{"took":46,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":123,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7440412","_score":31.997532,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5USC1681 section 602 I have the right to privacy. 15USC1681 section 604a section 2 states A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 15USC1666b Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2023-08-22T18:31:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90025","tags":null,"has_narrative":true,"complaint_id":"7440412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-22T18:31:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under 15USC1666b A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 15USC1666b Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may"]},"sort":[31.997532,"7440412"]},{"_index":"complaint-public-v1","_id":"6047123","_score":29.956139,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Wells Fargo for taking adverse action with forethought and malice. \n\nI sent Wells Fargo a billing error notice ( A copy attached ) via Postal mail which was delivered on XX/XX/XXXX, through Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX. \n\nOn XX/XX/XXXX, Wells Fargo reported to XXXX ( Copies attached ) on my consumer report as the Account is 150 days past due. Wells Fargo has not mailed or delivered me a written acknowledgment, nor complied with the appropriate resolution said in 1666 Title 15 or 12 CFR 1026.13.\n\nAccording to 15 USC 1666a ( a ) REPORTS BY CREDITOR ON OBLIGORS FAILURE TO PAY AMOUNT REGARDED AS BILLING ERROR After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.\n\nFurthermore, in 15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\nWells Fargo is in clear violation of 15 USC 1666 et seq and has now forfeited any rights to collect the amount indicated in the billing error notice. \n\nThank you.","date_sent_to_company":"2022-10-04T04:34:45.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"85015","tags":null,"has_narrative":true,"complaint_id":"6047123","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-10-04T04:21:57.000Z","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":["Furthermore, in 15 USC 1666 ( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00}."]},"sort":[29.956139,"6047123"]},{"_index":"complaint-public-v1","_id":"6242471","_score":29.4551,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. \nThey also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.\n\nThey also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.\n\nThey also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. \nThey also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.\n\nThey also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. \nThey also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}","date_sent_to_company":"2022-11-27T02:26:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22405","tags":null,"has_narrative":true,"complaint_id":"6242471","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-27T02:26:29.000Z","state":"VA","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":["The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection"]},"sort":[29.4551,"6242471"]},{"_index":"complaint-public-v1","_id":"6242470","_score":29.400831,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. \nThey also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.\n\nThey also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.\n\nThey also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. \nThey also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.\n\nThey also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.\n\nThey also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}","date_sent_to_company":"2022-11-27T02:26:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22405","tags":null,"has_narrative":true,"complaint_id":"6242470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-27T02:26:29.000Z","state":"VA","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":["The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection"]},"sort":[29.400831,"6242470"]},{"_index":"complaint-public-v1","_id":"6245852","_score":29.311026,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. \nThey also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.\n\nThey also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.\n\nThey also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges XXXX, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. \nThey also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. \nThey also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.\n\nThey also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}","date_sent_to_company":"2022-11-27T02:26:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22405","tags":null,"has_narrative":true,"complaint_id":"6245852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-27T01:56:15.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection"]},"sort":[29.311026,"6245852"]},{"_index":"complaint-public-v1","_id":"7465999","_score":28.948702,"_source":{"product":"Credit card","complaint_what_happened":"Secured credit card account was paid off, then closed by the company. The balance of {$1000.00} is due to me the consumer since this account was secured. Credit Cards should NEVER be closed.\n\n( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2023-08-26T16:50:36.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"890XX","tags":null,"has_narrative":true,"complaint_id":"7465999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-08-26T16:45:50.000Z","state":"NV","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["( e ) Effect of noncompliance with requirements by creditor Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00}."]},"sort":[28.948702,"7465999"]},{"_index":"complaint-public-v1","_id":"5901751","_score":27.787062,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-22T00:48:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"5901751","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-22T00:41:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[27.787062,"5901751"]},{"_index":"complaint-public-v1","_id":"5901745","_score":27.787062,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-22T00:48:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"5901745","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-22T00:48:17.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[27.787062,"5901745"]},{"_index":"complaint-public-v1","_id":"4907308","_score":27.772354,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. \n\n\nAnd for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.","date_sent_to_company":"2021-11-13T16:15:24.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"4907308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Total Card, Inc.","date_received":"2021-11-13T15:58:15.000Z","state":"LA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["And for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00}."]},"sort":[27.772354,"4907308"]},{"_index":"complaint-public-v1","_id":"5901799","_score":27.73406,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-22T00:48:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"5901799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-22T00:48:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[27.73406,"5901799"]},{"_index":"complaint-public-v1","_id":"5899494","_score":25.528831,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible!\n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-20T06:00:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33172","tags":null,"has_narrative":true,"complaint_id":"5899494","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-20T06:00:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.528831,"5899494"]},{"_index":"complaint-public-v1","_id":"5892867","_score":25.528831,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-18T06:04:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"5892867","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-18T06:00:40.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.528831,"5892867"]},{"_index":"complaint-public-v1","_id":"5899579","_score":25.50723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-20T05:11:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5899579","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-20T05:06:20.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.50723,"5899579"]},{"_index":"complaint-public-v1","_id":"5899573","_score":25.50723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-20T05:11:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5899573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-20T05:11:53.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.50723,"5899573"]},{"_index":"complaint-public-v1","_id":"5899493","_score":25.50723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible! \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! Base on, 15 U.S. Code 1666 ( a ) Written notice\nby obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-20T06:00:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33172","tags":null,"has_narrative":true,"complaint_id":"5899493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-20T06:00:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.50723,"5899493"]},{"_index":"complaint-public-v1","_id":"5892863","_score":25.50723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-18T06:04:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"5892863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-18T06:04:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.50723,"5892863"]},{"_index":"complaint-public-v1","_id":"5899530","_score":25.492462,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-20T05:11:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5899530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-20T05:11:53.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.492462,"5899530"]},{"_index":"complaint-public-v1","_id":"5899496","_score":25.376915,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible!\n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-20T06:00:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33172","tags":null,"has_narrative":true,"complaint_id":"5899496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-20T05:56:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.376915,"5899496"]},{"_index":"complaint-public-v1","_id":"5892864","_score":25.376915,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. \n\nBased on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! \n\nBase on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!\n\nBased on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!","date_sent_to_company":"2022-08-18T06:04:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"5892864","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-18T06:04:51.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required to be <em>forfeited</em> under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!"]},"sort":[25.376915,"5892864"]},{"_index":"complaint-public-v1","_id":"3608782","_score":24.872723,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I have disputed two transactions totaling {$120.00} ( {$81.00} and {$46.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. \nI repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. \nIt appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as  follows : Effect of noncompliance with requirements by creditor - \" Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor ''. \n\nPlease contact the creditor ( Bank of America ) requesting a full credit of {$120.00} to comply with with the Fair Credit Billing Act as required by the 15 U.S. Code 1666 ( e ).","date_sent_to_company":"2020-04-16T05:17:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"15217","tags":null,"has_narrative":true,"complaint_id":"3608782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-04-16T05:02:40.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in <em>Section</em> 1666 ( e ), as  follows : Effect of noncompliance with requirements by creditor - \" Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor ''."]},"sort":[24.872723,"3608782"]},{"_index":"complaint-public-v1","_id":"3802774","_score":23.763727,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. \nThe transactions in question are coded in Bank of America provided statements as follows:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. \nI repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. \nIt appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.","date_sent_to_company":"2020-08-19T05:06:38.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"329XX","tags":null,"has_narrative":true,"complaint_id":"3802774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-08-19T00:56:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in <em>Section</em> 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor."]},"sort":[23.763727,"3802774"]},{"_index":"complaint-public-v1","_id":"5818324","_score":23.581202,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I sent to Toyota Motor Credit Corp a billing error notice on XX/XX/2022 evidenced by tracking number XXXX XXXX XXXX XXXX XXXX. Toyota Motor Credit Corp never responded to the billing error and 2 complete billing cycles went by and consequently Toyota Motor Credit Corp forfeited the amount indicated in the error. However, Toyota Motor Credit Corp repossessed my vehicle and ultimately violated Federal Consumer Law. Toyota Motor Credit Corp is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice. The act to repossess my vehicle is an unfair act because it causes substantial injury in the form of monetary harm to the consumer and is likely to cause substantial injury in the form of monetary harm and cause the consumer to be victim to further use of abusive, deceptive, and unfair debt collection practices by debt collectors which is not reasonably avoidable by the consumer. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Said substantial injuries are not outweighed by countervailing benefits to the consumer or to competition. The act to repossess my vehicle is an abusive act as it takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the consumer financial products and services. or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service, the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service, or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Ultimately Toyota Motor Credit Corp has violated Federal Consumer Law and pursuant to 15 U.S. Code 1666 ( e ), Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon.","date_sent_to_company":"2022-07-27T21:55:49.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"5818324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2022-07-27T21:49:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["Code 1666 ( e ), Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon."]},"sort":[23.581202,"5818324"]},{"_index":"complaint-public-v1","_id":"4804258","_score":23.051207,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"- I went to purchase an automobile on XX/XX/2019 - I was then instructed to fill out the Retail Installment Sale Contract, See Exhibit ( A ) and Buyers Order, See Exhibit ( B ). \n- The contract was extended to the consumer, primarily for personal, family, or household purposes as an extension of my consumer credit and is an open-end credit account under 12 CFR 1026.2. \n- I am asserting my rights as the DEBTOR per my contract under 16 C.F.R. 433.2 ( b ). \nWells Fargo has failed to produce the requested documents or an affidavit means that, without verification and validation of this account under Title 15 U.S.C. 1692 Section 809, that there is no controversy in this matter and Wells Fargo has therefore failed to state a lawful claim in this matter. \n- Wells Fargo has not provided an affidavit with the following proof that would show they are the creditor/real party in interest and that they have truthfully validated and verified this account. \n- Wells Fargo has not provided material evidence of a contractual obligation between me and Wells Fargo. \n- Wells Fargo failure to disclose any material facts is a fraudulent misrepresentation by omission and the Retail Installment Agreement is null and void. \n- Wells Fargo has failed to comply with statutory requirements as set forth in Truth in Lending Act, 15 USC 1601-1667f. See Exhibit F - Wells Fargo has failed to comply with statutory requirements as set forth under 16 C.F.R. 433.2 ( b ) the appropriate required NOTICE was not included on the Retail Installment Contract due to a down payment being required for this contract, this makes the entire contract voidable. See Exhibits A, F - Wells Fargo has failed to comply with statutory requirements as set forth in FDCPA 15 USC 1692-1692 ( p ). See Exhibits D, F - Wells Fargo has failed to comply with statutory requirements as set forth in FCRA 15 USC 1681. See Exhibit D, F - As a result, pursuant 15 U.S.Code 1666 ( a ) ( 2 ) to there is a billing error on the Account and under 15 U.S.Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ). \n- I have reason to believe and do so believe that WELLS FARGO AUTO has used unfair business practices and has knowingly with forethought and malice created a fraudulent debt, defrauding the original creditor that is recipient of said statements See Exhibit ( D ) that led the recipient to believe, through deception, is an invoice that must be paid by the recipient or the automobile would be repossessed, and the principals credit reports would have negative remarks added or other extortionate means as defined under 18 U.S.Code 891 ( 6 ).","date_sent_to_company":"2021-10-13T06:27:01.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"98373","tags":null,"has_narrative":true,"complaint_id":"4804258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-10-13T01:56:57.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["See Exhibit D, F - As a result, pursuant 15 U.S.Code 1666 ( a ) ( 2 ) to there is a billing error on the Account and under 15 U.S.Code 1666 ( e ) Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a )."]},"sort":[23.051207,"4804258"]},{"_index":"complaint-public-v1","_id":"4981907","_score":21.990444,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I AM REQESTING THE REQUIRED DISLCOURES IN CONNECTIONS WITH A OPEN END CREDIT PLAN ACCORDING TO 15 USC 1637 ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.\n\n( 2 ) The method of determining the balance upon which a finance charge will be imposed.\n\n( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.\n\n( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.\n\n( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.\n\n( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.\n\n( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.\n\n( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.\n\nFAILURE TO PROVIDE STATEMENTS IN ACCORDENCE TO 15 USC 1666 IS IN FACT A DIRECT VIOLATION OF A BILLING ERROR, WHICH ACCORDING TO 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}, THIS ACCOUNT IS OPEN ENDED, AND I DEMAND MY ACCOUNT TO BE REOPENED AS CAPITAL ONE CLOSED MY ACCOUNT IS A DIRECT VIOLATIN OF 15 USC 1691 ( a ) ( 3 ) discriminate against i the consumer for exercising my consumer rights due to the fact I THE CONSUMER HASNT RECEIEVED REQUIRED DISLCOURES REQUIRED BY LAW THIS IS A FACT CAPITAL IS IN VIOLATION OF CONSUMER PROTECTION LAWS, DUE TO THE FACT UNITED STATES IS BANKRUPT and there is no money in circulation i am unaware of which form of payment is acceptable in commerce rather than oil gold and sliver in according to 18 usc 8 all debt obligations are obligations of united states , and in fact because CAPITAL ONE BANK IS SEEKING A PAYMENT WHICH IS ALSO KNOWN AS ALLEGED DEBT, THIS MAKES CAPITAL ONE BANKA DEBT COLLECTOR WHICH I HAVE STATES PREVISOULY, CAITALONE BANK HAS FAILED IN THE INITAL COMMUNCATION AS WELL AS ALL COMMUNACTION WAS IN FACT FROM A DEBT COLLECTOR IN A ATTEMPT TO COLLECT A ALLEGED DEBT","date_sent_to_company":"2021-12-07T06:36:52.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11706","tags":null,"has_narrative":true,"complaint_id":"4981907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-12-07T00:59:18.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["FAILURE TO PROVIDE STATEMENTS IN ACCORDENCE TO 15 USC 1666 IS IN FACT A DIRECT VIOLATION OF A BILLING ERROR, WHICH ACCORDING TO 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon, except that the amount required"]},"sort":[21.990444,"4981907"]},{"_index":"complaint-public-v1","_id":"3999266","_score":20.672405,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. \nThe transactions in question are coded in Bank of America provided statements as follows : XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX. XXXX The creditor ( Bank of America ) received my written request identifying the merchant, amount and date of transaction and it has responded stating that Bonk of America is unable to process inquiry I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. \nI repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX  to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. Bank of America representative XXXX XXXX, Bonk of America, Resolution Specialist kept looking for excuses inventing reasons to deny helping me. First, XXXX XXXX stated that he is unable to find disputed transaction. When I provided him with letter identifying the disputed transaction, XXXX XXXX falsely claimed that there have not been claims filed for these transactions within the allowed timeframe. When I provided him with the banks response to my dispute stating they are unable process inquiry. XXXX XXXX  stop responding to my communications. Eventually he run out of excuses. XXXX XXXX  is either inept and unable to help or he is just dishonest and purposely avoiding answering my inquiries. \nIt appears that the creditor ( Bank of America XXXX either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.","date_sent_to_company":"2020-12-09T07:55:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"15217","tags":null,"has_narrative":true,"complaint_id":"3999266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-12-09T02:43:00.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in <em>Section</em> 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who <em>fails</em> to <em>comply</em> with the requirements of this <em>section</em> or <em>section</em> <em>1666a</em> of this title <em>forfeits</em> any right to collect from the obligor the amount indicated by the obligor."]},"sort":[20.672405,"3999266"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":123,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":123}]}},"product":{"doc_count":123,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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lease","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":7}]}},{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"I do not know","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2},{"key":"Other banking product or service","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":"Title loan","doc_count":2}]}},{"key":"Payday loan, title loan, personal loan, or advance 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