vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Name of the Credit Card is Prosper. On XX/XX/year> I completely paid off my balance of {$3300.00}. Reason I completely paid off balance was to increase my credit score so I could refinance my home or get a HELOC. My Credit Limit was {$3400.00}. After I paid the credit card off, they decided to decrease my limit to {$500.00}. Why? I've always been a great customer. Always paid my bills on time. This caused an issue with increasing my credit score. I am completely disappointed how Prosper deals with their good customers. I would not recommend them to anyone. Please increase my limit back to {$3400.00} so I may either refinance or get a HELOC. This is the proper thing & ethical business thing to do.

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 2025-06-19 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:
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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am exercising my legal rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute multiple inaccurate, unverifiable, and unauthorized entries you are reporting on my credit file. Your failure to maintain accurate reporting as required under FCRA 1681i ( a ) and Metro 2 Data Reporting Standards ( CRRG 2020 ) constitutes willful non-compliance and directly violates my consumer rights. 

I demand the immediate deletion of any account, collection, inquiry, or personal information that you can not fully verify with legally admissible documentation bearing my original signature or legally binding authorization. Submitting unverifiable or incomplete data knowingly violates FCRA 1681b ( Permissible Purpose ), 1681e ( b ) ( Maximum Possible Accuracy ), and Metro 2 data reporting requirements.

The following data you are reporting is inaccurate and disputed : Personal Information Disputed : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the data furnishers involved and they failed to provide any valid evidence that these accounts, collections, or inquiries were authorized by me. The presence of these unverifiable items raises serious concerns of identity theft, potential fraud, and FCRA 1681b violations regarding permissible purpose.

You are obligated under 15 U.S.C. 1681i to fully investigate these disputes, provide complete documentation supporting the accuracy and authorization of each item listed, and notify me in writing of your findings. If you can not produce legally sufficient evidence, I demand that you immediately DELETE these accounts, inquiries, and personal identifiers from my credit file. 

Failure to comply may subject you to legal action, regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for willful non-compliance under FCRA 1681n.

Send me written confirmation of your investigation results, along with a physical copy of my updated credit report reflecting the permanent deletion of these disputed items.

I expect full compliance within the 30-day investigation period as outlined under federal law. 

Sincerely,

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am exercising my legal rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute multiple inaccurate, unverifiable, and unauthorized entries you are reporting on my credit file. Your failure to maintain accurate reporting as required under FCRA 1681i ( a ) and Metro 2 Data Reporting Standards ( CRRG 2020 ) constitutes willful non-compliance and directly violates my consumer rights. 

I demand the immediate deletion of any account, collection, inquiry, or personal information that you can not fully verify with legally admissible documentation bearing my original signature or legally binding authorization. Submitting unverifiable or incomplete data knowingly violates FCRA 1681b ( Permissible Purpose ), 1681e ( b ) ( Maximum Possible Accuracy ), and Metro 2 data reporting requirements.

The following data you are reporting is inaccurate and disputed : Personal Information Disputed : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the data furnishers involved and they failed to provide any valid evidence that these accounts, collections, or inquiries were authorized by me. The presence of these unverifiable items raises serious concerns of identity theft, potential fraud, and FCRA 1681b violations regarding permissible purpose.

You are obligated under 15 U.S.C. 1681i to fully investigate these disputes, provide complete documentation supporting the accuracy and authorization of each item listed, and notify me in writing of your findings. If you can not produce legally sufficient evidence, I demand that you immediately DELETE these accounts, inquiries, and personal identifiers from my credit file. 

Failure to comply may subject you to legal action, regulatory complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for willful non-compliance under FCRA 1681n.

Send me written confirmation of your investigation results, along with a physical copy of my updated credit report reflecting the permanent deletion of these disputed items.

I expect full compliance within the 30-day investigation period as outlined under federal law. 

Sincerely,

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company too, BLATANTLY ignored my pre-arbitration demands for their REPEATED VIOLATIONS of my consumer credit for a period of XXXX YEARS ( XXXX )!!!!! 
They did NOT remit payment for their violations of my consumer rights and consumer laws, NOR address their violations!!!! THE ITEMS WERE NOT DELETED!!!! 
I will be filing complaints with XXXX, FTC, and FCRA TODAY!!!! I HAVE RECEIPTS SHOWING PROOF OF MY DISPUTES BEING SENT CERTIFIED!!!!! 
I will now be taking this to my attorney for legal action in civil AND/ or federal court, because this company is currently being sued, yet has the AUDACITY to CONTINUE VIOLATING the rights of consumers!!!!! They are in REPEATED VIOLATION OF ; 15 USC 1681 ( e ) ( b ), 15 USC 1691 k 15 USC 1681 ( i ), 15 USC 1681 ( n ), 15 USC 1681 ( o ), and a few other codes mentioned in my PRE-ARBITRATION LETTER. Since they have FAILED to meet my demands, this is my final attempt before going forward to litigation!!!!

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 2025-06-20 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: MD

Complaint narrative:
I am asking for your help to investigate these accounts from companies that are inaccurately reporting late payments. After reviewing my credit report, I found that certain accounts show late payments which are incorrect. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one XXXX XXXX XXXX, Credit one Would like these items removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
XXXX ) 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
The apartment complex sent me to collections for rent I do not owe. I gave proper XXXX notice and vacated the apartment before the rent was due. They are attempting to collecting money unfairly and it is damaging my credit. 

The debt collector has not validated the debt, I have not requested validation. They are trying to. collect on a lease that was legally terminated with proper notice. I did not plan to re-sign, I sent proper notice to apartment XXXX, she acknowledged and signed off on vacate letter. 

I was never given a chance to dispute the debt before it was sent to collections. I received a threatening piece of mail from collector, threatening to take further action of debt was not paid, to. payment plan was set up to take care of debt. 

I followed the lease by submitted a XXXX notice and caveating early, yet that are still billing me for rent during a time when I no longer occupied the unit. 
On XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX received an email from me, a word document was attached at it was my vacate notice, which became effective XX/XX/year>, XXXX XXXX was addressed in this email also. XXXX replied at XXXX on XX/XX/year>. If anything should be charged it should be for the furniture left behind, not rent after it was agreed, I was not renewing my lease. I started a payment plan after I received threatening letters from the collection company, out of fear of being taken to court, or it going on my credit report, which it has made it to my report even though I have not missed a payment. 

At this time, I am unemployed, and a single-mom, I'm very overwhelmed with regular bills and revolving debt from all around. I felt extremely pressure and scared, so I started the payments when I had a job. I made XXXX every XXXX weeks with XXXX XXXX XXXX  XXXX, that is not a whole lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: DE

Complaint narrative:
aprox XX/XX/XXXX tried to activate my new XXXX XXXX XXXX. it would not work. called the customer service department was told i had to submit a copy of my licence. i have done that 5 times. each time i get a XXXX XXXX they say to submit it again. i have done it electeonically and by mail. but to no avail. i can not access my benefits still. i was advised by XXXX XXXX  which holds my social security check and i use their card that they themselves had inadvertently entered my birthdate wrong. and they would correct the issue and it would take a few weeks but however since XXXX i still do not have access to my funds on their card. i was told to go to social security office to have them help rectify the problem and it still wasnt resolved. yesterday XX/XX/XXXX i went to social security office again as i still have no access to my funds via my XXXX XXXX XXXX. i was told i can open a bank account and have the funds owed me and future psyments sent there. i openrd a XXXX XXXX  account. i called XXXX XXXX XXXXXX/XX/XXXX to advise of the remiadition steps followed per their instructions and i was told i may still not get my funds owed to me by them sent to my new pnc bank account. i am XXXX and am in desperate need of the funds they are withholding. any and all help regarding getting my funds from XXXX XXXX immeduately released to my XXXX account would be greatly appreciately. They have been rude have actually hung up on me and have told different stories each time I ask for help in them giving me access to my funds via their card. 

with humble gratitude XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation