vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: Absolute Resolutions Corp.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to request the removal of the following incorrect or outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These addresses are no longer associated with me and should be removed to ensure the accuracy of my credit report. Please update my file accordingly to prevent any potential confusion or negative impact on my credit.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: IN

Complaint narrative:
I got a {$1500.00} debt notice from a bank Regional Finance who I never did business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: AL

Complaint narrative:
I applied for a loan with SALLIEMAE on or about XX/XX/year>. Loan was APPROVED XX/XX/year>. Approval disclosure quoted terms I was not agreeable to at 10 % interest rate. I took NO FURTHER ACTION to take the loan. ALL SALLIE MAE info on WEBSITE AND CLEARLY STATED IN THEIR DISCLOSURE indicated I must ACCEPT this loan to move forward. 

XX/XX/year> SallieMae sent loan confirmation to the school. We notified both the school AND SallieMae that we were not taking the loan. XX/XX/year> SallieMae sent a disbursement to the school. We have spent hours of our time getting the money sent back. I spoke to SallieMae XX/XX/year> at about XXXXXXXX XXXX  XXXX and was told : " there is a 72 hour window to decline the loan '' and " upon signing the loan application you are clearly agreeing to accept the loan regardless of terms not having been disclosed '' and further told I was given " clear disclosure of this agreement prior to disclosure of terms AND of the need to cancel the loan within 72 hours if I do not want the loan '' 1- There is no law I can find which makes it legal for a lending institution to do this.

2- I know of no other lending situation in which I do not have to take definitive action to ACCEPT A LOAN but instead the lender is allowed an OPT OUT ONLY action to decline the loan.

3- The final loan disclosure CLEARLY states I must take action to ACCEPT THIS LOAN by XX/XX/year> 4- All additional information on-line adheres to this presentation that a loan acceptance step is required. 

I believe based on this limited amount of data one can CLEARLY and OBJECTIVELY state that these are deceptive practices which are far from standard lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am a 15 year client of Alliant Credit Union. I was denied a {$18000.00} used car loan with no explanation except an XXXX XXXX Notice denying credit and box checked, Equal Credit Opportunity Act Notice, checked Consumer Financial Protection Bureau.

The credit Union only offered me to call this agency but NO Explanation so I can clear my credit. Please guide me to next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX I'm XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX It is imperative that you remove any address in your system which

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Home Depot/ Citibank Account XXXX ending in XXXX On XX/XX/XXXX i made XXXX payment disputes for missing payments that were sent via certified mail that have not been processed yet. 
Case ID : XXXX Missing Payment {$7700.00} Case ID : XXXX Missing Payment {$4200.00} Case ID : XXXX Missing Payment {$10000.00} Case ID : XXXX Missing Payment {$10000.00} Certified Mail Numbers for Payments sent, and Delivered. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$7700.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Sent {$4200.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$10000.00}. 

XXXX. Certified Mail # XXXX Delivered on XX/XX/year>, at XXXX sent to Home Depot/Citibank N.A. , XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Sent {$10000.00}. 

PER FAIR CREDIT REPORTING ACT, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL PER 15 USC 6802.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
My credit reports are showing 11 recently opened and closed student loan accounts through MOHELA. I last consolidated my loans in XX/XX/year>, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2024 I received a notification from my bank ( Chase ) that a fraudulent charge of {$210.00} was attempted at a store I do not visit. I opted to have a new replacement Debit card sent to me. Although the replacement card was sent to my address, I never saw it because it was physically stolen by the thief first. The card was used to withdraw {$4500.00} from my checking account on XX/XX/2024 at XXXX at a city I have never been to ( XXXX XXXX XXXX XXXX  ). I noticed the fraudulent activity on my mobile app, and I drove to my local Chase bank in XXXX XXXX, XXXX. I arrived at the bank frantic, just one hour after the fraudulent withdrawal, at XXXX. The transaction still showed Pending, and I requested that the transaction be cancelled. Chase refused, and allowed the transaction to continue, despite me saying that I did not authorize it. A claim was filed with Chase to have my funds returned to me. The claim was denied, and the bank refused to return the {$4500.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEBT RECOVE In addition, DELETEall non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
XXXX XXXX XXXX has been tryin to collect a debt that does not belong to me. I have never opened an account with these energy providers. this is the case of identity theft or fraud.

the debt collector is tate & Kirlin associates inc and the amount they are trying to collect is {$1800.00}. reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: AL

Complaint narrative:
Previously I had opened up 2 loans in which 1 has been paid in full. However, the company 's name for the current loan is correct ( XXXX XXXX ) but 2nd personal loan is showing up as " paid off '' and yet the name of the company is not correct. This company is not one that I even recognize ( SST ). However, it shows up twice on my credit reports. The company is listed under the name " SST '' This company states that the two loans were recently " paid off. '' The 1st loan for {$10000.00} says it was paid off and closed in XX/XX/XXXX. The 2nd personal loan for {$10000.00} states it was closed on XX/XX/XXXX. 

The company " SST '' is not a company that I have ever opened up a loan under. 

I am needing this company, which is listed twice on my credit reports, removed from my credit and removed from all of the credit reporting agencies. 

My credit score has dropped over 14 points due to this company reporting 2 personal loans, and reporting that the 2 loans had been opened and closed. Showing both had closed very recently. 

I have read other individuals posts on this company and who are in the same boat as me, and they all state that it's hurt their credit rating, as well. 

I am asking for your assistance, to help me in having this company removed from all of my credit reports and removed from all of the credit reporting agencies. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
Iam a victim of identity theft from my x wife i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with 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, 15 USC 1681 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 man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX Credit Cards XX/XX/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 2024-10-21 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:
Iam a victim of identity theft from my x wife i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with 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, 15 USC 1681 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 man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Equifax XXXX Equifax 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 XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax XXXX Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> To, Citibank N.A., XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Fax No. : ( XXXX ) XXXX XXXX Ref. : Claim Number : XXXX Related to Imposter Scam Sub. : Submission of additional documents for ongoing Claim. 

Dear Sir, I am writing to provide additional documentation related to my above-mentioned ongoing claim with your bank.

I have reported the scam ( s ) to two relevant authorities : the Federal Trade Commission and XXXX XXXX XXXX. This step was taken to ensure that the situation is addressed from all angles. I am enclosing the said report communication to support my claim, : 1. The acknowledgement of XXXX XXXX XXXX against the fraud of US {$250.00} & US {$250.00} reported to XXXX XXXX XXXX. 
2. The acknowledgement of XXXX XXXX XXXX against the fraud of US {$490.00} & US {$1.00}, reported to XXXX XXXX XXXX. 
3. The acknowledgement of Federal Trade Commission against the fraud of US {$250.00} & US {$250.00}, reported to Federal Trade Commission, having Report number : XXXX. 
4. The acknowledgement of Federal Trade Commission against the fraud of US {$490.00} & US {$1.00}, reported to Federal Trade Commission, having Report number : XXXX I believe the enclosed documents will further assist in the review and resolution of my claim. Please let me know if you require any further information or additional documentation.

Thank you for your attention to 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