BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} ; XXXX XXXX XXXX XXXX  : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$3700.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX Balance XXXX  : {$2900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX Balance XXXX XXXX  {$440.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}.

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 non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Despite my initial contact, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$750.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$100.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$750.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Equifax to correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX/XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have violated my rights ). 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX Balance Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed : {$4100.00}.

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 non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to XXXX on XX/XX/XXXX. Despite my efforts, I have not received any response from XXXX regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$420.00} provided by XXXX does not correspond to the lower amount that I remember. I request that XXXX revises the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request XXXX to mark this account as disputed because I do not want my credit score to be further affected. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request XXXX to correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Comenity Bank calls me numerous times every single day mostly from a blocked number or a XXXX number. They called me XXXX XXXX XXXX XXXX XXXX about my bill. I just want them to stop XXXX  me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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 live in XXXX XXXX but visit Florida because my in laws live there. I visited over the summer and this past winter. I believe someone used a skimmer to steal my credit card information. 

They posted three charges at the XXXX XXXX XXXX. 

XX/XX/XXXX XXXX. XXXX XXXX  - XXXX $ XX/XX/XXXX XXXX. XXXX - XXXX $ XX/XX/XXXX XXXX. XXXX XXXX XXXX $ I have been a loyal customer to BOA for 13 years and they are not backing me. 

the total charges is XXXX. I did not spend that amount. They are denying my claims. 

I was in XXXX XXXX during the time of this incident when I was aware of the charges I called my bank to change my card immediately. 

I've heard this is frequent with BOA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law.

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: MS
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 fourth 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-03-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was trying open account with Chase bank. They stated that I already have account with them. I never had account with Chase Bank. No even a credit card. They state that the account was open in XX/XX/2019 and still open present with negative balances. I had police report filed. I believe my ex spouse may have open a Chase account in my name using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XX/XX/2022 I wrote and mailed a check for {$100.00}. It was stolen and copied, my signature was forged and the check was made payable to a " XXXX XXXX '' for {$28000.00}. It was not endorsed but was cashed by said individual. My bank deducted {$28000.00} from my account. After my bank reported this to me I filed a police report for this larceny.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer on my mobile app for a credit card. Part of the promotion included the waiver of the annual fee of {$95.00} for the first year. The card offered other benefits that were attractive such as credits towards XXXX pre check, more points on my purchases, and XXXX points if I spent a certain amount within 3 months. I bank completely with BOA and I liked the offer. I applied and the first thing I see is a {$95.00} annual fee assessed to the card. I called and the said they would research. They sent me a letter to call and when I did they denied the reversal and said they had no such promotion. I feel deceived. I didnt take a screenshot but I shouldnt have to. I just wanted the offer as advertised.

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 2023-10-02
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX with new & updated information about my recent complaint XXXX. Equifax failed to delete the following 14 inquires that were disputed in 4 business days as required by 15 USC 1681c-2. Equifax is now out of compliance with the FCRA & is now liable pursuant to 15 USC 1681 for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent a letters to XXXX, TransUnion and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: NJ
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:
in accordance with the fair XXXX XXXX XXXX XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX Companies 4. XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX  Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX, Used

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