vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: OH

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Accounts Reporting on My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and validity of the following accounts currently appearing on my Equifax credit report : XXXX. XXXXXXXX XXXX  XXXX : {$1100.00} XXXX. XXXX XXXX XXXX XXXX : {$960.00} XXXX. XXXXXXXX XXXX XXXXXXXX : {$20000.00} I have reason to believe that these accounts are being inaccurately reported and should not be included in my credit file. These entries are either unverifiable, improperly furnished, or lack the legal basis for continued reporting. Therefore, I am demanding that all three accounts be permanently deleted from my Equifax credit report. 

Applicable FCRA Consumer Law Violations : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Continuing to report accounts that are inaccurate, unverified, or misleading violates this statutory obligation. 
31 U.S.C. 5118 : Protects consumers from being held accountable for debts that were not lawfully created or are lacking proper documentation. If there is no original contract or legal proof of obligation, these debts can not lawfully remain on my credit file.

Formal Requests : Conduct a reinvestigation into each of the three accounts listed above. 
Permanently delete these accounts if they can not be verified with complete and lawful documentation. 
Block these accounts from future reinsertion unless verified per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the results of your reinvestigation and the action taken.

These accounts are negatively impacting my credit profile and financial standing. If Equifax fails to respond appropriately within the 30-day time frame mandated by the FCRA, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will consider legal action under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance. 
Thank you for your immediate attention to this matter. I look forward to receiving your written response. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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 is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
BELK HAD A CHARITY EVENT FROM XXXX. I OVERHEARD THE CASHIER ASSISTING ANOTHER CUSTOMER-NEVER INFORMING ME OF THE EVENT, SO I ASKED ABOUT THE DETAILS & PURCHASED A XXXX TICKET TO PARTICIPATE IN THE SAVINGS. I SPENT OVER XXXX AT THE EVENT & PAID OFF MY BELK CARD AS I MADE PURCHASES ON XXXX INCLUDE A XXXX XXXX  XXXX XXXX. WHICH I ASKED THE CASHIER TO PLACE IT ON MY WRIST AFTER PURCHASE-WHICH SHE DID & BROKE THE CLASP-THIS WAS THE XXXX ISSUE XXXX CAUSED-I WAS FORCED TO RETURN THE BRACELET ON XXXX, THURS-MY XXXX TIME IN BELK UNNECESSARILY ( THE MGR STATED CASHIERS ARE NOT SUPPOSED TO REMOVE TAGS AND PLACE JEWELRY ON CUSTOMERS ) -SHE ORDERED A NEW XXXX AND IT ARRIVED AT MY HOME XXXX, ALSO WAS TOLD THE CLOTHES HAD TO STAY INSTORE UNTIL XXXX FOR PICKUP. ON FRI, AFTER PICKING UP MY PRIOR PURCHASES, I SPENT MORE MONEY W/O TRYING ON XXXX VENDOR THAT RUNS BIG, I WAS FORCED TO RETURN SOME ITEMS ON XX/XX/XXXX. I WENT TO XXXX AGAIN IN XXXX XXXX DO THE RETURN & CALLED A MGR. WHO ASSISTED & PLACED OVER XXXX ON MY DEBIT XXXX & CLOSE TO XXXX REMAINDER ON A GIFT CARD ( WHICH WAS BAD SINCE I XXXX XXXX XXXX XXXX AND XXXX OFF THE CARD IN FULL IN STORE THE SAME DAY ) -THE MGR STATED I COULD GET CASH FOR THE GIFT CC, BUT I WAS GOING TO PURCHASE SOME JEWELRY-SO THE MGR WALKED OFF-I DIDNT FIND ANYTHING & XXXX INVITED ME TO A EFIE JEWELRY EVENT ON XX/XX/XXXX XXXX STATED I CAN USE THE GIFT CC THEN-AFTER LEAVING BELK ( I PARKED OUTSIDE OF XXXX ) -WALKING THE MALL AND RETURNING TO XXXX TO LEAVE THE MALL, I DECIDED USE THE XXXX GIFT CARD-I DIDNT & DO NOT WISH TO RETURN TO BELK & WILL BE CANCELING " MY CC, SO, I PICKED OUT CLOTHING, WENT TO CHECK OUT & WAS EMBARRASSED AS XXXX VOIDED THE INITAL TRANSACTION AND ONLY PUT XXXX ON THE GIFTCARD. AS A RESULT THE CASHIER RAN OFF RUDELY TO GET HER, I WENT BACK TO XXXX 'S REGISTER WHERE SHE APOLOGIZED FOR THE TROUBLE & RAN OFF AS WELL-LEAVING ME TO AFTER A XXXX ISSUE, GET RID OF THE GIFTCARD-THE CLERK REACHED FOR A HUG, AND SNATCHED MY EARRING W/HER SHIRT.IT COST XXXX AND WAS CUSTOM MADE FOR MY NONPROFIT-I SPENT 5 DAYS TOTAL IN BELK OVER XXXX AND I NEED TO BE COMPENSATED FOR THE EARRINGS.

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 2025-06-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX Date XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CARVANT FINANCIAL LLC
State: GA

Complaint narrative:
This car loan company Carvant keeps harassing me and my family calling, emailing and texting multiple times a day back to back non stop. They have sent out nasty personal unprofessional texts as well over being late XXXX days at the most with a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
My consumer right has been violated by the bureau by reporting informations that I do not know nothing about which violated FCRA laws I am sending this notice to the parties involved to remove the following collections as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer right has been violated by the bureau by reporting informations that I do not know nothing about which violated FCRA laws I am sending this notice to the parties involved to remove the following collections as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-14 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: CT

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. 

XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I asked for the charge off to be removed due to hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I asked for the charge off to be removed due to hurting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practice, which violates the Customer 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 Fraud Act ( EFTA ) and regulations E. These actions has called significant inconvenience financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I have challenged the debt on my credit profile stating that it isn't mine and i have called the main creditor several times to identify the debt but no proper response has been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TN

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX  to dispute false items on my credit report. These include credit cards and hard inquiries that were made before I even turned XXXX. Despite submitting disputes and requesting an investigation, none of the credit bureaus has taken appropriate action or completed a proper investigation into these inaccurate items. I have also gone to pay some of these unknown credit companies. These are messing with my life, that have just started. I wasn't of age to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-06-14 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX re-reported a collection to Experian that was already deleted. The original creditor was XXXX XXXX XXXX XXXX This new agency ( XXXX XXXX  XXXX ) is now reporting it as a new account opened on XX/XX/scrub> 2025, with a balance of {$340.00} updated as of XXXX XXXX 2025.

This is a reinsertion of an old debt, and I was not given written notice as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Additionally, the dates make it appear as though the debt is new, which is form of re-aging.

I am requesting an investigation and that this account be permanently removed from my credit report. Ive also contacted Experian and requested deletion through their dispute 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 explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX re-reported a collection to XXXX  that was already deleted. The original creditor was XXXX XXXX XXXX XXXX This new agency ( XXXXXXXX XXXX  XXXX ) is now reporting it as a new account opened on XX/XX/scrub>, 2025, with a balance of {$340.00} updated as of XX/XX/year>2025.

This is a reinsertion of an old debt, and I was not given written notice as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Additionally, the dates make it appear as though the debt is new, which is form of re-aging.

I am requesting an investigation and that this account be permanently removed from my credit report. Ive also contacted XXXX  and requested deletion through their dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 )XXXX XXXX  has a debt on my credit report do not owe and have failed to properly validate. Despite my request for debt validation, they have continued to attempt collection without providing the required documentation, such as proof of the original creditor, a signed agreement, or an itemized breakdown of the alleged debt. 

Additionally, their conduct has resulted in denials from other creditors. 

I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX ceases all collection activity until they can legally validate the debt. I also request that any inaccurate information reported to the credit bureaus be removed immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief