vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
Cedars Business Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Cedars Business Services, I am writing to dispute the alleged debt you are attempting to collect on behalf of XXXX XXXX. Your recent communications regarding this matter fail to acknowledge the circumstances surrounding the transaction in question, and I must insist that your attempts to collect this debt cease immediately. 
The debt you claim I owe stems from unauthorized activity on my XXXX account, which resulted in funds being withdrawn from my bank account and transferred to an unknown third party. Upon discovering this fraudulent activity, I promptly reported it to my bank, providing substantial evidenceincluding email records of unauthorized logins from foreign IP addresses and changes to my account information that werent done by mewhich conclusively demonstrated that my account had been compromised. Additionally, the fact that XXXX XXXX operates in the cryptocurrency industrya sector notorious for scams and fraudulent activitiesonly underscores the plausibility of this incident being the result of criminal exploitation rather than any fault on my part. 
Following a thorough investigation, my bank acknowledged the clear evidence of fraud and subsequently refunded the full amount of the unauthorized transactions. This outcome absolves me of any legal obligation to repay the disputed funds. The bank involved with this transaction was XXXX XXXX XXXX. 
Moreover, it is pertinent to note that XXXX itself has faced legal scrutiny and regulatory action, including being banned from operating in the United States due to allegations of money laundering and fraud. This additional context serves to strengthen my position that the funds in question were unlawfully obtained by a malicious actor, rather than being legitimately owed to XXXX XXXX. The real issue here is a lack of consumer protection by XXXX. A simple XXXX  search reveals many other cases with similar details as mine, where customers were missing thousands of dollars based on fraudulent activity.

In light of the aforementioned circumstances, I hereby demand that you cease all further attempts to collect this disputed debt. Any further communication from Cedars Business Services regarding this matter will be considered harassment and dealt with accordingly under applicable consumer protection laws.

Please respond via email that you have received this letter and have stopped any efforts of collecting the invalid debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XXXX at XXXX XXXX at Chase Bank XXXX XXXX LA XXXX # XXXX bank teller XXXX waited on me I went to cash the check and withdraw it out of my account she put in a check and told me a hold would be placed on the check until XXXX. She gave me a number to call Tuesday to see if they will release some of the funds and I was told it had to be verified. every day afterwards I called and was given a runaround saying I needed a verifiable number so I went by another location almost XXXX weeks after and I was told the same thing restriction on my account and the account closed could only use the {$46.00} I had in account. XXXX rep told me it had been several years since that kind of money had come through my account and they have continued this until now I called the XXXX Treasury XXXX for the first time today and was informed that they funded that account on XXXX they will not release my money or send it back to the XXXX dept where it came from. Money was put in my account on XXXX on XXXX they took it back out restricted closed my account and have my my my money stolen of some type. I have reached out to USDA XXXX XXXX Treasury XXXX and gave the letter with the check amount and my name to the issuing agency on the paperwork all submitted to them nothing is verifiable to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
XXXX never sent me balances and charges! XXXX sent a text of deficiency balance {$2900.00} No breakdown of charges now their reporting larger amount on my credit of {$3300.00} but its been charge off for years and they still adding more money on bill! This is illegal to add interest on a charge off unless your sending me statement of said charges! On my credit they are reporting over {$6000.00} on a car I bought for {$8000.00} and I paid XXXX down they are being ridiculous! Also they sold the car in XX/XX/year> but reporting on my credit wrong dates it says last payment received XX/XX/year> this is inaccurate last payment was XXXX! Fix the dates and the amount {$2900.00} was amount not over {$6000.00}! U cant add interest on a charge off and u refuse to send me breakdown of charges

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 2024-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Cease and Desist All Communications Regarding Partial Account # XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication, concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. 

Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease. 

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of XXXX XXXX XXXX will be considered a violation of the FDCPA, and I will take appropriate legal action. 

I expect written confirmation that you have received this letter and that no further contact will be made. 

Thank you for your prompt 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 2024-08-22 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: Synovus Bank
State: CA

Complaint narrative:
Subject : Cease and Desist All Communications Regarding Progress Card # XXXX XXXX XXXX **** Dear First Progress Bank, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. remove inaccurate account immediately Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease.

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of First Progress Bank will be considered a violation of the FDCPA, and I will take appropriate legal action.

I expect written confirmation that you have received this letter and that no further contact will be made.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NJ

Complaint narrative:
XX/XX/XXXX late payment XX/XX/XXXX XX/XX/XXXX. 

Removing hard inquiries on my credit. 
Removing old addresses

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
Subject : Cease and Desist All Communications Regarding Progress Card # XXXX XXXX XXXX **** Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. remove inaccurate account immediately Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease.

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of XXXX XXXX XXXX will be considered a violation of the FDCPA, and I will take appropriate legal action. 

I expect written confirmation that you have received this letter and that no further contact will be made. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Cease and Desist All Communications Regarding Progress Card # XXXX XXXX XXXX **** Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. remove inaccurate account immediately Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease.

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of XXXX XXXX XXXX will be considered a violation of the FDCPA, and I will take appropriate legal action. 

I expect written confirmation that you have received this letter and that no further contact will be made. 

Thank you for your prompt 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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: NY

Complaint narrative:
For XXXX months they have delayed. The month of XXXX and now XXXX. Their statement is 'they will research it and contact me. This is a scam. I want my money and I want to close the account.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024, I entered into a consumer credit transaction with Wells Fargo Auto, submitting a credit application with my social security number and autograph, creating value and a security interest as collateral security for them to borrow on my behalf, for a vehicle. They accepted my security interest, but then discriminatorily denied me access to the account. The account was created and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system that I have no business with. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and XXXX XXXX XXXX  . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any XXXX XXXX XXXX  may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any XXXX XXXX XXXX  National or Member Bank.

Wells Fargo is actively committing security fraud and are intentionally and knowingly keeping me from trading, although I have prepaid for the vehicle, thus says Federal Law and congress.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi blocked access to my checking account on XX/XX/year>. I called to figure out and was transferred to about XXXX different personnel with the same information, asking for same verification questions which I provided each time. Told me I would get a call back by XX/XX/year> - call never came. I called again multiple times, speaking to multiple people with the same questions and answers again. Final response from Citi was that " we will send a physical letter to your address with a reference code that you can call and verify '' - it has been XXXX weeks and I still have not gotten this mail. Since then I've spoke to XXXX different service representatives through constant transfers who say the same thing over and over. I've missed all of my personal payments since because I can not access my own funds in the account.

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