BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I went to the bank and had a wire transfer for {$6000.00} on XXXX/XXXX/XXXX at XXXX as processed. Coinbase INC promised if funds were transferred before XXXX funds would be available within 1 business day. We are now on the XXXX of XXXX. My bank accounts reflects receipt of {$6000.00} and yet have not posted. I have tried everything under the sun in contacting Coinbase and yet no response. 
My contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: MI
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:
When I reviewed my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed it last XX/XX/22 upon checking it. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked airline tickets through the bank of America travel center and paid with my credit card Booking Date Order ID XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Order Total {$1500.00} I canceled the tickets with XXXX on XX/XX/XXXX and they confirmed that they refunded the total amount of {$1500.00} to the Bank of America travel center account on XX/XX/XXXX, bank of America did not refund this amount to my credit card and refused to do so when I called them on XX/XX/XXXX and on XX/XX/XXXX, I have no other way to get my money back and I am seeking your help. 

Thank you 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 monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: NC
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 asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part

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 2022-07-14
Company: Experian Information Solutions Inc.
State: MI
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:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - ; XXXX SELF-REPORTED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2019-08-01
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I originated this private student loan in XXXX in the amount of XXXX. I was deferred until graduation ( XXXX ) and then entered into a lowered payment agreement. Since XX/XX/XXXX, I have been paying the normal payment. 3 months ago, I noticed that my principal balance has increased. So I contacted customer service and was told that my payments had been going to interest-bearing fees. Because I get electronic statements, I was only able to pull statements back to XXXX. The agent said they would send it to an account specialist and get back to me.

6 weeks later, I still had no word, so I called again. The agent this time pulled my account overview and sent it to me. Based on this report, since XXXX, it shows that my payments have been distributed to 'interest ' and 'fees '. No one can tell me what the fees are. Again, I was told it would be sent to an acount specialist but have heard nothing. 
I called again yesterday, and was read the exact same thing that was on the report, that my payments have been going to interest and fees. Again, it would be escalated. 
Today I received an email that the payments have been going to interest and fees with no further explanation. 
The account overview from last month shows that I have paid {$19000.00} on the loan amount of XXXX ( XXXX principal plus origination fees ). {$10000.00} went to interest and {$9500.00} went to interest-bearing fees. My balance details were unknown. 
The statement that I received this week shows my balance as XXXX, so it looks as though they are now distributing the money toward my principal since my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: MI
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:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: TX
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
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 explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Transunion has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''. They insist that the item was verified without never doing any verification and they refuse to answer my questions about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law.  Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments. I never had a tax lien with the state of Iowa.

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 2017-09-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Filed against : XXXX XXXX Complaint Description : Mystery account for SYNCB/WALMART DC appears on my credit report. I have never sought credit from SYNCB NOR WALMART. FROM XXXX - " .. Company Name : SYNCB/WALMART DC Company Address/Phone : XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Last Activity : N/A Type : Revolving or Option Rate/Status : Pays account as agreed High Credit : {$3600.00} Terms : N/A Balance : {$14.00} Past Due : {$0.00} Most Recent Date Reported :XX/XX/XXXX Comments on Account : Credit card, Amount in H/C column is credit limit .. " DISCOVERED THIS ON MY CREDIT REPORT. I HAVE NEVER SOUGHT CREDIT FROM SYNCB NOR WALMART. SENT THE FOLOWING LETTER ON XX/XX/XXXX- " .. To whom it may concern : OnXX/XX/XXXX, I began credit monitoring under XXXX . After which time I have noticed a credit account on my report that I have no knowledge of. This account is ... Syncb/Walmart DC I have disputed this account with XXXX. Your response to their investigation was to report that this account belongs to me. It does not. I have never applied for credit with Walmart, GE Capital Retail Bank, nor XXXX XXXX I am contacting you to request written proof regarding this account, including the original agreement. I make this request, pursuant to Section 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ). I attempted to pursue this by phone, ( ( XXXX ) XXXX, ( XXXX ) XXXX ), but after 3 transfers, your agent hung up on me. I am sending this via tracked mail.
Your Desired Resolution : written proof regarding this account, including the original agreement.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am trying to repair my credit. I signed on with Trans-union because it seems most of the lenders use these as primary source. I thought your credit reports were free if you used it once a month, accordingly I mistakenly signed on with them. When I tried to ascertain specially what my adverse issues were I was charged XXXX 2 times, I called and complained to the vender. They did not charge one of 2 items but refused to refund my 1st charge dated XX/XX/2020, i consider this and all the rest of them criminal in the actions. XXXX  is the same thing, I will be making a issue of it tomorrow.

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 2018-06-22
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I lost my job last XXXX. Navient put me in deferment. Ive been in regular communication with them, they wouldnt offer income-based repayment, said the lowest was $ XXXX/mo. Been trying to reach them since I started a new job last month. I cant get through to a person. Last night, I received a certified letter that theyre going to take me to court if I dont respond by XX/XX/XXXX. Ive been calling the number in the letter and every number posted on their website this morning and none of them work. I can get no further than the 3 prompts. When you select to remain on hold the message replays, if I select to leave a message, the prompt message replays. If I select star for the main menu, the prompt message replays. Its been 2 hours now and I have had no luck. I believe they are nothing but fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-02-14
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a 2nd second home mortgage back at the end of XXXX and have had a horrible experience with with the lender XXXX. Loan officer XXXX XXXX | XXXX # XXXX was the person working on my loan. She refused to communicate properly with me and just sent forms for me to sign through a online portal. While I tried to look over the forms carefully, I missed the box being checked that my mortgage rate of 4 % wasnt locked in. XXXX wouldnt verbally discuss the interest rate or locking it in or not. She wouldnt explain the process with me at all. I was totally in the dark and I expected that a loan officer would explain things to me that were important like my interest rate being locked in or not. It wasnt locked in and now interest rates are 5.25 %. A new loan officer informed me that the interest rate will be now 4.75 % and I will have to come up with {$6800.00} in order to close because of XXXX not informing me that I needed to make a decision about locking in or not. She wouldnt take my calls and ignored me. When I asked her about the interest rate on XXXX, she gaslighted me saying we discussed the interest rate. I assure you we most certainly did not. She shouldnt allowed to work with the public anymore. I trusted that I would have the process explained to me. She didnt feel she needing to communicate with me other than sending forms I didnt understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have resolved an auto loan with XXXX for XXXX  XXXX XXXX. The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.

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 2022-07-14
Company: EQUIFAX, INC.
State: MN
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:
I am disappointed to see that the Credit Bureaus chose to ignore my request and neglected to comply with the Fair Credit Reporting Act section 605b. I am a victim of identity theft once more, and the data on my credit report is the result of this crime. According to FCRA section 605b, credit reporting agencies are required to delete any accounts and information listed on an ID Theft Report. I did some research on how to remove the fraudulent information from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. I need the following items removed from my Credit report : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation