vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself XXXX XXXX last four Social Security number is XXXX, DOB XX/XX/XXXX. Please delete the following accounts. 






XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 2025-05-22 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: 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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604A 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 16816-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX # XXXX, XX/XX/year> XXXX  XXXX OF XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 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: MI

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My Mazda XXXX was declared a total loss in the XX/XX/year> XXXX XXXX XXXX In early XXXX, I called Mazda Financial Services and was told by their representative that my account showed a credit and was fully resolved. I relied on that statement and received no follow-up letters, bills, or past-due notices. Mazda later claimed they sent mailbut nothing was sent with tracking or confirmation, and I never received it. 

In XX/XX/year>, I discovered a XXXX day delinquency on my credit report with a {$510.00} past-due balance. My credit score dropped XXXX points. This was the first time I became aware of the issue. I immediately contacted Mazda, and on XX/XX/XXXX, I paid the balance in full. On XX/XX/year>, XXXX issued a formal letter confirming my account had a {$0.00} balance and was resolved. 

I then submitted a formal dispute to Mazda requesting they update the credit bureaus. Instead, on XX/XX/year>, they sent me a letter stating that the information was correct and they would not update it. These XXXX statements completely contradict each other. The {$510.00} balance is resolved and confirmed by their own documents. 

I acted in good faith. I was told the account was closed, was never notified of a balance, and resolved it the moment I found out. This negative reporting is a result of Mazdas own internal miscommunicationnot consumer negligenceand occurred under extenuating circumstances tied to a declared natural disaster. 

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), given Mazdas refusal to correct information despite having issued contradictory written statements. I have experienced measurable financial harm due to this inaccuracy, including a significant drop in my credit score. I have retained all supporting documentation and request that this negative tradeline be fully deletednot simply updated to paidand that the correction be reflected across all major credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NH XXXX XXXX ( XXXX ) XXXX Bank : Citizens Bank XXXX XXXX XXXX XXXX, PA XXXX Case ID with Bank : XXXX Account Involved : Checking Account Ending in XXXX To Whom It May Concern, I am filing a formal complaint against Citizens Bank for mishandling a direct deposit into a closed account, in clear violation of their own Personal Deposit Account Agreement ( PDAA ) and written closure notice. 

Timeline of Events : On XX/XX/XXXX, I received a letter from Citizens Bank informing me that my accounts ending in XXXX and XXXX were closed, and that all account activity must cease immediately, including deposits and withdrawals. 

Despite this, a direct deposit of {$2900.00} was posted to the closed account on XX/XX/XXXX, XXXX days after the closure notice. 

The bank then officially closed the account on XX/XX/XXXX, XXXX day after allowing the deposit to go through. 

I was mailed a check for only {$1300.00}, meaning {$1600.00} was deducted or withheld from the deposit without a clear explanation or authorization. 

Why This Is a Violation : Citizens Banks own PDAA ( pages XXXX, enclosed ) states : Once an account is closed, we may refuse to accept deposits or process transactions. 

It also states : No additional deposits or withdrawals should be made once the account is closed. 

The banks actions directly contradict this policy. They : Accepted a deposit into an account they had already ordered closed. 

Processed debits from that deposit without my knowledge or consent. 

Returned only a partial amount, with no clear explanation or breakdown of the withheld funds. 

Despite my outreach and reference to Case ID XXXX, I have not received satisfactory answers, documentation, or the remaining funds. 

Request for Action : I am requesting the CFPB to : Investigate Citizens Bank for mishandling and withholding funds from a closed account ; Require them to return the full remaining balance of {$1600.00}, unless they can prove any deductions were pre-authorized, documented, and made before the account closure notice ; Ensure they adhere to their own written agreements and do not allow transactions on closed accounts moving forward. 

I have attached the following supporting documents : Account closure letter ( dated XX/XX/XXXX ) Digital response from Citizens ( dated XX/XX/XXXX ) Bank statement showing the {$2900.00} deposit XXXX ( pages XXXX ) Thank you for your attention to this matter. I appreciate your support in holding financial institutions accountable to protect consumers. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint as a second attempt to request proper debt validation from Jefferson Capital Systems for an account they are reporting to XXXX  ( Account ending in XXXX, amount {$510.00} ). Despite my initial written request, they have not provided validation documents as required by the Fair Debt Collection Practices Act ( FDCPA ). 

The account appears to be inaccurately reported, with a " last activity '' date of XX/XX/XXXX but an " opened '' date of XX/XX/XXXX, suggesting possible re-aging of the debt, which may violate the Fair Credit Reporting Act ( FCRA ). 

I have requested proof of debt, identification of the original creditor, a breakdown of the amount owed, proof of licensing in Florida, and a cease in all phone communications. These requests have gone unanswered. 

I am asking the CFPB to help enforce my rights under the FDCPA and FCRA, ensure proper validation or removal of the account, and stop any further harmful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NV

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$22000.00} Inquiries XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX Date : 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 2025-05-22 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: FL

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: PR

Complaint narrative:
I have submitted multiple disputes to Experian since XXXX regarding inaccurate, outdated, and unverifiable information on my credit report. Experian has failed to properly investigate or correct these errors. The issues include : Missing hard inquiries : My report states no hard inquiries exist, despite confirmed credit applications since XX/XX/XXXX. This is either suppression or a failure to report, and I request a complete inquiry history and removal of unauthorized ones. 

Inaccurate late payment reporting : Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX show late payments or derogatory marks without valid proof or creditor documentation. 

Duplicate accounts : XXXX accounts from Dept. of Ed / XXXX are reported with identical balances and statuses, unjustly inflating my debt profile. 

Incorrect credit utilization : Reported usage is 287 %, which is mathematically impossible based on the reported limits and balances. This results in an inaccurately lowered FICO score. 

XXXX account in forbearance : This account is improperly affecting my credit score, despite being protected under the CARES Act. 

I sent a formal dispute letter dated XX/XX/XXXX, demanding correction and verification under the Fair Credit Reporting Act ( FCRA ). Experian has not complied or provided sufficient documentation. I now turn to the CFPB for intervention.

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 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a loan for {$1700.00}. They were charging me {$320.00} a month and when I realized it had been 6 months and this payment should be done I stopped payment and then they started blowing up my phone saying I have to pay this until XX/XX/XXXX. Which is well over a year from when I took the loan out in XXXX of XXXX. That would total around {$5400.00}. About triple what my loan is. This feels incredibly shady and this high interest rate was never made clear and feels very unfair and shady. 

I asked for the contract and they gave me my payment information, but not the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX CO XXXX XXXX XX/XX/year> XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX DatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX CO XXXX XXXX XX/XX/year> XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX DatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief