vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-16 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: CA

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 explanation
Consumer complaint received 2025-10-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX Equifax This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are ( FRAUDULENT ). The accounts in question are listed below. 
Please ( BLOCK ) these Items below until investigation is done on all accounts listed.

Pursuant to 18 USC 8, I owe No debt. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the 8me that such information is ini8ally disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure op8on which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) accounts.

Please provide me with a copy of an updated and corrected credit report showing these ( FRAUDULENT ) items have been ( BLOCKED ).

I demand the following accounts be ( BLOCKED ) immediately. 
ACCOUNT : XXXX XXXX XXXX ACCOUNT TYPE : COLLECTION ACCOUNT XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$210.00} ACCOUNT : XXXX XXXX XXXX  ACCOUNT TYPE : COLLECTION ACCOUNT XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 explanation
Consumer complaint received 2025-10-16 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 disputed a XXXX XXXX tradeline that is being reported inconsistently across all three credit bureaus. XXXX  marked the account as verified without providing documentation or explanation of how it was verified. Equifax and TransUnion are showing conflicting balances, status dates, and account conditions for the same account. 

Despite my written requests for verification and supporting documentation under FCRA 1681i ( a ) and 623 ( b ), I was not provided with any proof showing how XXXX XXXX verified the information as accurate. The investigation response appeared to be automated and did not address the specific discrepancies or supporting evidence I submitted. 

The information being reported remains inaccurate and misleading, and the bureaus failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act. I am asking for a full reinvestigation and proof of verification, including all documents or communications used to verify this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly and negatively impacted my credit and overall financial standing. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain. This failure to take corrective action is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has caused ongoing emotional and financial harm.

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 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
PHH Mortgage Corporation, XXXX XXXX, XXXX, PHH Asset Services LLC, and XXXX XXXX have engaged in fraudulent, illegal foreclosure practices, bank fraud, mail fraud, and violations of my rights under RESPA ( 12 U.S.C. 2605 ( e ) ), Regulation X, and XXXX  XXXXXXXX XXXX XXXX I demand immediate CFPB intervention to halt their actions, cancel the fraudulent foreclosure, and impose penalties for their misconduct. 
Egregious Violations : Fraudulent Foreclosure and Fund Withholding : PHH initiated foreclosure and scheduled an auction for XX/XX/XXXX, despite holding my full payment ( certified funds, received XX/XX/XXXX ) covering all amounts owed as of XX/XX/XXXX. PHH admitted to holding these funds but deliberately refused to apply them, fabricating a default by allowing another months delinquency to accrue. This is bank fraud, mail fraud, and dual-tracking under 12 C.F.R. 1024.41 ( g ). 

Concealed Auction and Forged Documents : PHH and XXXX XXXX failed to notify me of the foreclosure or auction, which I discovered independently on XX/XX/XXXX. PHH recently sent a new assignment of mortgage ( recorded XX/XX/XXXX ) to falsely claim title, ignoring that my home is held in a trust and is not collateral for their alleged " note. '' PHH has provided no proof of standing to foreclose, and their shoddy paperwork has been under investigation since XX/XX/XXXX. 

Ignored QWR and Improper Servicing : PHH failed to send a timely " hello '' notice after claiming to service my loan on XX/XX/XXXX, violating 12 C.F.R. 1024.33 ( b ). My QWR, sent XX/XX/XXXX ( received XX/XX/XXXX via XXXX ), was ignored. PHH rejected my full XXXX, XXXX, and XX/XX/XXXX payments ( certified XXXX money orders ) as " insufficient '' without justification, despite proof of mailing and receipt. 

False Affidavits and Misrepresentation : XXXX XXXX relied on fraudulent affidavits to justify foreclosure, violating XXXX  XXXX  and federal servicing rules. PHH and its agents continued marketing and scheduling the auction during an active dispute, breaching RESPA and Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have been making my payments monthly on my XXXX plans for my 2 consolidation loans which qualify for XXXX. I made the payments for XXXX, XX/XX/year> and certified my employment on XX/XX/year> ( see attached XXXX form ). 

Mohela went back and put a forbearance on my account effective XX/XX/year>, backdating the forbearance to block the payments from being applied appropriately to my loans for my final XXXX XXXX payments. 

I did not request this to be backdated. On my XXXX  form dated XX/XX/year> I requested forbearance moving forward not backward. 

I checked online and the loans did not even reflect forbearance, I attached that screenshot as well. This is typical of their deceptive practices, I was not aware that they even put the loans on forgiveness. My last two payments should apply to 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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called Wells Fargo to close all of my accounts back in XXXX of XXXX ( I had XXXX ) They told me it was done. However, about a year later, I I see that my credit card was not only still open but there were charges and cash advances that I had not authorized ( earliest transaction date was on XX/XX/XXXX ). I disputed this when I realized what was going on in XXXX of XXXX. Today ( XX/XX/XXXX ) I went to a WF branch and was told that this account has been closed and there is no balance due. However my credit score has plummeted due to this fraud and has not gone back up to where it use be ( it went down about XXXX points ).

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Financial Product/Service : Bank Account or Service Issue : Excessive Hold on a Verified Deposit Date of Deposit : Monday, XX/XX/year> Check Amount : XXXX { XXXX { \ {$180000.00} } } ( Settlement Check ) Check Issuing Bank ( XXXX XXXX  ) : XXXX XXXX XXXX  ( now J.P. Morgan Chase  ) XXXX XXXX XXXX Date : Thursday, XX/XX/year> ( XXXX business days ) Relevant Account Number : [ Your XXXX Chase account number, or last XXXX digits ] Detailed Explanation of the Problem : On Monday, XX/XX/year>, I deposited a large, legitimate settlement check for XXXX { XXXX { \ {$180000.00} } } at a Chase branch. The check was issued by my attorneys client trust account and drawn on XXXX XXXX XXXX 
Chase immediately placed an extended " Large Deposit Exception '' hold on the majority of the funds, with a scheduled release date of Thursday, XX/XX/year>. This constitutes a \bm { \mathbf { 6-business-day } } hold. 
Crucially, I have confirmed that Chase has already successfully completed its due diligence and verified the funds with both the attorney and the paying bank ( XXXX XXXX XXXX ). 
XXXX. My attorney has communicated to me that they cooperated fully with Chase and confirmed the check 's legitimacy and the available balance in their trust account. 
XXXX. Chase representatives have confirmed to me on [ Today 's Date, e.g., XX/XX/year> ] that the verification process with the issuing bank has been completed. 
Despite successful verification that the check is legitimate and the funds are collectible, Chase is maintaining the maximum extended hold until XX/XX/year>. 
Under Regulation CC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } ), while banks can place an exception hold for large deposits, the hold time must be " reasonable. '' Once the funds are positively verified and confirmed to be collected from the paying bank, the risk to J.P. Morgan Chase is effectively eliminated. Maintaining the hold for the full 6-business-day duration after positive verification is not a " reasonable '' or necessary business practice and is unduly restricting my access to my legitimate funds. 
The specific delay is causing significant financial hardship and is preventing me from meeting critical time-sensitive financial obligations. 
Requested Resolution : I request that J.P. Morgan Chase Bank, N.A. immediately release the full hold on the \bm { \mathbf { \ {$180000.00} } } deposit and make the funds available for withdrawal, given that all verification and due diligence have been successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
INQUIRIES : XXXX XXXX XX/XX/2025

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I got a Synchrony Car Care Credit card. On the back of the card customer service number says XXXX. When I get the agent he says, your call was misrouted, here is the number XXXX. He pass me along and I had to wait again for another agent to answer. When I ask that agent what is to number to call he give me the XXXX number. So I asked him why is the phone number different than on the credit card? He had no answer. Why can I not have a a credit card with the right number on it? I would like that so I don't have to wait longer to get an agent.

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 2025-10-16 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation