vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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:
I am writing to request the immediate blocking and deletion of certain accounts on my credit report. I am a victim of identity theft resulting from a data breach, and the accounts listed below are unauthorized. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these entries from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX  - XXXX - XXXX XXXX {$580.00} XXXX XXXX XXXX - XXXX - XXXX - {$540.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$550.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00}

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 non-monetary relief
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts on my credit report. I am a victim of identity theft resulting from a data breach, and the accounts listed below are unauthorized. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these entries from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$580.00} XXXX XXXX XXXX - XXXX - XXXX - {$540.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$550.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: NC

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts on my credit report. I am a victim of identity theft resulting from a data breach, and the accounts listed below are unauthorized. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these entries from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX {$580.00} XXXX XXXX XXXX - XXXX - XXXX - {$540.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$550.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00}

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 non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a copy of my credit report and American Express is an account listed. The account is fraud, and I immediately did a police report on XX/XX/year>. I then requested the third-party interloper collection agency XXXX that American Express hired to frequently collect the debt to validate the debt, and they failed to do so. I have requested on several occasions for American Express to stop contacting me by mail or email they have failed to abide by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
company used predatory practices such as gaining my personal information and reported a corporate credit card to my personal credit report. no such account belongs to me personally

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 2024-11-03 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zimmerman & Zimmerman, P.A.
State: KS

Complaint narrative:
I received a letter stating a judgment was taken against me way back on XX/XX/XXXX. Yes, the year XXXX. By now this should have fallen off my credit report, but it's still there. The letter says the debt is between me and XXXX XXXX XXXX XXXX. 

Other than their statement that I owe the debt, no other supporting documents have been provided. I don't know what this debt is even from. I disputed it via XXXX XXXX in XXXX, and was told the debt had been validated. How was it validated? I have never seen anything proving that I owe these people {$630.00}. 

Today this letter came again and I am at the point where I don't know what to do. I don't want to restart the clock on the statute of limitations, and I don't think by disputing it the clock should automatically reset. It's been XXXX  YEARS. How can they continue to wreck my credit and go after this debt when I have never gotten any proof that I owe it? I want it off my credit report and I want the letters to stop. Please help me. 

Thanks, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-03 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-03 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-11-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Noticed the open credit card from Citibank on my credit report that I did not sign up for

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 2024-11-03 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: NJ

Complaint narrative:
I disputed the accounts on my credit report several times and attached the latest dispute letter with identity theft affidavit. I need the following accounts deleted. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Also, delete all of these inquiries ASAP. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 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: OH

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed on Trans Union which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A complaint has bren file with the FTC also.

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 2024-11-03 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to ensure these items are removed to prevent further fraudulent use of my information. 
Accounts to be Deleted : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$290.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6600.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$690.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$7300.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$7300.00} Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am requesting that these unauthorized inquiries be removed from my credit 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 2024-11-03 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX- Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name 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 2024-11-03 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: NC

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or mail in a fraudulent account. 
I demand to use verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the amount listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of re-investigation. 

Thank you, 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 2024-11-03 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: CL Holdings LLC
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalid, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 %. accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code1681i ( 5 ). these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15U.S.C. & 1681 ( 7 ) Method of verification and description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must made 100 % accurate listed in my dispute letters attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MI

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. 


Please delete XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 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: GA

Complaint narrative:
I am writing to formally address the inaccurate information you are reporting on my credit report regarding the alleged debt associated with my account. This letter serves as a true bill and a demand for validation of this account under penalty of perjury, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following documentation : A complete accounting for this account. 
A copy of the assignment of purchase from the original creditor. 
A detailed breakdown of every charge, including what was purchased, fees, payments, and interest credited. 
An explanation of how you calculated the amount you claim I owe. 
A full chain of assignments from charge-off to the present. 
Proof that you own the debt, including clear title. 
Evidence of your involvement in the original contract. 
It is essential to note that under FDCPA 809 ( b ), a debt collector is required to validate the debt upon request. A third-party debt collector can not assert an interest in an alleged debt without proper validation. Failure to provide this validation constitutes a violation of my rights under the FDCPA.

Furthermore, 15 U.S.C. 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. If you verify inaccurate information with credit bureaus without providing the requested documentation, you may be liable for damages under this statute, including potential penalties for negligent or willful non-compliance. 

If you are unable to provide sufficient proof for the items listed above, you must delete this account from all three credit reports immediately. 

Be advised that I have retained an attorney who specializes in lawsuits against debt collectors, and they will be on standby for further action if necessary. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2024-11-04 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following account that you must remove is listed below : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$390.00}

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 non-monetary relief