vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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:
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 accounts 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 accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
So my mother bought a vanilla gift card for me for my XXXX  and get on my feet. I was trying to get small items and make a purchase getting stuff i need. I've noticed when i tried to make a purchase it wouldn't go through and that i had to wait for 3-5 days and that if i wont to buy the stuff asap i can call the card number. So i did and contact the sales reprensantive that my card not working, she seemed irritated and said wait fr a week. I was nervous and just okay whatever. On top of that, to check what was wrong, i tried logging in vanillagiftcard, com/balance it wouldn't let me log in!!! No matter how many times I tried it wouldn't let me get through to login into my account to check the balance. So i had to call instead to check to tell me the balance. So the next day i went to a grocery store to buy some food, I couldn't pay!! So i called, it told me that it's been swiped out and spent at out of state when i live in XXXX California and got this card through via a grocery store. I was panicking and crying because this money is to help me established my testing coverage. I contacted them and gave me a dispute form to fill out and signed but in my intuition and looking online how people have XXXX of dollars taken away and don't get a refund, I really can't have that especially in the brink of homelessness. So i appreciate it so much if i for sure get my money back especially i have nothing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account XXXX XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported on my credit file Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 
Further more XXXX XXXX XXXX ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I had a reduction of income hardship due to XXXX I had reduced hours and forced career change. After having XXXX in early 2021, I couldnt return to normal duties at work. I lost my XXXX endorsement. I was not able to pass my XXXX XXXX XXXXXXXX XXXX  due to the XXXX XXXX  of XXXX on my body. Im dealing with XXXX  to get my endorsement back. After I regained normal energy and XXXX XXXX, I focus on XXXX XXXX and not XXXX XXXX. Ive been able to make study payments but due to my loan status Loan Depot I couldnt accept any of my payments. I have a consistent work history and I can make consistent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2024-03-04 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NC

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}

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 2024-03-04 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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX Account # XXXX Late XX/XX/XXXX, XX/XX/XXXX XXXX # XXXX Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account XXXX XXXX Late XX/XX/XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; You reported transactions on my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

69 The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported on my credit file Deleted from my consumer reports effective immediately.

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time.

Further more 15 USC 1666b ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2024-03-04 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX 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 2024-03-04 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:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-04 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: AE

Complaint narrative:
After further review of my Experian credit report, I've noticed there are 3 names, 37 addresses, 4 employers and 3 phone numbers and 1 Hard Inquiry which do not match my current records. I need ALL addresses on my Experian credit file DELETED. Addresses reporting on file I do not reside. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is a non-mailable address and therefor inaccurate. Updated address is : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. Updated Name : XXXX XXXX XXXX. Please remove ALL phones numbers on file. Please remove ALL employers from credit file. Please remove 1 hard inquiry.

Failure to remove the requested information will result in an immediate violations of my right to privacy as a federal protected consumer. Further furnishing of the data herein beyond the request for removal will further result in violations of 15 usc 1681n - willful non-compliance.

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 2024-03-04 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: NC

Complaint narrative:
I am sending this complaint today to request your assistance in investigating and resolving alleged identity theft items that have appeared on my credit report by Credit Bureaus. I believe that I have been a victim of identity theft, and I would like these fraudulent items to be thoroughly investigated and, if found to be inaccurate or unverifiable, promptly removed from my credit file. To provide relevant details, I would like to explain the situation and present the necessary information for the investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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