vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Hi, I am XXXX XXXX. I was contacted by CMRE Financial Services Inc to collect a debt of {$310.00}. 

They tried to contact me via text message. We did not receive any communication via postal mail. 

I would like to clarify that the debt mentioned is not mine. I do not have any debt on my name. Hence I would like to dispute this debt. 

Attaching the letter which we got via text message. We suspect this to be spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX. Inquired on XX/XX/XXXX XXXX BANK, XXXX XXXX on XX/XX/XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX 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 XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX. Inquired on XX/XX/XXXX XXXX BANK, XXXX XXXX on XX/XX/XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX BANK XXXX 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 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
Consumer complaint received 2025-07-25 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: WI

Complaint narrative:
There is a fraudulent account on my credit report from XXXX XXXX XXXX for {$1600.00}.

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 2025-07-25 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: WI

Complaint narrative:
There is a fraudulent account on my credit report from XXXX XXXX XXXX for {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX DATE OPENED : XX/XX/XXXXXXXX XXXX  BALANCE : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$420.00}

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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
opened a new account with Bank of America and deposited two paper checks from my employer, drawn from XXXX XXXX, for approximately {$950.00} each. These were handed directly to a teller. The bank has now held the funds for over 7 business days and will not clearly explain when they will release them or why the hold is extended. I have received no written explanation. This is causing hardship as the checks are from a reputable employer and should not require an extended hold. Originally the funds should have been made available as of XXXXXXXX  but they extended it to XXXX with no notice as to why, I deposited the checks in person and the jobs bank is local.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
noticed some accounts were deleted but not all included in past dispute XXXX I noticed a response XXXX  OF INVESTIGATION RESULTS provided into all forwarding CFPB reports. " After some accounts were deleted the following remaining will go into separate CFPB reports totaling XXXX accounts and XXXX CFPB Reports ALL INFORMATION IS ALSO PROVIDED HERE VIA XXXX  BUT WILL ALSO BE MAILED TO EXPERIAN FIRST AND NOTE A CLEAR AND VALID LEGAL VISIBLE ID IN REFERECE TO THE CFPB REPORT XXXX XX/XX/XXXX. CLOSED NO PROPER LEGAL INVESTIGATION ON PAST DISCHARGED AND CHARGE OFF ACCOUNTS AND INQUIRIES. THE COMPANY DID NOT GIVE A LEGAL PROPER INVESTIGATION ACCORDING TO THE LAWS THE AGENY EXPERIAN CAN NOT PROVIDE THE PROOF OF CONSENT OR THE ORGINAL SIGNED DOCUMENT WHEN NOT PROVIDED THE AGENIES ARE REQUIRED BY LAW TO DELETE ALL ACCOUNTS IMMEDIATELY. I HAVE PROVIDED PROOF OF 3RD PARTY CONSNET OF THE DEBT STATUS AND VALIDATION OF THE DISCHARGES LETTERS FROM XXXX XXXX AND RECORD TO THE XXXX IN XXXX. THESE EFFORTS WERE DOCUMENTED BUT IGNORED AS OF XX/XX/XXXX MY FIRST DISBUTE WAS XX/XX/XXXX I ASKED FOR A CERTAIN DELETIONS ON MY CREDIT REPORT ALL ACCOUNTS TO BE DELETED I PROVIDED EDVIDENCE OF STUDENT LOAN AND XXXX DISCHARGE IN XXXX I PROVIDED XXXX PARTY VENDORD ALONG WITH THE FTC REPORT AND I ASKED THEY BE IMMEDIATLY REMOVED IF CAN NOT PROVIDE THE ORGINAL CONTRACT WITH ORGINAL SIGNATURES THE ACCOUNT INVOLVED IN A FEDERAL DISCHARGE HAVE NOT LEGAL BOUNDS TO BE REPORTED ACCOUTNS AND DISCHARGE. I ALSO REQUESTED MULTIPLE INQUIRIES BE IMMEDIATELY DELETED FROM XXXX XXXX XXXX AS I HAVE MAILED THEIR STATEMENTS XX/XX/XXXX. I WAS TOLD OVER THE PHONE THE INQUIRES WILL ALWAYS REMIAN ON MY CREDIT REPORT NO MATTER WHAT PROOF I HAVE. I ALSO HAVE RECORDINGS OF EXPERIAN REPS AND HOW THEY MISLEAD INFORMATION VERBALLY AND THE WERE SERVERAL MISLEADING CONVERSATION THAT ARE FULL VIOLATIONS OF CONSUMERS FCRA RIGHTS. I WOULD LIKE TO ADD I BELIEVE THIS COMPANY " EXPERIAN " VIOLATED THE RIGHT OF CONSUMERS BUT MOSTLY WOMAN OF XXXX MAKING THE HOOPS MORE FERQUENLY AND MORE DRAMATIC TO ALMOST MAKING IT IMPOSSIBLE FOR CORRECTION OF CREDIT REPORTS. I DO HAVE EDVIDENCE OF CIVIL RIGHTS BASED ON RACE HAVE A HIGHER RATIO OF THESE MISLEADING ACTS BECAUSE OF RACISM. I AM A PRODUCT OF THUS STATICS AND I AM OUT RAGED

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 2025-07-25 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, 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 2025-07-25 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose.

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
ConServe is reporting a collection account related to XXXX on my credit file. I have disputed this account multiple times, requesting validation and documentation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Despite my requests, ConServe has not provided any proof of the debt ( such as a signed agreement or payment history ), yet they continue to report this account to the credit bureaus. The original school associated with this debt is now shut down, which raises serious questions about the validity of the data they are reporting. 

This failure to verify is a violation of : FDCPA 809 ( 15 USC 1692g ) Obligation to provide validation upon request.

FCRA 623 ( a ) ( 1 ) ( A ) Obligation to report accurate and verifiable information.

I am requesting that this tradeline be deleted in its entirety from all consumer credit reports if ConServe can not provide the required validation. This issue is currently interfering with a time-sensitive mortgage application. 


ConServe XXXX XXXXXXXX XXXX XXXX  NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
This is a third party collection agency that I never had a contract with or did business with this is against my FRCA rights and Ive ask this company to cease and desist under federal law and that means all communication not limited to credit reporting. This is causing me harm and personal injury which a tort claim is being filed on this company for personal harm and injury along with a federal complaint this is violation of indenty theft laws theres no way this company should have my personal information and reporting it as if I have a contract with them. Im demanding this company to stop unauthorized reporting on my account, im not paying your company nothing and im filing to the IRS that your company is reliable for all taxes im filing a 1099 B and audit your company with a letter to the XXXX  for having my personal information without my consent

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account has been reported as closed and paid in full since XX/XX/2021 in the amount of {$240.00} I am respectfully requesting that XXXX XXXX  remove this account from 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 2025-07-25 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: NC

Complaint narrative:
This account has been reported as closed and paid in full since XX/XX/year> in the amount of {$240.00} I am respectfully requesting that XXXX XXXX  remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This account has been reported as closed and paid in full since XX/XX/year>XXXX  in the amount of {$240.00} I am respectfully requesting that XXXX XXXX  remove this account from 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 2025-07-25 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: CA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Experian for failing to properly investigate and validate a debt being reported by XXXX XXXX XXXX on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I submitted a written dispute to Experian requesting verification and validation of this account. Specifically, I requested that Experian provide copies of the original documents, contracts, and a detailed statement from the furnisher ( XXXX XXXX XXXX ) verifying the accuracy of the information reported. Experian has failed to provide any original documentation or evidence, yet they continue to report the account as verified without proof. 

This failure to provide proper documentation and a reasonable investigation constitutes a violation of my rights under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 4 ), which require credit reporting agencies to conduct a reasonable investigation and provide the results of such investigation, including the information relied upon, within 30 days.

I am requesting that the CFPB take the following actions : 1. Require Experian to provide proper documentation, including the original signed contract or account-level documentation from XXXX XXXX XXXX XXXX verifying the accuracy of the debt. 
2. Enforce deletion of this account from my credit report if Experian can not produce valid evidence.

3. Investigate Experians procedures to ensure compliance with the FCRA.

Attached are copies of my previous dispute letters, Experians responses, and supporting documentation. 

Thank you for your attention to this matter. I expect a thorough review and resolution of this complaint. 

Sincerely, 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 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation