vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I must admit it finds me far from pleased. My recent perusal of my XXXX, XXXX, and XXXX credit reports has revealed some rather distressing discrepancies. It appears that certain transactions have been posted on my credit report, which I firmly believe contravene federal laws designed to safeguard the accuracy and fairness of consumer reports. 

It is my contention that your company 's actions in this regard constitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance. 
Per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a " consumer report '' explicitly excludes " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' This, in my understanding, blatantly runs afoul of the aforementioned FCRA provision, as these transactions exclusively involve interactions between myself and your corporation. 
In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns.

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 2023-10-11 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: KY

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-10-11 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: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 non-monetary relief
Consumer complaint received 2023-10-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: KY

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: KY

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$390.00} XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my 9th request but no one seems to care. I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2023-10-11 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2023-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$310.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: AR

Complaint narrative:
I am writing to express my continued concern and disappointment concerning the persistent inaccuracies related to a late open account on my credit report, despite multiple attempts to have it corrected. The presence of this inaccurate information is significantly affecting my creditworthiness and financial standing, and I urge you to resolve this issue promptly. 

I have made multiple attempts to have this issue addressed, yet the inaccurate information remains on my credit report. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough review of this matter and take immediate action to correct my credit report by removing the inaccurate late open account. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and up-to-date, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these necessary corrections. 

Furthermore, please ensure that you notify the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. 

The continued presence of this inaccuracy is causing significant harm to my financial well-being and creditworthiness. I trust that you will prioritize this matter and work diligently to resolve it promptly to restore the accuracy of my credit history. I am asking for your assistance to correct this late open account which is being reported in XXXX and Transunion Credit Bureaus : XXXX XXXX Balance : {$10000.00}.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my XXXX request but no one seems to care. I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 non-monetary relief
Consumer complaint received 2023-10-11 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: Opportunity Financial, LLC
State: VA

Complaint narrative:
I would like all my hard inquiries removed from my credit report due fraud and federal violations using 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: VA

Complaint narrative:
This is my SEVERAL request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX A XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  XXXX **** Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} XXXX XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX  XXXX Balance XXXX : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2023-10-11 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: VA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$270000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2023-10-11 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: VA

Complaint narrative:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX  XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXXXXXX

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 2023-10-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and deleteion of the following erroneous accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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