{"took":116,"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":44.566708,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[44.566708,"7440412"]},{"_index":"complaint-public-v1","_id":"6047123","_score":44.5415,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[44.5415,"6047123"]},{"_index":"complaint-public-v1","_id":"7465999","_score":43.092995,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[43.092995,"7465999"]},{"_index":"complaint-public-v1","_id":"4907308","_score":41.473217,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[41.473217,"4907308"]},{"_index":"complaint-public-v1","_id":"6242470","_score":40.921844,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> under paragraph ( 2 ) of subsection"]},"sort":[40.921844,"6242470"]},{"_index":"complaint-public-v1","_id":"6242471","_score":40.91142,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> under paragraph ( 2 ) of subsection"]},"sort":[40.91142,"6242471"]},{"_index":"complaint-public-v1","_id":"6245852","_score":40.796005,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> under paragraph ( 2 ) of subsection"]},"sort":[40.796005,"6245852"]},{"_index":"complaint-public-v1","_id":"5901799","_score":38.752544,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[38.752544,"5901799"]},{"_index":"complaint-public-v1","_id":"5901751","_score":38.743393,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[38.743393,"5901751"]},{"_index":"complaint-public-v1","_id":"5901745","_score":38.743393,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[38.743393,"5901745"]},{"_index":"complaint-public-v1","_id":"5899494","_score":36.746967,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.746967,"5899494"]},{"_index":"complaint-public-v1","_id":"5892867","_score":36.746967,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.746967,"5892867"]},{"_index":"complaint-public-v1","_id":"5899579","_score":36.736774,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.736774,"5899579"]},{"_index":"complaint-public-v1","_id":"5899573","_score":36.736774,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.736774,"5899573"]},{"_index":"complaint-public-v1","_id":"5899493","_score":36.736774,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.736774,"5899493"]},{"_index":"complaint-public-v1","_id":"5892863","_score":36.736774,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.736774,"5892863"]},{"_index":"complaint-public-v1","_id":"5899530","_score":36.725197,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.725197,"5899530"]},{"_index":"complaint-public-v1","_id":"5899496","_score":36.634773,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.634773,"5899496"]},{"_index":"complaint-public-v1","_id":"5892864","_score":36.634773,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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":[36.634773,"5892864"]},{"_index":"complaint-public-v1","_id":"3608782","_score":34.586174,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> ''."]},"sort":[34.586174,"3608782"]},{"_index":"complaint-public-v1","_id":"3802774","_score":33.5384,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em>."]},"sort":[33.5384,"3802774"]},{"_index":"complaint-public-v1","_id":"6332171","_score":33.191154,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"THEIR IS A BILLING ERROR ON MY ACCOUNT-MY ACCOUNT IS NOT IN THE NEGATIVE IT IS IN THE POSITIVE STANDING AND I WAS APPROVED FOR OPEN END CREDIT SO BASED ON 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\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}. \n\nAND XXXX Billing error resolution. \n( a ) Definition of billing error. For purposes of this section, the term billing error means : ( XXXX ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. \n\n( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of XXXX ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and XXXX. \n\n( XXXX ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. \n\n( XXXX ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. \n\n( XXXX ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. \n\n( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.","date_sent_to_company":"2022-12-18T03:10:36.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30084","tags":null,"has_narrative":true,"complaint_id":"6332171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-12-18T02:40:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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}. \n\nAND XXXX Billing error resolution."]},"sort":[33.191154,"6332171"]},{"_index":"complaint-public-v1","_id":"5818324","_score":32.783127,"_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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> under paragraph ( 2 ) of subsection ( a ) of this <em>section</em>, and any finance charges thereon."]},"sort":[32.783127,"5818324"]},{"_index":"complaint-public-v1","_id":"6332102","_score":32.474392,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"FIRST THEY HAVE CLOSED MY CARD WITHOUT WARNING ALSO THEY REPORTED ME AS HAVING AN OWED BALANCE TO THEM AND HAVE REPORTED ME TO CREDIT REPORTING COMPANIES. \n\nSO I AM ALSO DISPUTING THAT THEIR IS A BILLING ERROR ON MY ACCOUNT-MY ACCOUNT IS NOT IN THE NEGATIVE IT IS IN THE POSITIVE STANDING AND I WAS APPROVED FOR OPEN END CREDIT ACCOUNT, SO BASED ON -SEE BELOW 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. \n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\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}.\n\nAND 1026.13 Billing error resolution.\n\n( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.\n\n( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.\n\n( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.\n\n( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.\n\n( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.\n\n( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.","date_sent_to_company":"2022-12-18T03:54:09.000Z","issue":"Unexpected or other fees","sub_product":"General-purpose prepaid card","zip_code":"30084","tags":null,"has_narrative":true,"complaint_id":"6332102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-12-18T03:12:21.000Z","state":"GA","company_public_response":null,"sub_issue":null},"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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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}.\n\nAND 1026.13 Billing error resolution."]},"sort":[32.474392,"6332102"]},{"_index":"complaint-public-v1","_id":"7391860","_score":32.24234,"_source":{"product":"Debt collection","complaint_what_happened":"( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.\n\n( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\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":"2023-08-12T19:35:15.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"7391860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Grow Credit Inc","date_received":"2023-08-12T19:19:14.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"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 <em>collect</em> from the <em>obligor</em> the amount indicated by the <em>obligor</em> 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}."],"sub_issue":["Attempted to <em>collect</em> wrong amount"]},"sort":[32.24234,"7391860"]}]},"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 reports","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":45}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":31,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":31}]}},{"key":"Credit card or prepaid card","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":13},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Credit card","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":13},{"key":"Store credit card","doc_count":1}]}},{"key":"Vehicle loan or 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 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