vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01 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: FL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: ID

Complaint narrative:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX Idaho XXXX. In XXXXXXXX XXXX XXXX, I met a person on XXXXXXXX XXXX named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX XXXX  She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my XXXX account and my XXXX wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my XXXX account and those dates were First date of Transaction XX/XX/ and Last date of Transaction XX/XX/. The total amount of money deposited was $ XXXX.She then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the bitcoin IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a XXXX, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I've filed a couple disputes after reaching out to the business that took my money cash app refuses to resolve the issues and they were fraudulant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act accounts listed should be removed immediately and have violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Remove ASAP! 


REMOVE ASAP! I have filed several disputes with Equifax for months AND IT NEEDS TO BE REMOVED ASAP iNQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX GA XXXX I am now up to 128 disputes and they are not removing or verifying just reporting and ignoring. I did not give authorization and have no knowledge of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I was rejected for a loan Net credit then calls and says I may have one. Gave me an account # that does not exist. Help phone number says I do not have an account. Sent verification money of XXXX and said they expect it returned immediately ( Friday XX/XX/ ) but absolutely refuse to tell me where. Web site mentions address for paper check but not any name or entity to send money through your bank. Unnamed female calls and will not accept terns of repayment applied to the XXXX saying we can't just let you keep the XXXX instead of the XXXX. 
Two XXXX men but? Answering machine is a womans voice. PDF says terms agreed to but if there was an electronic signature I did not sign any. Why won't you just let me keep the XXXX ad repay that?? Because it comes from somewhere else. XXXX man XXXX XXXX says in threat email its federal money. No loan company does that. Transportation alliance bank does not exist. Unnamed female listed all stores possible like XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc where I could go to resend the money bit not where. Address and po box are paper checks not email instant repay. When I said XXXX XXXX she said? Nothing. No answer. 
Compassion? A little. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and her insistence that I give back money she won't even tell me where to send compounded by threats including terrorizing me when I get very little in govt benefits and refusing to even accept repayment terms applied to the XXXX. 
I am being deprived of all my rights by the state of Oklahoma including refusing me access to my XXXX parents and guardian even the police are stalking me and for 28 years are tracking my every single footstep and studying me like an animal I have no real viable caseworker nor social services. My mama is frantic. I am now being threatened by NetCredit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: TX

Complaint narrative:
This is my several endeavors 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : 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 2023-04-01 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: TX

Complaint narrative:
This is my several endeavors 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : 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 2023-04-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XX/XX/2023 I submitted an online dispute for 6 inquiries on my credit file that I did not authorize and have knowledge of any dealings with that company. On XXXX XX/XX/2023, the same day the dispute was closed by Equifax stating the inquiries were factual. I put in the dispute to provide proof with my signature of authorization which does not exist but yet again Equifax verified false information in my report. We are not talking about a few days or weeks to contact the companies and get valid that I authorized them to see my report. They did nothing for the investigation and that violates the FCRA. They are required to provide and have proof that the information is accurate, not just the words of the creditor. They have an obligation to ensure that accurate and truthful data is on my credit file but yet they continue to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX Creditor : ) XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA 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 2023-04-01 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$750.00} XXXX XXXX Original Creditor : ) XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NC

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} 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 2023-04-01 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: NC

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
I am once again unable to unfreeze my credit report with Experian. I could temporarily unfreeze my credit report with XXXX and XXXX in less than 5 minutes. However, despite having a working account with Experian, I can not get past a " Free Offer '' once I successfully log in. The site does not work, and considering I am XXXX  military, I can not contact anyone during my working hours. Their website is either purposely confusing or poorly designed. Either way, this is preventing me from obtaining a mortgage. Their phone system only directs you to their ineffective site. See attached screen shots.

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 2023-04-01 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: TX

Complaint narrative:
This is my NUMEROUS 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:XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: GA

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 3 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 corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}

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 2023-04-01 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}

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 2023-04-01 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation