vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: KY

Complaint narrative:
Identity Theft Affidavit Affiant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX , declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 

Fraudulent Accounts : XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

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 2024-09-28 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: KY

Complaint narrative:
Identity Theft Affidavit Affiant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX , declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 

Fraudulent Accounts : XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
around 14 years ago my ex-wife used my info to cosign for her son a student loan that i had no knowledge of until 3 months ago, when i received a phone call about past due loan payment. I let them know i didnt cosign for that loan. then my credit report took a huge hit due to late payment. after talking to them they said that the borrower had it on forbearance for over 3 years and hasn't made a payment. I knew nothing about this. Now I have to pay for a loan that has a ton of interest added to it because of years being on hold. 
and I knew nothing about until they called me for a past due payment. 
I did make the past due payment after it hit my credit report. even though I did not cosign for this loan and knew nothing about it until 3 months ago. its over {$12000.00}. i explained it all to them over the phone. but they didn't care. now I see there is a lawsuit with Navient. I feal I should be a part of this. since I took over this loan just so it won't crush my credit score more than it already has. I also feal the borrower should not be a part of the lawsuit sense I the cosigner is making the payment because I don't want my credit score effected by this loan that i didnt aprove of to begain with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call today from XXXX and was transferred to someone claiming to be from the CFPB. XXXX XXXX from JP Morgan Chase ID # XXXX gave me a complaint number XXXX. I am doubtful of the veracity of this claim, but would like to have record of pursuing it. XXXX XXXX from Chase said a credit card had been applied for in my name through Chase Amazon Credit and he had the last XXXX digits of my social security number. The application had originated in XXXX NC. Since they noticed that I did not live in NC, they called me. The reason I do not think this was legitimate is the nature of the call and the transferring from the bank to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
In XXXX of XXXX I purchased 2 Western Union Money Orders from a XXXX. I lost both of these money orders shortly after. The refund process was tedious and frustrating. I did everything as directed and waited to have my refund sent back to me or for WU to contact me somehow. I mailed the processing fee along with the notarised refund forms that WU requests, by certified mail to WU headquarters as per their instructions. For months, they claimed they received nothing even though I had the USPS tracking number to confirm that it was in fact delivered. I contacted Western Union Customer Service many times to get updates regarding this over the course of several months. I continued to get a run around answer from nearly every representative, nobody could help me, nobody could confirm if the request forms along with the fee were received, and nobody had a time estimate as to when or if I would receive my refund until I escalated my case with a manager for the second time. Then I finally received my refund back last week ( XX/XX/year> ) months later. Here is where the main issue arises. After waiting all those months for WU to help me, I received what look to be 2 checks from WU, from XXXX XXXXXXXX XXXX The issue is they can't be cashed. I have gone to every cashing place in my vicinity including WU locations and XXXX XXXX, and nobody is able to cash them, they can't even tell if they are Money Orders or checks, or cashier 's checks. Even my bank won't cash them, I tried online banking and still nothing. I called WU customer service once again to see if they could help but all they offered were locations that are over an hour away from me, or to mail them to my bank ( which I do not want to resort to as I have already been trying to get this money back for months and it's always risky to mail money ) so in the end I have no solution from WU and have 2 pieces of paper and no way to get my money back from WU after paying the notarisation plus the fees that WU requires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. Please remove these accounts listed below. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Date Opened XX/XX/year> {$210.00} the company keeps calling and calling i was unemployed with XXXX XXXXXXXX this is hurting my credit and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Ive always paid on my mortgage every other week for 16-17 years. Now mortgage company has misapplied payments to other places outside my monthly mortgage payment ; charged late fees; threatened to report to credit bureau agencies; charged me for condo insurance which Ive already supplied them with. No audit review ; Nothing. Ive even faxed them a list of all payments made to them since the beginning of the year. I am more than happy to forward the faxes sent

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 2024-09-28 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: MS

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal 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 non-monetary relief
Consumer complaint received 2024-09-28 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: MS

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington mortgage incorrectly inputting my taxes for the year which caused my mortgage to go up to approximately {$4000.00}, they made a double input of my taxes which showed {$11000.00}. When we contacted them about the mistake, they informed us to wait to make the payment until it was corrected. After months of fighting to get this amount corrected they changed it but reported that we made a late payment. We have called and spoken to several supervisors to get this mistake corrected so it doesnt show it as late but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Date of transaction : XX/XX/year> XXXX Amount : XXXX USD Actions taken by me : -Have contacted seller. Seller said he would issue refund. Never issues refund. 
-Have contacted PayPal . PayPal keeps telling me they escalated it but no one contacts me -have contacted synchrony Bank 7 times and they have opened a dispute said they would tell if they needed anything. Didn't reach out closed first case. Reopened and submitted documents they closed because they said they had no supporting documents which the guy on the recorded line confirmed I did send a lot of documents on, said he opened the case and referenced previous case. Today I find out 3rd case was never opened.

Actions taken by other companies and seller : -a XXXX -a years worth of wasted energy and time. 
-a years worth of insurance payments with no car to show

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Information under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 In accordance too the FCRA, 15 U.S.C. 1681c-2, law, I am now requesting the blocking of information that resulted from identity theft from in XXXX. 

Collections Date reported XX/XX/XXXX, Date assignedXX/XX/XXXX, Amount {$1200.00}, Status dateXX/XX/XXXX, Balance dateXX/XX/XXXX Account designator code Individual account, Account number XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Medical/Health Care ; Original Creditor - XXXX XXXX ; Amount - {$880.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$1200.00} ; Individual Account ; Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Address : XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX XXXX ; Amount - {$190.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$190.00} ; Individual Account ; Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Also : Improper Inquries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX MD XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Incorrect or outdated addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: NE

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Experian, and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts 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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief