vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent XXXX, XXXX and Equifax all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to XXXX, XXXX and Equifax and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED / XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX* DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED / XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXXY Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Opinion based on fact. Companies were paid earlier in month. They have NOT RESPONDED WITH CORRECT BALANCE OR CORRECTING INFORMATION. Meanwhile my credit score remains low impacting my ability to gain better refinance terms. Attempt to reach Experian by phone fail, they basically tell you to XXXXXXXX XXXX while the company responds. In my opinion this works for the BENEFIT OF LENDERS! So where do you CFPB PROTECT WE CONSUMERS?????

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Fraudulent inquiries on my chex system report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VI Account Number : 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX XXXX put {$400.00} into my PayPal account XXXX XXXX XXXX. On 3/23/22, I initiated a transfer from my PayPal account transferring the money to the XXXX XXXX XXXX XXXX XXXX XXXX The money was successfully sent to my account. On XX/XX/22, PayPal initiated a reversal and took the {$400.00} back out of my account. PayPal acknowledged the reversal was done because they had my bank account ending in XXXX. They determined that was not a valid account and reversed the money. The money however was actually placed in the correct bank account with XXXX ending in XXXX. It was also reversed and withdrawn from the correct account XXXX. In speaking with the bank, the transaction from PayPal did route to account ending in XXXX, however the bank has an account matching feature an they matched it to the correct account which ended in XXXX, which placed the money in the correct account for me. I have made multiple attempts over the last 30 days to get PayPal to return the {$400.00} they took out of my account on XX/XX/22. I have not been able to make any progress as PayPal denies they have the money and says it is with the bank. I was asked by PayPal to contact my bank and obtain a transaction number to prove they took the money. I did get the transaction number, XXXX, however now PayPal refuses to use this to trace the transaction and continues to deny taking the money. I have tried to escalate this to no avail. I am asking for assistance in the return of my {$400.00} which PayPal withdrew from my account without authorization and refuses to acknowledge or return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 my credit was ran by Victoria secret/ comenity bank without my permission nor did I authorize it. I have been a victim of identity theft and these are fraudulent. Ive made a IDENTITY THEFT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts, listed as being in " collection '' have violated my rights : XXXX - TransUnion, XXXX - XXXX As per15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

These items were reported to credit bureaus in XXXX. I contacted the reporting creditor and was referred to XXXX XXXX XXXX  as the creditor denied knowledge of any account despite being provided with my name and SSN. The creditor ( XXXX  ) referred me to XXXX XXXX XXXX who then referred me to XXXX XXXX, neither of whom had a record of the account being in collection or sent to XXXX for collection. After disputing the erroneous item with all 3 bureaus, the error was removed from XXXX reporting but remains on my TransUnion and XXXX accounts.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX ( equifax, XXXX  ) Has violated my rights! 
XXXX # XXXX ( XXXX ) has violated my rights! 
XXXX XXXX # XXXX ( XXXX, XXXX ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( XXXX, XXXX ) has Violated My rights! 
Fig Loans ( XXXX  ) has violated my rights! 
XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) ( XXXX  ) has violated my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX ( XXXX, experian ) Has violated my rights! 
XXXX # XXXX ( Experian ) has violated my rights! 
XXXX XXXX # XXXX ( XXXX, Experian ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( Experian, XXXX ) has Violated My rights! 
XXXX XXXX  ( experian ) has violated my rights! 
XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) ( experian ) has violated my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Yes I disputed this Account reporting on " Experian Credit Bureau '' mutiple times and this last time in XXXX 2022, in where I sent inaccurate/incomplete documents from the 3rd party collection agency ( XXXX ) to experian. Experian sent me a response letter saying, that the company which is " XXXX collection Company '' verified this account in which I requested all documents or proof showing this information but None to my avail. I'm gon na attached forms sent to me from ( XXXX ) of proof of debt and signature and also, my letter I sent to Experian after mutiple attempts of disputing. If this document is the original contract why is these things are incomplete and wrong, No complete address, NJ instead of Pa ( state ), s.s # incomplete, not my signature, credit card type not checked, unrecognized card infomation. Where this was these original documents generated from is suspicious.

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 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation