BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX. Ive been a victim of credit card fraud but my CITI bank wont help me. There were 3 transactions charged on XX/XX/XXXX, XX/XX/XXXX, ( {$260.00} ; {$890.00} ; {$54.00} ). I called the fraud department immediately when I saw these on my mobile app. They told me they will help me. I thought the matter had been taken care of. Than, on XX/XX/XXXX, I saw that I have been charged the interest. I called Citi bank and they said cause my card was present to the store. They refused to help me. They said I have to deal with the store. But how am I suppose to know where the store is, I swear to GOD.  I have never been to the store in my whole life, and that is their fault they did not see the significant was not from mine. And I really do not how the fraud had my card to present. That is unfair to pay the fee was not from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2020, I sent the loan companies home office a message requesting to be placed on a {$10.00} a month payment plan due to extended closures of businesses from covid19/coronavirus outbreaks after I contacted the loan company by phone to setup the minimum payment of {$10.00} that I could/can afford to pay without any penalties during a time of the Worldwide epidemic virus outbreak. 
On XX/XX/2020, XX/XX/2020, and XX/XX/2020, my payments to the loan company of {$10.00} as scheduled were either paid in office, left in the night drop, or sent by USPS on time and the company still chose to contact me to collect for more and/or send a notice of payment due after excepting my minimum payment arrangement up until my account is paid in full. 
On XX/XX/2020, the loan company sent me a notice of delinquent account options that I picked up at my mailing address on on XX/XX/2020 to contact them and that court costs and attorney fees in the filing of lawsuit and garnishments usually exceeds {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and I noticed inaccurate addresses on my report. I have already reached out to the companies and they still have not been removed. 

The incorrect addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily NOT PROVIDED XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX ID # XXXX Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initiated a balance transfer on XXXX XXXX XXXX transferring {$440.00} from my Capital One credit card to XXXX credit card. Only XXXX XXXX XXXX the balance transfer was completed by XXXX and the {$440.00} was added to that account. Today XXXX XXXX XXXX I still see the balance on my Capital One statement as well, I called customer service and they claim they don't see any transfer to XXXX. As of right now the {$46.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest. The transfer appears on XXXX 's end, the problem appears to be with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was settled by XXXX because item ordered didnt work. I mailed items back. Amount was removed, but somehow got sold or sent to portfolio recovery. The disputed amount is XXXX. I can not get anything accomplished. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six 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 an alleged fraud or extortion. 
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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a open account with XXXX XXXX. XX/XX/2014 is the date reported. I have paid the account balance in full and closed this, but it is still reporting open with a balance and also has Duplicated into two accounts somehow. I have contacted XXXX XXXX Multiple Times as  well as the Collection company that has bought this debt. Please help me get these two PAID Accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a car dealership in Texas and the car sales man told me that I may qualify for a discount if I was currently in the military. I told him that I was and showed him my military ID. He stated that he still needed to verify that I was XXXX XXXX and all he needed was my date of birth and my social security number. I later learned that he had the dealership pull my credit report as well as submitted my information to multiple lenders that also ran my credit. I have not done business with any of the below listed companies nor have I ever received and approvals or disclosures. I did not give him or the other companies permission to use my personally identifiable information to run my credit. I have disputed these items with Equifax and XXXX. Both Equifax and XXXX claim that they did an investigation and the inquires are accurate. I am now requesting the strict proof of my authorization to obtain, and share my credit report ( specifically the application for credit dated XX/XX/2022 & XX/XX/2022 ), which was used to verify the accuracy of these inquiries during Equifax and XXXX 's thorough investigation.. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an autopay set up for my credit card using a XXXX checking account, I recently switched my checking to XXXX XXXX so on XX/XX/XXXX I logged in my account Citi credit card account and I updated that XXXX account with my new XXXX XXXX Account. 
The reason I updated is obviously so my autopay will have a valid account to withdraw from. I have done my job and updated my file. Yet I have received a call from a Citi representative on XX/XX/XXXX saying that I was 30 day past due which was a complete shock to me! 
I have been a Citi card member since XX/XX/2008, I have NEVER been late on my payments, not with a Citi nor with any other bank. My credit speaks for itself. Since this incident I have suffered enormous emotional stress as I have worked hard for years to have an exceptional credit score and as a XXXX XXXX XXXX this 30 days late will have a seriously negative impact on my business. 
The 30 days passed due on my credit report is inaccurate so I am requesting that this item be removed immediately please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Alpine Credit saying they were attempting to collect a medical debt from me. They claim that the debt is from an imaging company. I have not had imaging done in the past year. I emailed them asking for additional and basic details surrounding the collection. They failed to respond. The details I need to confirm if the debt is legit include the patient name, date of service, and what the service was. These seem like basic details that should be provided in the initial collection attempt. This seems fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS COLLECTIONS AT XXXX XXXX XXXX, XXXX, MA XXXX, AND XXXX CREDIT BUREAU ALONG WITH XXXX CREDIT BUREAU REFUSES TO PROPERLY REINVESTIGATE MY DISPUTES AND CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, MA XXXX REFUSES TO RESPOND TO MY DEBT VALIDATION LETTER. I AM NOT RESPONSIBLE FOR THE DEBT. THE ORIGINAL CREDITOR IS : XXXX, XXXX XXXX, MN. ACCOUNT : XXXX. THE ALLEGED AMOUNT {$170.00}. I LIVED WITH MY SON IN XXXX, MN FOR 1 MONTH AT THE ADDRESS THE ACCOUNT IS BEING BILLED FOR FROM XXXX XXXX XXXX XXXX. MY SON ORDERED THE XXXX SERVICES AND IS RESPONSIBLE FOR THE DEBT. HE IS REPORTED XXXX IN CALIFORNIA. I HAVENT HEARD FROM HIM SINCE XX/XX/XXXX. MY SON WAS THE LEASE HOLDER. I HAVE SPOKE TO CCS COLLECTIONS ABOUT THIS, AND EVEN OFFERED TO PAY IT IN FULL FOR MY XXXX XXXX SON, BUT CCS COLLECTIONS REFUSED TO REMOVE THE NEGATIVE REMARK WITH THE CREDIT BUREAUS, EVEN IF I PAYED IT IN FULL. I PLAN TO SUE THEM, XXXX   AND XXXX FOR CHARACTER DEFAMATION. XXXX DID DELETE THIS FRAUDULENT DEBT. XXXX, XXXX AND CCS COLLECTIONS CONTINUE REPORTING IT IN MY NAME MONTHLY. CCS HAS REFUSED TO OFFER ANY VALIDATION OF THE DEBT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation