vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 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:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XX/XX/year> around XXXX I reached out to XXXX XXXX XXXX to obtain information as to who they are and a validation of debt I spoke to a gentleman by the name of XXXX XXXX via phone whom I asked who they were and he told me the only way that he could help me was if I was paying off a debt and I asked could I receive a validation of debt and he stated no I can not help you with that. I was then transferred to a woman name XXXX in whom I asked again could I go about receiving written proof of whom they are and the debt they claim they have on file for me and she said no so they are refusing to validate anything they just want money. In addition to that they are not on my credit report the original creditor is National Credit Systems and they refused to give me information as they stated XXXX XXXX XXXX are now over the account so two companies are trying to collect from me with no validation of the debt. National Credit Systems has harassed me via phone and my workplace but they wont validate the debt. I am looking to settle any debt I have but if no one can validate it do I really owe so I need help as this debt could not be mine and then to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX {$310.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00} 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 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 2024-12-10 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent.

The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$4800.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX XXXX 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 2024-12-10 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX  {$8500.00} Opened XX/XX/XXXX, XXXX XXXX {$15000.00} Opened XX/XX/XXXX, XXXX XXXX, IN {$15000.00} Opened XX/XX/XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX  {$8500.00} Opened XX/XX/XXXX, XXXX XXXX {$15000.00} Opened XX/XX/XXXX, XXXX XXXX, IN {$15000.00} Opened XX/XX/XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I did not receive any information of debt. 
I did not receive proper notification of debt. Send a copy of the certified receipt that i should have been allowed to sign with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding a credit account that has been sold and is still appearing on my credit report.

Account Information : Name of the original creditor : Capital One Account type : Credit Card Account number : XXXX Date of Account Sale : XX/XX/year> Current Account Holder : XXXX XXXX XXXX Credit Reporting Agencies : XXXX, XXXX, XXXX. 


I believe this account should no longer be appearing on my credit report because it has been sold to a third party.

I am concerned that this account may be negatively impacting my credit score.

I have already attempted to resolve the issue by contacting the original creditor, contacting the current account holder, and disputing the account with the credit reporting agencies.

I request that the CFPB investigate this matter and take appropriate action to ensure the accurate reporting of my credit information.

I request that the CFPB assist me in having this sold account removed from my credit report if it is determined to be inaccurate or improperly reported.

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2024-12-10 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: OneMain Finance Corporation
State: GA

Complaint narrative:
credit report. 
XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XX/XX/year> Onemain Financial Number XXXX Account Number XXXX reporting inaccurate. U.S.C. 1681i ( Reinvestigation of Disputed Information ) Reporting Act ( FCRA ), specifically15 Additionally, under GA law, I am requesting proper validation of this debt.

Authenticated Evidence Based on GA Law with GA debt collection laws, that you have the legal right to report and collect Dear Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the absence of the requested documentation and verifiable evidence, I request that you with the Consumer Financial Protection Bureau ( CFPB ) , pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted. 
Sincerely, XXXX XXXX immediately delete this account from my credit report in compliance with the FCRA and GA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
United auto credit is committed fraud by repossessing my van since they couldnt provide a validation of debt they violated contract law they didnt put nothing of value therefore has nothing to loose they money came from me thats is why they couldnt validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

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 2024-12-10 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX  {$8500.00} Opened XX/XX/XXXX, XXXX XXXX {$15000.00} Opened XX/XX/XXXX, XXXX XXXX, XXXX {$15000.00} Opened XX/XX/XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/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 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