vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} DP OF EDUC  XXXX Balance : {$560.00} DP OF EDUC XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon checking my credit report on experian, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting. This is a violation of the FCRA and is is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. Experian results from my last disputes came back as updated. Which is a violation because the continue to report inaccuracies.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I have been working with my neighbor and XXXX XXXX XXXX to get my phone switched over to my affordable connectivity plan since XX/XX/2023, and we were finally able to get the required information from XXXX to transfer my number. I checked all my accounts and had more than enough in my credit Karma account, so the transaction was done on the XXXX of XXXX. Furthermore, I keep getting e-mails saying they need more info again and come to find out Credit Karma is holding my money and will NOT release it until the XX/XX/XXXX. This is going to cause me loss of contact with the XXXX XXXX, my XXXX doctors, my specialty clinics and family and friends. It is my money, and they are treating it as if I asked for a loan and won't release it! This is what my account says at credit karma- XXXX XXXX XXXX XX/XX/XXXX Hold <<<<<<<< - {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hold <<<<<<<< - {$12.00} Posted XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$89.00} - {$15.00} XXXX XXXX XXXX XXXX  {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$85.00} - {$23.00} XXXX XXXX XXXX XXXX  {$100.00} {$43.00} XXXX XXXX XXXXXX/XX/XXXX {$65.00} - {$23.00} XXXX XXXX XXXX {$88.00} - {$20.00} XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$88.00} {$20.00} XXXX XXXX XXXX XXXX {$68.00} {$20.00} XXXX XXXX XX/XX/XXXX {$48.00} {$20.00} XXXX XXXX XXXX XXXX  {$28.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$33000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I tried to work with the company in XXXX, and they would not help me with the loan and told me I did not qualify for any programs. I told them that my hours had been cut at work and that I was late with payments and unable to make them. But there were still no options available to me. I have filed previous complaints about them not offering any assistance. 

I am not over 90 days or later and then am contacting and harassing my family at work and leaving several messages, which is inappropriate. I have asked them to contact me by email or letter and not to call or harass my family members at their jobs for my debt. This is predatory and terrible. I would like them to stop. I have never had anyone else attempt to do that when collecting a debt. I think contacting a person 's family members at their jobs is illegal. 

I have no way to make the payments, and I am currently trying to work with a settlement company to help deal with the situation, but navient will not work with me on the debt. But I would like them to leave my family alone and stop calling and leaving messages throughout the day. It is harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Goldman and Sachs is accepting my payments and not crediting my account so I can use the credit and additional funds I have sent to them. My payments WERE NOT RETURNED SO THEY ACCEPTED THEM. THE FIRST PAYMENT THEY REVERSED AND KEPT THE FUNDS. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : XXXX. XXXX XXXX XXXX - Open - XX/XX/2022 XXXX Credit Collection Services XXXX open - XX/XX/2022 * XXXX u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX CAPITAL ONE IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b  ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. XXXX has claimed they will not honor my direction to cease reporting and have referred to there alleged Privacy Policy giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
XXXX is trying to say I owe XXXX dollars which is false because I was on ACP program. XXXX was credited to my account plus XXXX a month. My bill was only XXXX a month. So XXXX is false

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. In XX/XX/XXXX, when I checked my credit score from my financial institution 's site, I noticed that my score went down XXXX points from XXXX to low XXXX. I reviewed my credit reports and learned that my personal information was used to open various accounts with XXXX and Discover. Based on the information that XXXX sent me, the accounts were opened using my name, SSN, birthdate, an old address from XXXX and a made-up email using my name and birthyear. I did not open nor authorize these credit card accounts and I contacted said companies to have them : 1. Close said accounts immediately. 
2. That XXXX and Discover absolve me of all charges on the accounts, and 3. That they take all appropriate steps to remove information about these accounts from my credit files. 

I filed a police report through the XXXX XXXX XXXX Department. I also filed an Identity Theft report through the Federal Trade Commission. I have contacted the companies where fraudulent accounts were created. I have also reported this to XXXX, XXXX and XXXX. 

I spoke to a Discover Card Fraud Department representative, " XXXX '', on XX/XX/XXXX. XXXX claimed that their initial investigation did not find that fraud occurred in this account because the phone number they said is associated with the account is a phone number linked to me based on public records. I have a different phone number than what they have on file. And I have been using this number since I started subscribing to XXXX from XX/XX/XXXX. I have received a letter from Discover dated XX/XX/XXXX which stated that I am responsible for the entire balance on the account and will begin receiving statements within 30 days. The representative gave me the name, address and phone number of the merchant involved in the fraudulent transaction. I contacted the XXXX XXXX XXXX Department and gave them this information to update the status of the fraudulent accounts. The Sheriffs Deputy who assisted me, XXXX XXXX, created a supplemental report and forwarded it to the XXXX XXXX Police Department for possible further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JP MORGAN CHASE AND COMPANY ACCEPTED MY PAYMENTS, KEPT THE FUNDS BUT DID NOT CREDIT MY ACCOUNT AND MAKE THE FUNDS AVAILABLE. 
Failure to honor, process and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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