vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am in receipt of the re-investigation results conducted by Experian, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!

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 2023-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a zombie mortgage that I wasnt aware of until I tried to refinance my mortgage. I filed bankruptcy in XXXX as a result of the XXXX financial crisis and this mortgage was included. The lender is currently holding my title as ransom until they agree on settlement. Im not sure what the terms on the loan were. I requested a copy of the singed loan documents over 30 days ago via priority mail and I have not received any response from the lender. I have been working on trying to settle this since XX/XX/XXXX with multiple denials. This company did not appear at my 341 hearing.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
More than 7 years ago I submitted police complaint documents and police report showing as a victim of identity theft to the American Express company, and they continued to charge me, they filed a lawsuit with the court and never validated the information submitted on that occasion. Now in this past month they froze my bank account for an amount of {$4200.00} money that I have in the bank of my children who give them to me monthly to collect their money to buy their house. This is something unfair and an outrage against people who are victims of fraud and open accounts in our name and then banks issue cards to anyone without verifying their identity, I need your help urgently because this bank is violating my rights after more than 7 years without knowing about them appear now to freeze the money that is in the bank of my children who are also with me in the account Bank. Unfortunately I do not have the documents I sent you back then since so many years have passed since it has been so many years of disputes over identity theft which opened not only that account, but about 4 more thankfully verified everything that was indeed identity theft except American Express. Never in my life had account with that bank, please help me I am very desperate with this situation even the number of DOCKET is XXXX XXXX XXXX XXXX WITH A MARSHAL called XXXX XXXX, with phone XXXX and email : XXXX I have difficulty communicating because I do not speak XXXX and I currently use XXXX translate to write to you to intercede with this harassment of the bank that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
HI CFPB, I TRY TO REACH OUT TO EQUIFAX AND XXXX REGARDING MY CREDIT REPORT ABOUT MY NAME IS REPORTED INCORRECTLY, MY FULL NAME IS : XXXX XXXX XXXX NAME REPORTED INCORRECT : XXXX XXXX THEY ALSO REPORTED MY HOME ADDRESS INCORRECTLY I HAVE NEVER LIVE IN THE FOLLOWING ADDRESSES. 
PLEASE GET THEM TO REMOVED THIS ADDRESS OFF MY CREDIT REPORT. 

I WOULD LIKE TO DISPUTE THIS XXXX ADDRESS. 
1. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX, XXXX, CA XXXX 3. XXXX XXXX XXXX, XXXX, CA XXXX 4. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 : Account Name XXXX XXXX # XXXX 2 : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXXXXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX last XXXX # XXXX XXXX XXXX Account Name XXXX XXXX  last Four # XXXX U.S.C 1681 section 602 A. States 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 a account without my writter 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 : Account Name XXXX XXXX # XXXX 2 : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX  # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX last four # XXXX XXXX XXXX Account Name XXXX XXXX  last Four # XXXX U.S.C 1681 section 602 A. States 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 a account without my writter 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I vehemently deny authorizing any of the following activity on my bank accounts ; however, the bank is refusing to reimburse my funds. I have taken the following steps to resolve this issue and prove to Chase that I was a victim of fraud : I realized my account had been compromised after logging into my online account on XX/XX/XXXX. My checking and savings accounts were drained by unauthorized transactions. In regards to my savings account, an unauthorized transfer of {$4700.00} was made to my checking account. In regards to my checking account, {$5400.00} worth of unauthorized transactions were allowed to occur by my bank. I immediately called my bank on XX/XX/XXXX, to report the fraudulent activity on my accounts. 

The Chase representative then opened a dispute on my behalf and stated I should hear from them within 10 business days. 
The Chase fraud department also locked my accounts and created a new username and password for online banking. The associate instructed a new debit card would be sent to me. When I asked the bank associate if I need to call the police, I was told no. The bank stated law enforcement would merely call them. 

I took it upon myself to make an identity theft report with the Federal Trade Commission and place a security freeze on my credit report the very same day. 
I also changed my email passwords and enabled 2-step authentication. 

On XX/XX/XXXX I visited my local Chase bank to close accounts and speak to a banker about fraud resolution. I informed the banker of the steps I have taken thus far and asked for further directions or guidance related to the fraud. I was only told that an investigation was taking place and I should be reimbursed within 10 business days. The banker confiscated my debit card to destroy, then created a new checking and savings account. 

On XX/XX/XXXX, I called the fraud department to check on the status of the investigation. I was informed that Chase closed my dispute because they believed the transactions were authorized. I escalated the call to a supervisor who informed me they would re-open the dispute and re-investigate the claim, and I would hear back from them in 3-5 business days. On XX/XX/XXXX, I sent through Chase online secure messages a request for any and all documents relied upon to make the decision not to reimburse me for the unauthorized transactions. On XX/XX/XXXX, I sent a copy of the Identity Theft Report made with the Federal Trade Commision as well as proof of the placement of a security freeze on my credit reports. I am still waiting on their decision ; however if you can offer any further advice or support regarding this issue it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
there are 4 accounts that do not belong to me and needs to be remove from MY XXXX credit report also 4 inquries XXXX DATE OPEN : XX/XX/XXXX BALANCE IS {$940.00} 2.XXXX XXXX DATE OPEN : XXXX XXXX BALANCE IS XXXX XXXX. XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX BALANCE XXXX XXXX. XXXX XXXX XXXX : DATE OPEN XXXX XXXX XXXX BALANCE INQURIES 1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute a specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this remaining erroneous account immediately. 

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: AZ

Complaint narrative:
I have no knowledge or dealing or ever signing any contract and agreement with ENHANCED RECOVERY COLLECTION who flagged my CRA account as Collections on XX/XX/2023. Source : XXXX XXXX : ENHANCED RECOVERY COLLECTION XXXX XXXX XXXX, XXXX, XXXX  XXXX : ( XXXX ) XXXX Re : XXXX XXXX XXXX ( Collections Balance Date : XX/XX/2023 Balance : {$240.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 no jurisdiction as a third-party vendor to flag my CRA accounts . I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212. I have already sent all creditors certified mail and cced all CRA bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Received notice of tax refund used for debt notice in the mail sent XX/XX/2023 by the Michigan treasury department for XXXX. I have not taken any action because I did not know I was being sued by XXXX XXXX I XXXX XXXX XXXX This debt is well over 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX & XXXX Original creditor XXXX XXXX XXXX : {$260.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$470.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00}, XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Bureaus to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. Although I greatly appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there are still accounts and information remained that should have been removed. I recently received a copy of my credit report and was shocked to find that there are still items that I did not open and have no knowledge of being reported without being properly verified. I need the following items removed witho no exceptions : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed items truly belong to me, I require the Credit bureaus to send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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