vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: MD

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX, AMOUNT {$510.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$530.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$650.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$770.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$550.00}, ACCT # XXXX ACCOUNT : XXXX AMOUNT {$520.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$390.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$950.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$180.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$270.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$680.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$430.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$730.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$6900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX/DOFED, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3900.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$940.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX {$780.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$930.00} XXXX ACCT # XXXX Inquiries : Here is the list with the credit bureau names removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, MD. XXXX, XXXX XXXX XXXX, XXXX XXXX DC. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2024-09-13 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TransUnion CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a $ XXXX fraud. You already agreed with DOJ and NYAG that this loan is fraudulent. I have had no restitution... 

The head of mortgages for CITI, XXXX XXXX ( NMLS XXXX ) is a fraudster who stole {$1.00} XXXX plus the home-from me. XXXX XXXX XXXX he entered into a fraudulent loan application with my then husband after being referred by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for a special CITI Corporate relocation loan. Here is what the 3 men did to defraud me of over {$3.00} XXXX, XXXX falsified the application.. took the XXXX mortgage and called it and asset. $ XXXX removed the property tax from ratios. added a second XXXX  and DID AN EQUITY GRAB OF $ XXXX leaving the family penniless with a debt of $ XXXX on a $ XXXX salary. Then we made $ XXXX in payments on the fraud. Then they foreclosed when they had done as much fraud as possible -including looping... EVEN THOUGH THEY HAD SIGNED AN AGREEMENT WITH DOJ AND NYAG on XX/XX/XXXX that my loan XXXX in XXXX XXXX was fraudulent and entitled to consumer relief which I never received. you sold my loan on the open market on XXXX XXXX as part of bundle XXXX for {>= $1,000,000}. and he sold XXXX XXXX  to fraudster XXXX XXXX of XXXX XXXX XXXX as is also noted. XXXX XXXX made {$60.00} XXXX on fraudulent mortgages. How much XXXX XXXX and XXXX XXXX XXXX in commission I do not know without seeing their tax returns. To see exactly how XXXX XXXX stole from me you can read the book 'How they got away with it. White Collar Criminal and the Financial Meltdown ' by 3 professors at XXXX XXXX XXXX XXXX XXXX XXXX. CITI and XXXX feature prominently in the list of frauds. XXXX XXXX knows full well that he stole this money and my home from me and my XXXX son XXXX XXXX. We want back our money and our house back. CITI signed an agreement with the DOJ on the fraud as did XXXX and XXXX at XXXX XXXX so I am tired of fighting to get back my money from this huge fraud. So please have XXXX XXXX get a check for me from CITI for let 's say {$5.00} XXXX. seems actually very reasonable. Also I request a copy of this complaint and request for retribution be sent to the FBI and to the DOJ. Please don't send me any more copies of how you lied to XXXX XXXX at XXXX XXXX XXXX. That's perjury on top. The SEC says you took 'moral advantage ' of me. so please just pay restitution for the fraud and let 's be done. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
I am currently a victim of identity theft, I noticed that i have not just one but several accounts with different credit cards listed in my name. I am asking that my complaint gets investigated immediately. I've never seen so many different credit cards listed on my report until this month. I have proof of my identity being stolen. At this time I am asking that my complaint is taken into consideration. This is very degrading to see such activity on my 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 2024-09-13 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: CA

Complaint narrative:
on XXXX  i sent Transunion a request to block The collection account ending in XXXX an identity theft item which appears on my trans union consumer report, Trans union seems to ignore Federal law, Transunion is really out of compliance, willful non-compliant and reckless. Uses unfair practices, runs a foul when it come to Fair Credit Reporting Act ( FCRA ). CFBP I want this issue resolved.

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 2024-09-13 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: MA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am sending this request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$0.00}

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 2024-09-13 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: NV

Complaint narrative:
i move from XXXX XXXX texas to XXXX XXXX nv and fil out for a apartment an was denied do to a collection from XXXX. XXXX & XXXX for XXXX dollars for a gas bill i never had this is inaccurat infomation an need XXXX be remove off my credit report 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 2024-09-13 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: NV

Complaint narrative:
i move from XXXX XXXX texas to XXXX XXXX nv and fil out for a apartment an was denied do to a collection from XXXX. XXXX & XXXX for XXXX dollars for a gas bill i never had this is inaccurat infomation an need XXXX be remove off my credit report 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 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I started the mortgage process with XXXX and went through the entire process up to closing. During the final stages before closing, we discussed two rate options on XX/XX/XXXX at XXXXXXXX XXXX. : 5.99 % and 6.875 %. After learning that the lower rate increased closing costs, I agreed that 5.99 % was the better option. XXXX then sent me an email at XXXX XXXX. with a price breakdown I assumed was for the 5.99 % rate, as we did not discuss reviewing the other rate as I did not choose it. This breakdown showed an origination fee of {$1800.00}, which we had discussed during our phone call. However, I was confused when the closing costs totaled {$12000.00} on a {$240000.00} loan, about 5.2 %. I thought this was high and noticed some fees that didn't make sense, but reluctantly agreed due to a lack of alternatives. 

On XX/XX/XXXX, I received documents and reviewed them on XX/XX/XXXX. I noticed that the origination fee had increased to {$5100.00} and overall closing costs had risen to {$15000.00}, 6.5 % of the loan. When I questioned XXXX about this increase, he explained it was due to the cost of the lower interest rate. I pointed out that the price breakdown emailed on XX/XX/XXXX at XXXXXXXX XXXX. I assumed only reflected the 5.99 % rate, as that was the rate we agreed upon. I questioned why I received an incorrect price breakdown for the 6.875 % while not receiving the 5.99 % pricing estimate until right at signing. Despite multiple requests to negotiate the fees, XXXX has indicated that this is just the policy and there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) Please delete the account below : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
As of XX/XX/XXXX, I am known as a victim of identity theft. My identity has been stolen and used against my rights. There are a few fraudulent credit card accounts listed in my name. I would like for all of the following accounts listed in the file below to get removed expeditiously. These account doesn't belong to me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regard to the Wells Fargo XXXX fake accounts scandal. We ( Trust account ) had fraudulent accounts opened between XXXX and XXXX. My advanced aged father, in his XXXX 's, was greeted by name and assisted by a banker each time we went to the bank. We thought we were getting good service. However, managing the accounts became difficult due to the account numbers being changed and in so doing, ATM cards were issued and received by US mail. I spoke with a banker about this and had the account noted that no changes to the account and no ATM cards shall be issued without contacting me directly. The bank and I both have that documented agreement. My father never used ATM cards. They knew that. We did not require multiple checking and savings accounts. I have the fraudulent account numbers. 
I believe my father was targeted for this crime. All transactions at the bank require ID and all of the bank held documents establishing the accounts had his date of birth. 
Wells Fargo has communicated with me by form letters and I have communicated to Wells Fargo that I want the maximum penalty for the criminal offence of Elder Abuse. 
I don't believe Wells Fargo desires to pay the restitution. I want to be done with this nightmare. 
For reference : XXXX  XXXX XXXX case XXXX Thanks for your assistance.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-13 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:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

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 2024-09-13 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I called the company many times and tried to dispute. I informed them that according to the FRCA, these unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
Experian # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I called the company many times and tried to dispute. I informed them that according to the FRCA, these unauthorized items must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation