{"took":707,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":890,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11240587","_score":15.694331,"_source":{"product":"Credit card","complaint_what_happened":"I, as the consumer have reclaimed the principal security interest on the credit card account in the name of the principal d/b/a XXXX XXXX XXXX XXXX , I have sent novations to JP MORGAN CHASE BANK , NA . reclaiming the principal 's security interest and tendering the payment by way of the bill of exchange fully indorsed since XXXX of XXXX with payment orders directing the bank to transfer the principals security interest to apply to the principals balance for set off, by way of registered and certified mail. this account has never been credited with the interest owed to the principal 's account, even though not XXXX bill of exchange has been returned to the consumer stating a defect. as the Agent to the principal these bills of exchange have been sent directly to XXXX XXXX, XXXX XXXX XXXX JP MORGAN CHASE BANK XXXX XXXX XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX/INDENTURED XXXX XXXX XXXX XXXX XXXX the bank has placed this account in a default status and now we're in litigation as JP MORGAN CHASE BANK XXXX NA XXXX has filed a lawsuit against the consumer. case XXXX XXXX XXXX XXXX XXXX common pleas court, XXXX Ohio. These banks simply refuse to allow the consumer to claim the principal 's security interest to set off this account. JP MORGAN CHASE BANK, NA.is demanding that the consumer continue to send additional funds to the bank to satisfy the account. so much so JP MORGAN CHASE BANK, NA. has filed a lawsuit against the consumer named XXXX XXXX XXXX XXXX even though the consumer has been performing by way of the bill of exchange, stating the claim to the principal 's security interest, ordering the bank to transfer the principal 's security interest to the principal 's balance to set off the account to a XXXX balance. each party the agent to the principal has contacted as mentioned above through registered and certified mail. they have all ignored my novations and payment orders refusing to credit the account, even telling the consumer that type of payment wasn't accepted. 18 USC 8 states the bill of exchange is the same as a united state dollars. this account was prepaid according to the Federal Reserve Act sec, 16. as the consumer I have been performing as the bill of exchange act requires, performance is payment in law. for the banks to deny the principal the principal 's interest by claiming nonperformance, then to file a lawsuit to try to gain something extra should be criminal. JP MORGAN CHASE BANK, NA. has stated the account has been closed denying the principal access to credit. This is very wrong for the banks to be allowed to get away with such actions against the consumers, I felt this should be reported.","date_sent_to_company":"2024-12-22T06:26:28.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"454XX","tags":null,"has_narrative":true,"complaint_id":"11240587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-22T05:02:56.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["as JP MORGAN CHASE BANK XXXX NA XXXX has filed a <em>lawsuit</em> <em>against</em> the <em>consumer</em>. case XXXX XXXX XXXX XXXX XXXX common pleas court, XXXX Ohio."]},"sort":[15.694331,"11240587"]},{"_index":"complaint-public-v1","_id":"2673687","_score":15.303087,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been \" verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a \" contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. \n\nThis is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.","date_sent_to_company":"2017-09-14T04:46:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92128","tags":null,"has_narrative":true,"complaint_id":"2673687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-14T04:46:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This fake company XXXX sent me a fake contract with no information on it other than my <em>name</em> no address, social, date of birth or <em>even</em> a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the <em>Consumer</em> Financial Protection Bureau complaint <em>against</em> this company in regards to this false account."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.303087,"2673687"]},{"_index":"complaint-public-v1","_id":"2673686","_score":15.294636,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been \" verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a \" contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it XXXX or any other legal proof that I ever authorized or had any part of it. \n\nThis is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX 1 immediately, as you AND this illegitimate company are in violation of federal law.","date_sent_to_company":"2017-09-14T04:46:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92128","tags":null,"has_narrative":true,"complaint_id":"2673686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-14T04:30:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This fake company XXXX sent me a fake contract with no information on it other than my <em>name</em> no address, social, date of birth or <em>even</em> a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the <em>Consumer</em> Financial Protection Bureau complaint <em>against</em> this company in regards to this false account."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.294636,"2673686"]},{"_index":"complaint-public-v1","_id":"2673688","_score":15.263622,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been \" verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a \" contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. \n\nThis is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.","date_sent_to_company":"2017-09-14T04:46:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92128","tags":null,"has_narrative":true,"complaint_id":"2673688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-14T04:46:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This fake company XXXX sent me a fake contract with no information on it other than my <em>name</em> no address, social, date of birth or <em>even</em> a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the <em>Consumer</em> Financial Protection Bureau complaint <em>against</em> this company in regards to this false account."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[15.263622,"2673688"]},{"_index":"complaint-public-v1","_id":"1767090","_score":15.186423,"_source":{"product":"Debt collection","complaint_what_happened":"I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! \n\nI know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? \n\nI can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.","date_sent_to_company":"2016-02-02T03:10:24.000Z","issue":"Improper contact or sharing of info","sub_product":"Credit card","zip_code":"48331","tags":null,"has_narrative":true,"complaint_id":"1767090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-02-02T03:10:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["This postcard I received identified me as part of a class action settlement <em>against</em> a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? \n\nI can not <em>even</em> tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER <em>lawsuit</em> if it has n't already."]},"sort":[15.186423,"1767090"]},{"_index":"complaint-public-v1","_id":"11641488","_score":15.110781,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. They have failed to remove fraudulent names, addresses, accounts, potentially negative items, closed accounts, etc even after informing them of fraud / identity theft","date_sent_to_company":"2025-01-18T13:28:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"11641488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T13:09:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>Consumer</em> Financial Protection Bureau ( CFPB ) has recently filed a <em>lawsuit</em> <em>against</em> Experian, alleging systemic issues such as failing to forward <em>consumer</em>-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify <em>consumers</em> of dispute outcomes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.110781,"11641488"]},{"_index":"complaint-public-v1","_id":"4927517","_score":14.929106,"_source":{"product":"Debt collection","complaint_what_happened":"COMPLAINT BASIS : I am having SEVERE issues with Collection Companies that have been attempting to collect on debt I am NOT LEGALLY RESPONSIBLE to pay for myself. The debt may have even already been PAID by the ACTUAL Responsible Parties involved. \nMY NAME/ RECORDS should NOT be involved in this debt, regardless. \nThe Collection Companies involved have been repeatedly notified via multiple Credit Reporting Disputes & other CFPB Complaints of this situation & REFUSE to correct it. \n\nEven worse, now, on at least one of my Credit Reports they have actually RETALIATED against me for filing a Fraud Dispute with Credit Reporters & the CFPB against them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company name ( which they themselves may even own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company Name pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically & intentionally ALTERING just the filing date numerals to DEFEAT the Credit Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this. \n\nThis Account is one of these RETALIATORY DUPLICATIONS.\n\nThese Companies clearly believe they can VIOLATE US Federal and/or State Regulations at will, & also attempt to RETALIATE AGAINST/ INTIMIDATE CONSUMERS who try to get these Collection Companies to comply with US Federal Statutes XXXX \n\nTherefore, I am filing a Federal Complaint against the Companies involved, to make the US Federal CFPB & Other Federal Agencies, such as the US Department of Justice, aware of these Collection Companies improper, unlawful, threatening tactics, in order for ALL appropriate Federal Corrective Actions to be ENFORCED against them, so ALL Consumers are protected from these Collection Companies.\n\nI reserve ALL my Rights to also file Legal Action/s with the State Attorney Generals Office & personal Civil Law Actions ( ie. Lawsuits ) as well. \n\nBACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an XXXX ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective stairstep, No Warning Signs, & Lights being turned off. \nThe Restaurant involved & their Liability Insurance Company are LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of the Settlement to Avoid Lawsuit against them.\n\nAll the Bills were Submitted to these proper Responsible Parties by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer as a result. Why this Bill was not credited paid is due to ERRORS at the Original Creditor involved, who sold the Account. NOT me. \nDOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth.","date_sent_to_company":"2021-11-18T10:37:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"27577","tags":"Servicemember","has_narrative":true,"complaint_id":"4927517","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Applied Business Services, Inc.","date_received":"2021-11-18T09:17:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Federal Corrective Actions to be ENFORCED <em>against</em> them, so ALL <em>Consumers</em> are protected from these Collection Companies."]},"sort":[14.929106,"4927517"]},{"_index":"complaint-public-v1","_id":"4927229","_score":14.901689,"_source":{"product":"Debt collection","complaint_what_happened":"COMPLAINT BASIS : I am having SEVERE issues with Collection Companies that have been attempting to collect on debt I am NOT LEGALLY RESPONSIBLE to pay for myself. The debt may have even already been PAID by the ACTUAL Responsible Parties involved. \nMY NAME/ RECORDS should NOT be involved in this debt, regardless. \nThe Collection Companies involved have been repeatedly notified via multiple Credit Reporting Disputes & other CFPB Complaints of this situation & REFUSE to correct it.\n\nEven worse, now, on at least one of my Credit Reports they have actually RETALIATED against me for filing a Fraud Dispute with Credit Reporters & the CFPB against them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company name ( which they themselves may even own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company Name pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically & intentionally ALTERING just the filing date numerals to DEFEAT the Credit Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.\n\nThis Account is one of these RETALIATORY DUPLICATIONS.\n\nThese Companies clearly believe they can VIOLATE US Federal and/or State Regulations at will, & also attempt to RETALIATE AGAINST/ INTIMIDATE CONSUMERS who try to get these Collection Companies to comply with US Federal Statutes .\n\nTherefore, I am filing a Federal Complaint against the Companies involved, to make the US Federal CFPB & Other Federal Agencies, such as the US Department of Justice, aware of these Collection Companies improper, unlawful, threatening tactics, in order for ALL appropriate Federal Corrective Actions to be ENFORCED against them, so ALL Consumers are protected from these Collection Companies.\n\nI reserve ALL my Rights to also file Legal Action/s with the State Attorney Generals Office & personal Civil Law Actions ( ie. Lawsuits ) as well.\n\nBACKGROUND : I suffered a severe XXXX with permanently disabling injuries ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective stairstep, No Warning Signs, & Lights being turned off.\n\nThe Restaurant involved & their Liability Insurance Company are LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of the Settlement to Avoid Lawsuit against them.\n\nAll the Bills were Submitted to these proper Responsible Parties by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer as a result. Why this Bill was not credited paid is due to ERRORS at the Original Creditor involved, who sold the Account. NOT me. \nDOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth.","date_sent_to_company":"2021-11-18T10:38:03.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"27577","tags":"Servicemember","has_narrative":true,"complaint_id":"4927229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-18T10:37:59.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Even</em> worse, now, on at least one of my Credit Reports they have actually RETALIATED <em>against</em> me for filing a Fraud Dispute with Credit Reporters & the CFPB <em>against</em> them, by literally DUPLICATING the SAME Collection Account, originally posted under a DIFFERENT Collection Company <em>name</em> ( which they themselves may <em>even</em> own ), IMMEDIATELY AFTER it was CLOSED under the original Collection Company <em>Name</em> pursuant to a CFPB Complaint, by using literally the SAME Account Number, Amounts, Original Creditor, etc"]},"sort":[14.901689,"4927229"]},{"_index":"complaint-public-v1","_id":"14268468","_score":14.777913,"_source":{"product":"Debt collection","complaint_what_happened":"They claim to have notified me on XX/XX/year> but on XX/XX/XXXX, around XXXX a police officer who didnt identify themselves nor the court they worked for handed me a summons and complaint from Barclays Bank Delaware . A police officer coming to my door with a summons, was my first notice of the lawsuit or that the debt had changed hands. No letters, emails, or phone calls were made prior to this legal action to my knowledge. This feels like harassment and a violation of my rights under the Fair Debt Collection Practices Act. The amount of {$4000.00} is claimed to be owed to the Plaintiff now without any proof of how they came to this number nor that the alleged debt was sold or assigned from the original creditor. The failure to notify violates the FDCPA and relevant state consumer protection laws. I am disputing the debt collection lawsuit brought against me now allegedly on behalf of Barclays Bank Delaware. I was never notified that my account had been sold or transferred and I never received any written notice of the new debt owner or any opportunity to request validation prior to be sued. They didnt even have the name correct on the lawsuit which makes me wonder why they are trying to sue using just my social security number when my name has been legally changed due to marriage. There has been no proof given to me on the original contract, account ownership documentation, complete transaction history, and notice of assignment. I am requesting a full investigation into whether the collector followed proper procedures to notify me of debt sale and my right to dispute or validate the debt before filing a lawsuit. I also want to know if their aggressive tactics violate federal consumer protections.","date_sent_to_company":"2025-06-24T18:36:25.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"577XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14268468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-06-24T17:47:32.000Z","state":"SD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["They didnt <em>even</em> have the <em>name</em> correct on the <em>lawsuit</em> which makes me wonder why they are trying to sue using just my social security number when my <em>name</em> has been legally changed due to marriage. There has been no proof given to me on the original contract, account ownership documentation, complete transaction history, and notice of assignment."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[14.777913,"14268468"]},{"_index":"complaint-public-v1","_id":"4577138","_score":14.575388,"_source":{"product":"Debt collection","complaint_what_happened":"Well, this have been an issue for years XX/XX/XXXX. I was sent an Threatened email saying there is an lawsuit case # XXXX. Total amount owed is : {$860.00} and the settlement amount is : {$290.00} that was filed against me by Ace Cash XXXX /XXXX  XXXX XXXX XXXX XXXX . This debt was originally a debt due to ID Theft because they had another name attached to this loan even though some of my personal info included SSN was included ; yet since then, I did file for Ch XXXX bankruptcy on XXXX of XXXX and it was charged XX/XX/XXXX. Which I do have a copyof the Ch XXXX Bankruptcy being discharged from a Federal Bankruptcy court in XXXX, Texas by U.S. Federal BankruptcyJudge, Judge XXXX XXXX XXXX. Bankruptcy case # XXXX. Wo this loan debt is no longer owed and I have repeatedly contacted XXXX XXXX and XXXX XXXX and it is also to resolved this issue and I have even put in a previous Financial Consumer protection complaint against this same company. I do not have the reference number yet it should be on record and thus is my third complaint against this company.","date_sent_to_company":"2021-07-27T14:41:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"37217","tags":null,"has_narrative":true,"complaint_id":"4577138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2021-07-27T14:11:17.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Wo this loan debt is no longer owed and I have repeatedly contacted XXXX XXXX and XXXX XXXX and it is also to resolved this issue and I have <em>even</em> put in a previous Financial <em>Consumer</em> protection complaint <em>against</em> this same company. I do not have the reference number yet it should be on record and thus is my third complaint <em>against</em> this company."]},"sort":[14.575388,"4577138"]},{"_index":"complaint-public-v1","_id":"10503929","_score":14.440464,"_source":{"product":"Debt collection","complaint_what_happened":"Through this message I wish to convey the harassment I've experienced from Portfolio Recovery Associates. This company has been trying to collect debts from memultiple accounts without my knowledgedating back to XXXX. Some accounts even had incorrect names or addresses associated with them. I have received letters regarding wage garnishment, and they have successfully garnished my wages based on judgments retroactive to XXXX and XXXX, all while lacking a reasonable basis for these claims. These unlawful actions have significantly impacted my physical and mental well-being. \n\nAdditionally, Portfolio Recovery Associates has failed to properly investigate and resolve disputes related to their credit reporting. They are known for submitting misleading affidavits in debt-collection cases, falsely asserting their ability to prove debts if contested, and misrepresenting their legal claims on debts beyond applicable statutes of limitations. They have sold debt, threatened legal action, and filed lawsuits without the intent to substantiate the debt, along with making false representations. \n\nI have been a victim of this illegal bullying process, and enough is enough. I have rights under the CFPB, and I believe that Portfolio Recovery has violated federal consumer financial laws not only against me but against many others. I deserve a thorough investigation, and I intend to pursue legal action against this unscrupulous company that has evaded accountability for too long. Despite previous lawsuits, they continue their practices unchecked. Please advise.","date_sent_to_company":"2024-10-18T04:08:32.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"081XX","tags":null,"has_narrative":true,"complaint_id":"10503929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-10-18T03:52:19.000Z","state":"NJ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["They have sold debt, threatened legal action, and filed <em>lawsuits</em> without the intent to substantiate the debt, along with making false representations. \n\nI have been a victim of this illegal bullying process, and enough is enough. I have rights under the CFPB, and I believe that Portfolio Recovery has violated federal <em>consumer</em> financial laws not only <em>against</em> me but <em>against</em> many others."]},"sort":[14.440464,"10503929"]},{"_index":"complaint-public-v1","_id":"2902230","_score":14.16811,"_source":{"product":"Debt collection","complaint_what_happened":"A law firm by the name of BERNDT & ASSOCIATES P.C. Is trying to collect money for there client  XXXX XXXX. They proceeded by filing a lawsuit against me and we are now in the process of going to trial. My initial concerns was that this law firm has only supplied me with computer generated copies of statements that may or may not be accurate. This law firm represents XXXX XXXX, which is trying to collect money that is not owed to them. During and before the court proceeding this law firm stated they weren't debt collectors but the information sent to me stated this information was from a debt collector. The attorney sent to represent during the proceedings seems to think my wife and did not understand she was representing XXXX XXXX, witch in fact we were fully aware ... XXXX She also stated, after I asked three times, how much did XXXX XXXX pay for this debt, that I did not need to know that. It's my right as a consumer to know all information that I've requested, but this law firm and there client only gave computer generated information they wanted me to have, not all that was initially requested. The other scary thing about this case is that the law firm got our information mixed up with another client and gave me her full name and account number. The sad thing is they can't even handle what they are suppose to. It really concerns me even more because what if they have given my information to someone else as well. This law firm goes and tries to collect, get judgments against consumers and ruin their credit!!!! Unfortunately for them I will fight this to the end, even if I have to counter sue them or take this matter to a higher court.","date_sent_to_company":"2018-05-10T17:21:49.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"48036","tags":null,"has_narrative":true,"complaint_id":"2902230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Berndt & Associates, P.C.","date_received":"2018-05-10T15:39:01.000Z","state":"MI","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":["It really concerns me <em>even</em> more because what if they have given my information to someone else as well. This law firm goes and tries to collect, get judgments <em>against</em> <em>consumers</em> and ruin their credit!!!! Unfortunately for them I will fight this to the end, <em>even</em> if I have to counter sue them or take this matter to a higher court."]},"sort":[14.16811,"2902230"]},{"_index":"complaint-public-v1","_id":"9709411","_score":14.065016,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> Debt CO collections reported a fraudulent debt on my credit report from a fraudulent company doing business in XXXX called XXXX XXXX XXXX. This car dealership sold me a defective vehicle and from the first month of ownership I experienced issues after issues. At time the car would not even start. I was fraudulently sold a lemon car and there is laws against such sales. I disputed and requested for validation of the debt and proof of amounts. Till today they have not sent me any communication in regards to such debt and they keep updating the report to have a negative effect on my credit report. The company they claim they are collecting the debt for is under investigation with the Texas Attorney general for fraudulent business practices and there are several lawsuits against said company. They were able to change business names and yet operate negligently hence why the CFPB needs to investigate this business and the credit collections they are working with as both are operating very fraudulently. If they did not purchase the debt then why should they be allowed to intimidate consumers and demand payments be made to them?","date_sent_to_company":"2024-08-06T00:12:18.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"9709411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Co LLC","date_received":"2024-08-05T23:47:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The company they claim they are collecting the debt for is under investigation with the Texas Attorney general for fraudulent business practices and there are several <em>lawsuits</em> <em>against</em> said company. They were able to change business <em>names</em> and yet operate negligently hence why the CFPB needs to investigate this business and the credit collections they are working with as both are operating very fraudulently."]},"sort":[14.065016,"9709411"]},{"_index":"complaint-public-v1","_id":"11584843","_score":13.982979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. \nSome items on report are not even mine I have asked time and time again to prove its mine to no available. My brothers name is similar and they kept adding stuff to my credit without verifying debt.","date_sent_to_company":"2025-01-16T13:42:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85302","tags":null,"has_narrative":true,"complaint_id":"11584843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T13:31:28.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>Consumer</em> Financial Protection Bureau ( CFPB ) has recently filed a <em>lawsuit</em> <em>against</em> Experian, alleging systemic issues such as failing to forward <em>consumer</em>-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify <em>consumers</em> of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed provided, causing ongoing harm to my credit standing."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.982979,"11584843"]},{"_index":"complaint-public-v1","_id":"12027569","_score":13.879934,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). \n\nUnder federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. \n\nI am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. \n\nI have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.","date_sent_to_company":"2025-02-20T20:12:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"12027569","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-12T23:51:06.000Z","state":"AZ","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Recent reports from the <em>Consumer</em> Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate <em>consumer</em> disputes. A <em>lawsuit</em> has <em>even</em> been filed <em>against</em> Equifax for violating <em>consumer</em> protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). \n\nUnder federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.879934,"12027569"]},{"_index":"complaint-public-v1","_id":"12078044","_score":13.846287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). \n\nUnder federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.\n\nI am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. \n\nI have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.","date_sent_to_company":"2025-02-21T22:57:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90813","tags":null,"has_narrative":true,"complaint_id":"12078044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-15T01:09:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Recent reports from the <em>Consumer</em> Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate <em>consumer</em> disputes. A <em>lawsuit</em> has <em>even</em> been filed <em>against</em> Equifax for violating <em>consumer</em> protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). \n\nUnder federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.846287,"12078044"]},{"_index":"complaint-public-v1","_id":"8446629","_score":13.770019,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX Galaxy International LLC, through their attorney XXXX XXXX, XXXX executed a garnishment ( copy attached ) against my XXXX XXXX  account seizing {$2000.00} from my account for a default judgment of {$9000.00} ( now {$9900.00} with interest accrued ) they received through XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. I moved from XXXX  to XXXX  in XX/XX/XXXX and was not aware of any court case against me. I could not have been properly served as I had not lived at the address the company has for me since before the case was filed. There was no attempt to contact me for 1.5 years by either Galaxy or XXXX, the first indication I had a legal suit against me was the garnishment notice. I filed a formal change of address with the XXXX when I moved and I am not hard to find in public records. I do not know this debt and have no known connection to Galaxy International, LLC. Through research, I discovered XXXX is a foreign-owned debt purchasing company and discovered that the XXXX XXXX XXXX district court docket is loaded with Galaxy lawsuits handled by their attorney XXXX XXXX XXXX XXXX I made contact with XXXX XXXX on XX/XX/XXXX to request additional information. I was told they would be in contact within a week. I have not heard from XXXX and my multiple attempts to contact them led to voicemail with no callback. Whatever debt they may have purchased in my name, and with no details from Galaxy I can not even validate if this debt was ever mine, would have been from 10-15 years ago, and being sued without notice and having my funds garnished is beyond shocking and impactful. This is the most predatory business model out there. Throw out 100 's of lawsuits, with no attempt make contact with unsuspecting consumers who may or may not even owe the original debt purchased.","date_sent_to_company":"2024-02-29T18:39:18.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"92021","tags":null,"has_narrative":true,"complaint_id":"8446629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Galaxy Capital Acquisitions, LLC","date_received":"2024-02-29T18:03:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["Whatever debt they may have purchased in my <em>name</em>, and with no details from Galaxy I can not <em>even</em> validate if this debt was ever mine, would have been from 10-15 years ago, and being sued without notice and having my funds garnished is beyond shocking and impactful. This is the most predatory business model out there. Throw out 100 's of <em>lawsuits</em>, with no attempt make contact with unsuspecting <em>consumers</em> who may or may not <em>even</em> owe the original debt purchased."]},"sort":[13.770019,"8446629"]},{"_index":"complaint-public-v1","_id":"4835695","_score":13.742519,"_source":{"product":"Debt collection","complaint_what_happened":"COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved.\n\nMy name should NOT be involved regardless.\n\nThe Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.\n\nNow, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.\n\nThis Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. \nTherefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. \nBACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. \nThe XXXX  involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. \nAll the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. \nDOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.","date_sent_to_company":"2021-10-22T19:29:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"27577","tags":"Servicemember","has_narrative":true,"complaint_id":"4835695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Millco Management","date_received":"2021-10-22T17:17:25.000Z","state":"NC","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The Credit Reporting Company involved <em>even</em> identified this.\n\nThis Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate <em>consumers</em> trying to get them to comply. \nTherefore, I am filing a Federal Complaint <em>against</em> the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted <em>against</em> them, so that ALL <em>consumers</em> are protected from them."]},"sort":[13.742519,"4835695"]},{"_index":"complaint-public-v1","_id":"4835486","_score":13.740696,"_source":{"product":"Debt collection","complaint_what_happened":"COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying.\n\nIt may have even already been paid by the Responsible Party involved.\n\nMy Name/Credit should NOT be involved regardless.\n\nThe Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.\n\nNow, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this duplication attempt. \nThis Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply.\n\nTherefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. As well as Civil Damages resulting to me from these improper acts.\n\nBACKGROUND : I suffered a XXXX  XXXX  with XXXX XXXX XXXX ( including an XXXX  ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. \nThe RESTAURANT INVOLVED & THEIR INSURANCE COMPANY WERE LEGALLY RESPONSIBLE FOR PAYING ALL MY MEDICAL BILLS from this Incident as part of their Settlement to Avoid Lawsuit. \nALL the Bills were Submitted to the Restaurant & their Insurer including the Bill/s in question. Bills were clearly paid by the Restaurant & its Insurer. Why these ones were not credited paid and attached to me as Collections at all is clearly due to IMPROPER actions by the Collectors involved. Since I am NOT LEGALLY RESPONSIBLE for any payments. \nDOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of the Letter & Facts.","date_sent_to_company":"2021-10-22T20:17:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"27577","tags":"Servicemember","has_narrative":true,"complaint_id":"4835486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Applied Business Services, Inc.","date_received":"2021-10-22T19:49:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The Credit Reporting Company involved <em>even</em> identified this duplication attempt. \nThis Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate <em>consumers</em> trying to get them to comply.\n\nTherefore, I am filing a Federal Complaint <em>against</em> the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted <em>against</em> them, so that ALL <em>consumers</em> are protected from them."]},"sort":[13.740696,"4835486"]},{"_index":"complaint-public-v1","_id":"12975335","_score":13.665997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE FILED SEVERAL DISPUTES FOR THE XXXX XXXX ACCOUNT THAT IS FRAUD, EQUIFAX WAS GIVEN A FEDERAL COURT ORDER FROM A ORDER OF A JUDGE THAT XXXX XXXX XXXX ACCOUNT IS FRAUD AND IS ORDERED IT CANT BE REPORTED TO MY PERSONAL TRADE LINE. EQUIFAX DOESNT HELP THE CONSUMER AND BELIEVES EVERYTHING THE LENDER FMCC IS SAYING AND REQUESTING THEM TO UNBLOCK THE ACCOUNT SEVERAL TIMES A WEEK. I HAVE FILED POLICE REPORTS SHOWING I WASNT EVEN IN THE COUNTRY WHEN THESE LOANS WERE TAKEN OUT AND A ARRESTED REPORT OF THE PERSON WHO STOLE MY IDENTITY. THEY PERSON WHO IS REQUESTING THIS ACCOUNT TO BE UNBLOCKED IS A LADY NAMED XXXX IN THE ID DEPARTMENT AND IT WAS HER SON WHO WENT OT XXXX FOR STEALING MY IDENTITY. XXXX ATTORNEYS HAVE TOLD THE ID TO STOP ALL REPORTING OF THIS FRAUD ACCOUNT TO MY CREDIT FILE. I HAVE REFILED LAWSUITS AGAINST XXXX XXXX AND NOW AGAINST EQUIFAX BECUASE ENOUGH IS ENOUGH. IT IS RUINING ME CREDIT WISE TO BE HONEST AND XXXX AND XXXX HAVENT EVER ALLOWED THEN TO UNBLOCK THIS FRAUD XXXX ACCOUNT. XXXX LOST ALL MAINTENANCE OVER ANYTHING CONCERNING MY NAME. I HAVE A LETTER AS OF XX/XX/2025 IT WAS DELETED AND BLOCKED BUT WITHIN MINUTES IT WAS UNBLOCKED. LIKE SERIOUSLY. THATS CRAZY TO BE HONEST. I GUESS I WILL NEED TO KEEP THE LEGAL ACTION NOW AGAINST EQUIFAX. IM LOSING MY HOUSE DUE TO THIS. XXXX KEEPS CHARGEING THE ACCOUNT NUMBER AND BALANCE AND TERMS AND EQUIFAX ALLOWS THEM TO KEEP DOING IT JUST TO HURT ME","date_sent_to_company":"2025-04-14T21:43:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28411","tags":"Servicemember","has_narrative":true,"complaint_id":"12975335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-14T21:28:07.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I HAVE REFILED <em>LAWSUITS</em> <em>AGAINST</em> XXXX XXXX AND NOW <em>AGAINST</em> EQUIFAX BECUASE ENOUGH IS ENOUGH. IT IS RUINING ME CREDIT WISE TO BE HONEST AND XXXX AND XXXX HAVENT EVER ALLOWED THEN TO UNBLOCK THIS FRAUD XXXX ACCOUNT. XXXX LOST ALL MAINTENANCE OVER ANYTHING CONCERNING MY <em>NAME</em>. I HAVE A LETTER AS OF XX/XX/2025 IT WAS DELETED AND BLOCKED BUT WITHIN MINUTES IT WAS UNBLOCKED. LIKE SERIOUSLY. THATS CRAZY TO BE HONEST. I GUESS I WILL NEED TO KEEP THE LEGAL ACTION NOW <em>AGAINST</em> EQUIFAX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.665997,"12975335"]},{"_index":"complaint-public-v1","_id":"11461407","_score":13.635089,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"During a Consumer Credit Audit, I was interested to discover that Experian has been and continues to report discriminatory/HIPPA violating information on my consumer credit report. Also, after careful research, I have also found that Experian is not conducting Accurate investigations into credit inaccuracies and completely disregarding the concerns of me as a consumer to have fair and accurate consumer reporting. Between XXXX  and XXXX  XXXX, I have been contacting Experian to do an accurate and thorough credit investigation into my XXXX status being displayed on my consumer report, inaccurate names being used on my consumer report, undeliverable addresses being used on my credit report and inaccurate alleged \" debt '' being reported. I have the right to not be discriminated against based on bias/ inaccurate damaging information, and I have concluded that Experian is doing whatever they want and not abiding by consumer laws for fair and lawful practices. According to a lawsuit filed by the CFPB against Experian published on the XX/XX/XXXX, Experian has a record of not conducting accurate or minimal investigations into the complaints of consumers. This has to stop immediately. I have also submitted prior communication attempts as well as proof that Experian is only one between the three bureaus who refuses to acknowledge or even correctly investigate any disputes. XXXX and XXXX have both investigated and deleted the inaccurate or incorrect information ( see attachments )","date_sent_to_company":"2025-01-10T06:01:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11461407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T04:19:55.000Z","state":"OK","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":["I have the right to not be discriminated <em>against</em> based on bias/ inaccurate damaging information, and I have concluded that Experian is doing whatever they want and not abiding by <em>consumer</em> laws for fair and lawful practices. According to a <em>lawsuit</em> filed by the CFPB <em>against</em> Experian published on the XX/XX/XXXX, Experian has a record of not conducting accurate or minimal investigations into the complaints of <em>consumers</em>. This has to stop immediately."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.635089,"11461407"]},{"_index":"complaint-public-v1","_id":"21587921","_score":13.539584,"_source":{"product":"Debt collection","complaint_what_happened":"Midland Credit Management XXXX XXXX and Midland Funding, XXXX ( subsidiaries of Encore Capital Group , Inc. ) attempted to collect an alleged debt of {$1100.00} purportedly owed to XXXX, referenced under Midland account number ending in XXXX. \n\nI timely disputed the debt in writing within the 30-day validation period under 15 U.S.C. 1692g ( a ), requesting a signed credit agreement, complete accounting, name and address of the original creditor, and documentation of the chain of assignment from XXXX to Midland. \n\nMidland 's response was materially deficient in the following ways : WRONG ACCOUNT NUMBER : Midland 's documents referenced account number ending in XXXX. My actual XXXX account ends in XXXX. This fundamental discrepancy calls into question whether Midland is even collecting the correct debt from the correct consumer. \n\nMISSPELLED NAME : Midland 's documents listed my name as \" XXXX XXXX '' instead of my correct legal name, \" XXXX XXXX, '' demonstrating a lack of diligence in verifying the debtor 's identity. \n\nNO SIGNED CREDIT AGREEMENT : Midland failed to produce any signed credit agreement, contract, or application bearing my signature. Without this, there is no evidence I entered into a binding agreement creating the alleged obligation.\n\nNO CHAIN OF ASSIGNMENT : Midland failed to provide any bill of sale, assignment agreement, or documentation establishing the transfer of this debt from XXXX to Midland Funding, XXXX. \n\nDespite my timely written dispute and Midland 's failure to provide adequate verification, Midland violated 15 U.S.C. 1692g ( b ) which requires a debt collector to cease ALL collection activity after receiving a written dispute until proper verification is obtained and mailed to the consumer by continuing collection activity and escalating to filing a civil lawsuit against me in the District Court of Maryland for XXXX XXXX, Case No. XXXX. Filing a lawsuit is the most aggressive collection activity a debt collector can undertake, and doing so on an unverified, disputed debt is a flagrant violation of federal law. \n\nMidland also violated 15 U.S.C. 1692e ( false and misleading representations ) by implicitly representing to the court that it had standing and documentation to support its claim, and 15 U.S.C. 1692f ( unfair practices ) by suing on a debt it could not verify. \n\nMidland and Encore Capital Group have been subject to over {$85.00} million in government penalties since XXXX for systemic violations including collecting without documentation and filing lawsuits on unverified debts. The CFPB received over XXXX complaints against MCM in XXXX alone.","date_sent_to_company":"2026-05-06T16:37:21.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"21117","tags":"Older American","has_narrative":true,"complaint_id":"21587921","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-04-24T22:03:49.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This fundamental discrepancy calls into question whether Midland is <em>even</em> collecting the correct debt from the correct <em>consumer</em>. \n\nMISSPELLED <em>NAME</em> : Midland 's documents listed my <em>name</em> as \" XXXX XXXX '' instead of my correct legal <em>name</em>, \" XXXX XXXX, '' demonstrating a lack of diligence in verifying the debtor 's identity. \n\nNO SIGNED CREDIT AGREEMENT : Midland failed to produce any signed credit agreement, contract, or application bearing my signature."]},"sort":[13.539584,"21587921"]},{"_index":"complaint-public-v1","_id":"2911956","_score":13.463697,"_source":{"product":"Debt collection","complaint_what_happened":"This is in response to a previous complaint filed against XXXX XXXX XXXX.\n\nReliant responded to my complaint and claimed that I wasn't a party to the complaint.\n\nunfortunetly Reliant is wrong. I was given permission to speak on behalf of my daughter and discuss the debt on XX/XX/2018 when XXXX XXXX and I were on the phone with my daughter WHO granted verbal permission from me to discuss the debt. The entire conversation is recorded.\n\nRegardless, Reliant has not provided notification of the debt AND YET are trying to collect.\n\nthis is a FDCPA violation. Also Reliant claims to have forwarded my information regarding the debt to XXXX XXXX unfortunately this is a lie. Provide me the name of the person that Reliant spoke to regarding the documentation that was sent. They have not forwarded anything to XXXX. I have spoken to several different people at XXXX XXXX  and they informed me that they notified Reliant not to pursue collection,. \n\nThreatening to report a debt to a credit bureau even prior to receiving the actual debt is a violation. it is a threat. If I am not reimbursed for the violations in question I will file a lawsuit against reliant and they will be liable for consumer violations and will pay my attorneys fees and costs in addition they have caused a burden on myself and my family.","date_sent_to_company":"2018-05-19T18:00:31.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"07621","tags":null,"has_narrative":true,"complaint_id":"2911956","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Reliant Capital Solutions, LLC","date_received":"2018-05-19T16:59:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["If I am not reimbursed for the violations in question I will file a <em>lawsuit</em> <em>against</em> reliant and they will be liable for <em>consumer</em> violations and will pay my attorneys fees and costs in addition they have caused a burden on myself and my family."]},"sort":[13.463697,"2911956"]},{"_index":"complaint-public-v1","_id":"12293294","_score":13.265448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that TransUnion has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. \n\nViolations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with TransUnion, including : Conducting sham investigations : TransUnion, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. \nImproper reinsertion of inaccurate information : TransUnion has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. \nFailure to notify consumers adequately : TransUnion provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. \nThese practices undermine consumer rights and can significantly harm access to credit, employment, and housing. \n\nMy Dispute I have identified the following inaccuracies in my TransUnion credit report that require immediate correction : ACCOUNTS XXXXXXXX XXXX XXXX XXXX - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. \nDespite my previous efforts to address these errors, they persist, and I suspect improper practices by TransUnion have contributed to their continued presence.","date_sent_to_company":"2025-03-03T05:33:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"086XX","tags":null,"has_narrative":true,"complaint_id":"12293294","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-03T05:28:48.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Similar to the recent <em>Consumer</em> Financial Protection Bureau ( CFPB ) <em>lawsuit</em> <em>against</em> XXXX, I am deeply concerned that TransUnion has also failed to properly investigate <em>consumer</em> disputes and may have improperly reinserted inaccurate information on <em>consumer</em> reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.265448,"12293294"]},{"_index":"complaint-public-v1","_id":"13644853","_score":13.253675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports.\n\nViolations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX  highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. \nImproper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. \nFailure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. \nThese practices undermine consumer rights and can significantly harm access to credit, employment, and housing. \n\nMy Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS XXXX XXXX XXXXXXXX - XXXX * * * * - According to my records, I have never been late on this account. It appears that there are reports of XXXX or XXXX  days late without a preceding XXXX or XXXX days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. \n\nDespite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax, TransUnion have contributed to their continued presence.","date_sent_to_company":"2025-05-21T06:15:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"13644853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T06:10:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Similar to the recent <em>Consumer</em> Financial Protection Bureau ( CFPB ) <em>lawsuit</em> <em>against</em> XXXX, I am deeply concerned that Equifax has also failed to properly investigate <em>consumer</em> disputes and may have improperly reinserted inaccurate information on <em>consumer</em> reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.253675,"13644853"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":890,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":890}]}},"product":{"doc_count":890,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":316,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":293},{"key":"Other personal consumer report","doc_count":23}]}},{"key":"Debt 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