vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report. I do not recognize the listed accounts or their current status as reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies are required to ensure that the information provided to them is accurate and complete. 

The accounts I dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$750.00} XXXX  XXXX Account Number : XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Balance : {$1000.00} XXXX hereby state that I do not recognize any of these accounts or the amounts reported as being owed. I have never opened these accounts, nor do I acknowledge any liability for these charges. These accounts may be the result of identity theft or clerical errors.

Furthermore, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I request that you provide proper verification of these debts, including the name of the creditor and the detailed history of the alleged debts. I reserve my right to dispute these debts further should proper validation not be provided. 

Please investigate these matters and, in accordance with the FCRA, remove or correct any inaccurate, incomplete, or unverifiable information on my credit report. I request that you provide me with the results of your investigation, as well as a copy of the corrected credit report upon completion. 

If any of these accounts were reported in error, I also request that you remove the negative entries and notify me in writing of the actions taken. If verification can not be provided, I expect these items to be permanently deleted from my credit report in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the dispute resolution.

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 2024-11-30 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: SC

Complaint narrative:
I am writing to report that I am a victim of a data breach and have identified several unauthorized inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I request that the following fraudulent inquiries be blocked and permanently deleted from my credit file : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: SC

Complaint narrative:
I am writing to report that I am a victim of a data breach and have identified several unauthorized inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I request that the following fraudulent inquiries be blocked and permanently deleted from my credit file : Unauthorized Inquiries : 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 XXXXXX/XX/XXXX XXXX. XXXX 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Currently, I should have available credit that Goldman Sachs and Apple have not documented to my credit card account. 

XX/XX/year>, I contacted Apple Support and I requested that this be corrected as the available credit is showing on the Apple Wallet app is showing available credit of {$0.00} for over 1 week after Goldman Sachs submitted an unauthorized {$2100.00} withdrawal from my checking account. 

On XX/XX/year> : According to the Apple Support : Your payment in the amount of {$50.00} made on XXXX has been applied to your account, but it's currently on hold. Your available credit will reflect on XXXX. The payment is not eligible for an expedited release. 

Your payment in the amount of {$2100.00} made on XXXX was returned by your bank on XXXX. You can make new payments or schedule future ones in the XXXX XXXX. 

Your payment in the amount of {$80.00} made on XXXX has been applied to your account, but it's currently on hold. Your available credit will reflect on XXXX. The payment is not eligible for an expedited release.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being. 

Unauthorized Debt Collection : 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being. 

Unauthorized Debt Collection : 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 explanation
Consumer complaint received 2024-11-30 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: SC

Complaint narrative:
I am writing to report that I am a victim of a data breach and have identified several unauthorized inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I request that the following fraudulent inquiries be blocked and permanently deleted from my credit file : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pinebrook Holdings, LLC
State: LA

Complaint narrative:
I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhey decided they were going to sue me without ever contacting me and somebody called about it the company name was XXXX. I made an agreement with XXXX that they may use my debit card and pay the XXXXXXXX XXXX XXXX it was like XXXX XXXX on XX/XX/XXXX. Instead it showed up in my account on XX/XX/XXXX against what we agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I reported to navy Federal credit union that the car was stolen and sold to someone else gave them a police report and everything and they ended up leaving it as a charge off on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Aspire credit card company sneaked credit line increases twice in a XXXX month period in order to inflate bills by interest rates and late payment fees. My account billing statements I are continually over the limit which also means incurring additional interest fees and late payments fees each billing cycle. Aspire also wont verify documentation I was told they sent regarding increasing my credit limits. They hang up on me when I ask for proof of anything necessary to correct bills and late fees being reported on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 filing this complaint because Experian has repeatedly failed to investigate and remove fraudulent accounts and outdated personal information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies are a result of identity theft stemming from the XXXX data breach. 

The fraudulent accounts that remain on my Experian credit report are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened fraudulently without my consent. Both XXXX and XXXX have already investigated and deleted these accounts from my credit report. However, Experian continues to report them as " verified, '' without providing proof of a proper investigation or any supporting documentation. 

Additionally, Experian has failed to remove outdated and fraudulent addresses associated with these accounts, including : 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 XXXXXXXX These addresses are not mine and are directly tied to the fraudulent activity. I have provided Experian with updated government-issued identification and documentation proving my claims, yet they continue to refuse to act, obstructing my ability to repair my credit profile.

Experians failure to investigate and correct these inaccuracies has caused harm to my creditworthiness, emotional distress, and financial opportunities. Their negligence violates the FCRA, which requires credit reporting agencies to conduct thorough investigations and remove unverifiable or inaccurate 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 2024-11-30 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 filing this complaint because Experian has repeatedly failed to investigate and remove fraudulent accounts and outdated personal information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies are a result of identity theft stemming from the XXXX data breach. 

The fraudulent accounts that remain on my Experian credit report are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently without my consent. Both XXXX and XXXX have already investigated and deleted these accounts from my credit report. However, Experian continues to report them as " verified, '' without providing proof of a proper investigation or any supporting documentation. 

Additionally, Experian has failed to remove outdated and fraudulent addresses associated with these accounts, including : 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 These addresses are not mine and are directly tied to the fraudulent activity. I have provided Experian with updated government-issued identification and documentation proving my claims, yet they continue to refuse to act, obstructing my ability to repair my credit profile.

Experians failure to investigate and correct these inaccuracies has caused harm to my creditworthiness, emotional distress, and financial opportunities. Their negligence violates the FCRA, which requires credit reporting agencies to conduct thorough investigations and remove unverifiable or inaccurate 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 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
My complaint is with Coinbase. The have held a pending cash out on my Coinbase account for 5 days, typically the transaction is less than 10 seconds. 3 calls to Customer support with all of the same regurgitated answers stating it is an issue with transaction traffic and there is no time frame for resolution. I have since deposited and withdrawn instantly with XXXX issues but this XXXX transaction is still being held in pending status by Coinbase. I want my transaction cancelled or funds released. My case # with Coinbase is XXXX with regard to my complaint. I am feeling like I can not trust my money with them at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is unaware of proper credit reporting and the FTC and CFPB relationship. 

According to proper procedure, fraudulent credit reporting issues are handled through the Consumer Financial Protection Bureau ( CFPB ), not the FTC. 
XXXX website directs consumers to file reports via the CFPB through the FTC Fraud Report system.

However EQIFAX does't know this and I was informed that my file did not include an FTC report . Therefore, my disputes include reports made through the CFPB, and I have attached the necessary documentation to support my claim. 

I urge CFPB to educate Equifax to update your internal policies to align with changes adopted by the major credit bureaus. This ensures your representatives, who are supposed to assist customers, are properly informed and do not provide inaccurate or misleading guidance.

Miscommunication such as this only adds to the frustration caused by incorrect credit reporting and may result in legitimate disputes being improperly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc. Violating Debt Collection Laws I am submitting this complaint regarding Transworld Systems Inc. ( TSI ) for violating my rights under XXXX  law and the federal Fair Debt Collection Practices Act ( FDCPA ). TSI has repeatedly sent me letters attempting to collect on an alleged debt, as shown in the attached document. Despite my clear requests for debt validation, they have failed to provide the required documentation to validate the legitimacy of the alleged debt. 

Under the FDCPA, debt collectors are required to cease collection efforts until they have validated the debt upon request. TSI has continued to send collection letters without ever responding to my requests for validation. This constitutes harassment and a violation of my consumer rights under both state and federal law. 

I do not owe the alleged debt, and TSIs refusal to validate the debt while continuing collection attempts has caused significant frustration and distress. I request that the CFPB investigate Transworld Systems Inc. for its practices, require them to validate the alleged debt or cease all collection efforts, and ensure compliance with all relevant debt collection laws.

Attached is the most recent letter I received from TSI, which further demonstrates their ongoing refusal to validate the alleged debt. 

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