vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
WITH RESPECT TO THOSE THIS MATTER CONCERNS, UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT, YOU ARE CLAIMING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVELY IMPACTED. MOREOVER, YOU CLAIM TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS.

UNDER 15 USC 1666B, A CREDITOR CAN NOT LEGALLY REPORT A PAYMENT AS LATE IF THEY HAVE NOT ENSURED THAT THE PERIODIC STATEMENT, CONTAINING THE REQUIRED INFORMATION UNDER SECTION 1637 ( B ), WAS MAILED OR DELIVERED TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE DUE DATE. SINCE THE CREDITOR FAILED TO MEET THIS OBLIGATION, I REQUEST THAT YOU UPDATE THE LATE PAYMENTS ON MY ACCOUNT TO REFLECT POSITIVE, ON-TIME PAYMENTS. 
I WAS ALSO REFUSED CREDIT BY THE LENDERS LISTED BELOW. ADVERSE ACTION AGAINST A CONSUMER IS PROHIBITED BY 15 USC 1691C AND 15 USC 1692K AND IS PUNISHABLE BY CIVIL LIABILITY. THESE BUSINESSES VIOLATED 15 USC 1691 BECAUSE I HAVE PROOF THAT I WAS THE VICTIM OF DISCRIMINATION DUE TO THE REACTION I RECEIVED. MY SOCIAL SECURITY ( MY CREDIT CARD ) WAS USED BUT RECEIVED NOTHING IN RETURN. PLEASE REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT.

YOU KNOW THAT REPORTING INFORMATION THAT CAN NOT BE INDEPENDENTLY VERIFIED IS ILLEGAL. PLEASE GIVE ME HARD PROOF THAT I AM RESPONSIBLE FOR THOSE ACCOUNTS IN LINE WITH 15 USC 1692G.

YOU ARE ALSO IN VIOLATION OF 15 USC 1681B BECAUSE I HAVE NEVER GIVEN YOU OR ANY OF THESE COMPANIES FORMAL PERMISSION TO DISCLOSE ANY INFORMATION ON MY CREDIT REPORT. THIS UNJUST AND UNFAIR TREATMENT HAS CAUSED ME XXXX XXXXXXXX AND XXXXXXXX XXXXLET ME REMIND YOU THAT ANY NEGATIVE ACCOUNTS/REMARKS ON MY CREDIT REPORT ARE ILLEGAL UNDER THE FCRA AND FDCPA IF YOU CAN NOT PROVIDE EVIDENCE TO SUPPORT THEM. I NEVER GAVE MY OFFICIAL CONSENT FOR THIS INFORMATION TO BE DISCLOSED. YOU MUST BLOCK AND REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT IF YOU CAN'T GIVE DETAILED DOCUMENTATION ABOUT YOUR VALIDATION, VERIFICATION, AND COMPLIANCE PROCEDURES.

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 2025-01-03 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: IL

Complaint narrative:
WITH RESPECT TO THOSE THIS MATTER CONCERNS, UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT, YOU ARE CLAIMING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVELY IMPACTED. MOREOVER, YOU CLAIM TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 
UNDER XXXX5 USC 1666B, A CREDITOR CAN NOT LEGALLY REPORT A PAYMENT AS LATE IF THEY HAVE NOT ENSURED THAT THE PERIODIC STATEMENT, CONTAINING THE REQUIRED INFORMATION UNDER SECTION 1637 ( B ), WAS MAILED OR DELIVERED TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE DUE DATE. SINCE THE CREDITOR FAILED TO MEET THIS OBLIGATION, I REQUEST THAT YOU UPDATE THE LATE PAYMENTS ON MY ACCOUNT TO REFLECT POSITIVE, ON-TIME PAYMENTS. 
I WAS ALSO REFUSED CREDIT BY THE LENDERS LISTED BELOW. ADVERSE ACTION AGAINST A CONSUMER IS PROHIBITED BY 15 USC 1691C AND 15 USC 1692K AND IS PUNISHABLE BY CIVIL LIABILITY. THESE BUSINESSES VIOLATED 15 USC 1691 BECAUSE I HAVE PROOF THAT I WAS THE VICTIM OF DISCRIMINATION DUE TO THE REACTION I RECEIVED. MY SOCIAL SECURITY ( MY CREDIT CARD ) WAS USED BUT RECEIVED NOTHING IN RETURN. PLEASE REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT. 
YOU KNOW THAT REPORTING INFORMATION THAT CAN NOT BE INDEPENDENTLY VERIFIED IS ILLEGAL. PLEASE GIVE ME HARD PROOF THAT I AM RESPONSIBLE FOR THOSE ACCOUNTS IN LINE WITH 15 USC 1692G.

YOU ARE ALSO IN VIOLATION OF 15 USC 1681B BECAUSE I HAVE NEVER GIVEN YOU OR ANY OF THESE COMPANIES FORMAL PERMISSION TO DISCLOSE ANY INFORMATION ON MY CREDIT REPORT. THIS UNJUST AND UNFAIR TREATMENT HAS CAUSED ME XXXX XXXXXXXX AND XXXX 
LET ME REMIND YOU THAT ANY NEGATIVE ACCOUNTS/REMARKS ON MY CREDIT REPORT ARE ILLEGAL UNDER THE FCRA AND FDCPA IF YOU CAN NOT PROVIDE EVIDENCE TO SUPPORT THEM. I NEVER GAVE MY OFFICIAL CONSENT FOR THIS INFORMATION TO BE DISCLOSED. YOU MUST BLOCK AND REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT IF YOU CAN'T GIVE DETAILED DOCUMENTATION ABOUT YOUR VALIDATION, VERIFICATION, AND COMPLIANCE PROCEDURES.

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 2025-01-03 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: GA

Complaint narrative:
My information has been involved in the credit data breach. There is information on my report that does not belong to me and is incorrect.

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 2025-01-03 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: GA

Complaint narrative:
My information has been involved in the credit data breach. There is information on my report that does not belong to me and is incorrect.

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 2025-01-03 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reached out to get things removed because of incorrect information

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 2025-01-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-01-03 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: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had my phone stolen I filed dispute they denied it I appealed it I had police report, the arrest paperwork, the bank statement to them, state attorney wrote letter they told me nope and there's nothing I can do as they were laughing putting me on mute if I didn't get hung up on I mean why isn't the phone in XXXX with the real XXXX, XXXX, XXXX what a joke when they say American names your allowing other country to insult us deny us of our money and your ok with this my XXXX XXXX XXXX and I was trying to XXXX  them while fighting this it's been almost a year I'm not stopping chime you should be ashamed of your self to treat us this way I will see you in court I even have the state and law enforcement behind me your going to definitely pay for this your theives I think those workers over there are taking our money closing accounts and really who checking NO ONE XXXX XXXX  YOUR THIEVES BUT IM GOING TO ATTY GENERAL THE HIGHEST LEGAL POSITION I CAN TO PROVE SOMETHING WRONG IN YOUR COMPANY I HAVE RECORDED PHONE CALLS AND WROTE EVERYTHING DOWN I AM SO XXXX I WANT MY XXXX DOLLARS BACK I WORKED MY XXXX OFF FOR THAT TO HELP ME PUT MY DAUGHTERS TO REST AND YOUR BANK HAD ME BEGGING FOR HELP ALWHILE YOU STOLE WHAT COULD OF HELP ME YOU PEOPLE ABSOLUTELY MAKE ME SICK TO MY stomach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
WITH RESPECT TO THOSE THIS MATTER CONCERNS, UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT, YOU ARE CLAIMING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVELY IMPACTED. MOREOVER, YOU CLAIM TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 
UNDER 15 USC 1666B, A CREDITOR CAN NOT LEGALLY REPORT A PAYMENT AS LATE IF THEY HAVE NOT ENSURED THAT THE PERIODIC STATEMENT, CONTAINING THE REQUIRED INFORMATION UNDER SECTION 1637 ( B ), WAS MAILED OR DELIVERED TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE DUE DATE. SINCE THE CREDITOR FAILED TO MEET THIS OBLIGATION, I REQUEST THAT YOU UPDATE THE LATE PAYMENTS ON MY ACCOUNT TO REFLECT POSITIVE, ON-TIME PAYMENTS. 
I WAS ALSO REFUSED CREDIT BY THE LENDERS LISTED BELOW. ADVERSE ACTION AGAINST A CONSUMER IS PROHIBITED BY 15 USC 1691C AND 15 USC 1692K AND IS PUNISHABLE BY CIVIL LIABILITY. THESE BUSINESSES VIOLATED 15 USC 1691 BECAUSE I HAVE PROOF THAT I WAS THE VICTIM OF DISCRIMINATION DUE TO THE REACTION I RECEIVED. MY SOCIAL SECURITY ( MY CREDIT CARD ) WAS USED BUT RECEIVED NOTHING IN RETURN. PLEASE REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT. 
YOU KNOW THAT REPORTING INFORMATION THAT CAN NOT BE INDEPENDENTLY VERIFIED IS ILLEGAL. PLEASE GIVE ME HARD PROOF THAT I AM RESPONSIBLE FOR THOSE ACCOUNTS IN LINE WITH 15 USC 1692G. 
YOU ARE ALSO IN VIOLATION OF 15 USC 1681B BECAUSE I HAVE NEVER GIVEN YOU OR ANY OF THESE COMPANIES FORMAL PERMISSION TO DISCLOSE ANY INFORMATION ON MY CREDIT REPORT. THIS UNJUST AND UNFAIR TREATMENT HAS CAUSED ME XXXX XXXXXXXX AND XXXX 
LET ME REMIND YOU THAT ANY NEGATIVE ACCOUNTS/REMARKS ON MY CREDIT REPORT ARE ILLEGAL UNDER THE FCRA AND FDCPA IF YOU CAN NOT PROVIDE EVIDENCE TO SUPPORT THEM. I NEVER GAVE MY OFFICIAL CONSENT FOR THIS INFORMATION TO BE DISCLOSED. YOU MUST BLOCK AND REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT IF YOU CAN'T GIVE DETAILED DOCUMENTATION ABOUT YOUR VALIDATION, VERIFICATION, AND COMPLIANCE PROCEDURES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
I am reaching out regarding a challenging situation with a money transfer. In XX/XX/year>, I used Ria ( https : //www.riamoneytransfer.com/ ) to send {$2000.00} to support my family back home in XXXX. Unfortunately, the transfer took much longer than expected, so I contacted Ria to cancel it. While they did cancel the transaction, they never refunded me the amount. 
ORDER NUMBER TRANSACTION DATE AMOUNT XXXX XX/XX/year> {$1000.00} XXXX XX/XX/year> {$1000.00} Ive tried everything I can think of to resolve this. I called Ria multiple times, but they were unable to issue the refund. I even filed a complaint with the Department of Financial Services, but sadly, I didnt receive any resolution. 

Feeling out of options, I turned to XXXX XXXX, explained my predicament, and they kindly refunded me {$1500.00}. However, I am now receiving emails from Rias collections department, asking me to return the amount that the bank refunded. They are threatening me with lawsuit and bullying me and fear mongering me.

I feel stuck and unsure of what to do next. I want to resolve this situation properly, but Im not sure how to proceed. Could you please advise me by investigating the issue and finding a solution?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-03 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: AR

Complaint narrative:
Due to the numerous counts of data breaches that I have been subject to and the severity of each one directly involving my PII information, I have endured Delinquent and Derogatory marks to such a degree that I can not recover.

For the past 7 years the data furnishers, collectors, and credit bureaus have directly given me a false identity. They have set up reports and made scores from information that is so far apart from me for so long that I literally can not defend myself. 


To paint a much vivid picture and give a complete understanding. It is a common act of human nature to live a lifestyle beyond one 's financial means and be consumed in unmanageable debt. Then try to point the blame at something or someone else. 
XXXX  But the entire 7-year span that I am referring to, I have filed countless disputes with credit bureaus, banks, credit card companies/grantors, and data furnishers. I have filed police reports, called random numbers that are linked to any activity on my reports, begged and pleaded with strangers, and have lost hope. When I dispute anything on my report it comes back validated by furnishers. When I call furnishers and ask where they get info and demand them to correct the fraudulent information, I'm then told there are laws that limit the data they are allowed to delete. 

It's like I'm fighting a battle 3 against 1. I do not understand how a credit bureau can deliver the information that they compiled of my life to criminals and then even tell me the criminals for sure have it posted the dark web then turn around again and tell me the low score on my report along with the 85 inquiries is me being irresponsible with my credit and life decisions.

There are laws such as 15 U.S. Code 1681 that are being violated by XXXX and XXXX because they did not protect the reports they have on my life.

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 2025-01-03 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: AR

Complaint narrative:
Due to the numerous counts of data breaches that I have been subject to and the severity of each XXXX directly involving my PII information, I have endured Delinquent and Derogatory marks to such a degree that I can not recover. 


For the past 7 years the data furnishers, collectors, and credit bureaus have directly given me a false identity. They have set up reports and made

scores from information that is so far apart from me for so long that I literally can not defend myself. To paint a much vivid picture and give a complete understanding. It is a common act of human nature to live a lifestyle beyond one 's financial means and be consumed in unmanageable debt. Then try to point the blame at something or someone else. 
XXXX  But the entire XXXX span that I am referring to, I have filed countless disputes with credit bureaus, banks, credit card companies/grantors, and data furnishers. I have filed police reports, called random numbers that are linked to any activity on my reports, begged and pleaded with strangers, and have lost hope. When I dispute anything on my report it comes back validated by furnishers. When I call furnishers and ask where they get info and demand them to correct the fraudulent information, I'm then told there are laws that limit the data they are allowed to delete. 

It's like I'm fighting a battle XXXX against XXXX. I do not understand how a credit bureau can deliver the information that they compiled of my life to criminals and then even tell me the criminals for sure have it posted the dark web then turn around again and tell me the low score on my report along with the XXXX inquiries is me being irresponsible with my credit and life decisions. 

There are laws such as XXXX XXXX XXXX XXXX that are being violated by XXXX and Experian because they did not protect the reports they have on my life.

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