vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX * EquifaxP.O. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. 
The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C.

1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
Please dont respond to my request by saying that these accounts have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.

C. 

XXXX, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified o r removed immediately. 
XXXX ame of XXXX ount : Account XXXX umber : P XXXX vi de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at i on XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX NOTE : P l ease a l so remo v XXXX all non - account XXXX XXXX XXXX XXXX XXXX i nqu i r i es o v er XXXX da y XXXX o l d. 
XXXX XXXX XXXX You, XXXX, STEPHENAttached : Copy of my Social Security XXXX XXXX XXXX XXXX is attached Sent : XXXX XXXX Mail

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 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal and unequivocal demand for immediate investigation and removal of the following inaccurate and defamatory tradelines from my credit file. Under FCRA XXXX ( b ) and 15 U.S.C. XXXX, you are required to block and delete information that results from identity errors or is otherwise inaccurate within XXXX ( XXXX ) business days of receiving a bona fide dispute. Failure to comply will result in litigation for willful violation of the FCRA, statutory damages, and attorney fees. 
Disputed Accounts : XXXX. XXXX XXXX Account ending inXX/XX/XXXXXXXX Reported as Collection/Charge-off. XXXX. XX/XX/XXXX XXXX Account ending inXX/XX/XXXXXXXX Reported as Collection/Charge-off. XXXX. XXXX CARD Account ending inXX/XX/XXXX XXXX Reported as Collection/Charge-off. 
These entries are incorrect, misleading, and injure my reputation and creditworthiness. 
You have previously been alerted that records under the names XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX may be affected by misidentification. Under 15 U.S.C. 
XXXX ( a ) and related provisions, you must block reporting of identity-error information within XXXX ( XXXX ) business days. Reporting obsolete, unverified, or inaccurate information violates XXXX ( b ) and subjects you to statutory and actual damages under 15 U.S.C. XXXX and XXXX. 
If these accounts are not permanently removed and I do not receive written confirmation of deletion within XXXX ( XXXX ) business days from the date above, I will commence legal action without further notice. This includes claims for willful and negligent violations of the FCRA, state-law claims, and requests for statutory damages and attorneys ' fees. 
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 non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
I received a letter from MOHELA dated XX/XX/XXXX. It read " As a result of a court action affecting income driven repayment, MOHELA at the direction of theDepartment of Education, has changed the date by which you need to recertify your current XXXX plan to XXXX change will have no impact on your current loan repayment status or your current monthly payment amount. For instance, this means if you are currently in a forbearance, this change does not affect your forbearance. Based upon this change to your XXXX plan recertification date, you will not need to recertify your XXXX plan prior to XX/XX/XXXX. You should submit your recertification information to MOHELA at least 30 days prior to your new recertification date of XX/XX/XXXX. MOHELA will send you a reminder prior to this date to ensure documentation is submitted on time. '' MOHELA stated that there would be no impact on my current loan repayment status until XX/XX/XXXX. In XX/XX/XXXX my status was in repayment and my employment certification qualified XX/XX/XXXX. I submitted another employment certification and XXXX XXXX XXXX are marked ineligible.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull city financial solutions is the debt collector and they are trying to collect a debt of {$52.00} for an account that they claim is for myself. The account number is XXXX, XXXX. I was never notified of the debt or received any information in regards that I owed any amount to this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
XXXX, XXXXXX/XX/XXXXXXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX EquifaxXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. 
The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 

XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
Please dont respond to my request by saying that these accounts have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( XX/XX/XXXX ). 
By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S. 
C. 

XXXXi, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XX/XX/XXXXdays of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified o r removed immediately. 
N ame of Acc ount : Account N umber : P ro vi de P h y s ic a l P roo f o f V er ific at i on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXEPT OF EDUCATION/NELN XXXXDEPT OF EDUCATIONXXXX XXXXEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATION/XXXX XXXXDEPT OF EDUCATIONXXXX XXXXEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXXXX/XX/XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATIONXXXX XXXX CARD/XX/XX/XXXX BANK UXXXX XXXX CARD XXXX AUTO XXXX NOTE : P l ease a l so remo v e all non - account ho l d i ng i nqu i r i es o v er XXXX da y s o l d. 
T han k You, Attached : Copy of my Social Security Card & Drivers License is attached Sent : XXXX Certified Mail XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C.
State: AL

Complaint narrative:
I am currently in the process of refinancing my mortgage and part of that new loan will be paying off debt. The title company contacted the debt collector on XX/XX/year> to get a payoff statement. They were told it would take XXXX business days but never received anything. They have also called the collector several times. In an effort to move things along I have personally contacted the debt collector to request the payoff statement and they have failed to provide it to me. This interfered with closing on the new loan. We are in desperate need for the payoff statement so that this does not drag into a new month and we have to get new statements.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
XXXX XXXX SOC SEC # XXXX DOB XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis\nletter\nis\nto\ninform\nyou\nthat\nI\nrecently\nreceived\na\ncopy\nof\nmy\ncredit\nreport\nthat\nyour\ncompany\npublishes\nand\nafter\nreviewing\nit\nI\nfound\na\nnumber\nof\nitems\non\nthe\nreport\nthat\nare\ninaccurate.\nThe\naccounts\nin\nquestion\nare\nlisted\nbelow.\nPlease\nsend\nme\ncopies\nof\nthe\ndocuments\nthat\nyou\nhave\nin\nyour\nfiles\nas\nof\nthis\ndate\nthat\nyou\nused\nto\nverify\nthe\naccuracy\nof\nthe\naccounts\nlisted\nbelow.\nUnder\nthe\nFair\nCredit\nReporting\nAct,\n15\nU.S.C.\n\n1681g\nI\nhave\nthe\nright\nto\ndemand\nthat\nyou\ndisclose\nto\nme\nall\nof\nthe\ndocuments\nthat\nyou\nhave\nrecorded\nand\nretained\nin\nyour\nfile\nat\nthe\ntime\nof\nthis\nrequest\nconcerning\nthe\naccounts\nthat\nyou\nare\nreporting\nin\nmy\ncredit\nreport.\nPlease\ndont\nrespond\nto\nmy\nrequest\nby\nsaying\nthat\nthese\naccounts\nhave\nbeen\nverified.\nSend\nme\ncopies\nof\nthe\ndocuments\nthat\nyou\nhave\nin\nyour\nfiles\nthat\nwere\nused\nto\nverify\nthem.\nIf\nyou\ndo\nnot\nhave\nany\ndocumentation\nin\nyour\nfiles\nto\nverify\nthe\naccuracy\nof\nthese\ndisputed\naccounts\nthen\nplease\ndelete\nthem\nimmediately\nas\nrequired\nunder\nSection\n611(a)(5)(A)(i).\nBy\npublishing\nthese\ninaccurate\nand\nunverified\nitems\non\nmy\ncredit\nreport\nand\ndistributing\nthem\nto\n3\nrd\nparties\nyou\nare\ndamaging\nmy\nreputation\nand\ncredit\nworthiness.\nUnder\nthe\nFCRA\n15\nU.S.\nC\n.\n\n1681i,\nall\nunverified\naccounts\nmust\nbe\npromptly\ndeleted\n.\nTherefore,\nif\nyou\nare\nunable\nto\nprovide\nme\nwith\na\ncopy\nof\nthe\nverifiable\nproof\nthat\nyou\nhave\non\nfile\nfor\neach\nof\nthe\naccounts\nlisted\nbelow\nwithin\n30\ndays\nof\nreceipt\nof\nthis\nletter\nthen\nyou\nmust\nremove\nthese\naccounts\nfrom\nmy\ncredit\nreport.\nPlease\nprovide\nme\nwith\na\ncopy\nof\nan\nupdated\nand\ncorrected\ncredit\nreport\nshowing\nthese\nitems\nremoved.\nI\ndemand\nthe\nfollowing\naccounts\nbe\nproperly\nverified\no\nr\nremoved\nimmediately.\nN\name\nof\nAcc\nount\n:\nAccount\nN\number\n:\nP\nro\nvi\nde\nP\nh\ny\ns\nic\na\nl\nP\nroo\nf\no\nf\nV\ner\nific\nat\ni\nonXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFFXXXXHistory: XXXX XXXXLate Dates: XXXX XXXXXXXXNOTE\n:\nP\nl\nease\na\nl\nso\nremo\nv\ne\nall\nnon\n-\naccount\nho\nl\nd\ni\nng\ni\nnqu\ni\nr\ni\nes\no\nv\ner\n30\nda\ny\ns\no\nl\nd\n.\nT\nhan\nk\nYou,\nAttached\n:\nCopy\nof\nmy\nSocial\nSecurity Card\n&\nDrivers\nLicense\nis\nattached\nSent:\nUSPS\nCertified\nMailXXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
