vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding inaccurate collections accounts that continue to appear on my credit report, despite my efforts to have them removed. These accounts include those from XXXX XXXX XXXX and XXXX XXXX XXXX. I want to clarify that these debts are not mine and were likely the result of identity theft that occurred around 2019. Since resolving the identity theft issue, I have been actively working to rebuild my credit and restore my financial standing to where it was prior to the fraudulent activity. However, the continued presence of these accounts is still negatively impacting my credit to this day.

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 2025-06-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EQUIFAX ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; and an electricity bill account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THE FOLLOWING ACCOUNTS AND INQUIRIES APPEARING ON MY CREDIT FILE. I'VE TRIED ASKING FOR INFORMATION, RESOLUTIONS AND DELETIONS SEVERAL TIMES. I HAVE SENT CEASE AND DISIST LETTERS PLUS MORE THROUGH EACH COMPANY AND CFPB COMPLAINTS AND THE CREDIT REPORTING AGENCY IS NOT ABIDING BY THE FCRA LAW THAT IS SUPPOSED TO PROTECT US. IAM A VICTIM OF EQUIFAX DATA BREACH AND MY INFORMATION HAS BEEN COMPROMISED THROUGH OTHER ENTITIES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTACHED IS FTC REPORT, AFFIDAVIT, ID, BANK STATEMENT WITH NAME AND ADDRESS, XXXX FORM WITH SOCIAL, FTC REPORT SIGNED BY LAW ENFORCEMENT.

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I am filing this complaint against both Southwest Credit Systems and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Billing Act. 

On or about XX/XX/2024, Southwest Credit Systems began reporting a collection account on my XXXX  credit report related to an alleged debt from XXXX in the amount of {$490.00}. I have no knowledge of this debt, nor did I authorize or open this account. 

I submitted a written debt validation request to Southwest Credit Systems, pursuant to 15 U.S. Code 1692g of the FDCPA, requesting full documentation, contracts, billing statements, and legal proof of obligation, but they have failed to provide proper verification. Under 15 U.S. Code 1692c, I also requested that all collection efforts cease until validation is provided.

In addition, I submitted a dispute directly to XXXX  under 15 U.S. Code 1681i and requested full reinvestigation. XXXX  has continued to report this unverifiable account in violation of 15 U.S. Code 1681e ( b ), which requires them to maintain reasonable procedures to ensure maximum possible accuracy.

No original billing statements have been provided to me, violating the Truth in Billing Act ( 47 U.S. Code 201 ( b ) ) which requires clear disclosure of charges and billing errors. 

Both entities have failed to properly investigate, validate, or correct the information. This has negatively impacted my credit profile, causing harm to my financial standing. 

I am requesting that : The Southwest Credit Systems account be permanently removed from all credit reporting agencies. 
XXXX  update my credit file to reflect accurate and complete information. 
Full compliance be enforced under the FCRA, FDCPA, and Truth in Billing regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I'm reaching out in hopes of finding some guidance with a challenging situation regarding the mortgage I inherited from my late parents. Since XXXX, I've been diligently working with the loan servicer, but unfortunately, I've yet to find a resolution. 

The customer service representatives have been incredibly kind and patient, taking the time to explain the process. However, I often find myself lacking clear guidance on the specifics needed to move forward successfully. 

Despite sending all necessary documents and consistently following up, I've recently received a notice of trustee sale scheduled for XX/XX/scrub>XXXX XXXX XXXX 

This is distressing as this house is our primary residence and I am now the caregiver for moms XXXX XXXX XXXX son and animals. I also have my son that attends XXXX XXXX XXXX XXXX XXXX 
I moved here with just an overnight bag to care for my mother in her last few months of life. 
I'm able to.make the monthly regular payment just not the arrears. I am doing the best I can with this whole arrangement. 
I have never had to ask for help like this my whole life and it is very embarrassing. 

Understanding the urgency, I've also reached out to various agencies, including those associated with HUD, but find myself in a bind as available resources are exhausted, and have been depleted .despite indications otherwise. 

If you have any advice, contacts, or resources that might help prevent the foreclosure, I would be incredibly grateful. My family and I are deeply concerned about losing our home, and any assistance you could offer would mean the world to us. 

Thank you so much for taking the time to read this. I look forward to any suggestions you might have. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-06 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: MA

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report the XXXX XXXX XXXX XXXX account with a disputed by consumer notation, despite the fact that the account is fully paid, closed in good standing, and reflects a perfect payment history with no delinquencies. The dispute was resolved, and under FCRA 611 ( a ) ( 5 ) ( A ), Experian is legally obligated to remove the dispute code once the investigation is completed and no modification is made. Their failure to do so constitutes a violation of FCRA 607 ( b ), which mandates that all information furnished must be accurate and not misleading.

Furthermore, retaining dispute codes after resolution is a direct breach of XXXX XXXX Compliance Guidelines, which require the removal of dispute indicators once the dispute process is concluded. This false notation is materially misleading to potential creditors, creates a deceptive perception of unresolved conflict, and undermines the integrity of my consumer report.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Meta Payments Inc.

Complaint narrative:
My XXXX and XXXX accounts were suspended and my appeal was rejected on the grounds of violating community standards on child exploitation, even though I never used my accounts to post.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-06-06 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This was a gift card given to my husband by his job they taxed him for this their was XXXX we had issues using it cause alot of places do not take the amex gift card so we used it at XXXX XXXX for gas we only used XXXX then after tried using it at a restaurant did not work I had spoken with customer service numerous times about this so next day I noticed that XXXX was taken and saw that it was a XXXX XXXX XXXX so when I do my research I noticed its a scam number or contact so I contacted the 2 places the card was used XXXX  and XXXX XXXX and told them some how my card got scammed so then I contact the amex gc number and they filed a dispute and now tell me they they are not refunding our money back which is crazy because this card has been nothing but issues so I did further research and saw that this company scams people and takes the money back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The details of the account in question are as follows : Creditor Name : [ Capital One ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Date Closed : [ XX/XX/XXXX ] Current Balance Reported : $ [ XXXX ] This account is listed as closed, yet it still shows a balance owed. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information reported is complete and accurate. A closed account should not continue to report a balance unless legally enforceable and verifiable. I am requesting the removal of this account from my credit report. Please investigate this matter and provide written confirmation of the results of your investigation. If the account can not be verified with the original creditor or is found to be inaccurate or incomplete, I respectfully request its immediate deletion from my credit file in accordance with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
XXXX Balance {$57000.00}. ACCOUNT FRAUDULENT INQUIRIES : XXXX XXXX Inquiry : XXXX XXXX, 2024 + XXXX XXXX and XXXX  Companies Other Than Personal Finance Companies XXXX  XXXX Inquiry : XXXX XXXX, 2024 + XXXX XXXX and XXXX  Companies Other Than Personal Finance Companies XXXX  XXXX  Inquiry : XXXX XXXX, 2024 + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, 2024 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2024 + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, 2024 + XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2024 + Banks XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX Inquiry : XXXX XXXX XXXX 2024 + Automotive XXXX XXXX  Inquiry : XXXX XXXX, 2024 + Banks XXXX XXXX  Inquiry : XXXX. XXXX, 2024 + Banks XXXX XXXX  XXXX XXXX : XXXX. XXXX, 2024 + Banks XXXX Inquiry : XXXX. XXXX, 2024 + Finance/Personal XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2024 + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, 2024

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 2025-06-06 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: TX

Complaint narrative:
XXXX Balance {$57000.00}. ACCOUNT FRAUDULENT INQUIRIES : XXXX XXXX Inquiry : XXXX XXXX, 2024 + XXXX XXXX and XXXX  Companies Other Than Personal Finance Companies XXXX  XXXX Inquiry : XXXX XXXX, 2024 + XXXX XXXX and XXXX  Companies Other Than Personal Finance Companies XXXX  XXXX  Inquiry : XXXX XXXX, 2024 + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, 2024 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2024 + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, 2024 + XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2024 + Banks XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX Inquiry : XXXX XXXX XXXX 2024 + Automotive XXXX XXXX  Inquiry : XXXX XXXX, 2024 + Banks XXXX XXXX  Inquiry : XXXX. XXXX, 2024 + Banks XXXX XXXX  XXXX XXXX : XXXX. XXXX, 2024 + Banks XXXX Inquiry : XXXX. XXXX, 2024 + Finance/Personal XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2024 + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, 2024

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 2025-06-06 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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