vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I am disputing the accuracy and validity of the following items being reported on my credit file. These accounts and inquiries contain incomplete, inconsistent, or unverifiable information and must be deleted under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$380.00} XXXX XXXX  Balance {$580.00} Date Opened : XX/XX/XXXXXXXX  Date Reported : XX/XX/XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$640.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXX/XX/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 2025-10-01 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: SC

Complaint narrative:
I am disputing the accuracy and validity of the following items being reported on my credit file. These accounts and inquiries contain incomplete, inconsistent, or unverifiable information and must be deleted under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$380.00} XXXX XXXX  Balance {$580.00} Date Opened : XX/XX/XXXXXXXX  Date Reported : XX/XX/XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$640.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-01 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: WA

Complaint narrative:
While reviewing my TransUnion, Experian and Equifax credit report, I discovered an inaccuracy in the reporting of my XXXX XXXX XXXX account that does not accurately reflect my verified payment history. The account, which shows a balance of {$34000.00}, was opened on XX/XX/XXXX, with last activity on XX/XX/XXXX. However, TransUnions report inaccurately lists multiple 30-day late payments allegedly occurring in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This reporting is inconsistent with my records and misrepresents the true standing of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
While reviewing my TransUnion, Experian and Equifax credit report, I discovered an inaccuracy in the reporting of my XXXX XXXX XXXX account that does not accurately reflect my verified payment history. The account, which shows a balance of {$34000.00}, was opened on XX/XX/XXXX, with last activity on XX/XX/XXXX. However, TransUnions report inaccurately lists multiple 30-day late payments allegedly occurring in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This reporting is inconsistent with my records and misrepresents the true standing of my account.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am formally demanding the immediate deletion of XXXX XXXX loan # XXXX from all consumer reporting agencies. Despite repeated disputes, supporting documentation, and clear evidence of inaccuracies, this account continues to be reported, including new interest and delinquency updates applied while the account was under active dispute. Every monthly report further lowers my credit scoreincluding a measurable XXXX loss in my mortgage scorecausing ongoing, quantifiable harm. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ), furnishing unverified, inaccurate, or contradictory information during an active dispute is unlawful. The continued reporting of this unverified account exposes both XXXX and the reporting agencies to regulatory and legal liability, including : Regulatory enforcement : The documented updates of discretionary interest and delinquency during an active dispute are precisely the types of violations regulators examine. Any delay in deletion increases the likelihood of enforcement action. 

Civil liability : Continued reporting of unverified information while disputing constitutes willful noncompliance, supporting claims for statutory damages, actual damages, and attorneys fees. 

Material harm : Each subsequent report causes further financial harm, directly impacting my ability to obtain credit and affecting my mortgage and financial stability. 

Because this account can not be substantiated and continues to cause harm, there is no lawful basis for continued reporting. Immediate deletion is the only legally compliant action. Any delay or continued reporting will be documented and escalated in administrative, regulatory, and legal proceedings. 

This matter requires urgent attention and action today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XX/XX/year> - Lincoln Automotive Financial Services ( Lincoln AFS, a subsidiary of Ford Motor Company Credit ) received a credit report dispute and request for correction or deletion of incorrect and inaccurate information. This was evidenced by a screenshot of my account with them, as reported to each of the three credit reporting agencies, with the discrepancies highlighted. Proof of delivery via UPS tracking # XXXX, shipped to and received by its registered agent, XXXX XXXX XXXX XXXX, in XXXX, Delaware. 

After 30 days from their receipt of this document passed, with no reply from them, I sent a second request via UPS tracking # XXXX, giving them 10 days from the receipt of this 2nd communication from me to delete this account from my credit reports. The same registered agent received this 2nd communication on XX/XX/year> and, as of today, XX/XX/year>, no reply has been sent by them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am submitting this 3rd follow up complaint regarding inaccurate reporting and unauthorized inquiries appearing on my credit report. These errors have caused substantial harm to my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) .Inaccurate Account Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account is reported twice, creating duplication and an unfair negative impact on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off, Balance Owed : {$0.00XXXX XXXX XXXX  This account is still showing as a charge-off despite having a {$0.00} balance, which is misleading and inaccurate. 
Inaccurate Collections Reporting XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ( new collection ) XXXX XXXX These collection accounts contain discrepancies across credit bureaus. Some show balances when they should not, others list new collections without proper validation, and XXXX collection ( CREDIT COLL ) is reporting with a {$0.00} balance but remains classified as open/active, which is inaccurate. 
Unauthorized Credit Inquiries The following inquiries appear on my credit report and were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries violate my rights and contribute to an unfair decrease in my credit score. FCRA Violations FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy of reported information. FCRA 611, 15 U.S.C. 1681i : Grants me the right to dispute inaccurate information and obligates agencies to investigate and correct errors. FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know, or should know, is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am submitting this 3rd follow up complaint regarding inaccurate reporting and unauthorized inquiries appearing on my credit report. These errors have caused substantial harm to my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) .Inaccurate Account Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account is reported twice, creating duplication and an unfair negative impact on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off, Balance Owed : {$0.00XXXX XXXX XXXX  This account is still showing as a charge-off despite having a {$0.00} balance, which is misleading and inaccurate. 
Inaccurate Collections Reporting XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ( new collection ) XXXX XXXX These collection accounts contain discrepancies across credit bureaus. Some show balances when they should not, others list new collections without proper validation, and XXXX collection ( CREDIT COLL ) is reporting with a {$0.00} balance but remains classified as open/active, which is inaccurate. 
Unauthorized Credit Inquiries The following inquiries appear on my credit report and were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries violate my rights and contribute to an unfair decrease in my credit score. FCRA Violations FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy of reported information. FCRA 611, 15 U.S.C. 1681i : Grants me the right to dispute inaccurate information and obligates agencies to investigate and correct errors. FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know, or should know, is inaccurate.

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 2025-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
My account was suspended. The request for information is not possible due to recent hospitalization. I can not get drivers license renewed because the cards are deactivated. My direct deposit was credited but funds held waiting for reply my email. You can not get any customer service on the phone. Emails and chats are vague with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-10-01 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I am victim of ongoing identity theft. I have noticed a fraudulent Credence RM collection acct # XXXXXXXX XXXX XXXX XXXX. Please remove the fraudulent and erroneous account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: HI

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have disputed this Synchrony Bank / Amazon PLCC account XXXX separate times. Each time, the company has only sent me monthly billing statements. These do not constitute validation or proof that I legally owe the debt. 

I specifically requested : A copy of the original signed contract or electronic signature log, A full accounting from {$0.00} to the charged-off balance, Documentation of any insurance or charge-off claims, and Proof of Synchronys legal standing or assignment rights. 

Synchrony has failed to provide any of this information, yet continues to report the account as a charged-off balance on my credit reports. This is incomplete, inaccurate, and unverifiable reporting under the FCRA.

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 2025-10-01 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: TX

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$59.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance {$0.00} - XXXX  XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This collection account is inaccurate and should be removed. It has already been deleted from both XXXX XXXX XXXX after their investigations. Please verify with the original creditor and remove this account from my Experian report to ensure accuracy and consistency across all credit bureaus. Account 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