-23T17:13:56.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"5531071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Adjustment Company Incorporated","date_received":"2022-05-03T03:40:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I have received a response that clearly violates my rights according to <em>HIPAA</em>. \nCACi did not provide me with a <em>HIPAA</em> release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my <em>HIPAA</em> rights"]},"sort":[12.465883,"5531071"]},{"_index":"complaint-public-v1","_id":"8390025","_score":12.437107,"_source":{"product":"Debt collection","complaint_what_happened":"I am not liable for this debt with XXXX XXXX XXXX, I don't have a contract with Collection Consultants of CA. \nThey did not provide me with the original contract, bearing my signature as requested. \n\nI have never signed a HIPAA release form with the following alleged creditors : Collection Consultants of XXXX  XXXX XXXX XXXX Therefore, these are inaccurate HIPAA violations and I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now aware of these HIPAA violations. \n\nDelete immediately.","date_sent_to_company":"2024-02-21T02:22:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"8390025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Consultants of California","date_received":"2024-02-21T01:20:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have never signed a <em>HIPAA</em> release form with the following alleged creditors : Collection Consultants of XXXX  XXXX XXXX XXXX Therefore, these are inaccurate <em>HIPAA</em> violations and I want these immediately deleted. <em>HIPAA</em> laws protect my personal medical information from being used without my consent and you are now aware of these <em>HIPAA</em> violations. \n\nDelete immediately."]},"sort":[12.437107,"8390025"]},{"_index":"complaint-public-v1","_id":"5614124","_score":12.375846,"_source":{"product":"Debt collection","complaint_what_happened":"Upon reviewing Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX. \nI, XXXX XXXX, an federally protected consumer, dated on XX/XX/2022 am aware that this company Consumer Adjustment Company Inc ( CACi ) are in violation of HIPAA. Criminal Penalties for HIPAA Violations, The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. Restitution may also need to be paid to the victims. I am demanding remedy for each violation. Consumer Adjustment Company Inc ( CACi ) will be held accountable.","date_sent_to_company":"2022-05-30T14:44:41.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"33150","tags":null,"has_narrative":true,"complaint_id":"5614124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Adjustment Company Incorporated","date_received":"2022-05-30T14:31:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["I, XXXX XXXX, an federally protected consumer, dated on XX/XX/2022 am aware that this company Consumer Adjustment Company Inc ( CACi ) are in violation of <em>HIPAA</em>. Criminal Penalties for <em>HIPAA</em> Violations, The minimum fine for willful violations of <em>HIPAA</em> Rules is {$50000.00}. The maximum criminal penalty for a <em>HIPAA</em> violation by an individual is {$250000.00}. Restitution may also need to be paid to the victims. I am demanding remedy for each violation."]},"sort":[12.375846,"5614124"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4870,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4870}]}},"product":{"doc_count":4870,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2111,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2102},{"key":"Other personal consumer report","doc_count":8},{"key":"Credit repair services","doc_count":1}]}},{"key":"Debt collection","doc_count":2015,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":1683},{"key":"I do not know","doc_count":139},{"key":"Medical","doc_count":94},{"key":"Other debt","doc_count":44},{"key":"Credit card debt","doc_count":33},{"key":"Other (i.e. phone, health club, etc.)","doc_count":11},{"key":"Rental debt","doc_count":6},{"key":"Auto debt","doc_count":2},{"key":"Credit card","doc_count":1},{"key":"Federal student loan debt","doc_count":1},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":629,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":623},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Checking or savings account","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":23},{"key":"Other banking product or service","doc_count":3}]}},{"key":"Credit card","doc_count":22,"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":14},{"key":"Store credit card","doc_count":5}]}},{"key":"Credit reporting","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit card or prepaid card","doc_count":10,"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":7},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Payroll card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Student loan","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":7},{"key":"Private student loan","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":7},{"key":"Lease","doc_count":2}]}},{"key":"Debt or credit management","doc_count":7,"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":3}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Mobile or digital wallet","doc_count":1},{"key":"Money order","doc_count":1},{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}},{"key":"Mortgage","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2},{"key":"Title loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Payday loan","doc_count":1}]}}]}},"issue":{"doc_count":4870,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":1602,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":1316},{"key":"Account information incorrect","doc_count":161},{"key":"Account status incorrect","doc_count":68},{"key":"Public record information inaccurate","doc_count":18},{"key":"Personal information incorrect","doc_count":15},{"key":"Old information reappears or never goes away","doc_count":13},{"key":"Information is missing that should be on the report","doc_count":9},{"key":"Information is incorrect","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":817,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":591},{"key":"Debt was result of identity theft","doc_count":110},{"key":"Debt was paid","doc_count":96},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":20}]}},{"key":"Written notification about debt","doc_count":635,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":444},{"key":"Didn't receive notice of right to dispute","doc_count":179},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":12}]}},{"key":"Improper use of your report","doc_count":514,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":448},{"key":"Credit inquiries on your report that you don't recognize","doc_count":52},{"key":"Report provided to employer without your written authorization","doc_count":10},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":4}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":461,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":333},{"key":"Was not notified of investigation status or results","doc_count":48},{"key":"Investigation took more than 30 days","doc_count":37},{"key":"Problem with personal statement of dispute","doc_count":28},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":15}]}},{"key":"Took or threatened to take negative or legal action","doc_count":187,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":156},{"key":"Sued you without properly notifying you of lawsuit","doc_count":10},{"key":"Threatened to sue you for very old debt","doc_count":10},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":4},{"key":"Collected or attempted to collect exempt funds","doc_count":3},{"key":"Seized or attempted to seize your property","doc_count":3},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":149,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":92},{"key":"Investigation took more than 30 days","doc_count":28},{"key":"Problem with personal statement of dispute","doc_count":15},{"key":"Was not notified of investigation status or results","doc_count":12},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2}]}},{"key":"False statements or representation","doc_count":139,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":120},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":14},{"key":"Indicated you were committing crime by not paying debt","doc_count":5}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":66,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":57},{"key":"Contacted you after you asked them to stop","doc_count":7},{"key":"Contacted you instead of your attorney","doc_count":1},{"key":"Contacted your employer","doc_count":1}]}},{"key":"Communication tactics","doc_count":55,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":22},{"key":"You told them to stop contacting you, but they keep trying","doc_count":18},{"key":"Used obscene, profane, or other abusive language","doc_count":12},{"key":"Threatened to take legal action","doc_count":2},{"key":"Called before 8am or after 9pm","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":46,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":28},{"key":"Right to dispute notice not received","doc_count":18}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":36,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":29},{"key":"Debt was paid","doc_count":7}]}},{"key":"Improper contact or sharing of info","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third party about my debt","doc_count":19},{"key":"Contacted me after I asked not to","doc_count":2},{"key":"Contacted employer after asked not to","doc_count":1},{"key":"Contacted me instead of my attorney","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":11},{"key":"Card was charged for something you did not purchase with the card","doc_count":3},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":7},{"key":"Account terms","doc_count":5},{"key":"Account status","doc_count":1}]}},{"key":"Managing an account","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":7},{"key":"Deposits and withdrawals","doc_count":3},{"key":"Funds not handled or disbursed as instructed","doc_count":2},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":11},{"key":"Didn't receive services that were advertised","doc_count":1}]}},{"key":"Electronic communications","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":5},{"key":"You told them to stop contacting you, but they keep trying","doc_count":4},{"key":"Used obscene, profane, or other abusive language","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Privacy issues","doc_count":2},{"key":"Add-on products and services","doc_count":1},{"key":"Credit card company forcing arbitration","doc_count":1},{"key":"Other problem","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Opening an account","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":3},{"key":"Account opened as a result of fraud","doc_count":1},{"key":"Didn't receive terms that were advertised","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with the fees charged","doc_count":1},{"key":"Need information about your loan balance or loan terms","doc_count":1},{"key":"Received bad information about your loan","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":3},{"key":"Money was taken from your account on the wrong day or for the wrong amount","doc_count":1}]}},{"key":"Problem with customer service","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Delays in the application process","doc_count":1}]}},{"key":"Closing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":2},{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with statement of dispute","doc_count":2},{"key":"No notice of investigation status/result","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"High-pressure sales tactics","doc_count":2},{"key":"Confusing or misleading advertising or marketing","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":3}]}},{"key":"Billing disputes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":2}]}},{"key":"Problem with a purchase or transfer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":2}]}},{"key":"Problem with additional add-on products or services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account reinstatement or redemption after repossession","doc_count":1},{"key":"Company communicating payment assistance or payment extension options","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Struggling to repay your loan","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":2}]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Customer service / Customer relations","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper use of my credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Report improperly shared by CRC","doc_count":1}]}},{"key":"Lost or stolen money order","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Struggling to pay your bill","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1}]}},{"key":"Taking/threatening an illegal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to/Collected exempt funds","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":4870,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4749},{"key":"No","doc_count":121}]}},"company_response":{"doc_count":4870,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3990},{"key":"Closed with non-monetary relief","doc_count":834},{"key":"Untimely response","doc_count":18},{"key":"Closed with monetary relief","doc_count":15},{"key":"Closed","doc_count":13}]}},"submitted_via":{"doc_count":4870,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4870}]}},"company":{"doc_count":4870,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":876},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":759},{"key":"Experian Information Solutions Inc.","doc_count":746},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":92},{"key":"Medical Data Systems, Inc.","doc_count":79},{"key":"AmeriCollect","doc_count":63},{"key":"Capio Partners, LLC","doc_count":58},{"key":"Commonwealth Financial Systems, Inc.","doc_count":55},{"key":"Phoenix Financial Services LLC","doc_count":54},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":49},{"key":"W&A Intermediate Co., LLC","doc_count":48},{"key":"Ability Recovery Services, LLC","doc_count":47},{"key":"TRANSWORLD SYSTEMS INC","doc_count":45},{"key":"NRA Group, LLC","doc_count":33},{"key":"United Revenue Corporation","doc_count":33},{"key":"Receivables Management Partners, LLC","doc_count":31},{"key":"Aargon Agency, Inc.","doc_count":30},{"key":"Collection Management Holdings, LLC","doc_count":30},{"key":"I.C. System, Inc.","doc_count":28},{"key":"Radius Global Solutions LLC","doc_count":27},{"key":"The Outsource Group, Inc","doc_count":27},{"key":"CCS Financial Services, Inc.","doc_count":26},{"key":"First Federal Credit Control, Inc.","doc_count":25},{"key":"CMRE Financial Services, Inc.","doc_count":23},{"key":"Jon Barry and Associates, Inc.","doc_count":22},{"key":"TENET HEALTHCARE CORPORATION","doc_count":22},{"key":"Choice Recovery, Inc.","doc_count":21},{"key":"AR Resources, Inc.","doc_count":20},{"key":"GLA Collection Company, Inc.","doc_count":19},{"key":"R & B Corporation of Virginia","doc_count":19},{"key":"Debt Recovery Solutions, LLC","doc_count":18},{"key":"Paramount Recovery Systems, L.P.","doc_count":18},{"key":"Synerprise Consulting Services, Inc.","doc_count":17},{"key":"Transfinancial Companies, Inc","doc_count":17},{"key":"Asset Management Outsourcing, Inc.","doc_count":16},{"key":"Creditors Bureau Associates","doc_count":15},{"key":"Franklin Collection Service, Inc.","doc_count":15},{"key":"Professional Finance Company, Inc.","doc_count":15},{"key":"LEXISNEXIS","doc_count":14},{"key":"Millco Management","doc_count":14},{"key":"United Collection Bureau, Inc.","doc_count":14},{"key":"AMCOL Systems, Inc.","doc_count":13},{"key":"Central Portfolio Control Inc.","doc_count":13},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":13},{"key":"SYNCHRONY FINANCIAL","doc_count":13},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":12},{"key":"Merchants and Professional Bureau, Inc.","doc_count":12},{"key":"Pendrick Capital Partners","doc_count":12},{"key":"Profit Services Group","doc_count":12},{"key":"USCB, Inc.","doc_count":12},{"key":"AVANTE","doc_count":11},{"key":"Bull City Financial Solutions, Inc","doc_count":11},{"key":"CITIBANK, N.A.","doc_count":11},{"key":"Frost-Arnett Company","doc_count":11},{"key":"Io, Inc.","doc_count":11},{"key":"Professional Credit Management, Inc","doc_count":11},{"key":"The Law Offices of Mitchell D. Bluhm & Associates","doc_count":11},{"key":"Financial Data Systems","doc_count":10},{"key":"JPMORGAN CHASE & CO.","doc_count":10},{"key":"Medical-Commercial Audit Inc","doc_count":10},{"key":"Merchants' Credit Guide Company","doc_count":10},{"key":"Nationwide Recovery Systems, Ltd","doc_count":10},{"key":"Quality Asset Recovery LLC","doc_count":10},{"key":"R.M. Galicia, Inc.","doc_count":10},{"key":"State Collection Service, Inc.","doc_count":10},{"key":"Account Resolution Corporation","doc_count":9},{"key":"Capital Accounts, LLC","doc_count":9},{"key":"Consumer Adjustment Company Incorporated","doc_count":9},{"key":"Dynamic Recovery Solutions, LLC","doc_count":9},{"key":"FirstPoint Collection Resources","doc_count":9},{"key":"Harris & Harris, Ltd.","doc_count":9},{"key":"Kansas Counselors, Inc.","doc_count":9},{"key":"SCA Collections, Inc.","doc_count":9},{"key":"Alliance Collection Agencies, Inc.","doc_count":8},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":8},{"key":"Collection Consultants of California","doc_count":8},{"key":"Credit Bureau Systems, Inc., Paducah, KY Branch","doc_count":8},{"key":"Designed Receivable Solutions, Inc.","doc_count":8},{"key":"Early Warning Services, LLC","doc_count":8},{"key":"Elevate Recoveries, LLC","doc_count":8},{"key":"PlusFour, Inc","doc_count":8},{"key":"Remex, Inc.","doc_count":8},{"key":"Resurgent Capital Services L.P.","doc_count":8},{"key":"AmerAssist A/R Solutions, Inc.","doc_count":7},{"key":"Grant Mercantile Agency","doc_count":7},{"key":"Merchants Adjustment Service, Inc.","doc_count":7},{"key":"ONLINE Information Services, Inc.","doc_count":7},{"key":"Optimum Outcomes, Inc.","doc_count":7},{"key":"PMAB,LLC","doc_count":7},{"key":"Professional Recovery Management","doc_count":7},{"key":"Revco Management, LLC","doc_count":7},{"key":"S&S Physician Services, Inc.","doc_count":7},{"key":"ATG Credit, LLC","doc_count":6},{"key":"Adelante, Inc","doc_count":6},{"key":"Automated Accounts Management Services","doc_count":6},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":6},{"key":"Bread Financial Holdings, Inc.","doc_count":6},{"key":"COLLECTION SERVICES OF ATHENS, INC.","doc_count":6},{"key":"Carter-Young, Inc.","doc_count":6},{"key":"Credit Systems International, Inc.","doc_count":6},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":6},{"key":"Penn Credit Corporation","doc_count":6},{"key":"Sa-Vit Enterprises, Inc.","doc_count":6},{"key":"Sequoia Financial Services","doc_count":6},{"key":"APEX Asset Management, LLC","doc_count":5},{"key":"Adler Wallach & Associates, Inc.","doc_count":5},{"key":"American Accounts & Advisers, Inc.","doc_count":5},{"key":"Amsher Collection Services, Inc.","doc_count":5},{"key":"Business & Professional Collection Service Inc","doc_count":5},{"key":"CL Holdings LLC","doc_count":5},{"key":"Central States Recovery, Inc.","doc_count":5},{"key":"HEAD MERCANTILE CO., INC.","doc_count":5},{"key":"Healthcare Collections-I, LLC","doc_count":5},{"key":"Holloway Credit Solutions","doc_count":5},{"key":"KBR INC DBA RASH CURTIS & ASSOCIATES","doc_count":5},{"key":"KeyBridge Medical Revenue Management","doc_count":5},{"key":"Meade & Associates, Inc.","doc_count":5},{"key":"Midwest Recovery Systems","doc_count":5},{"key":"P.S.C., Inc","doc_count":5},{"key":"Patient Accounting Service Center","doc_count":5},{"key":"Portfolio Recovery Associates, LLC","doc_count":5},{"key":"RS Clark and Associates, Inc.","doc_count":5},{"key":"Receivable Management Group, Inc. (GA)","doc_count":5},{"key":"Specialized Collection Systems, Inc.","doc_count":5},{"key":"Stern Recovery Services, Inc.","doc_count":5},{"key":"Synergetic Communication Inc","doc_count":5},{"key":"U.S. BANCORP","doc_count":5},{"key":"ALCHRO INC.","doc_count":4},{"key":"ARC Management Group, LLC","doc_count":4},{"key":"BC SERVICES, INC.","doc_count":4},{"key":"Block, Inc.","doc_count":4},{"key":"Consumer Collection Management. Inc","doc_count":4},{"key":"EOS Holdings, Inc.","doc_count":4},{"key":"ERC","doc_count":4},{"key":"Express Recovery Services, Inc.","doc_count":4},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":4},{"key":"Grant & Weber","doc_count":4},{"key":"HOVG, LLC","doc_count":4},{"key":"Healthcare Receivables Group, Inc.","doc_count":4},{"key":"ID Analytics, Inc.","doc_count":4},{"key":"Medical Society Business Services, Inc.","doc_count":4},{"key":"MiraMed Revenue Group LLC","doc_count":4},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":4},{"key":"National Credit Adjusters, LLC","doc_count":4},{"key":"National Credit Systems,Inc.","doc_count":4},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":4},{"key":"Pendrick Capital Partners Holding, LLC","doc_count":4},{"key":"ProCollect, Inc.","doc_count":4},{"key":"RSI Enterprises, Inc.","doc_count":4},{"key":"Receivable Recovery Services, LLC","doc_count":4},{"key":"Receivables Management Corporation","doc_count":4},{"key":"Retail Merchants Associates","doc_count":4},{"key":"Revenue Assurance Professionals LLC","doc_count":4},{"key":"Simon's Agency, Inc.","doc_count":4},{"key":"Strategic Alliances, Inc.","doc_count":4},{"key":"TekCollect Inc.","doc_count":4},{"key":"AMERICAN ADJUSTMENT BUREAU,INC.","doc_count":3},{"key":"AMERICAN EXPRESS COMPANY","doc_count":3},{"key":"Action Revenue Recovery, LLC","doc_count":3},{"key":"Affiliated Management Services","doc_count":3},{"key":"Alorica Inc.","doc_count":3},{"key":"Applied Business Services, Inc.","doc_count":3},{"key":"BCA Financial Services, Inc.","doc_count":3},{"key":"Bay Area Receivables, Inc","doc_count":3},{"key":"CAC Financial Corp","doc_count":3},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":3},{"key":"COLLECTECH DIVERSIFIED, INC.","doc_count":3},{"key":"California Business Bureau, Inc.","doc_count":3},{"key":"Cascade Capital, LLC","doc_count":3},{"key":"Cedars Business Services, LLC","doc_count":3},{"key":"Collection Information Bureau, Inc.","doc_count":3},{"key":"Credit Bureau of Carbon County","doc_count":3},{"key":"DIRECMANAGEMENT, INC.","doc_count":3},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":3},{"key":"Financial Business and Consumer Solutions.","doc_count":3},{"key":"Harvard Collections, LLC","doc_count":3},{"key":"KLS Financial Services, Inc","doc_count":3},{"key":"MOHELA","doc_count":3},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":3},{"key":"Midwest Fidelity Services, LLC","doc_count":3},{"key":"National Business Factors","doc_count":3},{"key":"National Healthcare Collections, LLC","doc_count":3},{"key":"North American Credit Services","doc_count":3},{"key":"Peter Roberts & Associates, Inc.","doc_count":3},{"key":"Preferred Collection and Management, Inc.","doc_count":3},{"key":"Professional Placement Services, LLC","doc_count":3},{"key":"Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch","doc_count":3},{"key":"SMITH, ROUCHON & ASSOCIATES, INC.","doc_count":3},{"key":"T.S. Holdings","doc_count":3},{"key":"The Receivable Management Services LLC","doc_count":3},{"key":"Tri-State Adjustments, Inc.","doc_count":3},{"key":"United Resource Systems, Inc","doc_count":3},{"key":"Unlimited Progress Corp","doc_count":3},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"Account Services Collections, Inc","doc_count":2},{"key":"Accscient, LLC","doc_count":2},{"key":"Advanced Collection Bureau, Inc.","doc_count":2},{"key":"Aldous & Associates, PLLC","doc_count":2},{"key":"Alpine Credit, Inc","doc_count":2},{"key":"American Collections Enterprise, Inc.","doc_count":2},{"key":"Arbor Professional Solutions, Inc.","doc_count":2},{"key":"Associated Collectors, Inc.","doc_count":2},{"key":"Avadyne Health Holdings, Inc","doc_count":2},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"Business Revenue Systems, Inc.","doc_count":2},{"key":"CBC Companies, Inc.","doc_count":2},{"key":"CBM Services, Inc.","doc_count":2},{"key":"COLLECTION ASSOCIATES, LTD.","doc_count":2},{"key":"COLLECTION BUREAU INCORPORATED","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"CURO Intermediate Holdings","doc_count":2},{"key":"Client Services, Inc.","doc_count":2},{"key":"Collectibles Management Resources","doc_count":2},{"key":"Collection Management Services, Inc.","doc_count":2},{"key":"Collection Professionals, Inc.","doc_count":2},{"key":"Collection Resources, Inc.","doc_count":2},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":2},{"key":"Convergent Resources, Inc.","doc_count":2},{"key":"Credit & Collection Recovery Services, Inc.","doc_count":2},{"key":"Credit Center, LLC","doc_count":2},{"key":"Credit Collections U.S.A., L.L.C.","doc_count":2},{"key":"Credit Service Company, INC","doc_count":2},{"key":"Credit Service International Corp","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"Darnel Quick Recovery, Inc.","doc_count":2},{"key":"DataMax Corporation","doc_count":2},{"key":"Diversified Adjustment Service, Inc.","doc_count":2},{"key":"Diversified Consultants, Inc.","doc_count":2},{"key":"EdFinancial Services","doc_count":2},{"key":"Fidelity Properties Inc.","doc_count":2},{"key":"Finance System of Toledo, Inc.","doc_count":2},{"key":"Financial Credit Network Inc","doc_count":2},{"key":"Firstsource Business Process Services, LLC","doc_count":2},{"key":"GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC","doc_count":2},{"key":"GULF COAST COLLECTION BUREAU, INC.","doc_count":2},{"key":"JDJ Investments, INC.","doc_count":2},{"key":"KINGS CREDIT SERVICES","doc_count":2},{"key":"Kriya Capital, LLC","doc_count":2},{"key":"LJ Ross Associates","doc_count":2},{"key":"Mar Joe Enterprises","doc_count":2},{"key":"Maximus Federal Services, Inc.","doc_count":2},{"key":"Medical Business Bureau","doc_count":2},{"key":"Medical Recovery Services, LLC","doc_count":2},{"key":"Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates","doc_count":2},{"key":"Michael Harrison, Attorney at Law","doc_count":2},{"key":"Monterey Financial Services LLC","doc_count":2},{"key":"NIC, Inc.","doc_count":2},{"key":"NPAS, Inc.","doc_count":2},{"key":"Nationwide Credit & Collection, Inc.","doc_count":2},{"key":"Navient Solutions, LLC.","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"Nevada Credico, Inc.","doc_count":2},{"key":"Omega RMS, LLC","doc_count":2},{"key":"Optima Recovery Services LLC.","doc_count":2},{"key":"P&B Capital Group, LLC","doc_count":2},{"key":"PDQ Services, Inc.","doc_count":2},{"key":"Professional Adjustment Corp. of S.W. FL., Inc.","doc_count":2},{"key":"Professional Medical Management, Inc.","doc_count":2},{"key":"RSH & Associates, LLC","doc_count":2},{"key":"Receivable Solutions Specialist, Inc.","doc_count":2},{"key":"Receivable Solutions, Inc.","doc_count":2},{"key":"Receivables Outsourcing, Inc.","doc_count":2},{"key":"Revenue Enterprises, LLC","doc_count":2},{"key":"Rossman & Co & PCB","doc_count":2},{"key":"Rozlin Financial Group, Inc.","doc_count":2},{"key":"Senex Services Corp.","doc_count":2},{"key":"Southern Financial Systems, Inc.","doc_count":2},{"key":"Southwest Recovery Services, Inc.","doc_count":2},{"key":"Spring Oaks Capital, LLC","doc_count":2},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":2},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":2},{"key":"Team Recovery Inc.","doc_count":2},{"key":"The CBE Group, Inc.","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"UNIVERSAL COLLECTION SYSTEMS, INC","doc_count":2},{"key":"United Collection Service, Inc (FL)","doc_count":2},{"key":"United Consumers Inc","doc_count":2},{"key":"United We Collect, Inc.","doc_count":2},{"key":"A.R.M. Solutions, Inc.","doc_count":1},{"key":"ABSOLUTE CREDIT  LLC","doc_count":1},{"key":"ACCELERATED COLLECTION SERVICE, INC","doc_count":1},{"key":"ACXIOM CORP.","doc_count":1},{"key":"AES/PHEAA","doc_count":1},{"key":"AR Resources, Inc. (FL)","doc_count":1},{"key":"ARS National Services, Inc.","doc_count":1},{"key":"Access Receivables of NC Inc.","doc_count":1},{"key":"Account Control Bureau","doc_count":1},{"key":"Account Managers, Inc.","doc_count":1},{"key":"Account Outsourcing Group, LLC","doc_count":1},{"key":"Account Recovery Services, Inc.","doc_count":1},{"key":"Account Recovery Specialists, Inc.","doc_count":1},{"key":"Advanced Recovery Systems, Inc.","doc_count":1},{"key":"Allied Collection Service, Inc. (Indiana)","doc_count":1},{"key":"American Capital Enterprises, Inc.","doc_count":1},{"key":"American Student Assistance","doc_count":1},{"key":"Arcadia Holdings, LLC","doc_count":1},{"key":"Armada Corp.","doc_count":1},{"key":"Armstrong and Associates, Inc","doc_count":1},{"key":"Ascent Holding Co","doc_count":1},{"key":"Audit & Adjustment Co. Inc.","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"BYL Collection Services","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"Bonded Business Services, Ltd.","doc_count":1},{"key":"Bounce AI, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"Brown’s New Credit Bureau Inc.","doc_count":1},{"key":"Bureau of Accounts Control","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"C.Tech Collections, Inc.","doc_count":1},{"key":"CAB Receivables, Inc.","doc_count":1},{"key":"CAPITAL RESOURCE MANAGEMENT, INC.","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CB1, Inc.","doc_count":1},{"key":"CBA of GA, Inc.","doc_count":1},{"key":"CDI Affiliated Services, Inc.","doc_count":1},{"key":"CHARLES SCHWAB CORPORATION, THE","doc_count":1},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"CONRAD CREDIT CORPORATION","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"CREDIT WORLD SERVICES, INC.","doc_count":1},{"key":"Cadillac Accounts Receivable Management","doc_count":1},{"key":"California Accounts Service","doc_count":1},{"key":"Carter Business Service, Inc.","doc_count":1},{"key":"Cascade Collections, Inc.","doc_count":1},{"key":"Centron Services","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Clark County Collection Service","doc_count":1},{"key":"Coast 2 Coast Financial Group, LLC","doc_count":1},{"key":"Collection Bureau Services, Inc.","doc_count":1},{"key":"Collection Bureau of Fort Walton Beach, Inc","doc_count":1},{"key":"Collection Bureau of the Hudson Valley, Inc.","doc_count":1},{"key":"Collection Center Inc","doc_count":1},{"key":"Collection Service Center, Inc.","doc_count":1},{"key":"Collection Service, Inc.","doc_count":1},{"key":"Collection Solutions Inc.","doc_count":1},{"key":"Colony Brands, Inc.","doc_count":1},{"key":"Columbia Collection Service, Inc.","doc_count":1},{"key":"Commercial Acceptance Company","doc_count":1},{"key":"Commonwealth Health Corporation","doc_count":1},{"key":"Community Health Investment Company, LLC.","doc_count":1},{"key":"Concentric Receivables Management, Ltd.","doc_count":1},{"key":"Consumer Financial Services","doc_count":1},{"key":"Continental Credit Control","doc_count":1},{"key":"Credit Bureau Collection Services, Inc.","doc_count":1},{"key":"Credit Bureau Services Inc.","doc_count":1},{"key":"Credit Bureau Services of Iowa Inc.","doc_count":1},{"key":"Credit Bureau of Jonesboro, Inc.","doc_count":1},{"key":"Credit Card Receivables Fund Incorporated","doc_count":1},{"key":"Credit Consulting Services, Inc.","doc_count":1},{"key":"Credit Management Services, Inc.","doc_count":1},{"key":"Credit Systems of the Fox Valley, Inc.","doc_count":1},{"key":"Creditors Collection Bureau, Inc.","doc_count":1},{"key":"D.S. Erickson & Associates, PLLC","doc_count":1},{"key":"DCI Credit Services, Inc.","doc_count":1},{"key":"Delivery Financial Services, LLC","doc_count":1},{"key":"Denefits LLC","doc_count":1},{"key":"Dominion Law Associates, P.L.L.C.","doc_count":1},{"key":"FEDChex Recovery, LLC","doc_count":1},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":1},{"key":"FRESNO CREDIT BUREAU","doc_count":1},{"key":"Finance System of Green Bay, Inc.","doc_count":1},{"key":"Finance System of Richmond, Inc.","doc_count":1},{"key":"First Financial Resources, Inc.","doc_count":1},{"key":"Focused Recovery Solutions, Inc.","doc_count":1},{"key":"Frontline Asset Strategies, LLC","doc_count":1},{"key":"GFS II, LLC","doc_count":1},{"key":"GOLD KEY CREDIT, INC.","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"Green Square Company LLC.","doc_count":1},{"key":"GreenSky, LLC","doc_count":1},{"key":"Greenberg, Grant & Richards Inc.","doc_count":1},{"key":"Grow Credit Inc","doc_count":1},{"key":"HEARTLAND PAYMENT SYSTEMS INC","doc_count":1},{"key":"HF Holdings","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":1},{"key":"Halsted Financial Services, LLC.","doc_count":1},{"key":"Hauge Associates, Inc.","doc_count":1},{"key":"Healthcare Finance Direct LLC.","doc_count":1},{"key":"Healthcare Management, LLC","doc_count":1},{"key":"Herbert P. Sears Co., Inc.","doc_count":1},{"key":"IQOR US INC","doc_count":1},{"key":"Illinois Collection Service, Inc.","doc_count":1},{"key":"Integrity Funding Ohio, LLC","doc_count":1},{"key":"JP RECOVERY SERVICES, INC.","doc_count":1},{"key":"Jason A Craig, PC","doc_count":1},{"key":"Kahn, Dees, Donovan & Kahn, LLP","doc_count":1},{"key":"Key 2 Recovery, Inc.","doc_count":1},{"key":"Kikoff Inc.","doc_count":1},{"key":"Komyatte & Casbon, P.C.","doc_count":1},{"key":"LANIER COLLECTIONS AGENCY AND SERVICES INC","doc_count":1},{"key":"LHR Inc.","doc_count":1},{"key":"LPI, INC.","doc_count":1},{"key":"Lamont, Hanley & Associates, Inc.","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"Lotane & Associates, P.A.","doc_count":1},{"key":"MIB Group, Inc.","doc_count":1},{"key":"MSCB, Inc.","doc_count":1},{"key":"Main Resolution Group","doc_count":1},{"key":"Marauder Corporation","doc_count":1},{"key":"Maury Cobb, Attorney at Law, LLC","doc_count":1},{"key":"Meade Recovery Services, LLC","doc_count":1},{"key":"Medical-Dental-Hospital Bureau of San Antonio","doc_count":1},{"key":"Mercedes Benz Financial Services","doc_count":1},{"key":"Merchants Credit Corporation","doc_count":1},{"key":"Meridian Financial Services, Inc.","doc_count":1},{"key":"Metro Collection Service Inc.","doc_count":1},{"key":"Mid-South Adjustment Co., Inc.","doc_count":1},{"key":"Midwestern Health Management INC","doc_count":1},{"key":"Mortgage Research Center, LLC","doc_count":1},{"key":"Mountain Land Collections, Inc.","doc_count":1},{"key":"N.A.R., Inc.","doc_count":1},{"key":"NCB Management Services Inc.","doc_count":1},{"key":"NEW WORLD COLLECTIONS, INC.","doc_count":1},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":1},{"key":"National Account Systems of Omaha, LLC","doc_count":1},{"key":"Neighborhood Assistance Corporation of America (\"NACA\")","doc_count":1},{"key":"Netspend Corporation","doc_count":1},{"key":"New Hampshire Northeast Credit Services, Inc.","doc_count":1},{"key":"Northeast Recovery Solutions, LLC","doc_count":1},{"key":"Oliver Adjustment Co.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"PROSPERITY BANCSHARES, INC.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Performant Financial Corporation","doc_count":1},{"key":"Peterson Enterprises, Inc.","doc_count":1},{"key":"Phoenix Health Care Management Services, Inc.","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Primus Law PC","doc_count":1},{"key":"Prince Parker & Associates","doc_count":1},{"key":"Professional Choice Recovery, Inc.","doc_count":1},{"key":"Professional Recovery Consultants, Inc.","doc_count":1},{"key":"Quality Recovery Services, Inc.","doc_count":1},{"key":"R J Baucum Enterprises, Inc.","doc_count":1},{"key":"R.T.R. Financial Services, Inc.","doc_count":1},{"key":"RGL Associates, Inc.","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"Receivable Collection Services, LLC","doc_count":1},{"key":"Receivables Management Corporation of America","doc_count":1},{"key":"Renton Collections Inc.","doc_count":1},{"key":"RevMD Partners, LLC.","doc_count":1},{"key":"RevSolve, Inc.","doc_count":1},{"key":"Rhodes, Kelly Assoc Inc","doc_count":1},{"key":"Richland Bureau of Credits Medical Service Bureau Inc.","doc_count":1},{"key":"Ridge & Valley Realty, Inc.","doc_count":1},{"key":"RoundPoint Mortgage Servicing LLC","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"SECURITY CREDIT SYSTEMS INC","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Schachter Portnoy, L.L.C.","doc_count":1},{"key":"Sentry Recovery and Collections, Inc.","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Servicer under contract with Federal Student Aid","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"Sherloq Group, Inc","doc_count":1},{"key":"Skopos Financial, LLC","doc_count":1},{"key":"Snow and Sauerteig LLP","doc_count":1},{"key":"Social Finance, Inc.","doc_count":1},{"key":"Southwest Credit Systems, L.P.","doc_count":1},{"key":"Stallings Financial Group, Inc.","doc_count":1},{"key":"Stanislaus Credit Control Service, Inc.","doc_count":1},{"key":"Suburban Credit Corporation","doc_count":1},{"key":"Summit A*R, Inc.","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"Suttell, Hammer & White, P.S","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TSC Accounts Receivable Solutions","doc_count":1},{"key":"Telerecovery Corporation","doc_count":1},{"key":"The Bureaus, Inc.","doc_count":1},{"key":"Thunderbird Collection Specialists, Inc.","doc_count":1},{"key":"Tiptree Financial Inc.","doc_count":1},{"key":"Tormey Bewley Corporation","doc_count":1},{"key":"TrueAccord Corp.","doc_count":1},{"key":"Tulsa Adjustment Bureau","doc_count":1},{"key":"U.S. Collections West, Inc.","doc_count":1},{"key":"Union Credit Corporation","doc_count":1},{"key":"VALLEY CREDIT SERVICES, INC. (WI)","doc_count":1},{"key":"Vengroff Williams, Inc","doc_count":1},{"key":"Walwick, Inc","doc_count":1},{"key":"Waterfall Revenue Group","doc_count":1},{"key":"We Collect Inc","doc_count":1},{"key":"Williams & Fudge, Inc","doc_count":1},{"key":"Williams, Alexander & Associates, Inc","doc_count":1},{"key":"Williams, Rush & Associates, LLC","doc_count":1},{"key":"Winklevoss Exchange LLC","doc_count":1},{"key":"Witkes Law Firm LLC","doc_count":1},{"key":"Works & Lentz of Tulsa, Inc.","doc_count":1},{"key":"Works & Lentz, Inc","doc_count":1},{"key":"World Acceptance Corporation","doc_count":1},{"key":"ZARVAD III S.A.","doc_count":1},{"key":"ZWICKER & ASSOCIATES","doc_count":1},{"key":"Zakheim Law Group, P.A.","doc_count":1},{"key":"Zions Debt Holdings","doc_count":1},{"key":"iQuantified Management Services, LLC","doc_count":1}]}},"state":{"doc_count":4870,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":1186},{"key":"TX","doc_count":583},{"key":"GA","doc_count":456},{"key":"CA","doc_count":288},{"key":"NY","doc_count":249},{"key":"NJ","doc_count":181},{"key":"NC","doc_count":178},{"key":"OH","doc_count":153},{"key":"IL","doc_count":133},{"key":"PA","doc_count":125},{"key":"AL","doc_count":122},{"key":"TN","doc_count":102},{"key":"MO","doc_count":100},{"key":"SC","doc_count":91},{"key":"LA","doc_count":81},{"key":"VA","doc_count":81},{"key":"NV","doc_count":80},{"key":"AZ","doc_count":73},{"key":"MD","doc_count":67},{"key":"IN","doc_count":53},{"key":"MI","doc_count":48},{"key":"MS","doc_count":44},{"key":"CO","doc_count":39},{"key":"AR","doc_count":37},{"key":"KY","doc_count":37},{"key":"WI","doc_count":36},{"key":"MA","doc_count":27},{"key":"WA","doc_count":27},{"key":"DE","doc_count":25},{"key":"KS","doc_count":21},{"key":"IA","doc_count":19},{"key":"UT","doc_count":17},{"key":"ID","doc_count":14},{"key":"OK","doc_count":13},{"key":"CT","doc_count":11},{"key":"MN","doc_count":11},{"key":"NE","doc_count":11},{"key":"HI","doc_count":8},{"key":"DC","doc_count":6},{"key":"MT","doc_count":5},{"key":"ND","doc_count":5},{"key":"OR","doc_count":5},{"key":"FM","doc_count":4},{"key":"ME","doc_count":4},{"key":"NH","doc_count":3},{"key":"RI","doc_count":3},{"key":"WV","doc_count":2},{"key":"WY","doc_count":2},{"key":"AK","doc_count":1},{"key":"NM","doc_count":1},{"key":"SD","doc_count":1},{"key":"VT","doc_count":1}]}},"company_public_response":{"doc_count":4870,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1974},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":414},{"key":"Company disputes the facts presented in the complaint","doc_count":50},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":27},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":18},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":12},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":5},{"key":"Company chooses not to provide a public response","doc_count":4},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":2},{"key":"Company believes complaint is the result of an isolated error","doc_count":1}]}},"tags":{"doc_count":4870,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":321},{"key":"Older American","doc_count":30},{"key":"Older American, Servicemember","doc_count":5}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[12.375774,"5614124"],"3":[12.171085,"4705112"],"4":[12.003131,"6907758"],"5":[11.794782,"11122906"],"6":[11.6629505,"3499489"],"7":[11.57699,"15354504"],"8":[11.520058,"3482321"]}}}