vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is? violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you c validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 547 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This letter is in response to all letters, emails, phone calls, or any other mediums of communication where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place. 
If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debit shall also be in violation of federal law. 
If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/2024, I returned a leased Hyundai XXXX XXXX to the XXXX Hyundai dealership. Approximately XXXX month later, I began receiving daily calls from Hyundai Finance stating that the vehicle had not been " grounded, '' meaning the dealership had failed to file the necessary paperwork confirming the return. Hyundai Finance informed me that I would need to follow up directly with the dealership, as they were unable to communicate with other departments within the same company. 

I contacted XXXX Hyundai repeatedly, but the sales representative informed me that they had lost track of the vehicle and did not know where it was. I made weekly calls for several months, but I received no follow-up until I sent an email. I also attempted to reach XXXX XXXX, the Used Car Manager, but he did not respond. I requested both a vehicle return receipt and a final payment receipt, which took Hyundai seven months to provide. 

On XX/XX/2024, Hyundai Finance reported a charged-off account on my credit file, stating that I should have continued making payments on a vehicle that was no longer in my possession and had been lost by the dealership. As a result, my credit score dropped by XXXX points on that day. I subsequently filed a dispute with XXXX XXXX, providing details of my situation and offering the vehicle return receipt and final payment receipt as proof. However, they only increased my score by XXXX points, stating that the account balance had decreased. 

On XX/XX/2024, I finally received a vehicle return receipt showing that the car was returned on XX/XX/2024. Just three days later, Hyundai Finance sent me the final payment letter. However, the final payment letter reflects the date the dealership provided the vehicle return receipt, not the actual date I returned the car. 

The credit reporting from XX/XX/2024, indicating a delinquent payment is inaccurate, as I returned the vehicle on XX/XX/2024. I have the vehicle return receipt and final payment receipt from Hyundai as proof of this. 

I respectfully request that XXXX correct this error on my credit report to accurately reflect the vehicle return and eliminate the incorrect delinquent payment entry. 

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
Consumer complaint received 2025-01-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I noticed a check was cashed on XX/XX/XXXX in an amount of {$2000.00} to a person whom I do not know nor authorized, and I called USAA to report the check as fraudulent. The disputed check states USAA XXXX XXXX on the check, however there are no records of the person or transaction on my USAA XXXX XXXX portal ( XXXX XXXX  ). 

I received a notice from USAA on XX/XX/XXXX stating they did not see any fraud and I would not be getting my {$2000.00} back. I never received any prior notification from USAA asking for further details to help make a decision on the case. The notice ( attached ) states to call USAA if I would like copies of the documentation or information used to make the decision against me on the disputed charge. 

I called on XX/XX/XXXX asking for the paperwork on the disputed charge and was told I would receive a paper copy in 5-7 business days. 

I then called again on XX/XX/XXXX as I had not received any paperwork. The banking representative added some notes and told me it should arrive by XX/XX/XXXX and call back again if the paperwork did not arrive. 

I called on XX/XX/XXXX again to ask for the documentation of the disputed charge. This time the banking representative told me the case had been closed. The bank representative then suggested I open a new case for the disputed charge of which I resubmitted a new case over the phone for the disputed charge from XX/XX/XXXX and it would take 2-3 business days to review the case. 

I called on XX/XX/XXXX asking for a status update of the fraudulent check case. The bank representative added new notes to the file, submitted another case requesting an update from the fraud department. I was told 3-5 business days to get an answer. 

I called XX/XX/XXXX asking for an update on this fraud case. The bank representative reviewed the notes, saw the numerous requests for further information and he told me my requests have been ignored and he understands my frustration. He resubmitted a high priority ticket which should take 2-3 business days to get an answer via my USAA online account rather than mail. I told the representative that I wanted to appeal the decision as I stand behind the check being fraudulent. 

As of XX/XX/XXXX I still have not received any documentation or requests for more information from USAA on why they ruled against my disputed fraud case.

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 monetary relief
Consumer complaint received 2025-01-05 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:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX. 
COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 8.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
I recently review my credit report and notice I had fraudulent accounts in my report report they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-01-05 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: LA

Complaint narrative:
After recently receiving an alert of a new derogatory listed on my consumer report, I analyzed that the account was fraudulent and has appeared on my consumer report prior. The name type of account appears to be utility/phone services. The curren debt collector is " XXXX XXXX XXXX XXXX '', the previous debt collector was " XXXX '', and the original creditor was " XXXX XXXX XXXX XXXX The account listed is fraudulent and does not belong to me. The account is also listed as being " charged off '' and under 15 US code 1681 2 ( A ) i " transactions or income is not permitted to be listed on a consumer account ''. I have not received a 1099 form for this " alleged income '', and I did not consent to this account being obtained.

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 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I Originally came into the establishment XXXXXXXX XXXX XXXXXXXX to buy a car straight cash purchase.. No where having any inner standing about the process if i didn.t have enough money to buy one. the transaction I thought since I put {$10000.00} on the first vehicle, and that transaction I didn't know my signature was forged on this contract and I've paying them. this fraud and identity theft. Now under the consumer law code 15 USC1662 no advertising down payments n installments, 15USC6802 I'm the creditor the placed me at 22.19 interest rate which is against under 12 CFR 202.9 truth in lending Act to also find out that by them violating the law code 15USC1605b. HJR192 73-10 all Bills are the governments obligation.

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 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/year>, my previous mortgage servicer, SLS Mortgage, was acquired by NewRez. Following this acquisition, I noticed that I could no longer access my mortgage statements from prior to XX/XX/year>. These documents were unavailable both on SLS 's website ( sls.net ) and NewRez 's website ( newrez.com ). 

I contacted NewRez to obtain copies of these missing documents on the following dates : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I reached out through their online contact form and by phone. While I have received acknowledgment of my inquiries and, in one instance, a response stating that additional time was needed, NewRez has failed to resolve the issue or provide a substantive response within the 30 business days required under the Real Estate Settlement Procedures Act ( RESPA ).

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the account listed under XXXX XXXX XXXX, originally from XXXX XXXX XXXX, because the information reported is inaccurate and fraudulent. Specifically, the last name associated with the account is clearly misspelled, which makes the account invalid and unverifiable. Furthermore, I am attaching an FTC Identity Theft Report to demonstrate that this account does not belong to me and is fraudulent. 

Under 15 U.S.C. 1681c-2, Credit Reporting Agencies ( CRAs ) are required to block and remove fraudulent information from a credit report within 4 business days after receiving notice and supporting documentation. I have provided the following : A copy of my FTC Identity Theft Report detailing the fraudulent nature of this account. 
A request for immediate removal as this account is both inaccurate and damaging to my credit. 
Additionally, under 15 U.S.C. 1681e ( b ), CRAs are obligated to ensure " maximum possible accuracy '' in the reporting of information. This account fails to meet that standard due to the incorrect last name and fraudulent origination. 

Under 15 U.S.C. 1681i, CRAs must reinvestigate any disputed information and delete unverifiable or inaccurate items promptly. The inaccurate spelling of my last name makes verification of this account impossible. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), furnishers of credit information are prohibited from reporting false information. This makes the reporting of this account a direct violation of federal law.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
World acceptance loan was sold after being charged off I verified dates but they continue to report each month in XXXX that it is XXXX to XXXX XX/XX/XXXX reported that it was charged off that is false information I contacted and verified with all the dates but they continue to report false information when they do not own this loan to have the right to report. 
World finance Charged off XXXX XXXX Default XX/XX/XXXX XXXX sold XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/2024 my XXXX private loans were transferred from XXXX to Mohela. I then submitted the School Misconduct Application through the online portal with Mohela on XX/XX/2024. This would be the second misconduct application I sent. XXXX with XXXX & XXXX with Mohela. XX/XX/2024 I received email notification that the application was denied. When I was able to review the notice in the online portal I noticed it was just a copy & paste response from XXXX. Which reads as follows : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : XXXX carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' The only thing that changed in the notice was the logo in the upper right of the document, ( please see attached documents for reference ). This is clearly an auto generated reply. Which makes me question if my application was considered at all. Especially considering The Illinois XXXX XXXX XXXX XXXX which I attended was found to have committed substantial misrepresentation that borrowers relied on to their detriment.

Company response to consumer: Closed with explanation