vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I brought a home through Peoples Bank  mortgage of which was acceptable based on the information and figures provided. I choose to pay my homeowners insurance up front at that time. The account was sold to MT & T Bank who therefore charged me more in mortgage fees consistently substantial amount every year. I asked them to justify the increase and they printed a general genetic letter. I sought help from them to explain again they failed ; sending me a genetic generated letter. I asked them to audit the file ; they refused and stated it is 1x a year in which the auditor will review. I asked what happened to the difference in the homeowners insurance decrease ( I switched insurance company and the rate was lower ) and yet they couldn't explain nor did they return or apply the difference to my account. I had been paying my mortgage for the past XXXX years and yet it increases significantly every year with no detailed lined items as to why the increase. When I had investigate with the insurance company and the city taxes ; it appears that that the fees charged and paid didn't add up to the increases by the bank. 
The bank will not take off the PMI after I had already asked them to do so. Yet it is still a line item I have to pay.

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 2025-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inquires below are not mines and not authorized by me. These are fraudulent inquiries. 

Equifax : Inquiry details XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Transunion : Inquiry details XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XXXX XXXX, 2025 XXXX ( Bank ) XXXX XXXX, 2025 XXXX XXXX ( Auto ) XXXX XXXX, 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: IN

Complaint narrative:
Reference my previous complain number XXXX for more information. 

Discover called me 10 times within 5 days from the number XXXX. This is against the laws and regulations stating they can not contact me via phone more than 7 times in 7 days. 

I am already in an automatic repayment plan and have been for many months now. They are calling about an account that is already charged off, and I'm working to repay. They have no right to keep calling me multiple times a day. 

I have attached screenshots with timestamps and dates showing the incoming calls from Discover at that number. 

In my previous complaint, they policed themselves and found themselves to be not guilty. How is this right or fair? I am fighting their response. 

Furthermore, they have locked me out of my account. I can not access my balance. I can not make payments. I can not open a help chat. How is this right? I want my account with them to be cleared and I will no longer do business with a corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I was denied a checking account from XXXX XXXX XXXX. 

I contacted ChexSystems and they sent me my reports. The Consumer Score Disclosure Report shows insufficient data was found. When I called, they said they had no info on my other that my basic log-in and current location info that I provided.

I asked how I could provide them info or if there was a reason I had none. They said it was provided info, and they had no control of it. 

I am a XXXX old who has paid my taxes, been employed, owned XXXX businesses, XXXX XXXX XXXX of XXXX, XXXX homeowner with several other properties, and many bank accounts and credit accounts along with a XXXX XXXX of XXXX. 

Please help me figure out what is going on or where/what I can do the resolve this issue. 

THANK YOU.

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 2025-06-18 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: NY

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: FL

Complaint narrative:
Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$970.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$970.00}, Last Date of Payment : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$10000.00}, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX No permission to share data XXXX XXXX - XX/XX/XXXX - No permission to share data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$970.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$970.00}, Last Date of Payment : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$10000.00}, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX No permission to share data XXXX XXXX - XX/XX/XXXX - No permission to share data

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Midland. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-06-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2025-06-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, High Balance : {$970.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$970.00}, Last Date of Payment : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$10000.00}, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX No permission to share data XXXX XXXX - XX/XX/XXXX - No permission to share data

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 2025-06-18 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$330.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$78.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX XX/XX/XXXX -- {$23000.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-18 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$330.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$78.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX XX/XX/XXXX -- {$23000.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX  # XXXX -- -- - Date opened : XX/XX/XXXX XXXXXXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX # XXXX -- -- - Date opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation