vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> **To : ** Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Sequium asset Solution. Without this, I have no legal obligation to recognize this debt.

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership.

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt.

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: OH

Complaint narrative:
Interest and fees are too high and so is the pay back amount. I have lost so much money and even my bank account has gone negative numerous times due to the high cost of this loan. I dont have the option to manually pay so the payments automatically come out. I am past due on an amount of XXXX but I owe them XXXX. It is too costly.

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 — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to bring to your attention a recurring issue I have been experiencing with LexisNexis regarding the erroneous linking of my personal information with that of my XXXX XXXX sister, as well as the reversion to outdated information. Despite having disputed this matter with LexisNexis in both XXXX and XXXX, the problem persists. 

This year, I encountered difficulties with security questions related to my employer travel card through XXXX. Upon contacting XXXX, I was advised to communicate directly with LexisNexis to dispute and rectify the security information they have on file. Consequently, I requested a full disclosure report from LexisNexis last month. However, I received a letter dated XX/XX/XXXX, stating that they are unable to process my request due to an inability to authenticate my identity. 

Given that my state-issued driver 's license is accepted by the TSA as a valid form of identification, I am perplexed as to why it would not suffice for LexisNexis to authenticate my identity. I would appreciate it if you could provide clarification on this matter and assist in resolving this issue promptly.

Thank you for your attention to this matter. I look forward to your prompt 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION , LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted request for verification of inquiries made and the inquiries are past the 2 year mandate time to be removed. See list of 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 EQUIFAX 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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report. Please consider this letter as my official request under the Fair Credit Reporting Act ( FCRA ) for the removal of the inaccurate information listed below from my credit file. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information in my credit report is inaccurate and therefore must be corrected or removed to comply with the law.

Additionally, under 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of this matter. I ask that you investigate and resolve this dispute within the 30-day time frame, as required by law. Please remove or correct this inaccurate information and send me an updated copy of my credit report once the investigation is complete. 

Enclosed are copies of supporting documents ( such as my identification, billing statements, or other proof ) to help verify my claim. Please let me know if you need any additional information from me to resolve this dispute. 

I appreciate your prompt attention to this matter. Please send a confirmation that you have received this dispute and the results of your investigation to the address listed above. 

Thank you for your time and attention.

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: Affirm Holdings, Inc
State: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I had an XXXX reservation. I canceled it. 7 days later, XXXX initiated a payment of {$1800.00} against my XXXX account via PayPal. The reservation had been canceled for 7 days. This is a scam and fraud. No merchant should be allowed to process a payment after the transaction has been canceled. There was no cancellation fee or anything like that. This is complete overreach by XXXX and a disregard for the financial rights of the customers. Cancellation means the transaction does not move forward. Still, the moved forward, 7 days later. This is why we needs laws protecting customers. Large firms, like XXXX, have digital process that steal from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems Inc. is demanding payment of a debt that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The debtor is listed as XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last year TSI attempted to collect on a medical debt for this same individual. I am not the person responsible for this debt and this debt does not appear on any of my three-bureau credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I reached out to Navy Federal Credit Union twice on XXXX XXXX at XXXX and XXXX regarding my account being closed. The first call I was put on hold for over 10 minutes and the young lady hung up in my face. I called again and was told it would take 14 days for my account to actually close and I would be receiving a check with my funds in the mail. I reached out via the message center to confirm this information and was told the funds would be sent. On XX/XX/2024 I called Navy Federal Credit Union again because I had not received any notices in the mail regarding my account being closed or the cashiers check for the remaining money I had in my account. I had {$1600.00} in my checking account and {$24.00} in my savings account. I had a secured credit card with a limit of {$500.00} and a balance of {$80.00} meaning they owed me {$410.00} for the credit card. The total I am owed is {$2100.00}. I've also sent an email to the CEO and security appeals department regarding this matter. Again, I am requesting my funds to be sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On My Transunion, XXXX and XXXX Credit Report my name and address is incorrect on my credit report. I need the incorrect names and addresses removed. Also, the XXXX XXXX XXXX amount is incorrect. I have two accounts on my credit that should be removed. I spoke to XXXX XXXX by phone to try to adjust this incorrect amount on my credit. It is still not updated correctly, and I need this incorrect information removed.

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: TX

Complaint narrative:
ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, # XXXX. # XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE AT ITS FINEST.

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 when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I initiated a payment of my American Express Blue for Business Card.

Amex, without my permission or initiation, draft two payments of exactly the same amount right behind each other on the same day. It was clearly an error in their payment processing system. They also show no logic checks to prevent that from happening. I called to get a remedy. I have to fight for them to return the second, unapproved payment. They never did tell me why they initiated a second unapproved payment. They never would have corrected this without my complaint. 
Initiating a financial transaction without a customer approval is clearly illegal and can lead to overdraft exposures and fees and other problems. 

Please make Amex fix its broken payment processing system

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to update my personal information on my credit profile online and over the phone to no avail.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to request the removal of outdated employment information from my credit report. Specifically, I would like to dispute the listings of my former employers, ( XXXX XXXX XXXX ) which does not accurately reflect my current employment status. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c, information that is outdated or no longer relevant should not be reported. Since these employers are no longer applicable to my credit history, I ask that you remove this information promptly. 
Please investigate this matter and update my credit report accordingly. I would appreciate a written confirmation of your actions, along with a copy of my updated report. 
Thank you for your attention to this matter. I look forward to your prompt 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to make an international wire transfer online XX/XX/year>, I got my credential verified then the transaction is rejected and my online account was closed. I called their security agent, they got my triple verified and told me, it is ok to make the transfer after 30 minutes. I did another one 4 hours later and again the transfer is rejected and my account was feezed. I called them again and they remove the freeze of my account and asked me to go to a branch to make the wire transfer, I went to their branch and go the transfer done without any problem. The thing is the fee for online transfer is {$40.00} and at bank they charged me {$50.00}. They did this got no merit to verify my identity. They did it only for charge me {$10.00} more fee.

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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ). XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX {$2800.00} 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE 22 DISPUTES WITH TRANSUION AND THEY STILL DON'T TGET THE INFORMATION CORRECTED. 

XXXX XXXX IS CLOSED SAYS I AM CURRENTLY IN GOOD STANDING WITH MONTHLY PAYMENTS NO MONTHLY PAYMENT AMOUNT GIVEN SHOWING LATE PAYMENTS THAT ARE OUT BY TIME IF I WAS MAKING MONTHLY PAYMENTS WHY IS THE BALANCE STILL THE SAME AFTER 5 YEARS. AND THE BALANCE NEVER LOWERS WHY ISN'T THERE A MONTHLY PAYMENT AMOUNT GIVEN I CALLED TRANSUNION AND THE GUY PUT ME ON HOLD LEFT ME THERE AND THEN HUNG UP ON ME. THESE CREDIT BUREAUS ARE PURPOSELY DESTROYING PEOPLES LIVES AND NEED TO BE SUED AND HELD ACCOUNTABLE FOR PROVIDE FALSE INFORMATION. 

THIS IS MY 24 TH DISPUTE AND XXXX AND TRANSUNION STILL CAN'T GET IT RIGHT! 

ACCOUNT IS CLOSED NOT MONTHLY PAYMENT LATE PAYMENTS OUT BY TIME AND NOT TRUE BALANCE NEVER CHANGES IF I WAS MAKING MONTHLY PAYMENTS YOU GUYS NEED TO QUIT LIEING AND PUTTING FALSE INFORMATION ON MY CREDIT REPORT AND TAKE THE XXXX OFF OF MY REPORT OR GET SUED. THE CREDITOR IS LYING TO YOU BUT YOU ARE TOO STUPID TO EVEN TO MAKE IT MAKE SENSE. THAT IS HOW I KNOW YOU ARE NOT PROPERLY INVESTING OR TELLING THE TRUTH

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE 22 DISPUTES WITH TRANSUION AND THEY STILL DON'T TGET THE INFORMATION CORRECTED. 

XXXX XXXX IS CLOSED SAYS I AM CURRENTLY IN GOOD STANDING WITH MONTHLY PAYMENTS NO MONTHLY PAYMENT AMOUNT GIVEN SHOWING LATE PAYMENTS THAT ARE OUT BY TIME IF I WAS MAKING MONTHLY PAYMENTS WHY IS THE BALANCE STILL THE SAME AFTER 5 YEARS. AND THE BALANCE NEVER LOWERS WHY ISN'T THERE A MONTHLY PAYMENT AMOUNT GIVEN I CALLED XXXX AND THE GUY PUT ME ON HOLD LEFT ME THERE AND THEN HUNG UP ON ME. THESE CREDIT BUREAUS ARE PURPOSELY DESTROYING PEOPLES LIVES AND NEED TO BE SUED AND HELD ACCOUNTABLE FOR PROVIDE FALSE INFORMATION. 

THIS IS MY 24 TH DISPUTE AND EQUIFAX AND XXXX STILL CAN'T GET IT RIGHT! 

ACCOUNT IS CLOSED NOT MONTHLY PAYMENT LATE PAYMENTS OUT BY TIME AND NOT TRUE BALANCE NEVER CHANGES IF I WAS MAKING MONTHLY PAYMENTS YOU GUYS NEED TO QUIT LIEING AND PUTTING FALSE INFORMATION ON MY CREDIT REPORT AND TAKE THE BS OFF OF MY REPORT OR GET SUED. THE CREDITOR IS LYING TO YOU BUT YOU ARE TOO STUPID TO EVEN TO MAKE IT MAKE SENSE. THAT IS HOW I KNOW YOU ARE NOT PROPERLY INVESTING OR TELLING THE TRUTH

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX, GA XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect.

To support my claim, I have included copies of my identification and documentation verifying my correct address.

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes.

Thank you for your attention to this matter. I look forward to your prompt 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company is trying to collect a debt that is not mine. This debt is reflecting 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