vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I received a mailed notice for my credit card that effective the month of XXXX, my payment date would be " enhanced. '' Unfortunately, I can not understand how from the notice. Specifically, the sentence in question reads verbatim : " Your recurring payment date will change from the XXXX of the month to your statement payment due date on the XXXX of the month. '' What does that mean? What exactly is changing? Clearly, the firm is required to give notice of a change, but I can not fathom what it is. In short, the absence of clear and conspicuous language is inherently deceptive and misleading.

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 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an illegitimate debt collection attempt by RENTDEBT AUTOMATED COLLE for a debt that I do not owe. 
Timeline and Facts : Date debt first appeared : XX/XX/2024 Current status : Debt remains on credit report as of today Debt amount being collected : {$12000.00} Original balance reported on credit report : {$12000.00} Type of debt claimed : Broken lease debt Issues with Collection Attempt : I am not liable for this debt. This broken lease debt does not belong to me and I have no legal obligation to pay it. 
No contractual relationship exists between myself and RENTDEBT AUTOMATED COLLE. I have never entered into any agreement with this collection agency.

Failure to provide documentation. When I requested the original lease contract and supporting documentation to validate this debt, RENTDEBT AUTOMATED COLLE failed to provide any such documentation.

Continued collection efforts despite my dispute of the debt 's validity.

Requested Resolution : I am requesting that the CFPB contact RENTDEBT AUTOMATED COLLE on my behalf to : Cease all collection activities on this disputed debt Remove this debt from my credit reports with all three credit bureaus Provide written confirmation that I am not liable for this debt Confirm cessation of all collection efforts related to this matter Impact on Consumer : This fraudulent debt collection is negatively impacting my credit score and causing financial distress. The continued presence of this illegitimate debt on my credit report is affecting my ability to obtain credit and other financial services. 
Previous Actions Taken : Disputed the debt directly with the collection agency Requested original contract documentation ( which was not provided ) [ Add any other actions you've taken ] I respectfully request the CFPB 's assistance in resolving this matter promptly and ensuring that my consumer rights are protected under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX is continuing to inaccurately report a charged-off credit card account as if it is being newly charged off every single month, from XX/XX/XXXX through XX/XX/XXXX. This repeated use of the CO ( charge-off ) code is illegal re-aging, which violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ) and Metro 2 reporting standards. A charge-off is a one-time event that should be reported only in the month it occurred. By continuing to report it each month, XXXX  is falsely making it appear as though I have recent delinquencies, which I do not. 

This misinformation has severely impacted my credit profile. I have disputed this account multiple times over the past two years, including most recently with Experian. As of early XX/XX/XXXX, Experian completed another reinvestigation but allowed XXXX to reverify the account as-is still showing a fresh charge-off this month. This is now clearly an intentional pattern of noncompliance.

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 2025-08-06 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: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for willful and continued violations of the Fair Credit Reporting Act ( FCRA ) and for inaccurate reporting on my credit report, which has significantly impacted my creditworthiness and caused emotional and financial harm. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number ( truncated ) : XXXX Date Opened : XX/XX/XXXX Original Balance : {$3600.00} Current Balance Reporting : {$5700.00} Charge-Off Date : XX/XX/XXXX ( reported as of XX/XX/XXXXXXXX  ) Credit Bureau Reporting : XXXX  ( and possibly others ) Key Issues and FCRA Violations : Inaccurate Payment Reporting Post-Charge Off The account has been charged off since XX/XX/XXXX, with no payments made since XX/XX/XXXX. 
Despite this, XXXX continues to report new charge-off statuses monthly through XX/XX/XXXX. 
This misrepresents the status of the debt and violates the FCRAs requirement that information be accurate and not misleading.

Stale and Misleading Balance Reporting The reported balance of {$5700.00} has not changed in over 4 years, yet it continues to update as current.

The account should be reported with a static charge-off status, not as if it is actively delinquent month after month with no new activity. 
Inflated and Inconsistent High Balance The original credit limit was {$3600.00}, yet the highest balance is reported as {$5700.00}. 
There is no explanation for this excessive overage, which could be due to improper or excessive fees and interest charges not disclosed to me. 
Repetitive and Deceptive Status Updates Reporting CO ( Charge Off ) repeatedly for over 36 months after the initial charge-off is not only unnecessary, but also unfairly impacts my credit score by treating the debt as if it is worsening monthly. 
Failure to Validate Dispute I have disputed this account multiple times over the past few years and each time, it is marked verified without XXXX providing any documentation or validation of the debt. 
This constitutes failure to conduct a reasonable investigation, as required under FCRA 611 ( a ).

Thank you for your attention to this matter. I am available to provide any additional documentation or statements you may need.

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 2025-08-06 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: GA

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 XXXX XXXX XXXX. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am requesting the immediate removal of the following unauthorized inquiries resulting from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX  These were not authorized by me and violate my rights under : 15 USC 1681b ( c ) Furnishing credit reports without consumer authorization 15 USC 1681c2 Failure to block identity theft-related data within 4 business days 18 U.S.C. 1028A Aggravated identity theft I have already provided a valid FTC Identity Theft Report, government-issued ID, proof of address, and a copy of my Social Security card . Per the FCRA, these inquiries must be blocked and deleted, and I must receive an updated credit report reflecting the removal. 

If no corrective action is taken, I will escalate the matter to the CFPB, FTC, XXXX, and state attorneys general. I also reserve the right to seek legal remedies for damages caused by continued reporting of fraudulent information.

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 2025-08-06 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: MA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

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

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

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

Company 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 2025-08-06 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX  XXXX Balance {$640000.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Payment History : XX/XX/XXXX late XXXX days, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX late XXXX days, XXXX XXXX XXXX days, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX late XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX  XXXX Balance {$640000.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Payment History : XX/XX/XXXX late XXXX days, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX late XXXX days, XXXX XXXX XXXX days, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX late XXXX days

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 2025-08-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing under my rights afforded by the Fair Credit Reporting Act, specifically FCRA 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to reinvestigate and correct any inaccurate, incomplete, or unverifiable information on a credit file within 30 days of receiving a dispute. After reviewing my report, I found several entries that are either incorrect, outdated, unverifiable, or not mine. These items are hindering my financial progress and must be reviewed and corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXXXXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX XXXX  Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing under my rights afforded by the Fair Credit Reporting Act, specifically FCRA 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to reinvestigate and correct any inaccurate, incomplete, or unverifiable information on a credit file within 30 days of receiving a dispute. After reviewing my report, I found several entries that are either incorrect, outdated, unverifiable, or not mine. These items are hindering my financial progress and must be reviewed and corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXXXXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX XXXX  Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I contacted XXXX XXXX in writing about accounts listed on my credit file. I requested debt validation for both accounts under the Fair Credit Reporting Act 15 USC 1681g & 15 USC 1681 ( a ). I was given the run around. Once I called the company, the admitted they could not validate the debt or provide a contract bearing my signature. I contacted TransUnion explained the situation in detail. I was told to file an ID theft report with the police. The police informed my this not a good idea. So I did not. TransUnion did nothing.

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