vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
My XXXXXXXX XXXX XXXXXXXX mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without XXXX  days notification and transfer information, XXXX XXXX transferred my home mortgage loan to XXXX XXXX, affiliation of XXXX XXXX  company, on XXXX after I made my XX/XX/XXXX mortgage payment to XXXX ; however, XXXX XXXX  neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has XXXX XXXX reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to XXXX XXXX non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called XXXX XXXX and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for XXXX XXXX to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, XXXX XXXX has emailed ( XXXX ) to inform of new home mortgage information with XXXX XXXX will be serviced through XXXX, a sub service by XXXX XXXX brand. At this point, I don't know where my XXXX  XXXX mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a XXXX  XXXX mortgage and 100 % XXXX veteran to be treated as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: MD

Complaint narrative:
My Flagstar VA home mortgage has been open and active and ( now transferred ), with excellent payment history and no late payments since I purchased my home in XX/XX/XXXX, however, without XXXX  days notification and transfer information, Flagstar Bank transferred my home mortgage loan to XXXX XXXX, affiliation of XXXX Mortgage company, on XXXX after I made my XX/XX/XXXX mortgage payment to Flagstar ; however, Flagstar bank neglected to report to all three credit bureaus, all new mortgage company transferred information, nor has XXXX XXXX reported the new home mortgage loan number and account information to all three major credit bureaus ..., this in term, has caused distress and negative effects to my credit history and credit scoring. Due to XXXX XXXX non compliance of reporting to all major credit bureaus of my first mortgage payment on XX/XX/XXXX, it has caused my credit scores to drop over XXXX points and this is harmful to my credit and scoring. Their negligence is causing undue hardship for me and preventing me from purchasing a new home and to sale my current home, as well. I called XXXX XXXX and spoke with XXXX in their escrow department on XXXX, XXXX, XXXX to request immediate reporting to all credit bureau, for their neglect to report to all credit bureaus is causing harm to my credit scores and undue hardship for me. XXXX XXXX verbally expressed her sincere apologies and said all reporting to the credit bureaus will be reported within XXXX to XXXX business days, and it's now XX/XX/XXXX and NO credit reporting has transpired. I have been waiting patiently for XXXX XXXX to report my new mortgage loan history and information to all credit bureau, but, they are neglecting to do so. On top of that, XXXX XXXX has emailed ( XXXX ) to inform of new home mortgage information with XXXX XXXX will be serviced through XXXX, a sub service by XXXX XXXX brand. At this point, I don't know where my VA home mortgage is located and who I should make monthly payments to. This is appalling and very disturbing, for a VA home mortgage and 100 % XXXX veteran to be treated as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts on my credit report as a result of identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX. XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts on my credit report as a result of identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX. XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$15000.00}

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 2024-12-05 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.

Complaint narrative:
I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Creditor Information Creditor Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX OTHER ACCOUNTS XXXX XXXX Reported : XXXX XXXX, XXXX {$200.00} Needs Attention XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX {$7.00} Closed Hard Inquiries NEEDED TO BE IMMEDIATELY UPDATED/ DELETED SEE BELOW : XXXX MOTORS XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2024-12-05 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and these accounts were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
Fraudulent Accounts : XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$930.00}

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 2024-12-05 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: GA

Complaint narrative:
Subject : Dispute of Credit Report Errors Under 15 U.S.C. 1666b, 1637 ( b ), 1681s-2, and 1681i To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below are the details of the accounts and the associated errors : XXXX. XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : The account is inaccurately marked as In Collections/Charge-off. However, the balance shows {$0.00}, and the loan was closed as of XX/XX/XXXX. A {$0.00} balance indicates that the debt is resolved, and a charge-off status is unjustified per 15 U.S.C. 1681s-2.

The accounts remarks, Charged off as bad debt and Purchased by another lender, are contradictory and misleading. 

XXXXXXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Error : This account incorrectly reflects a XXXX Days Late payment status despite being closed with a {$0.00} balance as of XX/XX/XXXX. According to 15 U.S.C. 1666b, payments should be applied promptly to avoid such errors.

Payment history indicates timely payments, contradicting the reported delinquency.

Violations and Legal References : 15 U.S.C. 1666b : Requires creditors to promptly credit payments and prevent erroneous reporting. 
15 U.S.C. 1637 ( b ) : Mandates accurate billing statements.

15 U.S.C. 1681s-2 : Prohibits furnishers from reporting inaccurate or incomplete information.

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputed information. 

Requested Action : XXXX. Immediately delete the inaccurate charge-off status and remarks from the XXXX XXXX XXXX account XXXX 

XXXX. Remove the XXXX Days Late status from the XXXX XXXX XXXX account and ensure it reflects an accurate payment history. 

XXXX. Conduct a thorough investigation into these disputes and provide me with the results, including verification from the furnishers of the information. 

Supporting Documentation : I have attached the following : A copy of my credit report highlighting the disputed entries. 
Any additional documents supporting my claims. 

Conclusion : These inaccuracies are affecting my creditworthiness and financial well-being. I request a prompt resolution to this matter within the timeframe specified by the FCRA ( 30 days ). 

Please confirm receipt of this dispute and provide updates on your investigation. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-05 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$260.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-05 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$260.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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