vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-04 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: TX

Complaint narrative:
Could you take a look at this delayed entry? It might not be accurate.

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 2025-09-04 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: DE

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-04 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: DE

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To Whom It May Concern, We are submitting this complaint regarding Navy Federal Credit Unions treatment of our accounts. For the past two years, the IRS has held our XXXX XXXX XXXX ( XXXX ) refund, which already placed us in a difficult financial position. In XX/XX/year>, XXXX XXXX worsened the crisis by freezing our business accounts on XX/XX/XXXX and our personal accounts on XX/XX/XXXX. They withheld our funds for XXXX to XXXX weeks and refused to verify our accounts with legitimate lenders. 

As a result, XXXX lenders denied us financing, forcing us into nearly {$500000.00} of XXXX XXXX XXXX debt at rates exceeding 200 % APR. The impact has been devastating : we are XXXX XXXX  with no history of defaults, repossessions, or bankruptcies, yet we were humiliated at grocery stores when our cards were declined while all available funds went to keeping employees paid and the business open. 

We had responsibly maintained {$1.00} XXXX in reserves, but with a $ XXXX burn rate, those funds disappeared quickly under the combined weight of the IRS delay XXXX Navy Federals freeze , and XXXX debt XXXX This has already forced us into small layoffs, and more are imminent without relief.

Navy Federal admitted there were no issues with our accounts but still withheld funds, delayed records for over a year, and harassed us when we attempted to withdraw client ACH deposits or cover XXXX payments. We were forced to visit multiple clerks to beg for limited releases of our own funds, an unfair and humiliating process that compounded our hardship. 

We request that the CFPB investigate XXXX XXXX actions, which have caused extraordinary harm and left us reliant on predatory lenders. Consumers deserve protection from such practices, especially when they have demonstrated decades of financial responsibility. 

Sincerely, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX 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 2025-09-04 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: MO

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-09-04 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: TX

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX * * * * Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Re : Formal Dispute of Account Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced XXXX XXXX credit card account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). This account, opened on XX/XX/XXXX and closed in XX/XX/XXXXXXXX XXXX is inaccurately reported on my credit file despite a previous dispute filed with XXXX XXXX. Evidence of my prior dispute is available in your internal records. Disputed Items & Evidence : 1. Contradictory Payment Reporting The account is reported as Closed/Never late in XX/XX/XXXX, yet historical payment summaries reflect inconsistencies in closure dates and reporting ( e.g., XXXX reported in XXXXXXXX XXXX XXXX. This conflicts with your own records of payment history and violates FCRA 607 ( b ) requiring maximum accuracy. 2. Previous Dispute Ignored My prior dispute regarding this account ( referenced internally in your system ) clearly indicates that inaccurate or misleading information was reported. Your continued failure to correct these errors constitutes willful noncompliance under FCRA 611 ( a ). 3. Incorrect Account Information The last payment date is reported as XX/XX/XXXXXXXX XXXX yet monthly statements and closure notes indicate no payments were ever missed. Reporting discrepancies such as these negatively affect my creditworthiness and are factually incorrect. Requested Action : Investigate and correct all inaccurate reporting on this account. Ensure that the account reflects accurate closure date, status, and payment history. Provide written confirmation of your investigation and results within 30 days, as required by FCRA 611 ( a ). Please note, failure to correct these inaccuracies will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue all legal remedies available under the FCRA 616617. I expect your full compliance and a written response within the statutory period. Sincerely, XXXX XXXX XXXX XX/XX/XXXX Last Four Social 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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: GA

Complaint narrative:
On XX/XX/2025, This company Pinnacle Recovery ( a junk debt buyer ) responded to my request to show proof that it owned my debt by sending to me a group of statements and a copy of my contract with the original creditor. I responded in writing ( via certified mail ) on XX/XX/2025 that the company has failed to establish the chain of title by not providing an assignment contract between it and the original creditor or by showing that it had specifically purchased my debt ( and not just a portfolio of debts ). Between the dates of XX/XX/XXXX and XX/XX/2025. Pinnacle Recovery has placed a collection mark on my XXXX credit file- which I immediately filed a dispute. Pinnacle Recovery has broken the law by erroneously reporting this information to a major credit bureau without having established the chain of title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is a follow-up with new evidence. On XX/XX/year>, I submitted FTC Identity Theft Report # XXXX identifying fraudulent accounts on my Experian report. Under FCRA 605B, Experian must block these accounts within 4 business days unless certified proof is provided. The accounts remain, so the law has not been followed. I also requested a Method of Verification ( FCRA 611 ( a ) ( 7 ) ), but Experian has not provided the furnishers information, verification method, or documents. I am requesting immediate blocking and permanent deletion.

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 2025-09-04 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: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX  BANK ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX  XXXX AUTO XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX  BANK ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX  XXXX AUTO XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I state that the false late payment remarks on my accounts are a violation of 15 USC 1666. I have always made timely payments, and these reporting errors are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Late Payment Reporting Account No. XXXX ( XXXX XXXX ) To Whom It XXXX Concern, I am writing to formally dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX Note Loan ( Account ending in XXXX  ). 
The account was opened XX/XX/XXXX, carried an original balance of {$5000.00}, and was paid in full and closed as of XX/XX/XXXX with a {$0.00} balance. Despite its closed and paid status, my credit reports continue to show XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
Basis of Dispute : XXXX. The account was paid and closed in good standing, and there should be no derogatory reporting associated with it. 
XXXX. XXXX XXXX has not provided documentation verifying that these alleged late payments were validly assessed. 
XXXX. Under XXXX XXXX. XXXX ( FCRA ), the credit reporting agencies are required to delete or correct any information that can not be verified. 
XXXX. Continuing to report these XXXX late payments on an otherwise paid account is misleading and does not accurately reflect my credit history. 
Action Requested : I demand that the credit bureaus : Delete the XXXX late payments from XX/XX/XXXX and XX/XX/XXXX ; OR Correct the reporting to reflect XXXX XXXX XXXX XXXX XXXX 
If the disputed information can not be verified with proper documentation, you must remove it immediately as required by the FCRA. Failure to do so will result in complaints being filed with the CFPB, the FTC, and the Florida Attorney XXXX XXXX for noncompliance. 
Please provide me with the results of your reinvestigation, including documentation relied upon, within XXXX  days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief