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This is a great third party messenger service. However they do nothing to help consumers. If you file a complaint using their services all the will do is wait for the company you filed the complaint against to respond then they will close the compliant. It does not matter if the company addressed your issue in your complaint or rather or not they resolved your issue all the CFPB is going to do is close the complaint and ask for your response to the companies reply. Equifax is denying my rights to see completed dispute results. I filed a complaint against them, Equifax responded that the results of my disputes were available to me online. This is not true the results are not available to me on line. All the CFPB did was close the compliant and ask for my reply to Equifaxes response. Equifax is still denying me my rights to see completed dispute results. The CFPB is a joke. The US Government need to create an organization that actually protects consumers.