davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Recently I've caught on to how my card seems to get charged twice. Once on the moment of the payment and the second time is a couple days later when the transaction gets posted on the app. I barely caught on, I've been having this account for years. Who knows how long it's been
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XXXX Pen Fed Cr un XXXX XXXX Imposed & charged our joint XXXX XXXX XXXX account with Fee - Uncollected XXXX in the amount of {$10.00} each XXXX TIMES ON XXXX without reason, without Just Cause- ILLEGALLY. 

That is Illegal, Unfair Financial Institution Practices & is extremely manipulative & extremely Deceptive!
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Recovery Solutions, LLC (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (GA)

Chase refuses to deposit my money into my account, I received a wire transfer from truist bank in the amount of XXXX for a loan. Chase claims to have my money on hold, because they said the name on the wire transfer doesn't match the name on my account. This is false, they told the bank that my name doesn't match was on my account, and now truist bank wants to shut my account down and refund the loan because chase lied, and they think its fraud. Deposit my funds right away or I will pursue a lawsuit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or needs to be deleted. Per FCRA segment 605 you are expected to remove any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am a recent graduate of university and was looking for my first entry level job. On XX/XX/XXXX, I received this job offer for a data entry position from someone calling themselves " XXXX XXXX '' from " XXXX XXXX XXXX '' that would let me work remotely and use equipment purchased by the company that had agreed to hire me. After a chat interview on XXXX I was told I was being given the job. I was told to wait for a check in the mail and to deposit it when it arrived. The check I received was for {$4900.00} and arrived on XX/XX/XXXX. On XX/XX/XXXX, I deposited the check. After being told to " wait for the check to clear after a day '' I was then to send XXXX XXXX payments On XX/XX/XXXX, to a person named XXXX XXXX whose XXXX email is XXXX. After that I was asked to withdraw {$2400.00} and send {$1100.00} of that via XXXX and the rest he requested be sent through XXXX. After asking me to deal in XXXX I immediately suspected fraud and searched online for answers. I was able to learn about this scam and stopped replying to the fraudster within the same day. I also immediately tried to stop the XXXX XXXX payments to no success. But I was able to stop the XXXX ( {$1100.00} ) to XXXX XXXX, from XXXX XXXX, Georgia XXXX. I was also NOT able to stop the XXXX ( {$1000.00} ) I had sent to XXXX XXXX whose XXXX email is XXXX. The entire time I believed I was only using the company 's funds for equipment, until I learned the check could still bounce and stopped contacting the individual through Zoom chat. I am a student and had very little money to begin with. I lost everything I had and the banks ( TD BankXXXX XXXX XXXX nothing to help me.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I use the XXXX XXXX XXXX to manage and make payments on by XXXX XXXX Credit Card issued through XXXXXXXX XXXX XXXX XXXX, but the minimum payment I authorized and had more than SUFFICIENT FUNDS in our Joint PenFed Cr Union XXXX XXXX XXXX XXXX XXXXXXXX. 

Our joint PenFed Cr Union XXXX XXXX XXXX XXXXXXXX Checking Account had more than sufficient funds to make this {$46.00} ( XXXX XXXX DOLLARS ) and PEN FED CR UN XXXX XXXX REJECTED PLUS ALSO IMPOSED OVERDRAFT FEES ILLEGALLY AND WITHOUT REASON. 

The actions of Someone at PEN FED CR UN XXXX XXXX, caused EXTREME EMBARRASSMENT, and is ILLEGAL!!!! These types of practices should NEVER BE PERMITTED BY ANY FINANCIAL INSTITUTION IN THE WORLD.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi good evening my name is XXXX XXXX XXXX I noticed a unauthorized transaction on XXXX XXXX Here it is on XXXX XXXX a fraudster hack my mobile carrier ( XXXX XXXX ) and port out my number without my knowledge and he used that phone number to login to my bank of America online banking and made a XXXX transfer of {$3500.00} without my knowledge. 
I reached out to my bank couple of times they are denied my request couple of times I checked my online bank activity, it clearly shows that my online banking was logged in from a different device I tried to pass this information to my bank but my bank is keep denied my request Can you please help me here, everything was done with out me knowing
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

ALL 3 CREDIT AGENCIES VIOLATED MEDICAL PRIVACY ACT " HIPAA '' REPORTING FRAUD MEDICAL ACCOUNTS, OUTDATE AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER, NOT MY ACCOUNTS
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Description of the complaint I believe to be an anti-semetic hate crime encountered ON XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MO XXXX We Arrived at XXXX XXXX on XX/XX/XXXX. Had trouble getting door to unlock with card. The door was not installed correctly. The latch assembly had no clearance between it and the doorframe/striker plate. We had to body slam the door to open. We immediately found the phone not working and went to the office. We were treated disrespectfully by who appeared to be the owners and put off. At XXXX XXXX the defective phone was still not replaced. We went to the office and told them if it was not taken care of we would file a complaint with the XXXX and the Missouri Attorney General 's office. The phone was replaced. The television was worthless! The remote would not work. We went to the office multiple times and treated terribly by the owners. We got one after another line of XXXX excuses. It never did work properly our whole stay. We had difficulty pulling the door tight enough to latch properly due to improperr installation and fitment. We had to force open the door constantly and slam hard to get to latch. 
I placed a 14kt gold ring on the nightstand Friday night. It was missing Saturday night when we returned from a show ( XX/XX/XXXX ). The ring had the the XXXX LETTER FOR JEHOVAH ENGRAVED IN BLACK ON THE OUTSIDE AND MY NAME ENGRAVED WITH A DATE IN XXXX. This was awarded to me upon completion of degree work in the XXXX XXXX in XXXX. The current radical anti-Semitic climate so prevalent i can only conclude that this was a hate crime due to the predominant XXXX letter for Jehovah. Our XXXX wedding anniversary accommodations were the worst we have had in XXXX since coming here every year since XXXX! I am on total XXXX plus XXXX. The hired staff were helpful, but the owners/managers were the most arrogant disrespectful people I have ever encountered! 
A police report was made to the XXXX Police Department. 
Please add this information to the police report. I have filed a complaint with the XXXX and the Missouri Attorneys office and other agencies. I am a senior citizen on total XXXX plus XXXX. We were there celebrating our XXXX wedding anniversary. We have been visiting XXXX since XXXX! Usually more than once every year for the last 51 years! You have no idea how bad I want the ring returned! XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/2024, I made an outbound call to XXXX at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/2024, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/2024, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/2024, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXX XXXX. PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/2024, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am submitting this follow-up complaint to address the persistent reporting of certain accounts on my credit reports, which I strongly believe to be fraudulent. Despite prior disputes, these accounts persist on my credit file, prompting me to request their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As stipulated in FCRA Section 605b, any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. The accounts in question, being fraudulent, fall under this category and do not accurately reflect my credit history. Despite my diligent efforts, including contacting creditors and filing police reports, these accounts persist on my credit file. I am requesting the removal of the following fraudulent accounts from my credit file : **XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$170.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$5500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX - XXXX  XXXX XXXX Balance {$3200.00}
Consumer complaint received 2024-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (MD)

My husband elected to get XXXX XXXX XXXX XXXX OFFERED through PenFed Cr Un XXXX XXXX  shortly after opening a Savings account based on a mailed USPS Solicitation to our residence. 

He set it up for AUTO DEBIT Never any Auto Debit Issues up until XX/XX/2024. When on XXXX then auto debit was scheduled for this XXXX after that PAYMENT WAS REJECTED by PEN FED CR UN XXXX XXXX and ACH DEBIT XXXX FEE IMPOSED without notification to us & without Just Cause- totally ILLEGAL! 

Pen Fed Cr Un XXXX XXXX  is now CAUSING TREMENDOUS HARDSHIPS, PAYMENT HISTORY PROBLEMS, OVERDRAFT FEES all without any REAL CAUSE. Which in turn is INFLICTING ENORMOUS FINANCIAL HARDSHIPS UPON MY HUSBAND AND I - ALSO CREATED ILLEGAL FINANCIAL BUSINESS PRACTICES ON THE INNOCENT MY HUSBAND AND MYSELF. 

We deserve Pen Fed Cr Un XXXX XXXX  to pay the REJECTED ACCIDENT & DISABILITY INSURANCE PAYMENT FROM THEIR FUNDS, RETURN OUR IMPOSED OVERDRAFT FEES, PLUS PAY US RESTITUTION IN OUR SAVINGS ACCOUNT IN THE AMOUNT OF {$1000.00} ( XXXX XXXXXXXX XXXX XXXX and to ensure these issues NEVER REOCCUR! Along with written apology letters to Accident & Disability Insurance Carrier whereby the ACCEPT 100 % LIABILITY FOR THEIR ERRORS, Plus written Apology letter to us!!
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I review my updated credit report, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$300.00}, XXXX XXXX XXXXXXXX Balance : {$690.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00}
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I checked my recredit report and seeing that I had an inquiry from a bank called XXXX. I called them to have them remove the inquiry because I did it. I didnt do it nor do I have any knowledge of who they are and they told me that they dont have an application or any bank records or anything with my name or social number I called Trans Union to have them remove it in a can you tell me contact you guys
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

We deposited some checks in Truist Bank account in XX/XX/2022. One of the check got returned and the bank closed the account. Interestingly bank did not returned us the deposit amount of other checks amounting to XXXX. They are still holding the amount when we are asking them to provide a written reason for holding the funds they are saying we will not provide any reason. We asked them to provide us the writing request how we can able to get the funds they are not providing the same as well.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

DEAR SIR/MADAM, I, XXXX  ] , LIVING SOUL AND EXECUTRIX FOR THE ESTATE OF [ XXXX XXXX XXXX XXXX AM WRITING TO DISPUTE SEVERAL ITEMS ON MY CREDIT REPORT, WHICH I BELIEVE CONTAIN INACCURATE INFORMATION, AND VIOLATIONS OF FEDERAL TRUST LAWS. THESE INACCURACIES ARE CAUSING SIGNIFICANT HARM TO MY FINANCIAL STANDING AND REPUTATION. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO REQUEST THAT THESE INACCURACIES BE CORRECTED PROMPTLY. 
THE ESTATE IN QUESTION WITH ASSOCIATED SOCIAL SECURITY NUMBER IS : [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ] THE ACCOUNTS IN QUESTION ARE : I DISPUTE THE ACCURACY OF ALL ACCOUNTS ON RECORD WITH NEGATIVE, DEFAMATORY OR INACCURATE INFORMATION BECAUSE OF THE FOLLOWING INFORMATION : 1. IT IS THE DUTY OF CREDIT AGENCIES TO ENSURE THAT ONLY ACCURATE INFORMATION IS LISTED ON THE CREDIT REPORTS. IT WAS BROUGHT TO MY ATTENTION BY AN EMPLOYED SUPERVISOR AT ( TRANSUNION ) THAT THEY DO NOT FOLLOW PROPER FCRA AND DEBT COLLECTION PRACTICES FOR PROPER VALIDATION OF ACCOUNTS. THEY ARE MERELY " PAID TO COMPILE AND PLACE ITEMS ON THE CREDIT REPORT. THE PRICES FOR PLACING ACCOUNTS ON THE CREDIT REPORTS VARY AS CRA 'S CREDIT REPORTING AGREEMENTS ARE FINANCIALLY INCENTIVIZED TO REPORT AT HIGH VOLUMES. THIS IS A DIRECT VIOLATION AND CAUSES BLATANT DISCRIMINATION. I AM DEMANDING A COPY OF THE PRICING INFORMATION STATED WITHIN THE CREDIT REPORTING AGENCY AGREEMENT, SETTLEMENT AGREEMENT BETWEEN SAME CALL THAT THE CREDIT REPORT HAS BEEN SOLD WITHOUT MY KNOWLEDGE TO SEVERAL OTHER INSTITUTIONS. ADDITIONALLY, DUE TO THIS NEWFOUND EVIDENCE I ASSERT MY RIGHTS AS THE SURETY OF THESE INDIVIDUAL ACCOUNTS, ANY DEPOSITS, REVENUE, INTERESTS, AS WELL AS ALL OTHER DIVIDENDS EARNED THAT HAVE DERIVED OR WILL DERIVE FROM ITS CREATION. ALL RIGHTS OF THE CREDITOR SHOULD BE ASSIGNED TO THE APPROPRIATE PARTY. 


THE ACCOUNT HAS BEEN VIOLATED AND NOT FOLLOWED FRCA GUIDELINES OR XXXX XXXX COMPLIANCE. 

Last Verified : XX/XX/XXXX = FCRA VIOLATION Date of Last Activity : XXXX FCRA VIOLATION Date Reported : XXXX FCRA VIOLATION Date Opened : XX/XX/XXXX Closed Date : XXXX FCRA VIOLATION Dispute Status : Not Disputed = FCRA VIOLATION This account was sold XX/XX/XXXX XXXX