vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-09-14 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: PA

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

XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$480.00} XXXXXXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$160.00} XXXXXXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$390.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX OF XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX - XXXX 6. XXXX  - XXXX 1. XXXX  - XX/XX/XXXX 2. XXXX  XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXI XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/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 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock from Paypal that You can no longer do business with PayPal dated XX/XX/year>. At the advice of counsel, Im sending a polite message to PayPal with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. PayPal sent me an email telling me that I need to provide more information to re-review my account and decide if they continue my account limitations or lift my account limitations, But when I check my PayPal account, there is no option where I can send more information and proof of screenshot. I primarily use PayPal to provide online services. In addition, my PayPal is authenticated and connected to XXXX. XXXX where I receive occasional income from my online tutorial. Everything I do on PayPal is completely legitimate. None of these violate the XXXX. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the EXPERIAN inaccurate reporting of my XXXX XXXX  account on my credit report under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) specifically, 15 U.S.C. 1692c ( c ). Despite a deletion in XX/XX/year>, which I have attached, showing the account in good standing, your records continue to reflect late payments, and my credit score has not been updated accordingly.

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 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked for proof of opening account with them and original signed contract I received a blank check they opened account in my name and cant provide me with original signed contract

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 2024-09-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I asked for proof of opening account with them and original signed contract I received a blank check they opened account in my name and cant provide me with original signed contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$18.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$14000.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$9300.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$460.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - BALANCE {$570.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries 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 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$18.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - BALANCE {$14000.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$9300.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$460.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$570.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2024-09-14 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$870.00} XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$230.00} XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$870.00} XXXX  XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - BALANCE {$940.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MS

Complaint narrative:
On XX/XX/XXXX I demanded deletion of the Public Record XXXX and all accounts that has XXXX listed with it deleted off my credit report if no physical verification is able to be provided. I received a notification via email from XXXX and Experian saying my Public Record was updated after both credit bureaus were reporting inaccurate information. If I read the law correctly under FCRA it stated that inaccurate information should be removed deleted. I received a letter from the Court stating they do not provide XXXX  information to the credit bureaus.

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 2024-09-14 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-14 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally auto merged with Ally banking, but I was never informed. Never called or received a letter or email. I tried to log onto my Ally Auto account so I could pay my loan off in full and it wanted verification, but the phone number listed was incorrect. 
- XXXX first call : 4 calls- spoke with XXXX who said someone would call me back in 3-4 business days. 
XXXX - 5 calls : spoke with a rep who changed my username to get me to log on and it still was not working and then finally spoke with XXXX from XXXX. Was able to log me on. He said he would fix the username so it was the original username associated with my account and said give us 2 business days well call back once weve confirmed your auto loan is linked. 
XX/XX/XXXX - called back with ref # to check on status and they told me to give it a few more days. 
XX/XX/XXXX - called again XX/XX/XXXX - received missed call from XXXX - called back with ref # and STILL can not log on. Was given a new ref # and was told someone would call me back in 2 business days, here we are XXXX business days later and still nothing. 

I AM JUST TRYING TO LOG ONTO MY ONLINE PORTAL SO I CAN PAY OFF MY AUTO LOAN. I have the right to my own information and its absolutely ridiculous that almost 2 months later Im being given the runaround, because this company wants the interest and I could have paid off my auto loan in full 6 weeks ago, but after 6 weeks of back and forth and DOZENS of phone calls its absolutely shameful and ridiculous that these people are not helping me. I will NEVER bank with Ally ever again if this does not get resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still reporting.

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 2024-09-14 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: TN

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

XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$7200.00} XXXX XXXXXXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation