vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further harm. 
Accounts to Block and Delete XXXX. XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Bankruptcy Reference Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX Bankruptcy Reference Number : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further harm. 
Accounts to Block and Delete 1. XXXX XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} 2. XXXX  XXXX Bankruptcy Reference Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Bankruptcy Reference Number : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$58.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$790.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$950.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00}

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 2024-12-05 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: UT

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, according to 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that 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 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 2024-12-05 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: UT

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, according to 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that 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 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 2024-12-05 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: VA

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 2024-12-05 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
Fraudulent Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm having an ongoing issue with declined transactions despite making my payments on time, keeping my balance well below my credit limit and numerous communications with Sears/Citibank customer service . There have been random stoppages on the use of my credit card citing potential fraud. This has occurred on XXXX XXXX XXXX XXXX These account only for the times that I have received a text about a potential fraud. There have been other instances where I've received no communication and have had to contact Sears/Citibank . My phone log includes contact with Sears on XXXX XXXX XXXXXX/XX/XXXX ( 5 calls ), XX/XX/XXXX ( 4 calls ) XX/XX/XXXX and XXXX ( twice ) .The automated system makes it cumbersome to reach a live person. Once a customer service representative is reached they are pleasant but ineffective at resolving the issues. The last communication with the fraud department included assurances that extra steps would be put in place to ensure disruptions to the use of the card primarily by my wife, who is an authorized user, would be minimized. I've explained several times that my wife is a traveling nurse and will use the card for daily living expenses outside the area of our primary residence. However, since then my wife on her return home attempted to use the credit card at XXXX in XXXX, XXXX  which was declined. At a gas station, again declined, XXXX declined. During this time I have checked my texts, voicemail and have not received any notifications. On XXXX after speaking with XXXX in the fraud department she explained that there was a charge of XXXX on XX/XX/XXXX that needed to be confirmed. I explained I had reached out to Citibank and confirmed the charge on that date. She acknowledge that there was record of that but that Citibank called me again on XX/XX/XXXX to confirm the same charge but they were unable to reach me. She wasnt sure why I needed to confirm the same charge twice.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a latter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland credit management is reporting this account on my credit report to XXXX and XXXX XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX Fcra 605 c running of the period states that companies are not allowed to re-age the date of last activity on the account in order to keep the account reporting Further there is only one furnisher yet the information is reporting vastly different This is an inconsistent reporting the fcra requires maximum possible accurxcy Because this account is listed as a a charge off they must adhere to fcra guidelines I haven't sent several letters to both the credit bureaus and Midland credit management directly All proof is attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: AZ

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within 15 days. Relevant documents are included for your review and reference.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-05 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 writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these entries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft have the right to have fraudulent information removed from their credit reports. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Fraudulent Inquiry : XXXX. XXXXXXXX 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 2024-12-05 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: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My sister has been XXXX  with XXXX XXXX ( XXXX  ) for five weeks, and signed a Power of Attorney giving me authority to make decisions on her behalf. She also created a trust for her assets ( all managed by an estate lawyer, and notarized ). She has multiple savings, checking, and investment accounts at Wells Fargo. 

I went into the XXXX XXXX branch of Wells Fargo today and met with XXXX XXXX XXXX, an Assistant Vice President, giving her copies of the trust documents and the POA. She informed me that my POA was invalid because I gave her a copy rather than the original, reflecting a lack of familiarity with the eFile act. She further said that the POA, assuming I provided the original, would have no value beyond giving me access to the accounts, which I already have, and that my sister would need to come into the bank if she wanted to place her accounts into the trust. 

This is not feasible. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was shocked and disappointed by her attitude, not to mention her ignorance of the fairly straightforward legal principles in play here.

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 2024-12-05 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some inquires I did not make nor did I give anyone or approve to pull my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : Balance {$630.00} Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX Account Number : XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Closed. {$10000.00} written off. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Paid, Closed. 
Date Opened : XX/XX/XXXX I'm aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2024-12-05 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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