vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: DE

Complaint narrative:
I dispute the {$5600.00} charge-off on my XXXX XXXX XXXX report XXXX Report # XXXX ). The XX/XX/year> reinvestigation didnt reflect the set-aside default judgment in Case # XXXX, where I filed a counterclaim on XX/XX/year>, for FDCPA/FCRA/TDCA violations due to Galaxy International Purchasing ( GIP ) s failure to validate the debt despite my XX/XX/year>, certified mail request ( tracking # [ insert from receipt ] ). XXXX responded on XX/XX/year>, but provided no adequate validation ( e.g., no contract or payment history ). The account shows a {$0.00} balance, and I request correction or removal pending the XX/XX/year>, trial. I previously disputed this with all bureaus on XX/XX/year>, with no resolution

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 2025-06-24 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:
I am submitting this formal complaint to report repeated violations of the Fair Credit Reporting Act ( FCRA ), FACTA, and my rights under federal consumer protection laws by the following credit reporting agencies : Equifax, Experian, and TransUnion.

I have submitted three dispute notifications to these bureaus regarding unauthorized inquiries and inaccurate, unverified credit score reductions. Rather than investigate and correct these issues as required by 15 U.S. Code 1681i, these agencies have engaged in what is clearly retaliatory practices, with my credit score dropping over XXXX within 45 days of my initial disputes. The score was reduced from XXXX to XXXX with no legitimate explanation or investigation, I have no darogatory accounts nor unpaid debt all my accounts are in good standing. 
Hard Inquiries in Dispute Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Further, I was not provided with any details on how my credit score was calculated, nor any substantiation for the derogatory remarks or inquiries that followed my exercise of legal rights. This lack of response directly violates 15 U.S. Code 1681g and 1681i, as well as provisions under the FTC Act prohibiting unfair and deceptive acts or practices.

Attached to this complaint are copies of the formal letters sent 
to each bureau, as well as my Identity Theft Affidavit, government-issued ID, and proof of address. I respectfully request that the FTC investigate these matters for willful noncompliance and consider appropriate enforcement action under 15 U.S. Code 1681n and 1681o.

Thank you for your attention to this matter. I can be reached by phone or email if further documentation or statements are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : ACCEPTANCE NOW - Account Number : 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 Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$7500.00}

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 2025-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Company Name : Cross Country Mortgage Loan Type : XXXX Home Loan Date of Application : XX/XX/year> Property Address : XXXX XXXX XXXX OH What Happened : I am a veteran and recently completed the VA XXXX XXXX XXXX through [ Lender ]. Throughout the process, I encountered repeated delays, miscommunication, and non-compliance with VA lending guidelines all of which significantly impacted my closing timeline and experience. 

Misinformation about VA XXXX The lender misapplied XXXX XXXXXXXX XXXX regarding student loans in forbearance, resulting in my loan being initially denied. I had to research and present the correct VA guideline myself to reverse their decision. 

XXXX XXXX XXXX The lender claimed I had opened multiple new credit accounts and taken cash advances during the loan process. In reality, the referenced accounts ( such as XXXX and XXXX ) were fully paid off prior to my application. I received no formal warning, explanation, or chance to clarify the information only post-delay justifications. 

Lack of Transparency and XXXX XXXX I was never officially informed that closing had occurred I had to follow up myself. A revised Closing Disclosure ( with changes to disbursement and cash-to-close ) was issued after closing and not proactively communicated. 

Unprofessional Conduct Instead of taking responsibility for the mishandling, the lender blamed the title company and my finances, despite documentation showing that I was transparent and cooperative at all stages. 

This experience created unnecessary emotional stress, disrupted my timeline, and showed a lack of care for both compliance and the veteran homebuyer process. I am requesting this behavior be reviewed and documented

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX 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 : {$440.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/year>, Balance : {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) 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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXXcount Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ONEMAIN Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date XXXX 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 explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX I reached out to Best Buy /Citibank credit services regarding a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX explained that its a protection plan that I enrolled verbally or electronically. It was expressed to XXXX XXXX that this enrollment was NEVER made. I was also told that this was established in XX/XX/XXXX. Proof of enrollment was requested but could not be provided as she did NOT have the proof. XXXX XXXX advised that she would put a refund request in and a decision will be made within 30 days. PLEASE HELP!!!! I did not authorize a credit life insurance fee.

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 2025-06-24 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX  XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX Date : XX/XX/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 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
b'Subject: Formal Complaint  Obstruction, Predatory Retention Tactics, and Psychological Pressure by Bank of America\n\nTo Whom It May Concern:\n\nI am filing this complaint to document Bank of Americas use of intentionally obstructive and predatory tactics to prevent customers from closing their accountsspecifically their XXXX  Savings accounts.\n\nOn June 24, 2025, I attempted to close my savings account. I was placed on hold for over 45 minutes the first time I attempted. When I finally reached an agent, she attempted to transfer me without my consent after I asked a simple question about their account closure policy. I said No, but she transferred me anywaydropping me into a dead hold loop with no music, no response, and no way to return to the main menu. This was a deliberate attempt to shut down the conversation and avoid closure.\n\nWhile on hold, I was forced to listen to a repeating marketing script over and over again, promoting Bank of America products. This is not passive background music. Its nonstop audio upselling, and its aggressively loudeven when the call volume is turned all the way down. These messages still come through, hijacking the users space and time.\n\nThis has real-world consequences:\n\nMost customers are calling from work.\nHaving an involuntary, high-volume Bank of America marketing stream playing through your phone puts your job at riskespecially if youre in a shared or public space.\nIts designed to frustrate and corner you until you hang up out of fear or exhaustion.\n\nThis is not a service errorits a manipulative system design built to increase account retention by wearing customers down psychologically.\n\nFurther: Bank of America provides no email address or open written channel for account-related concerns or closures. The only written channela so-called secure message systemis not accessible to all users. This is a deliberate strategy to limit accountability, avoid paper trails, and deny customers an equal method of communication.\n\nIm documenting this experience with:\n\nThe Consumer Financial Protection Bureau (CFPB)\nThe XXXX  Attorney Generals Office\nThe XXXX XXXX XXXX XXXX\n\nAnd I will share it publicly to help other customers recognize these tactics for what they are.\n\nIm requesting a formal investigation into this retention system and a forced account closure without further obstruction.\n\nSincerely,\n\XXXX  XXXX\nXXXX 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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I will give brief description as I can not fit all the information in one box, I can provide more details if I can speak to someone. On XX/XX/XXXX I was scammed by XXXX XXXX XXXX. I purchased a car for {$2600.00} .on XX/XX/XXXX I was able to come pick up the car, 2 days later ( XX/XX/year> ) after purchasing car the car started to overheat so I tried to take it back to get a refund however he made me wait until XX/XX/XXXX to bring it up to him.he told me the car needed to bleed and that it just happens which that should never just happen so I knew something was off about that. He also made claims he had his own mechanic inspect and replace any parts thats need replacing which he stated was only the thermostat. He also apparently made sure the engine was working as it should however The dealer lied to me about the condition of the car and didnt tell me that if I bought this car I would need to replace the engine due to blown head gasket and a faulty thermostat that he claim he placed in there but didnt know it was faulty. He gave me a fake receipt for it afterwards. When I had my mechanic take a look at it he told me that he must have added XXXX XXXX or something to seal the head gasket which will help keep the car running for a few days sometimes weeks but emani never told me about any of that he told me nothing was wrong with the car and the engine was at 100 %. This was my first car and he was aware of this so he took advantage of that opportunity to scam me and sell me a bad car that really shouldve been junked or sold at a much lower price. I was finally able to get it inspected on XX/XX/year> and the diagnostics told me the car has a blown head gasket, found coolant mixed with oil and also found internal fault engine meaning the engine wasnt even put together properly. I am currently seeking legal action so solve this issue but it will take alot of time to receive my money back so I am hoping I can dispute the charge in the meantime. I also had to make extra repairs such as replacing thermostat, replacing water pump, and radiator which in total including labor was {$540.00}. The receipt I sent in attached files for the thermostat purchased came from XXXX XXXX XXXX. The guy XXXX handed it to me however I believe this receipt is fake. I can provide more information if need be.

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