vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
" This complaint is in reference to Experian XXXX, which is a division of Experian Information Solutions. The rental tradeline reported by XXXX XXXX XXXX was removed from my Experian, XXXX, and XXXX credit reports, yet it is still showing on my Experian XXXX file, which is affecting my housing opportunities. I am requesting a full investigation and removal of this item, as it was already deleted from the major credit bureaus and is inaccurate. '' I am disputing a rental collection account reported by XXXX XXXX XXXX ( XXXX ) that was previously removed from all three major credit bureaus ( Experian, XXXX, and XXXX ). Despite the deletion, the same account is still being reported through Experian XXXX, which is used for tenant screening purposes. 
This entry is causing damage to my rental applications and housing opportunities. I submitted a formal dispute directly to Experian XXXX, providing proof that the account no longer exists on my credit report. However, I have received no confirmation or resolution, and the account continues to appear in their system. 
This reporting is misleading and unfair under the Fair Credit Reporting Act ( FCRA ), which ensures that all reported information must be accurate and verifiable. 
I am requesting that the Consumer Financial Protection Bureau assist in : -Investigating why this deleted account is still being reported -Ensuring the account is fully removed from my Experian XXXX file -Preventing further harm to my ability to obtain housing

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 2025-04-10 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Multiple inquiries have been made to pull my credit to open accounts I did not authorize. Inquiries listed on all 3 credit bureaus are from companies such as : XXXX XXXX 's XXXX TD Bank USA/ Target Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Multiple inquiries have been made to pull my credit to open accounts I did not authorize. Inquiries listed on all 3 credit bureaus are from companies such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mariner Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I requested to close a credit card account because I was charged an annual fee that I did not want to continue paying. I contacted the company several times, was given the run around, and was given a non working phone number to help resolve my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : FRAUDULENT ACCOUNTS & UNAUTHORIZED INQUIRIES REQUEST FOR IMMEDIATE DELETION UNDER FCRA 609 & 605B To Whom It May Concern, I am writing to formally dispute several inaccurate and unauthorized items appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit file. 
In or around XX/XX/year>, while applying for a mortgage to purchase my first home, I became aware of multiple fraudulent accounts and unauthorized credit inquiries reported across all three major credit bureaus under my name, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. 
These accounts were not opened by me and represent clear cases of identity theft : Fraudulent Accounts : XXXX XX/XX/XXXX( Account # : XXXX ) Status : Open Reporting Bureaus : XXXX XXXX XXXX, Equifax XXXX : {$32.00} | High Credit : {$540.00} XX/XX/XXXX( Account # : XXXX ) Status : Open Reporting Bureaus : XXXX, XXXX, Equifax High Credit : {$840.00} XX/XX/XXXX( Account # : XXXX ) Status : Derogatory Reporting Bureaus : XXXX, XXXX Balance : {$10000.00} | Past Due : {$10000.00} Applicable Law : Under 15 U.S. Code 1681c-2 ( Section 605B ), you are required to block and remove any information resulting from identity theft within 4 business days of receiving appropriate proof. 
Enclosed you will find : A copy of my government-issued ID A copy of a recent utility bill showing my current address A signed FTC Identity Theft Affidavit A police report or written statement regarding the identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a large amount in my personal checking account. And it was hit almost immediately by a transaction from money lion for XXXX. I immediately called them to ask what happened and they cooperated in the beginning. Someone from XXXX XXXX used my account to wire money out using theyre XXXX XXXX checking and a company called XXXX XXXX Im still trying to get the remaining XXXX $ but everytime I call its the same thing, they put me on hold then say theyre trust and safety team isnt available, but theyll call me before the day ends and they never do. Now theyre saying they sent the money to my account but the account was closed to which I ask, how was the XXXX able to be sent. And how do I use my card everyday if the account is closed. Im completely running out of options and patience please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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:
Data Breach at Equifax, TransUnion, and Experian credit bureaus XXXX. I did not authorize any transactions between XXXX. I did not authorize any new accounts. I did not authorize any applications for school loans. I did not authorize any car loans, title loans, or personal loans during the years of XXXX. Please remove all breached, incorrect unlawful, and negative data from all reports to credit bureau during said years. Sec 15 Code 1691 does not allow thos unlawful treatment of any of its consumers.

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 2025-04-10 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:
Data Breach at Equifax, TransUnion, and Experian credit bureaus XXXX. I did not authorize any transactions between XXXX. I did not authorize any new accounts. I did not authorize any applications for school loans. I did not authorize any car loans, title loans, or personal loans during the years of XXXX. Please remove all breached, incorrect unlawful, and negative data from all reports to credit bureau during said years. Sec 15 Code 1691 does not allow thos unlawful treatment of any of its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH YOUR COMPANY I DIDNT GIVE CONSENT TO USE THIS ACCOUNT/ESTATE : XXXX XXXX XXXX IN COMMERCE AFFIANT : XXXX : XXXX. XXXX DEFENDANT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIM RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ALLEGED ORIGINAL XXXX ACCOUNT XXXX XXXX XXXX ALLEGED DEBT AMOUNT OR BALANCE XXXX 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XXXX XXXX XXXX STOP VIOLATING THE FDCPA USC 1692D EXHIBIT -A HJR 1933 : EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW FEDERAL LAW. EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. 
CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. ABRUPTLY, .XXXX XXXX XXXX. Living Woman UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF ESTATE : XXXX XXXX XXXX NOT THE TRUSTEE NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Advantage Credit, Inc.
State: TX

Complaint narrative:
I noticed that these companies were listed in my inquiries and I do not authorize my credit to hard pulled from them. 
XXXX XXXX XXXX XXXX AdvantageCredit Inc XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
I noticed that these companies were listed in my inquiries and I do not authorize my credit to hard pulled from them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX XXXX - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$810.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES 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