XXXX XXXX SOC SEC # XXXX DOB XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis\nletter\nis\nto\ninform\nyou\nthat\nI\nrecently\nreceived\na\ncopy\nof\nmy\ncredit\nreport\nthat\nyour\ncompany\npublishes\nand\nafter\nreviewing\nit\nI\nfound\na\nnumber\nof\nitems\non\nthe\nreport\nthat\nare\ninaccurate.\nThe\naccounts\nin\nquestion\nare\nlisted\nbelow.\nPlease\nsend\nme\ncopies\nof\nthe\ndocuments\nthat\nyou\nhave\nin\nyour\nfiles\nas\nof\nthis\ndate\nthat\nyou\nused\nto\nverify\nthe\naccuracy\nof\nthe\naccounts\nlisted\nbelow.\nUnder\nthe\nFair\nCredit\nReporting\nAct,\n15\nU.S.C.\n\n1681g\nI\nhave\nthe\nright\nto\ndemand\nthat\nyou\ndisclose\nto\nme\nall\nof\nthe\ndocuments\nthat\nyou\nhave\nrecorded\nand\nretained\nin\nyour\nfile\nat\nthe\ntime\nof\nthis\nrequest\nconcerning\nthe\naccounts\nthat\nyou\nare\nreporting\nin\nmy\ncredit\nreport.\nPlease\ndont\nrespond\nto\nmy\nrequest\nby\nsaying\nthat\nthese\naccounts\nhave\nbeen\nverified.\nSend\nme\ncopies\nof\nthe\ndocuments\nthat\nyou\nhave\nin\nyour\nfiles\nthat\nwere\nused\nto\nverify\nthem.\nIf\nyou\ndo\nnot\nhave\nany\ndocumentation\nin\nyour\nfiles\nto\nverify\nthe\naccuracy\nof\nthese\ndisputed\naccounts\nthen\nplease\ndelete\nthem\nimmediately\nas\nrequired\nunder\nSection\n611(a)(5)(A)(i).\nBy\npublishing\nthese\ninaccurate\nand\nunverified\nitems\non\nmy\ncredit\nreport\nand\ndistributing\nthem\nto\n3\nrd\nparties\nyou\nare\ndamaging\nmy\nreputation\nand\ncredit\nworthiness.\nUnder\nthe\nFCRA\n15\nU.S.\nC\n.\n\n1681i,\nall\nunverified\naccounts\nmust\nbe\npromptly\ndeleted\n.\nTherefore,\nif\nyou\nare\nunable\nto\nprovide\nme\nwith\na\ncopy\nof\nthe\nverifiable\nproof\nthat\nyou\nhave\non\nfile\nfor\neach\nof\nthe\naccounts\nlisted\nbelow\nwithin\n30\ndays\nof\nreceipt\nof\nthis\nletter\nthen\nyou\nmust\nremove\nthese\naccounts\nfrom\nmy\ncredit\nreport.\nPlease\nprovide\nme\nwith\na\ncopy\nof\nan\nupdated\nand\ncorrected\ncredit\nreport\nshowing\nthese\nitems\nremoved.\nI\ndemand\nthe\nfollowing\naccounts\nbe\nproperly\nverified\no\nr\nremoved\nimmediately.\nN\name\nof\nAcc\nount\n:\nAccount\nN\number\n:\nP\nro\nvi\nde\nP\nh\ny\ns\nic\na\nl\nP\nroo\nf\no\nf\nV\ner\nific\nat\ni\nonXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFFXXXXHistory: XXXX XXXXLate Dates: XXXX XXXXXXXXNOTE\n:\nP\nl\nease\na\nl\nso\nremo\nv\ne\nall\nnon\n-\naccount\nho\nl\nd\ni\nng\ni\nnqu\ni\nr\ni\nes\no\nv\ner\n30\nda\ny\ns\no\nl\nd\n.\nT\nhan\nk\nYou,\nAttached\n:\nCopy\nof\nmy\nSocial\nSecurity Card\n&\nDrivers\nLicense\nis\nattached\nSent:\nUSPS\nCertified\nMailXXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Dispute Immediate Deletion under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 To Whom It May Concern, This is a formal and unequivocal demand for immediate investigation and deletion of inaccurate, unverifiable, and identity-misassociated information from my credit file. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2, you must block and delete disputed items within four ( 4 ) business days of receipt. Failure to comply will result in legal action for willful and negligent noncompliance, with statutory damages and fees. 
Delete the following negative accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged-off/derogatory. 
Remove all unauthorized hard inquiries within the last XXXX ( XXXX ) years, including but not limited to : 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 
Addresses : Delete all addresses other than my current and correct address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Remove all other addresses and name variations ( including but not limited to XXXX XXXX XXXX, XXXX XXXX, and similar ) linked in error. 
These items are disputed as inaccurate and/or not verifiable. Under 15 U.S.C. 1681c-2 ( a ), block disputed information within four ( 4 ) business days. Reporting obsolete, unverified, or misattributed data violates 605 ( b ) and subjects you to liability under 1681n and 1681o.

Provide written confirmation of deletion within four ( 4 ) business days from the date above or I will file suit without further notice seeking statutory damages, attorneys fees, and injunctive relief. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
Subject : Dispute of Fraudulent Account Account Number XXXX Demand for Immediate Removal Under FCRA Dear XXXX XXXX XXXX, I am writing to dispute a fraudulent account listed on my Experian credit report under your name, account number XXXX. This account, originally credited to XXXX XXXX, was previously removed from my credit report, as evidenced by the attached screenshot showing its resolution on XX/XX/XXXX, following a dispute with XXXX. The reappearance of this account is erroneous and damaging to my credit standing. I have never authorized or engaged in any transactions with XXXX XXXX XXXX, and I believe this account results from identity theft or a reporting error. The balance of {$8600.00}, updated on XX/XX/XXXX, with 0 % paid off, is unfounded, as I have never stayed or had rent at the associated property. I request that you immediately investigate this matter, remove the account from my credit report, and notify all credit bureaus of the correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), once an item is deleted due to inaccuracy or incompleteness, it may not be reinserted unless the furnisher certifies its accuracy to the credit reporting agency and provides notice to the consumer. Case law supports liability for both furnishers and credit bureaus in such reinsertion violations, as seen in precedents where courts have held entities accountable for failing to remove unverified or fraudulent information ( e.g., CFPB v. Experian, emphasizing the duty to delete disputed unverified items, and similar cases involving willful noncompliance leading to damages ). Failure to remove this fraudulent account immediately may result in your company being found liable for FCRA violations, including actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees under 15 U.S.C. 1681n. Attached are : A screenshot from Experian confirming the accounts removal on XX/XX/XXXX. The current Experian page with account details. The previous dispute response from 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