vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc.
State: TN

Complaint narrative:
I called to get a new card on XX/XX/XXXX because of unauthorized transactions and they sent me the card with the wrong last name on it after I had waited over a week to get it. Then I called them to get them to send me the one with the correct name and I was told by that employee that the XXXX dollars for the card replacement would be waived because it was their mess up. I still havent received the new card and I did not have a virtual card on the app and my physical card will not work that has the wrong last name on it. so I had to call today and they said that a new card hadnt even been ordered so whoever I spoke to before did not do their job properly and I still got charged another XXXX dollars on top of the XXXX for the wrong name card and when I said something today about it, they said that I was getting charged the XXXX dollars regardless even though it was their employees XXXX up. so I need my money back and I need people to start doing their job or be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
XXXX and XXXX was opened back on XX/XX/XXXX. company asked for the most WEIRED thin I've ever heard. i have already provided all the information needed and still never send me any replacements or refund. Why you keep asking to resend my ID while i have already done that PLUS everything is notarized. Contact the police department or notarization company if you want, THIS IS NOT MY JOB AT THE FIRST PLACE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened and inquiries were made without my consent or authorization. 
As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$770.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2400.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I pulled my credit report and realize there was some fraudulent activity, I would like the account remove.

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 2024-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report and realize there was some fraudulent activity, I would like the account remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Background : In XX/XX/XXXX, a debt was alleged to be attributed to my name. Despite the passage of four years without any validation request from the collector, the account was reported to XXXX. 

Timeline : XX/XX/XXXX : Alleged debt associated with my name and reported to credit bureaus without prior validation by the collector. 
XXXX : After discovering the account, I formally requested validation of the debt from the collector. 
XX/XX/XXXX : The collector responded to my validation request, and upon thorough review, I have determined that this debt is not mine. 
Disputed Debt Validity : Upon reviewing the information provided by the collector, several discrepancies arose regarding the validity of this alleged debt : Address Associations : The collector cited charges related to two addresses : XXXX XXXX XXXX, which I do not recognize or associate with in any way. 
XXXX XXXX XXXX, a property I did not occupy in XXXX. According to public records, this property was sold in XX/XX/XXXX, confirming that I was not the resident during the service period referenced. 
Inconsistent Financial Records : The initial statement dated XX/XX/XXXX, indicated a balance of {$800.00} with an adjustment of - {$460.00}, leading to a past-due balance of {$330.00}. However, the justification for these figures remains unsubstantiated. 
A charge of {$100.00} appeared to be reduced to {$89.00}, excluding charges related to XXXX XXXX XXXX ; this charge lacks any supporting documentation or calculations to validate the adjustments. 
The subsequent statement dated XX/XX/XXXX, further adjusted the amount, reducing {$89.00} by - {$69.00}, resulting in an approximate balance of - {$10.00}. This inconsistent change raises questions about the legitimacy of these adjustments. 
Additional Concerns : The date of referral for this debt was XX/XX/XXXX, XXXX XXXX years prior to credit reporting. This timeframe is problematic as it suggests potential irregularities in the collection process. 
The amount referred was {$370.00}, yet without an itemized breakdown that justifies the previous balance of {$330.00}. Furthermore, {$93.00} also appears in the records without validation. 
The alleged date of service, XX/XX/XXXX, is suspiciously inconsistent with the sale date of the property on XX/XX/XXXX, coupled with the earlier listing of the property for sale, indicating that there was no active occupancy or services rendered during this time. 

Conclusion : Given the lack of supporting documentation, discrepancies in financial records, and unclear associations with the cited addresses, I firmly dispute the validity of this debt. The collector has failed to provide satisfying and substantiated evidence to tie any debt to me. I will continue to monitor the situation and seek avenues to rectify my credit report based on this falsified debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, we were the victims of a scam that took money from our Wells Fargo checking account in the amount of {$7900.00} and a {$2500.00} cash advance on our Wells Fargo Active Cash credit card. We immediately reported it to Wells Fargo via phone. After that, we received correspondence via mail and email saying that each event has been closed. 

Since then, we have filed a police report and had 2 meetings with the local Wells Fargo branch. When we met with the Sherriff 's Department Investigator, he took our report, signed it and commented that these scams are frequent and that, of all the banks he has had to deal with, Wells Fargo was the worst about actually helping their customers. 

All subsequent correspondence from Wells Fargo confirmed his statement. The company is saying that 1 ) they will not restore our checking account and 2 ) that we also owe Wells Fargo and ADDITIONAL {$2500.00} for the fraudulent advance on our credit card. 

So, in short WE have to restore Wells Fargo " their '' lost {$2500.00}, but they will do nothing to restore us.

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 2024-11-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
PMI was guaranteed not to be charged while working with our agent. The paperwork was discussed, reviewed, etc. The day of signing the contract once I was already at the appointment, I was apologized to and told they added PMI.

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 2024-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have fraudulent accounts on my credit report, that I reported to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Funding, yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : XXXX XXXX  / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened without my knowledge or authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$280.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} Fraudulent Inquiry : XXXX. XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened and inquiries were made without my consent or authorization. 
As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$770.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2400.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX OF XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The information below details the affected accounts and inquiries : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$6900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The information below details the affected accounts and inquiries : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$6900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I currently have a bank account with Wells Fargo. Someone put XXXX stop payments on my debit card, to pay my credit cards. I did not authorize any stop payments for any payment I was sending out, ever. Once that money bounced back, the credit cards closed all my accounts and now my credit score is being effected. Wells Fargo has no answers for me and no one can figure out what happened. In the meantime my credit score is dropping and my accounts keep closing. I need your help please.

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 2024-11-19 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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