vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), kindly block and delete them within XXXX  days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EXPERIAN ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX WINTER HAVEN, FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
XX/XX/year> I am filing this complaint because Navy Federal Credit Union ( NFCU ) has placed a freeze on my account due to suspected fraud, and I urgently need access to my funds. When I attempted to log in, I discovered that I was locked out of my account with no prior notice or explanation. I contacted NFCU immediately and was told by a supervisor named XXXX that I would need to call back in the morning to speak with the specific department responsible for the freeze. 

This is unacceptable and has placed me in a financial crisis. I live in a state where there is no NFCU branch the closest one is in Nevada, which is not accessible to me. I was also told that it may take up to 15 days to file an appeal or resolve the issue. I can not wait that long. 

I have rent scheduled to be paid from this account, and if it's not processed in time, I face eviction and will be charged {$75.00} per day in late fees until the full amount is paid. I rely on these funds for housing and basic living needs. Navy Federal has not provided clear or timely information on why my account was frozen or what specific steps I can take to expedite the review. 

I am asking the CFPB to assist in escalating this matter so I can access my money immediately. This delay is causing unnecessary harm and financial hardship. Please help resolve this matter as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX BANK XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} Inquiries XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I am a victim of identity theft involving the unauthorized use of my personal and financial information. This fraudulent activity has resulted in the appearance of inaccurate and unauthorized information on my consumer report that is injuring me and depriving me of my right to contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> my Chime savings and checking account were closed. I have called and emailed both Chime customer service who informed me in most cases when an account is closed with funds they mail a check to the address on file but in my case they can not do that because their partner bank stride flagged a deposit in my account as not abiding by their policy and that all funds in my account will be returning to sender OR the state but no reason why. i am very confused and in disbelief i have not been giving any information but i can not receive my funds. My account had about XXXX in it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
b'The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX XXXX  The results are:  WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *BALANCE DATE *STATUS DATE.   If you have additional questions about this item please contact: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number    Date Reported  Date Assigned   Creditor Class   Client Name      Original Amount     XXXX XXXX XXXX  Cable/Cellular XXXX XXXX XXXX XXXX XXXX2 Status Date    Status Date of 1st Delinquency   Balance Date     Balance Amount     Last Payment Date     Whose Account   XXXX Unpaid XXXX XXXX XXXX  Individual Account      ADDITIONAL INFORMATION: Consumer Disputes This Account Information Collection Account'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
EQUIFAX is knowingly furnishing false and fraudulent information on my credit report. 
The following account is NOT my account and is a result of Identity theft. 

XXXX XXXXXXXX XXXX XXXX Acct # : XXXX Bal : {$0.00} An FTC report and ALL ID Information were provided to EQUIFAX validating the fraud. 
EQUIFAX removed the account, only to repost it after XXXX XXXX refiled it as a valid account. 

THIS ACCOUNT HAS ALREADY BEEN DELETED FROM BOTH XXXX AND XXXX 

EQUIFAX MUST DELETE THIS FRAUDULENT ACCOUNT IMMEDIATELY!! 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request their immediate blocking and deletion within XXXX days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below :  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request their immediate blocking and deletion within XXXX days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below :  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against multiple financial institutions and credit reporting agencies for gross inaccuracies and false information reported on my credit file. This includes several wrong addresses, inaccurate account details, and unauthorized or misrepresented debt accounts. These errors are serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and in some instances, the Fair Debt Collection Practices Act ( FDCPA ). 
These inaccuracies are negatively impacting my creditworthiness, have caused me mental and financial stress, and must be urgently addressed. 
XXXX. WRONG ADDRESSES REPORTED ( Violation of FCRA 1681e ( b ) - Reasonable Procedures to Assure Accuracy ) The following addresses are being falsely reported under my credit file. I have never resided at, received mail at, or had any financial relationship linked to these addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Violation : FCRA 1681e ( b ) Credit bureaus must maintain reasonable procedures to assure maximum possible accuracy of the information reported. These addresses are incorrect and must be removed. 
XXXX. XXXX XXXX XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX ) * * Date Opened : XX/XX/year> Balance : {$4000.00} Issue : This account is reporting inaccurately. I am disputing the balance and the current reporting status, which appears to be outdated or misleading. I have not received any valid validation or updated information from the creditor. 
Legal Violation : FCRA 1681i Failure to investigate disputed information FDCPA 809 ( 15 USC 1692g ) Failure to provide debt validation upon request 3. Additional Accounts to Be Included ( Please send the rest ) Please provide the other accounts ( e.g., SYNCB/Care Credit, Comenity/AlphaeonXXXX XXXX XXXX  XXXX , etc . ) so I can include them similarly, with balance, date opened ( if possible ), and their violations noted. 
REQUESTED RESOLUTION 1. Immediate deletion of all incorrect addresses from my credit report 2. Full investigation and deletion or correction of the XXXX XXXX account 3. Full audit of any other disputed accounts to be listed 4. Civil penalties and relief as appropriate for violations of FCRA and FDCPA 5. Written confirmation of the results of your investigation I am attaching proof of my actual address and identity with this complaint and respectfully request that this issue be investigated under the authority of the CFPB. 
Thank you for your attention to 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 2025-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX pm I received a email saying my account with Chime Bank was closed but no information in the email on why the account was closed. I went to check my banking app and was not able to access my account. I had a little over {$700.00} in a savings account, about {$60.00} in my checking account and {$50.00} in my credit builder account. I have been a member of chime back since XXXX of XXXX. I proceeded to call the customer service like with a wait time of 20 minutes I finally get a representative on the phone and she tells me my account was closed due to deposits being made that didn't align with member guidelines, which doesnt make any sense because the deposits that go to the account is from a legitimate job. Also she tells me she can not provide me with any information on where these deposits came from and that I may receive the remaining balance but when I asked how would I be receiving the remaining balance she claims she is not at liberty to tell me how then proceeded to hang up. Again I call back to try to speak to a supervisor that can help me solve my problem. After waiting another XXXX minutes for a representative she comes on the phone and recites the same script from the first. When I asked for a supervisor she respond and says there is no supervisor that I can speak to then hangs up as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 reporting several fraudulent items currently appearing on my Equifax credit file. These include an unauthorized inquiry, three incorrect addresses, a false account, and a missing employer entry. I did not authorize or initiate any of these records, and I believe my personal information has been misused without my consent. 

Unauthorized inquiry : XXXX XXXX XXXX Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX account : XXXX  Account # : XXXX Employer information is missing or incorrect : My correct employer is : XXXX XXXX XXXX I have never applied for credit with XXXX XXXX, never lived at the listed addresses, and have no connection to the XXXX account. My employment is also inaccurately reported. Under FCRA 605B, Equifax is required to remove fraudulent items from my file. 

I have attached the following documents : FTC Identity Theft Report Photo ID Proof of address SSN verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
am disputing inaccurate information that appears on my Experian credit report but does not match what is being reported by other credit reporting agencies ( such as XXXX and XXXX  ). Despite this clear inconsistency, Experian closed my dispute within 24 hours claiming the information was verified as accurate, without offering any explanation or documentation.

This response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable reinvestigation of disputed information and correction of any data that is inaccurate or can not be verified.

I am requesting the following : 1. A new, thorough reinvestigation of the disputed item 2. A correction or deletion of any inconsistent or unverifiable information 3. An explanation of how Experian verified the accuracy, including the name of the source 4. A statement of dispute added to my credit file until the matter is resolved I expect compliance within the 30-day time frame provided by the FCRA. If not resolved, I will submit a formal complaint to the CFPB and seek legal remedies.

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