vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX Honda financial services Some time ago I tried to reach a payment agreement with this company they called me and no agreement was reached then I called to return the car and I still have no answers they said they would contact me and to date they have not, I want know where I should return the car and that it does not cause me more economic damage and even though now I will not be able to pay more in the future you will be harassing me with the remaining debt since I am sure that in the auctions they get the worst possible price, thanks I want to see the way to return the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Have tried to refinance loan due to high predatory interest rates and have not been able to do so as they charge a daily compounding interest rate of almost XXXX per day

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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was contacted by XXXX XXXX on behalf of a debt collection I have with Jefferson capital systems. I have interest in resolving the debt and I provided my social. They seemed legitimate when I was speaking to a manager until he provided me with the name XXXX XXXX then when I asked for a letter sent to my physical address with proof of their relation to XXXX XXXX and the debt they quickly ended the call and said they would report that I didnt want to resolve the debt to the official collection agency, XXXX . Im worried I provided my social to a potential scam. When I try to look them up I can find nothing related to their company or a number to call. I called the number back and it rings and then ends. No live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries reflecting on my TransUnion report are invalid and not authorized : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 Despite countless interactions, and requests for these to be 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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX has done this to numerous people. They received a cancellation letter from my new insurance when I cancelled them and they continued to charge me. They sent it to a collections agency who has harassed me none stop with letters to my house. Now I have seen a drastic drop in my credit score for something I strongly dont believe I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I went into my local Wells Fargo branch to deposit a check into my bank account. The check was still attached to stub and I tore it off in front of the bank teller. After signing the check and giving it to the teller, she stared it and said " hmmm ''. I could tell that she was discriminating me due to the amount of the check and because of my ethnicity. She asked me why was I receiving a check of this amount and if I had any proof. I was clueless because I provided her the entire check stub which stated the origin of the check. 

The bank teller said she would have to verify the check and I would need to have a seat and wait. After about XXXX minutes, the teller said she verified the check and could proceed with depositing. I waited patiently while the teller deposited the check and then she again said, " you know what, let 's just get a XXXX ''. This is not my first experience being discriminated by Wells Fargo ( see CFPB Complaint # XXXX ). The XXXX came and signed off on things and I was provided a receipt with some of my funds available the next day and the remainder would be available in 3 days. 

The next morning, I awoke to a message from Wells Fargo that they were closing my account because they believed the check to be altered ( even though their teller and XXXX verified it ). I was in shock and called Loss XXXX, who stated they again needed more proof that I was the owner of the check. I took evidence from the payer of the check stating the check amount being sent to me and the purpose of my check which was CA XXXX Rental Assistance. My local Wells Fargo took the evidence and again made me wait. After XXXX minutes, the bank XXXX came back and said that Wells Fargo still does not believe the check belongs to me and would now need a notarized letter from the payer. 

Wells Fargo has put me through so much. I feel judged every time I walk into a location.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see attached letter. On XX/XX/2023 a letter was sent to remove addresses not associated with and/or have never been associated with me. On XX/XX/2023 a second letter was mailed regarding the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've been dealing with Identity Theft since XXXX, XXXX. My Emails were hacked, and I immediately contacted Wells Fargo and had my checking account, my Retirement Savings, and my newly received Wells Fargo Charge Card deactivated and disabled. Still, Wells Fargo and their mismanagement of my accounts allowed {$8800.00} of my monies to be removed in a fraudulent manner, after I had everything in place to prevent this. Consumer Finance Protection Agency, Office of the Comptroller of the Currency, and the FDIC Consumer Response Unit are in Custody of my claims against Wells Fargo. Of all the Banks, Credit Card Companies, etc. that have been involved in my Identity Theft, Wells Fargo has been the ONLY Financial Institution that has been so difficult, next to impossible to work with. Wells Fargo is not a Customer Oriented nor Customer Friendly Company. 
I have an XXXX XXXX XXXX XXXX who has been working " hand in hand '' with myself relevant to my Case. I contacted Wells Fargo and made them aware of this. Wells Fargo instructed me to send them a notarized Power of Attorney to validate this. Therefore my Fraud Restoration Specialist would have access to my accounts as authorized by myself. I, of course, submitted the necessary paperwork to Wells Fargo. 
XXXX XXXX XXXX XXXX My Case XXXX XXXX XXXX  XXXX  ID Restoration. 
I immediately complied with the requests of Wells Fargo -- - and still Wells Fargo doesn't allow my appointed person and Company, to have access to my information to seek proper resolution. 
So ironic, is the fact that Wells Fargo basically shut me out of my accounts, for several months and refused to give me access to my accounts -- even with proper ID, yet seemed to give these identity thieves free access to drain all my retirement monies, even after I had everything set in place to prevent this.

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 2023-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I received a text message starting that there was a problem accessing a Chase account due to an issue with XXXX. I do not have a Chase account. My XXXX account is linked to a different bank and has no current or pending issues. The text message provided a link to undergo verification procedures and prompted me to respond with XXXX if I not longer wanted to be contacted. This is by far the most convincing text scam I have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I did not give XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX  written consent to access my credit file This is a Violation of the FCRA 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I did not give XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX  written consent to access my credit file This is a Violation of the FCRA 15 U.S.C 1681

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my 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 non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my 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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Hello, I have been trying to reach IC System since 2022 and I have yet to receive any response regarding the information I requested. Because I do not recognize this account I do not believe that this account is mine.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX Trans Union and XXXX or XXXX debts that they do no investigation on this is a violation of the fair 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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Dear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, TransUnion, XXXX, and XXXX, XXXX their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report.

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from TransUnion, XXXX, and XXXX through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that TransUnion, XXXX, and XXXX delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act.

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation.

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,

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