vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
I am submitting this complaint against Real Time Resolutions , Inc. ( RTR ) regarding foreclosure threats and enforcement on a second-lien HELOC that is time-barred under Michigan law. XXXX Loan : XXXX XXXX XXXX, loan/account ending XXXX, secured by my home in XXXX XXXX XXXX Michigan. 
Last payment/default : The last payment was on or about XX/XX/XXXX, and the account has been in long-term default. 
RTR communications : From approximately XXXX through XXXX, RTR sent monthly billing-style statements showing balances, due dates, and remittance/payment instructions ( samples attached ). 
Foreclosure : Foreclosure activity proceeded and culminated in a XXXX sheriffs sale ( attached documentation ). 
Counsel letter : On or about XX/XX/XXXX, RTRs foreclosure counsel sent a default/breach/foreclosure-related letter. I do not currently have a copy, and I request XXXX provide it and identify all foreclosure/collection communications sent to me. 

The CFPB issued an advisory opinion on XX/XX/XXXX explaining that debt collectors may violate the FDCPA and Regulation F by suing or threatening to sue, including through foreclosure, to collect time-barred mortgage debt ( zombie mortgages ). RTRs communications and foreclosure enforcement are consistent with that conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I am disputing multiple accounts currently appearing on my credit report that are completely unknown to me. I have never opened, authorized, or managed these accounts, nor was I aware of their existence until reviewing my credit report. The reporting of these accounts under my name is unacceptable, as it presents inaccurate and misleading information regarding my financial history. This situation has caused significant concern, as I take my credit profile seriously and expect it to reflect only legitimate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: TN

Complaint narrative:
I opened a Chime account that was promoting {$350.00} upon eligible direct deposits over 3 months when XXXX direct deposits were made. The company refuses to pay fo the portion i signed up to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Gift card keeps declining and cant buy anything with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AR

Complaint narrative:
I am submitting this complaint to formally dispute several items on my credit report that inaccurately reflect late payments which do not align with my actual payment history. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( CRA 611 ), which entitles me to dispute inaccurate or incomplete information, as well as 15 U.S.C. 1666 and 1666a regarding the correction of billing errors and restrictions on creditors while a dispute is pending, and FCRA 623 ( a ) ( 2 ) and 623 ( b ), which impose a duty on furnishers to conduct a reasonable investigation and correct inaccurate reporting. The accounts at issue include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$15000.00} and reported XXXX late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$7800.00} and reported XXXX late payments for XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$9800.00} and reported XXXX late payments for XXXX and XX/XX/XXXX and XXXX, XXXX, XXXX, and XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$530.00} and inaccurately reported as XXXX days late. Each of these accounts reflects responsible management and payments made according to the agreed-upon terms, and the reporting of late payments is misleading, materially inaccurate, and damaging to my credit profile. Under the FCRA, both the consumer reporting agency and the furnishers have a legal obligation to ensure the maximum possible accuracy of the information reported, and despite this obligation, these errors continue to appear on my credit report, necessitating CFPB intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
I am submitting this complaint as my third formal follow-up dispute regarding multiple inaccurate, misleading, and unverifiable items that continue to appear on my Equifax, Experian, and TransUnion credit reports. Despite my prior dispute, these accounts and inquiries remain and continue to negatively impact my credit profile, financial standing, and ability to obtain credit fairly. This letter is not a request for correction or reinvestigation ; it is a formal demand for immediate and permanent removal of all disputed items. 
My XXXX of XXXX accounts, including XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX and XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are reported with a balance of {$20000.00} across all three bureaus ( XXXX XXXX, and TU ). These accounts are charged-off without the issuance of a 1099-C for debts exceeding {$600.00}, which is a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Reporting these accounts as charged-off in this manner is materially inaccurate and misleading and violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which governs the duties of furnishers to provide accurate information, and 15 U.S.C. 605B / 1681c-2, which governs reporting of discharged debts. Continued reporting of these accounts without removal constitutes a violation of federal law and is causing ongoing harm to my creditworthiness. 
Additionally, multiple unauthorized hard inquiries remain on my reports. These include 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 on Experian XXXX XXXX XXXX XXXX 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 Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion. None of these inquiries were authorized by me, and their continued reporting violates FCRA 604 ( a ), 604 ( f ), and 619 ( 15 U.S.C. 1681b, 1681q ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am submitting this complaint as my third formal follow-up dispute regarding multiple inaccurate, misleading, and unverifiable items that continue to appear on my Equifax, Experian, and TransUnion credit reports. Despite my prior dispute, these accounts and inquiries remain and continue to negatively impact my credit profile, financial standing, and ability to obtain credit fairly. This letter is not a request for correction or reinvestigation ; it is a formal demand for immediate and permanent removal of all disputed items. 
My XXXX of XXXX accounts, including XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX and XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are reported with a balance of {$20000.00} across all three bureaus ( XXXX XXXX, and TU ). These accounts are charged-off without the issuance of a 1099-C for debts exceeding {$600.00}, which is a violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Reporting these accounts as charged-off in this manner is materially inaccurate and misleading and violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which governs the duties of furnishers to provide accurate information, and 15 U.S.C. 605B / 1681c-2, which governs reporting of discharged debts. Continued reporting of these accounts without removal constitutes a violation of federal law and is causing ongoing harm to my creditworthiness. 
Additionally, multiple unauthorized hard inquiries remain on my reports. These include 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 on Experian XXXX XXXX XXXX XXXX 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 Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion. None of these inquiries were authorized by me, and their continued reporting violates FCRA 604 ( a ), 604 ( f ), and 619 ( 15 U.S.C. 1681b, 1681q ).

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 2025-12-24 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: VA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : Heres the cleaned-up combined list for this batch with just the creditor/account info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 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: PR

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has XXXX business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me.

And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

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 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Ive made on time payments as part of the Public Service Loan Forgiveness for over XXXX years. My loans have been in limbo due the the XXXX program and I have XXXX remaining payments I have been unable to complete due to the courts injunction. 

I filed a reconsideration/buyback request on XX/XX/year>. Ive checked status before and after the XXXX business days they say it can take to process. The only answer I can get is that Ive filed everything correctly but its waiting for someone to look at this. 

This is a ridiculous amount of time for my loans to remain on my credit report when Ive been an upstanding payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
Applied in XXXX for XXXX. XXXX was left in review and never processed fully by serviced. I asked would the time frame from XXXX through XXXX count towards qualifying payments. Was told to submit a new application in XXXX. Due to servicer leaving the application in review and unprocessed I lost 4 years of qualifying payments toward forgiveness. Also I was told that loans were forgiven after 20 years. I am entering year XXXX since I first took out student loans. No forgiveness has taken place on my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
XXXX'Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation