vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX  Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX I sent a check to XXXX XXXX XXXX in the amount of {$3000.00} ( XXXX XXXX and no cts. ) to pay for the charges and to have some credit in my account for future charges since I was going in a long trip abroad. 
When I came back to the XXXX ( by the end of XXXX ) I get a statement that showed that the Company collected only {$30.00} instead of {$3000.00} and therefore my account started to be penalized with interest for being late on my payment. 
I called customer service of my credit card and explained that the Company made a mistake and those interest charges should be removed. They told me that they were going to open a dispute and that I should send a copy of the check to an address I was given. 
I went to XXXX where I have my checking account to request a copy of the check and I was told that the payment of that check was electronically, therefore the bank was not in possession of the physical check and that XXXX XXXX XXXX should have it. 
Fortunately, I kept a carbon copy of the check in my checkbook so I sent a letter with a picture of the carbon copy. In that letter I also offer to pay {$2900.00} they never collected provided all interest would be removed from my account. The Company never responded the dispute so they continue sending me statements with interest I do not owe. 
I do need someone at some federal agency to help solve this issue. 
Thank you so much for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Between last year of XX/XX/XXXX my identity was stolen. Any account opened since then is a fraudulent account. XX/XX/XXXX to now of this year XXXX I have had multiple accounts opened under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
SEE ATTACHED : Today my broker told me a CERTIFICATE OF SERVICE was received by my mothers employer Libertiy Communities. My mother had been trying to get me on with them but now that looks unlikely now that they have tarnished my reputation with them. I have no idea where this debt is coming from! In addition ; they thought the Service letter was for my mom. That XXXX may be her middle name. The corporate office sent it back after my mom had to explain. 

In addition : They have sent a Certificate of Service to at lease four other organizations that I am not affiliated with. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( attached ), and XXXX XXXX. 

I don't know much about this process but I know based on the CFPB radio buttons that they shouldn't be sending these things all over the place. I was told these were compensatible offenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
In accordance wit [ the Fair Credit Roporting act XXXX Account # XXXX has violated my rights. 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 I never wanted my account info/credit info reported to any agency and I never gave anyone or any corporation any written instructions to do so. 
I have reason to believe that these DEALERSHIPs willingly and knowingly took advantage of me and my consumer credit. 
l am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; they also accepted a CASH down payments violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction = Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/23 a charge was made on Walmart.com for {$310.00} using my Capital One credit card. The items were delivered to my house the same day. I was out of town for the day so the XXXX items sat on my porch until returned. After receiving an email stating the items were delivered I began alarmed and called both Capital One and Walmart the afternoon of XX/XX/23. I immediately called Capital one to report fraud and they closed the account, issued me a new card and started the fraud process. I also called Walmart to notify them of the unauthorized purchase. They told me to keep the items even though I offered to return them to my local store. They said since the items where ordered through Walmart.com the local store would not take them back. Outside of the few items that would need refrigeration the remaining items remain in my garage. 
On XX/XX/23 I noticed I had a bill due on my new Capital One Walmart card for the same dollar amount. I called Capital One and was told that after investigation the items were deemed accurate because they were delivered to my address ( which I have not disputed, the items were dlvd ). I DID NOT PLACE THIS ORDER. 
Capital One is refusing to assist me and remove the unauthorized charge. I offered to file a police report or sign fraud documentation. They do not care and now I am on the hook for {$310.00} of product that I would never use and again did not order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX XXXXXXXX XXXX  XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a XXXX  card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: NM

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX  XXXX, XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX I am writing to place on record and request relief from Selene Finance for not using reasonable procedures to assure maximum possibility of accuracy, unfair and predatory practices, and releasing inconsistent information. 
On XX/XX/XXXX my loan was transferred from XXXX XXXX XXXX XXXX XXXX to Selene Finance, XXXX XXXX XXXX, XXXX, PA XXXX. Approximately 1 month after the transfer Selene Finance reported a late payment and accessed a {$33.00} late fee. Thereafter, Selene Finance has placed a {$33.00} late fee each month on the account. After speaking with representatives to rectify the issue I received no relief. Selene Finance periodically sent a representative to the property to place a piece of paper on the door with a phone number to call Selene Finance at a cost of {$23.00} which was charged to the account. During XXXX  I acknowledge that some payments were late and expressed via phone and in writing to Selene Finance that I would like to resolve any legitimate late fees. Selene Finance refused to waive any fees, conduct a true account analysis or set up any type of plan. Instead, I was instructed to apply for a loan modification. Thereby, Selene Finance failed to use reasonable procedures to assure maximum possibility of accuracy. 
The loan was originated in XX/XX/XXXX and was established without an escrow account. Each year homeowners insurance and taxes have been paid by the owner. XXXX of homeowner insurance is sent every XXXX to Selene Finance by the XXXX broker ( XXXX XXXX ) and the homeowner submits the receipt for paid taxes at the beginning of each year. Per Selene Finance representatives the company has internal procedures to check tax rolls for unpaid taxes. Yet, In XX/XX/XXXX, Selene Finance attached an escrow account and raised the mortgage payment. Again, many phone calls have been made to the company to no avail. Selene Finance continues to show the account as being past due and continues to access late fees for a current total of {$1100.00}. In conducting these unfair and predatory practices Selene Finance places the property/homeowner in jeopardy of foreclosure. 
Selene Finance is reporting all past due payments including those that are erroneous to Credit Bureaus which charges them with releasing inconsistent information. I would like a complete analysis done on the account and all late fees based on erroneous and uncorroborated information removed. I would like to request that the escrow account and fees associated with it that was erroneously placed be removed from the account. I would like all credit bureaus that Selene Finance reported negative information to be removed as the negative reporting have been detrimental to homeowners credit standing. 

Kind Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: NM

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 explanation
Consumer complaint received 2023-06-25 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: TX

Complaint narrative:
I recently checked my credit report and i noticed some inquiries that i did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation