vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please delete the following : XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX Balance {$110.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX/XXXX  XXXX XXXX {$0.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$420.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX  XXXX Balance {$750.00} XXXX  XXXX  XXXX Balance {$1300.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX  XXXX Balance {$780.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX Balance {$520.00} XXXX XXXX  Original XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX  Original XXXX XXXX XXXX  XXXX Balance {$1400.00} XXXX  XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$500.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A XXXX Balance {$600.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX Balance {$460.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Balance {$1300.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX A XXXX Balance {$720.00} XXXX-XXXX  XXXX  XXXX  XXXX Balance {$750.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for falsely reporting a late payment on my student loan, which has resulted in a XXXX drop in my credit score. This inaccurate and damaging report is both misleading and in violation of federal consumer protection laws. 

I have attached a screenshot from my student loan servicer ( XXXX ) that clearly shows : My account is currently in forbearance. 
No payment is due at this time. 
My first payment is not scheduled until XX/XX/year>. 

Despite this, Experian has reported that I am late on my student loan paymentsa claim that is patently false. This misreporting is harming my creditworthiness and financial opportunities, and I consider it a gross misrepresentation of my financial status. 

Given that my account is in good standing and no payment is required until later this year, I respectfully request that your office investigate Experian for this false report and take immediate action to : XXXX. Remove the inaccurate late payment from my credit report. 
XXXX. Restore the XXXX drop in my credit score caused by this reporting error.

3. Ensure compliance from Experian with federal laws governing accurate credit reporting. 

This situation has caused undue stress and financial harm, and I expect timely resolution. 

XXXX from XXXX student loan portal ( showing forbearance and next payment due date )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for falsely reporting a late payment on my student loan, which has resulted in a XXXX drop in my credit score. This inaccurate and damaging report is both misleading and in violation of federal consumer protection laws. 

I have attached a screenshot from my student loan servicer ( XXXX ) that clearly shows : My account is currently in forbearance. 
No payment is due at this time. 
My first payment is not scheduled until XX/XX/year>. 

Despite this, Experian has reported that I am late on my student loan paymentsa claim that is patently false. This misreporting is harming my creditworthiness and financial opportunities, and I consider it a gross misrepresentation of my financial status. 

Given that my account is in good standing and no payment is required until later this year, I respectfully request that your office investigate Experian for this false report and take immediate action to : XXXX. Remove the inaccurate late payment from my credit report. 
XXXX. Restore the XXXX drop in my credit score caused by this reporting error.

3. Ensure compliance from Experian with federal laws governing accurate credit reporting. 

This situation has caused undue stress and financial harm, and I expect timely resolution. 

XXXX from XXXX student loan portal ( showing forbearance and next payment due date )

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 2025-04-09 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: WA

Complaint narrative:
I disputed an inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report ( EXPERIAN ). They responded that the account was " verified '' but did not provide any Method of Verification as required under FCRA s 611 ( a ) ( 7 ).

I then sent a written request for the Method of Verification, and they have failed to provide adequate proof or respond within the required time frame. If they can not verify the account with documented evidence, they are legally required to remove it under Fair Credit Reporting Act. 

Additionally, this account was previously Equifax report after a dispute, yet EXPERIAN continues to report it without proper validation. This inconsistency raises concerns about EXPERIAN compliance with FRCA accuracy standards ( s 623 )

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2025-04-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Of Inaccurate Late Payment Reporting - Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subjet : Request for inacurete late payments base on FCRA specifically 15 USC 1681.

I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXUponThorough Review, I Have Identified Discrepancies In The Reporting, And It Appears That There May Be A Violation Of The Fair Credit Reporting Act ( Fcra ) As Outlined In 15 U.S.C. 1681. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms. 
*Reference To PAANL ( Paid As Agreed, Never Late ) : * The Terms Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never Late '' ( Paanl ) Based On The Timely Payments Made. It Is Imperative That My Credit Report Accurately Represents My Financial Responsibility And Commitment To Meeting Payment Obligations.!XXXX 
I Hereby Request That You Provide Documented Proof Supporting The Claim Of Late Payments On These Accounts, In Accordance With 15 U.S.C. 1681i Of The Fcra. This Proof Should Include Specific Details Such As Dates, Amounts, And Any Relevant Communication Indicating That The Payments Were Indeed Late. In The Absence Of Valid Proof, I Expect The Credit Reporting To Be Rectified Promptly.

If, After A Thorough Investigation, You Are Unable To Provide Verifiable Proof Of Late Payments, I Demand That The Accounts Be Promptly Updated To Reflect Their Accurate Status As " Paid As Agreed, Never Late. '' According To 15 U.S.C. 1681s-2 ( A ) ( 1 ) Of The Fcra, Creditors And Credit Reporting Agencies Are Required To Report Information Accurately And Completely. Additionally, I Remind You That You Must Conduct A Timely Investigation And Provide A Written Response Within 30 Days From The Receipt Of This Dispute Letter, As Required By 15 U.S.C. 1681i ( A ) ( 1 ). Failure To Adhere To This Timeline Will Be Considered A Violation Of 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 non-monetary relief
Consumer complaint received 2025-04-09 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have derogatory marks to my credit report that are lowering my credit significantly and I dont know who they are from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX XXXX Balance {$760.00} XXXX XXXXXXXX Balance {$1500.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$110.00} Original Creditor : XXXX XXXX XXXX Balance {$3700.00} BANK/NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BIG STAR XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX XXXX Balance {$760.00} XXXX XXXXXXXX Balance {$1500.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$110.00} Original Creditor : XXXX XXXX XXXX Balance {$3700.00} BANK/NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BIG STAR XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-09 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: OH

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-09 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:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MS

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 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 2025-04-09 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: IL

Complaint narrative:
This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 explanation