vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX  credit accounts are being reported inaccurately as derogatory despite showing a XXXX  balance, and one account I do not recognize : 1. Citi ( opened XX/XX/XXXX, closed XX/XX/XXXX ) This account was paid and closed with a {$0.00} balance. It should not be reported as derogatory. 
XXXX XXXXXXXX XXXXXXXX ( opened XX/XX/XXXX, closed XX/XX/XXXX ) This account was also paid and closed with a {$0.00} balance. It is incorrectly showing as derogatory. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX. ( reported XX/XX/XXXX, balance {$500.00} ) I do not recognize this account and have not received any validation of the debt. I dispute this entry entirely. 

These negative marks are inaccurate and are hurting my credit score. I request that the companies verify the accuracy of these reports. If they can not provide proper documentation, the accounts should be corrected or deleted in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to complaint number XXXX, this matter is involved in a federal lawsuit so under public scrutiny, the alleged debt claimed to be owed is under investigation which also involves the attorney general. If cyber consumer financial protection bureau do not want to be subpoenaed under a false claim act in federal, I suggest that its representatives do the right thing and conduct a thorough investigation with the Internal Revenue Service as well as with the federal trade commission. Again I demand that XXXX produce the following : Toyota Financial Services have made claim that an alleged debt was off and therefore they produce the 1099c which shows that the alleged debt was cancelled with the Internet Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX around that day I called to make a payment in full before intrest was applied. I spoke to a lady that told me it was taken care of and processed. I didnt get a notification for almost 3-4 weeks and on XX/XX/XXXX I got one saying my payment was declined ( after almost a month ) and interested had been applied. I called and spoke to an agent who then told me because it was a mistake on their end removed the intrest which was XXXX dollars. ( I paid the bouncing fee ) but then I got a notification on XX/XX/XXXX that I owed XXXX dollars. When I called to resolve and I was told by and agent they werent gon na remove the intrest, I then went to speak to a manger who refused to explain why they wouldnt remove it even when I explained the situation and that it was only late because and agent hadnt charged my account correctly and then a second agent told me they were going to remove the intrest. Yet the whole management has refused to help me or acknowledge their mistake. It is SYNCHRONY BANK. It is a credit line open through 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 2025-09-26 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-09-26 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-09-26 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccurate and unverifiable items being reported on my credit file. For proper identification, my full name, date of birth, and the last four digits of my Social Security number are provided below. These items do not comply with the standards of accuracy, fairness, and verifiability as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 ( a ). I request that you conduct a reinvestigation and delete or correct the following : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX WA XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 2025-09-26 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: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXXXXXX XXXX Balance Owed : {$6800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXXXXXX XXXX  Balance Owed : {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXXXXXX XXXX Balance Owed : {$6800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXXXXXX XXXX  Balance Owed : {$6800.00} XXXX XXXXXXXX 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 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: IL

Complaint narrative:
I made a simple purchase through XXXX from XXXX for a pair of XXXX  on XX/XX/year>, and set it up on four payments. The first payment came out weeks ago, and after this, I decided to pay the rest of the balance off in full when I received my XXXX XXXX XXXX  a little over a week later, which they did not like, as they could not make any money off of me! I used XXXX XXXX  card as my preferred payment method, they processed the pay off payment but let it sit in processing for days on end, so they could make me look late paying and charge me fees, it is still showing processing almost XXXX hours after paying the balance in full, and they have suspended my account for paying late, after the balance has already been paid to them through this debit account, XXXX XXXX  card in wallet is a debit card and cash, the money comes right out of your bank account, it is NOT a charge card!!! They are crooks!!! I am reporting them to numerous government agencies, as well as I am a prior government and financial services, and banking employee, so I can clearly see what they are doing!!! XXXX  and XXXX XXXX XXXX, who are responsible for processing the XXXX cash card are crooks!! All of the employees were clueless or intentionally playing XXXX to avoid accountability for their wrongdoing, which I think is the case. Their documents specifically insist on arbitration and no ability to sue with a jury trial, this speaks volumes about a business or agency of any kind, only the corrupt put such in their agreements! It is easier to just not shop or shop locally and pay cash, so many crooked thieves in this country and world now!!!! I HATE shopping now, like so many do, because of constantly being ripped off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-26 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: AZ

Complaint narrative:
NOTICE TO CREDIT REPORTING AGENCY LEGAL DEMAND FOR REMOVAL This letter serves as a formal legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and applicable provisions of the Uniform Commercial Code ( UCC Articles 3 & 9 ). You are hereby instructed to immediately REMOVE and BLOCK all reporting of fraudulent accounts, unverifiable tradelines, and unauthorized inquiries listed below. 

I dispute these accounts and inquiries in their entirety as fraudulent, inaccurate, and unverifiable : Fraudulent Accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Alleged Balance : {$77.00} Account # : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Disputed Fraudulent, No Contract, No Proof of Liability XXXX XXXX Alleged Balance : {$30000.00} Account # : XXXX Date Opened : XX/XX/XXXX Status : Closed Disputed Fraudulent, Inaccurate, Unverified Fraudulent/Unauthorized Hard Inquiries XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) LEGAL BASIS OF DEMAND Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days of receipt of this dispute. Failure to verify with proper documentation requires immediate deletion. 

Reporting any account or inquiry without my wet-ink signature on a valid contract constitutes willful misrepresentation and fraud under UCC 1-308 ( Reservation of Rights ) and UCC 3-501 ( Presentment ). 

Continued reporting of false or unverified information after notice is a willful violation of the FCRA and FDCPA, exposing you to statutory damages, civil liability, and injunctive relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$2700.00} by XXXX ( XX/XX/year> ) for a reservation in XXXX XXXX, NJ ( XXXX XXXX XXXX  ). Days before travel, New Jersey Governor declared a State of Emergency ( Executive Order No. 396 ) due to Hurricane Erin, citing flooding , road closures, and unsafe travel conditions. The National Weather Service and NOAA issued Coastal Flood Warnings making it unsafe and impossible to reach or stay at the property. 
I promptly notified XXXX and requested a refund, but both the host and XXXX refused, despite the fact that the service could not be rendered due to a government order. 
Chases handling of dispute : I disputed the charge with Chase. Chase denied the chargeback, stating that XXXX cancellation policy applies. This is incorrect and inconsistent with card network rules. This was not a voluntary cancellation. The service was impossible to deliver due to an official government order. 
Why this is a violation : Under Visa Reason Code 13.1 ( Services Not Provided ) merchants can not rely on cancellation policies when a government order prevents service from being delivered. 
Chase improperly denied the chargeback by deferring to XXXX policy instead of applying card network protections. 
As a result, I am left with a {$2700.00} charge for services that were never provided. 
Resolution I am seeking : I request that Chase be required to reopen my dispute and process it under the proper card network reason code ( services not provided due to government prohibition / force majeure ).

I request a full refund of {$2700.00}.

Supporting evidence attached : NJ Governor Executive Order No. 396 State of Emergency.

NOAA / National Weather Service Coastal Flood Warnings.

Weather advisories showing unsafe travel conditions. 
Copy of my dispute letter to Chase. 
Chases denial letter. 
XXXXhost communications denying refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


This is a formal complaint against MAZDA FINANCIAL SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

MAZDA FIN XXXX XXXXXXXX

Company response to consumer: Closed with explanation