vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: MD

Complaint narrative:
According to FCRA XXXX XXXX XXXX section XXXX says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agency Equifax, XXXX XXXX XXXX XXXX and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX, equifax XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to Equifax XXXX and XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. XXXX XXXX XXXX Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MD

Complaint narrative:
According to FCRA 15 usc 1681 section 602 says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agencXXXX XXXX XXXX XXXX XXXX  Experian and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. XXXX XXXX XXXX the financial institution and the consumer reporting agencies Experian, XXXX XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to XXXX Experian and XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. XXXX XXXX XXXX Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

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 2024-10-19 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:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account

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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I noticed multiple withdrawals transactions taking place yesterday evening ( XX/XX/year> ) since I receive banking notifications from my XXXX app. They kept taking {$100.00} out of my account and within minutes it all added up to $ XXXX stolen from my account. I immediately called XXXX and notified them of this fraud and had them file a claim on all these transactions. I just received notification that they denied all my claims on all the transactions and I tried calling their customer support just now to ask about why I was denied and to file more claims on this fraud. It is unacceptable to deny my claims in only a day of investigation and all the transactions taking place individually of a total of XXXX {$100.00} withdrawals in a place I dont even live ( fraud was committed in XXXX  and I reside and work in XXXX XXXX XXXX. It is after hours so I can not reach customer service but I will contact them about this immediately when I can. This is clear debit card fraud and I would appreciate reimbursement. I have my physical card still on me so it has never been lost or stolen. XXXX canceled my card and is sending me a new one after I called yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Report Item TrueAccord ( XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX  XXXX XXXX XXXX by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review.

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified.

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : XXXX, Experian, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

Sincerely, 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
Consumer complaint received 2024-10-19 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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.

UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
The information submitted to the credit agencies was incorrect. The information is unverifiable. I am requesting this to be removed my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
The company lied about the terms of the HELOC. I have screenshots of them telling that as long as I returned the payment on the HELOC immediately I wouldnt pay any interest on it. Despite confirming this, I double checked during the closing process to make sure the terms were as they were had agreed. No one replied to my email asking to confirm the terms until the evening before the closing ( suspiciously close to closing date ). I then had to cancel the HELOC because I was leaving the country for a few weeks. Better.coms deceptive ways cost me thousands of dollars. I went through an entire application process, wasted time, resources, credit reports were pulled, just for them to change the rules of the agreement the night before closing. Then they have the effrontery to offer me a gift card. This Company needs to pay for what the have done and other consumers should be aware of the tactics that this company uses to get consumers to use their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm contacting you because I have found some information that is inaccurate on my credit report.i don't believe these accounts were ever paid late as it is reported.i requesting that you verify the information and remove any inaccurate information from my credit report as quickly as possible and doing so please provide me a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just recently looked at my credit report XXXX I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XXXXXXXX XXXX This inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXhis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b 6. XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b

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 2024-10-19 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: SC

Complaint narrative:
Subject : Immediate Demand for Deletion and Suppression of Fraudulent Information Due to Identity Theft To Whom It May Concern, I am writing to demand the immediate deletion and suppression of fraudulent information currently present in my credit file. As a victim of identity theft, I did not authorize or make the charges associated with the items listed in the enclosed report. This false information is damaging my credit report, and I require that it be corrected without delay. 

I reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the FTCs Identity Theft Affidavit as supporting evidence. Despite this, it has been over 30 days, and your agency is now in VIOLATION of federal law for failing to take the necessary action to correct my credit file. 

As per 15 U.S. Code 1681c2, a consumer reporting agency must block the reporting of any fraudulent information in the file of a consumer, identified as resulting from identity theft, no later than four days after receiving notice. This legal requirement has been ignored, and I demand that the fraudulent items be deleted and suppressed immediately. 

Your agency 's failure to comply with this statute and take swift corrective action is unacceptable. I expect full compliance with federal law and that my credit report be accurately updated within the next few days. If you continue to ignore this request, I will not hesitate to seek legal recourse to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I anticipate a prompt response and resolution of this matter. Please confirm in writing once the requested deletions and suppressions have been completed.

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 2024-10-19 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 XXXX 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The amount that the debt collector says I own to them is {$950.00}. I have never taken out a loan with this company. They are spreading false information. I have sent multiple letters on my behalf to delete this false information before legal actions is taken and I have not seen a change in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I asked Capital One to remove a XX/XX/year> fradulent hard inquiry on my XXXX with over XXXX calls, and they could never fix this problem. 

The initial call to Capital One was on XX/XX/year> and Capital One told me they stoped the fradulent credit card application but it would take 60 days to remove from my credit report. We're now into late XX/XX/year> and Capital One is still looking into it, with no resolution in sight. 

I even contacted XXXX by phone and written letter several times but XXXX won't remove it because they need Capital One to inform them. 

It's been over 10 hours of wasted time and no progress on this, which is affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief