vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: WA

Complaint narrative:
I am a documented fraud victim with an Extended Fraud Alert and a security freeze in place under FCRA 605A ( b ). 

Equifax is reporting a charged-off account from XXXX XXXX XXXX XXXX that is inaccurate and unverifiable. 

I have disputed this account with both Equifax and XXXX XXXX XXXX XXXX, requesting original signed contracts, a complete payment history, and charge-off documentation as required under FCRA 1681i and 1681s-2 ( b ). Neither party has provided proof, yet the account continues to be reported as accurate.

This violates the federal requirement for maximum possible accuracy and my rights as a consumer under the Fair Credit Reporting Act and Louisiana state law ( XXXX. XXXX ). 

I request immediate permanent deletion of this tradeline from my credit report and written confirmation of the deletion from both Equifax and XXXX XXXX XXXX XXXX. 

Supporting documents ( dispute letters, fraud alert proof, certified mail receipts ) are attached. 
And Im dv victim this causing me to be in danger Requested Resolution : Permanent deletion of the XXXX XXXX XXXX XXXX XXXX from Equifax. 
Written confirmation from both Equifax and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
In XXXX, I lived at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. I provided proper notice of my early move-out due to a job relocation, signed a buyout agreement, and paid the full buyout amount of {$2300.00} on XX/XX/XXXX ( bank statement and agreement attached ). I also paid for professional cleaning before vacating on XX/XX/XXXX. 

Despite fulfilling my obligations, in XX/XX/XXXX I received an email claiming I still owed rent for XXXX - even though I had vacated in XXXX. I replied that my buyout was fully paid and requested that further inquiries be sent to my attorney. 

I was never contacted again and received no collection notices. My contact information ( email and phone ) has remained the same since XXXX. I was approved for multiple rentals and purchased a vehicle in XXXX without issue. 

On XX/XX/XXXX, I discovered through a credit monitoring app that National Credit Systems had been reporting a collection account ( Account # XXXX ) opened on XX/XX/XXXX, in the amount of {$1700.00}, allegedly tied to my former apartment. I had never been notified of this debt. 

I immediately disputed this account via certified mail with both XXXX and all three credit bureaus on XX/XX/XXXX, attaching all evidence. XXXX  has confirmed the account is not reporting. XXXX  and XXXX  have not resolved the matter, and XXXX has not provided proof of the debt. 

XXXX  continues to report this unverified collection despite my disputes and evidence. This has caused ongoing credit damage for nearly six years without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 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: AL

Complaint narrative:
I was reviewing my credit report and notice inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX this year, XXXX was withdrawn from my bank account ( XXXX XXXX XXXX ) by Coinbase, a cryptocurrency that I do not have an account for or use in any way shape or form. I tried to contact my bank, and they told me that they can not view the transaction as it is a ACH transaction. I tried to contact Coinbase, but it requires that I have an account to contact them, and as they have taken money from me, that is not something I will entertain in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Abra

Complaint narrative:
I have been using Abra wallet since XXXX.no problems have arised until XXXX.My last withdrawal was XX/XX/XXXX when I withdrew XXXX of my Holdings.I opened it again this XX/XX/XXXX to withdraw again because my crypto holdings went up in value.My account relected my holdings was now XXXX Usd more or less.When I was about to withdraw, my account balance suddenly XXXX  out.I checked the transaction history but no withdrawals were made.I reached out to support and submitted a ticket.they replied and said they will look on to it but its now more than a month no actions were made.When I email them, replies were all computer generated.I have the same case with my wife.Her account worth XXXX Usd has also been XXXX  out.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ADP Inc.
State: TN

Complaint narrative:
I need to know where is my money and who withdraw from my account when I would ask them to sent me a new card while this is happing to my account all they keep saying is that the money was token and I did the transaction XX/XX/XXXX  Wisely blocked {$800.00} transaction at XXXX XXXX XXXX XXXX If this was you, reply YES and retry. If not, reply NO to LOCK card. INFO for info. STOP to opt-out telephone Wisely block {$400.00} on a transaction XXXXXXXX XXXX XXXX XXXXXXXX If this was you reply YES and retry. If not, reply, NO to LOCK card. INFO for info STOP to opt-out telephone Wisely blocked a {$500.00} transaction at XXXX XXXX XXXX XXXX  If this was you, reply YES and retry. If not, reply NO to LOCK card. INFO for info. STOP to opt-out telephone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I am filing a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding an unauthorized disclosure of my student loan records and personally identifiable information ( PII ). 

On XX/XX/2025, I became aware that my student loan information, including my Social Security number, address, payment history, etc., was accessed or disclosed without my consent. This appears to have occurred through XXXX XXXX and is a direct violation of FERPA protections. 

Because of this breach, unlawfully obtained and inaccurate student loan information has been furnished to consumer reporting agencies. This has caused direct harm to my credit profile and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I am filing this complaint regarding an inaccurate item ( Eastern Account System ) on my XXXX  credit report that continues to negatively impact my credit. According to the FCRA, I am entitled to dispute the accuracy of information on my credit report due to XXXX  being sued for reporting inaccurate information recently. Thank you for your consideration and understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Dear Sir/Madam, The Consumer Financial Protection Bureau has long enjoyed a good reputation for protecting consumers in various countries. First of all, we would like to express our respect to you! That is precisely why, when I fell victim to fraud, the first thing that came to mind was your bureau.Previously, I had no idea how to file a complaint with your bureau and couldnt find a contact email either! It wasnt until a few days ago that I learned I could leave a message online. Thank goodness! I am filing a complaint against HSBC Bank XXXX XXXX for the following issues : 1.After withdrawing from personal banking services ( except for high-net-worth clients with {$75000.00} or more ), it has long been engaging in unauthorized small-amount business services on behalf of HSBC Bank XXXX XXXX in violation of regulations . 
2.Despite knowing that it was not the corresponding intermediary bank, it forcibly processed remittances to the XXXX twice XXXX in XXXX and XX/XX/year>. As expected, the remittances were returned, causing consumers to suffer unnecessary delays and financial losses. Most egregiously, it repeated the same mistake twice, showing a complete disregard for consumers ' interests. It only focused on collecting fees from both parties and prioritizing the interests of HSBC Bank XXXX XXXX3.After the two refund incidents occurred one after another, HSBC XXXX XXXX did not reflect on its own faultswhy the same mistake was repeated and how to avoid it in the future. Instead, for the interests of its small group ( HSBC XXXX XXXX and HSBC XXXX XXXX belong to the same group ), it chose to deceive consumers, consistently evaded the questions, and concealed the truth. This was the case after the first incident, which led to the consumer being harmed a second time. Even after the second incident, it continued to hide the truth! It was not until I obtained information from the XXXX XXXX XXXX XXXX that I learned the truth. I am extremely angry! I never expected such a shameless bank to exist in New York, XXXX. Therefore, I am filing this complaint with your bureau : first, to seek justice for all victims ; second, to urge your bureau to conduct supervision and law enforcement to teach HSBC XXXX XXXX  a lesson that it will never forget, so that it will no longer dare to defraud consumers in the future. Thank you very much! May God bless you.Please forgive any awkward expressions or inaccuracies, as English is not my native language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
There are several inaccuracies that have not been resolved on my credit 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I attempted to create an account with Experian to freeze my credit after receiving an alert that my personal information was leaked on the dark web. However, I was unable to verify my account because Experian already has an existing account associated with fraudulent information in my name. When trying to verify my new account, Experian required sending verification codes to email addresses and phone numbers that I do not recognize and did not authorize. 

Experian has refused to provide any assistance to resolve this issue. Their automated phone system does not allow me to speak with a live representative to explain or fix the problem. They have given me no way to correct the fraudulent information or access my credit report without verifying through the fraudulent contact details they have on file.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, WFBNA Card Services started calling my phone for a debt that I do not know of. They have no proof of this account for {$1600.00}. They call twice a day. I just recently stopped answering their calls. 

On XX/XX/XXXX, someone opened a credit card with XXXX XXXXXXXX XXXX for {$600.00}. I have received a few letters, but I didn't pay attention to those letters until I ran my credit. 

On XX/XX/XXXX, I saw an account opened with XXXX, and no one has contacted me regarding this account for {$310.00}.

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 2025-08-10 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: GA

Complaint narrative:
The investigation did not fix the negative accounts affecting my credit 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 2025-08-10 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: GA

Complaint narrative:
The investigation did not fix the negative accounts affecting my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
THIS IS FIRST TIME IN MY LIFE I AM SEEING THIS TO HAPPEN TO ANYONE AND ITS ME, SO PEOPLE HAD BEEN STEALING FROM ME AND UNDER MY NAME, I DONT KNOW HOW THIS STARTED BUT NOW THEY ARE JUST DOING OPEN FRAUD UNDER MY NAME WHICH IS UNBVELIEVABLE I AM VERY MAD AND TIRED ABOUT IT I JUST WANT THIS END AND I HOPE YOU CAN HELP ME WITH THIS. XXXX FRAUD WAS ABOUT THESE INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I KNOW YOU CAN HELP ME AND THIS CAN BE ASSISTED AS WELL. I AM VERY THANKFUL OF YOUR WORK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I obtained my consumer report from Early Warning Services ( EWS ) and found : 1.Multiple inaccurate and/or unverifiable accounts being reported as closed, overdrawn, account abuse, or purged some of which have been paid in full but are still showing as derogatory. 
2.Over 30 unauthorized inquiries for which I never provided written authorization or permissible purpose under 15 U.S.C. 1681b. 
3.Incorrect personal information My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX, but EWS is reporting it as XXXX XXXX XXXX XXXX. This inaccuracy must be corrected to prevent mixed-file issues. 

I sent EWS a formal dispute under the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681e ( b ), and 1681b, requesting that they delete or block all unverifiable accounts and inquiries and correct my address. 
Accounts in dispute : XXXX XXXX ending in XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ending in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX ending in XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX Inquiries in dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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