vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not apply for a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these companies pulled my report on XX/XX/year>. The credit inquiries were illegal and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
TransUnion Consumer Solutions Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Subject : URGENT DEMAND TO CORRECT PERSONAL INFORMATION & DELETE INACCURATE ACCOUNTS FCRA 611 ( a ), TEXAS FINANCE CODE 392 To Whom It May Concern : I am writing to formally dispute multiple inaccuracies in my TransUnion credit file, including misspelled names, fraudulent addresses, and unauthorized employment entries. These errors have likely caused a mixed file and invalidate the accuracy of all reported accounts. Under FCRA 611 ( a ), you must conduct a reasonable investigation and delete unverifiable data. 

Critical Personal Information Errors Misspelled Names : Incorrect : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Correct : XXXX XXXX XXXX. 

Fraudulent Addresses : Incorrect : XXXX XXXX XXXX ( XXXX, CT ), XXXX XXXX XXXX XXXX XXXX, NJ ), XXXX North Av ( XXXX, CT ). 

Correct : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( no other addresses since XX/XX/XXXX ). 

Unauthorized Employers : Incorrect : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. 

Correct : Self-Employed ( no other employers ).

Legal Violations FCRA 607 ( b ) : Requires maximum possible accuracy. Misspelled names and fraudulent addresses prove TransUnion failed to verify data.

Texas Finance Code 392.304 ( a ) ( 8 ) : Prohibits misrepresenting personal information.

Risk of Mixed File : Errors like XXXX XXXX and out-of-state addresses suggest my file is merged with another consumers data. 

Demands Immediately correct all personal information to reflect : Name : XXXX XXXX XXXX ( no suffixes, typos, or aliases ). 

Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( remove all others ). 

Employer : Self-Employed ( remove all others ).

Delete all accounts tied to incorrect data, including : Addresses in CT, NJ, or any location other than XXXX, TX. 

Employers like XXXX or XXXX XXXX XXXX XXXX. 

Any accounts opened or reported during periods I resided outside Texas ( e.g., XXXX ). 

Confirm deletions/corrections in writing and provide a revised credit report. 

Failure to Comply Will Result In : CFPB Complaint : Citing TransUnions failure to maintain accuracy under FCRA 611.

Texas AG Complaint : For violating Texas Finance Code 392 ( statutory damages up to {$20000.00} ).

Lawsuit : Seeking damages for defamation, emotional distress, and FCRA violations.

Enclosed Documents ( Proof of Identity/Address ) : Copy of Texas Drivers License . 

Utility bill ( XXXX, TX address ). 

Social Security card. 

Contact Information : Phone : XXXX Email : XXXX Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau, Texas Attorney General

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
incorrect information in my credit report showing in all my credits frauds and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : URGENT DEMAND TO CORRECT PERSONAL INFORMATION & DELETE INACCURATE ACCOUNTS FCRA 611 ( a ), TEXAS FINANCE CODE 392 To Whom It May Concern : I dispute multiple inaccuracies in my Experian credit file, including misspelled names, fraudulent addresses, and unauthorized employment entries. These errors invalidate the accuracy of all reported accounts and suggest a mixed file. Under FCRA 611 ( a ), you must investigate and delete unverifiable data. 

Critical Personal Information Errors Misspelled Names : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Correct XXXX XXXX XXXX XXXX XXXX no typos, suffixes, or aliases ). 

Fraudulent Addresses : Incorrect : XXXX XXXX XXXX XXXX XXXX, NJ ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Correct : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( no other addresses since XX/XX/2024 ). 

Unauthorized Employers : Incorrect : XXXX XXXX XXXX XXXX, XXXX. 

Correct : XXXX ( no other employers ). 

Legal Violations FCRA 607 ( b ) : Failure to ensure maximum accuracy.

Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresentation of personal information. 

Mixed File Risk : Errors like XXXX XXXX and XXXX addresses indicate merged data. 

Demands Correct all personal information to : Name : XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

Employer : XXXX 

Delete all accounts tied to : XXXX addresses or unauthorized employers. 

Any activity during periods I resided outside Texas ( e.g., XXXX ). 

Provide written confirmation and a revised credit report. 

Failure to Comply Will Result In : CFPB Complaint : For violating FCRA 611 ( a ). 

Texas AG Lawsuit : Under Texas DTPA ( statutory damages up to {$20000.00} ). 

Legal Action : For defamation and emotional distress.

Enclosed : Copy of Texas Drivers License. 

Utility bill ( XXXX, TX ). 

Sincerely, 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 2025-01-31 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I have reviewed my credit file and identified multiple inquiries that I did not authorize. These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a credit bureau may only furnish a consumer report when permissible purpose exists. Since I did not initiate or authorize these inquiries, they must be removed immediately. 
The unauthorized inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), a party requesting my consumer report must have a permissible purpose. Since I did not apply for credit, loans, or any services that would justify these inquiries, these entities lacked a permissible purpose, and thus, the inquiries must be removed. 
Additionally, 15 U.S.C. 1681i grants me the right to dispute inaccurate information in my credit report and requires Equifax to investigate and correct any unauthorized or erroneous entries.

I demand that Equifax : Conduct an immediate investigation into these fraudulent inquiries.

Remove the unauthorized inquiries from my credit report.

Provide a written response confirming the deletion of these inquiries.

Disclose the name and contact information of each entity that requested my credit file.

I have attached a copy of my drivers license, Social Security card, and a recent utility bill for identity verification.

Failure to remove these inquiries may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter. I look forward to your written confirmation of these removals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX ) I have an unauthorized hard credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized hard credit pull from XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have a unauthorized credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized credit pull from XXXX XXXX  inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized credit pull from XXXX XXXX XXXX reporting to my credit report with Experian These six hard credit pulls are all unauthorized fraudulent transactions that are reporting negatively to XXXX as well as Experian and I would like them erased from my credit report please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I asked for documentation an the forward flow agreement an a wet signature, an I didnt get any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I faced the consequences of losing {$3500.00} and deducting {$150.00} along with compromising my identity because of a job scam. I received a text from an unknown XXXX XXXX XXXX from XXXX XXXX ( XXXX ) asking if I would like to be eligible for a position as XXXX XXXX XXXX XXXX for XXXX XXXX She referred me to XXXX XXXX XXXX a XXXX  chat. I conversed with HR from XXXX XXXX XXXX XXXX and proceeded to do an in-chat interview. I was told that I was hired and would start working on XX/XX/year>. I was asked to send a Photo ID by XXXX and HR provided a start-up check that covers software/office equipment suppliers. He asked me go to the bank to make a wire transfer and provided another vendor 's wire transfer info. I found that check funds from XXXX were insufficient that it took money out of my checking account. I stated to XXXX over XXXX chat that he would call the accounting dept and they would reinstate the check amount of XXXX dollars. He asked me to provide my account numbers and routing numbers. But that was my last interaction with him before receiving no response on his end. I went to the bank for help and a refund request but they won't help me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
THIS COMPANY REPORTING IN MY CREDIT REPORT DEROGATORY ITEMS SKED TO BE REMOVED AND NEVER GET CONTACTED HOWEVER THEY VIOLATE THE CEASE AND DECEIT PLACED 5 MONTHS AGO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have tried calling and emailing and using the online chat support option but nobody answers. My account has been frozen and locked for unknown reasons since 2022. I can not transfer the crypto to another account because my payment methods and everything are also locked. I can't send crypto to an outside source because my account is frozen for????? reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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