vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX XXXX XXXX XXXX  I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XXXX XXXX : XXXX Date : XX/XX/XXXXXXXX  To : National Credit System , Inc . 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Formal Debt Validation Request for Account # XXXX Dear National Credit System, This letter is to dispute and formally request validation of the alleged debt referenced above. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to ensure this debt is legitimate and accurate. 

Required Validation Details Please provide the following : 1. Proof of Debt Ownership : The original signed lease agreement with XXXX XXXX XXXX. 
A full breakdown of charges, fees, and payments contributing to the balance of {$6000.00}. 
2. Proof of Legal Authority : Documentation showing National Credit Systems authority to collect on this debt, including the transfer or assignment agreement.

3. Timeliness Verification : Confirmation that this debt falls within the applicable statute of limitations. 

Cease Collection Activities You are required to halt all collection activities, including reporting this account to credit bureaus, until full validation is provided. Failure to comply will constitute a violation of the FDCPA ( 15 U.S.C. 1692e ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). 

If you fail to validate this debt, I will escalate this matter to the CFPB, FTC, and Florida Attorney General. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-01-01 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREA
U IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Equifaxs Failure to Comply with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 7 ). Despite my repeated requests, Equifax has failed to provide a description of their investigation process regarding disputed accounts on my credit report. Additionally, they continue to inaccurately report the following accounts as negative items : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Bank XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bank XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Equifax has XXXX that the information on my credit report is accurate and verified ; however, these accounts remain incorrect. Their failure to respond to my inquiry and provide the required explanation is a direct violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies ( CRAs ) are obligated to provide a description of the investigation process upon consumer request.

I demand that the CFPB take immediate action to enforce compliance with the FCRA. Specifically, I request the following : Require Equifax to delete the aforementioned negative accounts from my credit report. 

Impose a fine of up to {$1000.00} per violation, as allowed under the FCRA. 

Ensure that Equifax provides a detailed description of their investigation process in accordance with 15 U.S.C. 1681i ( a ) ( 7 ). 

I have attached copies of my correspondence with Equifax, along with any supporting documents, for your reference. Please let me know if you require additional information to proceed with this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

The accounts are -XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I requested to be allowed to validate the alleged debt including a breakdown of all charges, dates of service and procedures given. To my understanding, I have paid off more than what my CAPITAL ONE card charge off is showing and I do not have a current contract nor did I authorize this company to obtain my information, my rights to privacy was violated under FDCPA & FCRA. Law 15 U.S.C. clearly states that if a consumer notifies a debt collector that they refuse to pay a debt the debt collector must cease all communication. Also, Under HIPAA Law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED - XXXXXX/XX/year>

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 2025-01-01 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: NV

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and XXXX done waiting for it to be fixed.

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 2025-01-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal line of credit with Desert Financial ( account number XXXX ), a credit card account opened with XXXX XXXX  ( account number XXXX ), XXXX personal credit card accounts with XXXX XXXX ( both account numbers begin with XXXX ), and XXXX personal XXXX  credit card accounts with XXXX ( account numbers XXXX, and XXXX. 


These accounts are all appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts appearing on my consumer credit report maintained by you were charged off due to fraud and must be removed immediately. I have attached a copy of FTC Identity Theft Criminal Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
I sent Planet Home Lending a FOIA request for documentation showing where the funding came from to fund the mortgage loan we have. The documentation was delivered to the address at Planet Home Lending in XXXX, CT on XX/XX/XXXX. Nothing has been received from them. 

The request was filed with them for personal knowledge to find out where the funding for the mortgage came from, if they collateralized the loan note, the original promissory note, and to show any documentation as to if they purchased the mortgage from XXXX Mortgage or if it was transferred to them. 

I understand that there is 20 business days for them to respond to the FOIA request. However, 20 business days would be either XX/XX/XXXX or XX/XX/XXXX. I am writing this complaint to ensure that there is a proper response from Planet Home Lending as they have failed to respond to the initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
Received a letter from Mohela indicating that they owed me a refund of {$3900.00} and I could expect a check within 45-60 days. I have not received that check, and when I ask Mohela about it I get a different answer every time, including that it was mailed back in XXXX by Mohela, and that they are not responsible for mailing the check but the federal government is. It is 60 days, and I have not received the refund, and have not received a clear answer from the loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Current Address XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXXXXXX XX/XX/XXXX {$7900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$140.00} XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Current Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXXXXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$140.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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