vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-15 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: CO

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This letter serves as my formal dispute and demand for immediate deletion of several unauthorized hard inquiries currently appearing on my Experian consumer credit report. 

I am disputing these inquiries pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681c, 1681g, and 1681i.

FACTS I did NOT receive approval, credit, funding, or any extension of credit from the following entities. As such, these inquiries lack a permissible purpose and must be deleted immediately XXXX XXXX XXXX XXXX Inquiry dated XX/XX/year> XXXX / XXXX XXXX XXXX XXXX dated XX/XX/year> XXXX XXXX XXXX / XXXX XXXX dated XX/XX/year> XXXX Inquiry dated XX/XX/year> XXXX  XXXX XXXX Inquiry dated XX/XX/year> Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only report inquiries that were made for a clear, lawful, and documented permissible purpose. No such purpose exists when no approval, contract, or credit relationship was established.

LEGAL VIOLATIONS Your continued reporting of these inquiries constitutes : Willful noncompliance under 15 U.S.C. 1681n Negligent noncompliance under 15 U.S.C. 1681o Failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) Failure to provide full disclosure of the method of verification under 15 U.S.C. 1681g

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries appearing on my Experian credit report. I did not provide written permission, verbal authorization, or any other form of permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). 
The following inquiries are being reported inaccurately and must be investigated and removed : XXXX XXXX / XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX / XXXX / XXXX XX/XX/year> XXXX / XXXX / XXXX XX/XX/year>

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
What happened : EdFinancial Services is reporting late payments for XXXX and XX/XX/year> on my federal student loan. Since XX/XX/year>, all required payments have been made on time and the account is currently paid as agreed. The reported delinquency appears to be the result of servicer processing or administrative issues during repayment. I disputed this inaccurate credit reporting, but EdFinancial failed to correct or remove the late payment history. I am requesting a full investigation and correction or deletion of the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Closed card without concent after paying balance in full also a wealth of points forfeited but not by concent also card issuer forcing principal plus interest payment as all my card companies have and the sum of all charges shall be the interest charge not plus principal I explained I was not paying those amounts willingly or voluntarily but under duress and threat of damage reputation credit etc. also no late payments are permitted on report ever due to late payments of any kind are also reporting transactions and those are not permitted. Report per FCRA,, Citi Card has deceived stole and extorted from me!

See 18 USC 8 and 12 USC 411 demand for lawful money

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 2025-12-15 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: IL

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a notification XX/XX/year> from XXXX that a company named XXXX ( truist ) had pulled my credit report from XXXX among XXXX other banks, XXXX XXXX and XXXX XXXX  I called all three and XXXX XXXX and XXXX XXXX was extremely helpful by shutting down the accounts and assuring me that no money was issued. XXXX on the other hand has been reluctant to give me much more than a case ID number with no instructions other than to make sure I keep it. I have no idea if XXXX issued the scammer a installment loan. I asked what method was used ( email or phone number ) they used to confirm identity since the fake account neither had my correct name or phone number. They wouldn't answer that question either. I have also emailed them with no response given.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On or about XX/XX/year>, account holder XXXX XXXX went to the XXXXXXXX XXXX XXXXXXXX in Florida to withdraw his weekly {$100.00}. The machine noted a dispense error and to try again. He did a " quick {$100.00} '' and the machine finally dispersed {$100.00}. On or about XX/XX/year>, PNC bank debited the account another {$100.00} stating XXXX received {$200.00} and not {$100.00}. On XX/XX/year>, PNC bank called and spoke to XXXX XXXX stating that they did not do enough research because there was an error and only {$100.00} was dispensed. The PNC representative stated the machine as for how he wanted his money in denomination, and XXXX XXXX entered XXXX {$20.00}, however this did not happen as the machine does not ask the denomination question. We ask that the CFPB intervene for us as we are now out the {$100.00} and they refused to provide provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
Since XXXX, my roommate and I have sent several communications via mail and email in response to this company about collecting a debt. We have provided proof of documentation ( well over XXXX pages ) that we were approved to be released from our lease early and that our residence was inhabitable since the beginning of us moving it. I have also asked this collection company to mail me documents of how I owe this debt, which I have yet to receive. They have harassed my roommate at the time for an entire year and now they are harassing me. My last communication to them was on XX/XX/XXXX disputing the claim and asking for proof and they have emailed me again as of XX/XX/XXXX without sending documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I am formally disputing the above-referenced account currently being reported by Synchrony Bank ( SYNCB / XXXX ). The account contains material inaccuracies, incorrect dates, and improper payment history reporting that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 
Disputed Issues : Incorrect and inconsistent payment history Days past due fields not aligning with alleged late payments Incorrect or unverifiable Date of First Delinquency ( DOFD ) Incomplete and misleading XXXX XXXX reporting Applicable Law & Standards : 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on inaccurate furnishing 15 U.S.C. 1681i Reinvestigation requirements FCRA 603 Accuracy and completeness XXXX XXXX Reporting Guidelines Logical consistency and antire-aging standards If the furnisher can not provide competent documentary evidence validating the accuracy and logical consistency of all XXXX XXXX data fields, this account must be deleted in its entirety.

Please complete your reinvestigation within 30 days and provide written confirmation of the results,

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 2025-12-15 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: PA

Complaint narrative:
I AM UNBLE TO ACCESS MY CREDIT REPORT OR FILE. IM UNABLE TO DISPUTE MY INFORMATION. I MAIL IN DOCUMENTS THE COMPANY ALSO STATES THEY DO NOT RECEIVE THE DOCUMENTS.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a formal written dispute to Equifax on XX/XX/XXXX regarding inaccurate post-bankruptcy reporting of a XXXXXXXX XXXX account that was included in my XXXX XXXX XXXX filed XX/XX/XXXX and XXXX XX/XX/XXXX. 

The dispute was sent via certified mail and I have proof of delivery. Despite the expiration of the XXXX investigation period required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have received no written response or investigation results.

Equifax continues to report the account inaccurately as open and/or charged-off, while another credit bureau reports it correctly as closed with a XXXX balance and included in bankruptcy. 

I am requesting immediate deletion or correction of this tradeline and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
This letter serves as a formal dispute of inaccurate and unverifiable late payment information currently appearing on my Equifax consumer credit file. After reviewing my report, I have identified multiple accounts that are being reported with late payment history that are not supported by verifiable documentation, in violation of the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Each of the above accounts is reported as open, current, and with no past-due balance, yet Equifax continues to report late payment history that is inconsistent and not properly verified. Furthermore, the reporting of these accounts differs across consumer reporting agencies, indicating a failure to ensure maximum possible accuracy as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am disputing the following accounts, inquiries, and late payment notations being reported by Experian. Several of these items contain conflicting balances, duplicate reporting, inconsistent account statuses, and a lack of proper verification. Under the FCRA, Experian is required to ensure that all reported information is accurate, complete, and verifiable. 

CHARGED-OFF / COLLECTION ACCOUNTS ( EX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts show inconsistencies in balances, duplicate reporting with original creditors, and incomplete verification. 

INQUIRIES ( 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 I do not recognize or authorize these inquiries and request proof of permissible purpose. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payment notations are inaccurate and not supported by consistent payment history.

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 2025-12-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is furnishing identity theft accounts documented in FTC Identity Theft Reports # XXXX and # XXXX. 

In a letter dated XX/XX/2025, American Express admitted it could not provide documentation or verification, yet continued furnishing the accounts. 

This violates FCRA 623 ( a ) ( 6 ), 605B ( c ), and 623 ( a ) ( 3 ).

I request deletion and enforcement action.

Company response to consumer: Closed with explanation