vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am reaching out as a consumer who continues to suffer from inaccurate and unfair reporting on my credit file, and I respectfully request the immediate and permanent removal of the following accounts and inquiries that are not in compliance with the Fair Credit Reporting Act. Despite my previous disputes, these items remain, and their continued reporting is misleading, harmful, and unlawful. 
The first concern is a charge-off account with XXXX XXXX, account number XXXXXXXX XXXX XXXX showing a balance of {$11000.00}. * * This account is being reported without the issuance of a required XXXX for cancellation of debt, which must be provided when the debt exceeds {$600.00}. The ongoing reporting of this account without such documentation creates an inaccurate and incomplete record, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Next, there is a collection account reported by XXXX  for the original creditor XXXX XXXX XXXX, account number XXXX with a balance of {$6000.00}. This account is disputed because its reporting fails to comply with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a proper reinvestigation of disputed items. In addition, it qualifies for blocking under FCRA 605B 15 U.S.C. 1681c-2 because the account is inaccurate, unverifiable, and harmful to my credit profile.

Finally, I identified several unauthorized hard inquiries that were made without my knowledge or permissible purpose. These include : XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX These inquiries are clear violations of FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits permissible purposes for obtaining consumer reports, as well as FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining reports under false pretenses or without consumer consent.

Because these accounts and inquiries are inaccurate, unverifiable, and damaging, I am not requesting correction. I am demanding their permanent removal from my credit file to ensure that my report reflects only accurate and lawful information.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
This company is actively committing fraud against me I have no association with this company but they are reporting that I owe them funds I never received, applied for or anything associated with them. Ive never received any loans from any company for that matter. This is clearly fraud. I sent in a dispute to the company but they are sending it back stating this fraudulent account is mines which is absolutely unacceptable. They also have other complaints on XXXX  thats stating they are doing this to other individuals I noticed this when I was going to submit a complaint. I will be taking legal action against them if they fail to remove this fraudulent account from my credit reports NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX, Synchrony Bank wrote : `` Upon further review, we have determined that incorrect information was provided ( by Synchrony Bank ) in our previous response ... dated XX/XX/XXXX, we stated we previously waived interest charges totaling {$17.00} ; however, only {$8.00} was for interest charges ''. I have stated numerous times since XXXX thatyour accounting, Statements and billing are FRAUDULENT. That's what i had been complaining about since XXXX. 

In your recent letter, XXXX, Synchrony wrote : '' XXXX.. you contacted us ( LIARS ) to dispute {$9.00} of the purchase ( LIARS ) in the amount of {$1200.00} made on XX/XX/XXXX... we issued a credit in the amount of {$9.00} ( in XXXX ) ''. On XXXX, SynchronyBank wrote : " XXXX a credit of {$9.00} posted as a merchandise return. ... the credit was INITIATED BY THE PROVIDER ''. This is a Contradiction of Synchrony 's earlier explanation dated XXXX, stating : " In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened by you ( LIARS ) on XX/XX/XXXX, in which you claimed you were overcharged ( LIARS ) by the merchant by {$9.00}, for the purchase in question ''. Why did Synchrony give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX XXXX? A credit i could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, That's what you are : Liars and Criminals. 

In your recent letter, XXXX, Synchrony wrote : " we determined your billing statement may have been delayed or not sent. Therefore, an adjustment was made to your account, and a credit for interest charges totaling {$8.00} was issued ( in XXXX ) '' ; when the purchase was on a PROMOTIONAL and the purchase was DISPUTED since 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a spoofing/social-engineering scam. A caller impersonated Navy Federal, spoofed the official 888 number, and used Navy Federals standard verification process. Believing I was speaking with an actual representative, I unknowingly provided information that was then used to complete an unauthorized {$4000.00} transfer from my account. I did not authorize this transaction, and my debit card was never lost or stolen.

I immediately reported the fraud to Navy Federal on XX/XX/XXXX and filed a fraud claim the same day. On XX/XX/XXXX, Navy Federal issued a {$4000.00} provisional credit, acknowledging the fraud. However, on XX/XX/XXXX, Navy Federal reversed the provisional credit and denied my claim. I filed appeals on XX/XX/XXXX and again on XX/XX/XXXX after Navy Federal requested further details. Despite Regulation E requirements, Navy Federal did not provide a written determination within 10 business days of my XXXX appeal and left the matter unresolved for more than three weeks. On XX/XX/XXXX, Navy Federal sent me a generic denial without providing the detailed explanation I specifically requested.

Under Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate unauthorized electronic fund transfers, issue provisional credit if an investigation takes longer than 10 days, and provide a written explanation citing the basis for denial. Navy Federal has failed to comply with these requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law.

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my TransUnion credit report and identified inaccurate reporting that is adversely affecting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$42000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} The above accounts are all being inaccurately reported with late payment notations. I have consistently made payments as agreed and have never missed or been late on these accounts. This inaccurate reporting is a direct violation of FCRA 1681e ( b ), which requires TransUnion to maintain maximum possible accuracy.

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 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a reinvestigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-09-30 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: IN

Complaint narrative:
I am submitting this follow-up complaint regarding an unauthorized inquiry that continues to appear on my credit report. An inquiry from XXXX XXXX XXXX dated XX/XX/year> is listed on my credit file without my authorization or a permissible purpose. I did not apply for credit, financing, or any service with this company, and therefore this inquiry violates the Fair Credit Reporting Act ( FCRA ) .604 ( a ) 15 U.S.C. 1681b ( a ) restricts access to consumer reports to permissible purposes only.604 ( f ) 15 U.S.C. 1681b ( f ) requires that any access without authorization is prohibited.619 15 U.S.C. 1681q prohibits obtaining consumer information under false pretenses.The presence of this inquiry negatively impacts my credit profile and score. Its continued reporting demonstrates a failure to maintain accurate and authorized information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a reinvestigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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

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 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SANTANDER/XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SANTANDER/XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

SANTANDER/XXXX XXXX XXXX....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Experian has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Experian has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective 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 explanation
Consumer complaint received 2025-09-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Balance {$280.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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