vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On Wednesday the XXXX of XX/XX/year>, I pulled my credit report and found three accounts that I had zero knowledge of or access to. Upon further investigation I found out the XXXX XXXX and Barclays/XXXX XXXX had been opened by my mother XXXX XXXX XXXX and the contact information, phone number, and email address ( XXXX ) are hers, not minXXXX XXXX XXXXXXXX XXXX XXXX had her name as an authorized user. We share an address, however, I have no access to the mailbox, as she has the key. I confronted my mother about said accounts, and she admitted to opening these accounts without my knowledge or permission. Both these accounts were opened under my social security number, name, and date of birth without my permission, and the rest of the information as well as payments under them were all regarding her, XXXX XXXX. She also falsely added me as an authorized user on a XXXX XXXX account without my knowledge or permission, which showed up on my credit report as well.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday the XXXX of XX/XX/year>, I pulled my credit report and found three accounts that I had zero knowledge of or access to. Upon further investigation I found out the XXXX XXXX and XXXX XXXX XXXX been opened by my mother XXXX XXXX XXXX and the contact information, phone number, and email address ( XXXX ) are hers, not mine. The XXXX XXXX XXXX had her name as an authorized user. We share an address, however, I have no access to the mailbox, as she has the key. I confronted my mother about said accounts, and she admitted to opening these accounts without my knowledge or permission. Both these accounts were opened under my social security number, name, and date of birth without my permission, and the rest of the information as well as payments under them were all regarding her, XXXX XXXX. She also falsely added me as an authorized user on a Capital One account without my knowledge or permission, which showed up on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I opened this credit card account and it was closed involuntarily because of unauthorized charges. I did not dispute the charges the company just did not agree on my purchase which resulted in the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
Due to total and XXXX XXXXXXXX from the VA, I applied for loan discharge in XX/XX/XXXX. 
On XXXX XX/XX/XXXX, I was approved for complete discharge of my federal loans, and my loan servicer, Mohela, was notified of the discharge on this date. 
starting in XX/XX/XXXX, I began calling Mohela once per month to inquire as to the status of my discharge, because my online account still showed that my loans were in a repayment status. Each time, I was assured that they were working on it, that they would rebuild my profile to reflect the complete discharge of my loans, and that the would place an administrative hold on my loan repayment. 
This never happened, despite numerous phone calls and talking with supervisors at Mohela. 
On XX/XX/XXXX ( 11 months after the discharge was approved ), Mohela finally processed my discharge and my account shows a XXXX balance. 
However sometime prior to this, Mohela reported my account as delinquent to all three credit agencies. They are now unwilling to help me removed this errant delinquency from my credit reports, and my credit has been significantly impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. In the Summer/Fall of XXXX, I began encountering difficulties accessing JPM/Chase 's online payment system. In extensive communications with them, it became clear that the technical difficulties were entirely on their side. Chase assured me they would be addressed and corrected. 
2. I traveled overseas, to the deep jungles of XXXX XXXX, between XX/XX/XXXX and XX/XX/XXXX. I had no cellphone voice capability, and very limited data capability. However, I did have enough access and bandwidth to log in to various accounts and pay my bills... which I proceeded to do for all my accounts : XXXX XXXX, XXXX, and XXXX. Chase, though was *still not functional*. Therefore, I could not pay that account, due entirely to technical difficulties with and caused by Chase 's payment site and system.

3. When I returned to the US, I discovered that Chase had already filed derogatory " overdue payment '' reports with the relevant Credit Reporting Agencies. I contacted Chase immediately upon my return, and offered to pay them immediately and in-full, just as I had for EVERY MONTH that I'd had this account with them, over the prior seven years. My only ( conditional ) request, was that Chase acknowledge that the lapsed payment was due to problems with their payment system by reversing the derogatory reporting.

4. Chase refused to accept full payment, in exchange for acknowledging their problem and correcting the erroneous reporting that flowed from it, and continued to do so every time I contacted them ( > 10 times ) over the succeeding weeks and months. 
5. Chase has ruined my credit score, which has been over XXXX for DECADES, because they refuse to be accountable for their failed electronic payment system. This needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
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.
State: GA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
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.
State: TX

Complaint narrative:
I DO NOT RECOGNIZE THESE ADRESSES. PLEASE REMOVE THEM FROM MY CREDIT REPORT IMMEDIATELY. THANK YOU SO MUCH!!! 


XXXX 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 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : Formal Dispute of Unauthorized Inquiries Due to Data Breach Request for Deletion Within 4 Days per FCRA Section 605B & Metro 2 Compliance To Whom It May Concern, I am disputing the unauthorized hard inquiries on my credit reports from Equifax, Experian, and TransUnion. Under FCRA Section 605B, I am requesting the immediate removal of these inquiries within four ( 4 ) business days due to fraud resulting from the Equifax data breach that exposed my personal information.

I did not authorize these inquiries, and they violate Metro 2 compliance and CDIA reporting standards.

Unauthorized Inquiries to Be Deleted : ( Full list of 78 inquiries from above. ) Additionally, my only legal name is XXXX XXXX XXXX, and my only current address that should be reporting is XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please update my file accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
I am filing this complaint against XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ), representing XXXX XXXX XXXXXXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. Section 1692g by failing to provide a proper debt validation notice before initiating legal action against me. 

This alleged debt is not valid. It originates from a dispute involving a defective computer purchased from XXXX, for which I initiated a dispute with XXXX XXXX. XXXX XXXX later reinstated the charge, inaccurately claiming " goods were as described and received in good condition, '' despite XXXX 's own technician confirming the defect. 

Rather than properly resolving the chargeback dispute, XXXX XXXX XXXXinitiated a lawsuit against me on XX/XX/year> without ever providing a legally required debt validation notice beforehand. I was completely unaware of any outstanding balance or collection efforts until I was served with the lawsuit papers. 

Only after I filed XXXX requests in court did XXXX produce a so-called " debt validation notice '' but by then, I was already defending myself in litigation. This is a direct violation of the FDCPA, which requires written notice of the debt within XXXX days of the initial communication. 

By failing to provide timely validation, XXXX XXXX and XXXX : XXXX. Deprived me of my right to dispute the debt before being sued. 
XXXX. Caused undue stress and unnecessary legal expenses due to their failure to follow federal law. 
XXXX. Engaged in improper collection practices by taking legal action before fulfilling their FDCPA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account was randomly closed. Funds are now being held with no definite date of release. This is all of my hard earned money. No physical locations available & mobile staff is giving the run around. Telling me it could take years to release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have these negative accounts. I wan na challenge the ownership rights to these accounts. They need to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
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.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$890.00} XXXX XXXX XXXX XXXX XXXX- {$2000.00} XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$750.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX  -- {$930.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. An unauthorized individual fraudulently used my personal information to conduct hard inquiries on my credit report and falsely claimed me as a dependent on their tax return without my consent. 

I first became aware of this issue when I noticed unauthorized hard inquiries on my credit report and later discovered that my Social Security number had been used improperly for tax filing purposes. I did not authorize these actions, nor did I provide my personal information for such use. 

I am requesting that this matter be thoroughly investigated and that the fraudulent activity be corrected immediately. Additionally, I ask that any fraudulent inquiries be removed from my credit report and that the IRS take the necessary steps to rectify the false tax filing. 

CAP ONE NA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief