vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX XXXX XXXX : acct # : 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX ( XXXX ) Hard Inquieres 1. XXXX ( XX/XX/year> ) 2. XXXX  ( XX/XX/year> ) 3. XXXX ( XX/XX/year> ) 4. XXXX ( XX/XX/year> ) 5. XXXX XXXX XXXX ( XX/XX/year> ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MN

Complaint narrative:
In accordance with the fair credit report act. The last of account below has violated my federally protected consumer right to privacy and confidentiality under U.S.C. 1681. 
Account Name ... XXXX Account # XXXX Account Name..XXXX XXXX XXXX Account # XXXX Account Name... Credit Collection Account # XXXX Account Name... XXXX and XXXX XXXX Account # XXXX Account Name... XXXX XXXX XXXX Account # XXXX Account Name... XXXX XXXX XXXXXXXX Account # XXXX Account Name..XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name... XXXX XXXXXXXX XXXX Account # XXXX Account Name ... XXXX XXXX XXXX Account Name... XXXX XXXX  Account Name ... XXXX  XXXX Account Name ... XXXX XXXX XXXX XXXX Account Name... XXXX XXXX XXXXccount Name ... XXXX Account Name... XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 Section 602 A. State I have the right to privacy.

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

15 U.S.C 1681 C ( A ) ( 5 ) Section state : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years/ 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being, I have rights under 15 U.S.C.

Experian is governed by 15 U.S.C 1681 and they violated my right numerous times. I demand the accounts listed 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 2025-03-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the fair credit report act. The last of account below has violated my federally protected consumer right to privacy and confidentiality under U.S.C. 1681. 
Account Name ... XXXX Account # XXXX Account Name..XXXX XXXX XXXX Account # XXXX Account Name... Credit Collection Account # XXXX Account Name... XXXX and XXXX XXXX Account # XXXX Account Name... XXXX XXXX XXXX Account # XXXX Account Name... XXXX XXXX XXXXXXXX Account # XXXX Account Name..XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name... XXXX XXXXXXXX XXXX Account # XXXX Account Name ... XXXX XXXX XXXX Account Name... XXXX XXXX  Account Name ... XXXX  XXXX Account Name ... XXXX XXXX XXXX XXXX Account Name... XXXX XXXX XXXXccount Name ... XXXX Account Name... XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 Section 602 A. State I have the right to privacy.

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

15 U.S.C 1681 C ( A ) ( 5 ) Section state : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years/ 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being, I have rights under 15 U.S.C.

Experian is governed by 15 U.S.C 1681 and they violated my right numerous times. I demand the accounts listed be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I recieved a copy of my credit report to find the following item i dont recognize. I have explained the discrepancies of the following hard inquiries from XXXX XXXX Bank and XXXX XXXX. to my records the account that is being reported on my account is unrecognizable. I would like that this be remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH YOUR COMPANY AFFIANT : XXXX : XXXX XXXX 
DEFENDANT : TRANSWORLD SYSTEMS INC D-U-N-S number : XXXX BOND SUITCASE XXXX XXXX XXXX XXXX AFTER XXXX XXXX XXXX Washington XXXX PA RE XXXX ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $????? 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : REPEATED OFFENDER TRANSWORLD SYSTEMS INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING FDCPA USC 1692D I NEVER gave your company consent to use this account/estate XXXX XXXX XXXX IN COMMERCE EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR TRANSWORLD BLUNTY, AFFIANT .XXXX : XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
Equifax, Experian & TransUnion all say they are getting Bankruptcy information for XXXX Bankruptcy Court PA when I have already provided them PROOF that the court is not reporting it. 
XXXX XXXX clams their source is XXXX  reporting it, therefore the information on my reports in INACCURATE. 
Please remove IMMEDIATELY.

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 2025-03-25 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: AZ

Complaint narrative:
Equifax, Experian & TransUnion all say they are getting Bankruptcy information for XXXX Bankruptcy Court PA when I have already provided them PROOF that the court is not reporting it. 
XXXX XXXX clams their source is XXXX  reporting it, therefore the information on my reports in INACCURATE. 
Please remove IMMEDIATELY.

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 2025-03-25 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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 am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a Sr. or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
the listed inquiries inwhich I have no knowledge of are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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: VA

Complaint narrative:
the listed inquiries inwhich I have no knowledge of are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST 4 OF SSN # XXXX XXXX : XXXX Date XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX a f f i d a v i t Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company .. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the FAIR CREDIT REPORTING ACT 15 U.S.

Codes 1681b permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting i n a c c u r a t e i n f o r m a t i o n. A 1.l a m asking for the original application bearing my signature 2. Method of verification 3. Who verified the account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for t h e allege debt 6. Proof that it was me who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these SIX request will result in me taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediately. XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX ... l would like these accounts deleted immediately!!!!! within 30days of this letter...

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 2025-03-25 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: Skopos Financial, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST 4 OF SSN # XXXX XXXX : XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a f f i d a v i t Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company .. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the FAIR CREDIT REPORTING ACT 15 U.S.

Codes 1681b permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting i n a c c u r a t e i n f o r m a t i o n. A 1.l a m asking for the original application bearing my signature 2. Method of verification 3. Who verified the account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for t h e allege debt 6. Proof that it was me who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these SIX request will result in me taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediately. XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  # XXXX skopos # XXXX XXXX XXXX XXXXXXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX ... l would like these accounts deleted immediately!!!!! within 30days of this letter...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST 4 OF SSN # XXXX XXXX : XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a f f i d a v i t Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company .. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the

FAIR CREDIT REPORTING ACT 1 5 U.S. Codes 1681b
permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting i n a c c u r a t e i n f o r m a t i o n. A 1.l a m asking for the original application bearing my signature 2. Method of verification 3. Who verified the account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for t h e allege debt 6. Proof that it was me who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these SIX request will result in me taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediately. XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ... l would like these accounts deleted immediately!!!!! within 30days of this letter...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting me.

Company response to consumer: Closed with non-monetary relief