vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I called telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on 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
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
I later learned my realtor who is a friend to the loan officer initiated the entire process. My realtor brought in the loan officer and she also brought in the contractor whom I later learned was her uncle. In my agreement with the contractor the homeowner/contractor agreement the contractor agreed that he would secure and pay for building permits and/or other permits fees inspections and licenses necessary for the completion of the work stipulated in contract. After closing it had been bought to my attention that tenants residing in XXXX XXXX refused to leave or meet to discuss anything with me as a new owner. I was later advised they had refused to move based on promises made with previous owner/seller of property and FHA rehabilitation loan in contract notes property to be vacant at time of rehabilitation. I was unable to remove tenants then covid began during I paid XXXX out of pocket to assist in them moving. The contractoXXXX who had been referred by XXXX XXXX agent XXXX XXXX XXXX and Loan Officers XXXX XXXX ( from the XXXX XXXX of Guild Mortgage ) began demo of the vacant front unit when I requested him to provide plan and permits which per REHABILITATION LOAN PERMIT CERTIFICATION which states '' work may not begin until permits are issued '' I had to fire him from my project for refusing to secure documents and procedures as stipulated for the XXXX loan. During each and every step I have continued to pay on time my mortgage and advise Guild Mortgage of obstacles. I later hired a company Plans and XXXX XXXX who took over the task in applying for and getting plans for both addresses XXXX and XXXX XXXX the city did not allow after reviewing the application the CPIO ( community plan implementation overlay district ) is unable to approve 100 % residential occupancy in that zone. Later having Plans completed and showing front property to be commercial I reached out to Land Gorilla ( 3rd party hired to supervise and release funds for project ) I was advised time has expired and they are unable to fund. I've had emails with XXXX XXXX from Guild Mortgage who states time frame is over and that scope of work has changed in regards to ( conversion to 100 % resident dwelling ) I have email threads dating XX/XX/2019 on this being a problem and apparently not resolved between Loan officerYvette XXXX and XXXX agent XXXX XXXX ( prior to closing ) Ive inquired of next step with unused loan ( XXXX ) that I've been paying faithfully will it be added to principle as outlined on contract for loan or will I finally be able to use the funds to complete my project in order to live in my property. Calls and emails have been ignored by Guild Mortgage. Please help. I need to know why GUILD MORTGAGE is not answering request to know what will become of unused rehabilitation loan for property purchased XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX, 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

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 2022-05-05 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 other 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 explanation
Consumer complaint received 2022-05-05 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 other 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 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-05-05 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:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been a client of Care Credit by Synchrony Bank for over 15 years, and have had online access the entire time. On XX/XX/XXXX their website suddenly decided my login info was incorrect. I tried to get in several times without success and it would not send me a reset link. I finally reached them on XX/XX/XXXX and the rep would not send me a reset link but only a text. He also pretended it was not their site but my browser ( he wanted me to switch to XXXX XXXX ). When I refused, he said there was nothing else he could do. 

The reset link let me in - I logged out, tried to log back in and it again told me something was wrong. I called again on XXXX and the rep again pretended it wasn't their problem but my browser and claimed that they only get calls about people using Edge not being able to get in. When I told him it was not my browser but their site, he hung up. 

If it really is that their site is not compatible with one of the most popular browsers - that needs to be corrected. Their customer service also needs a major upgrade.

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 2022-05-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I called telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: I.C. System, Inc.
State: AL

Complaint narrative:
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.

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 2022-05-05 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:
In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX, XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A. 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.

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 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: DE

Complaint narrative:
This is my second time trying to get some type of justice here. I recently filed a complaint against the same company, title max in XXXX Delaware regarding my issues. First off, the previous complaint I submitted was, without even my say/input, closed on their behalf? A lawyer of theirs submitted a statement back and then I have no response back? Thats not fair. 

Since this was closed, I have called title max to try and get some type of payment set up for me. Per the last lawyers statement, he stated to contact titlemax ti get my account back to normal. IVE SINCE THEN DONE SO. Ive made several phone calls and left several voicemails. I received NO response back except for a wuick 2 second call from them only for them to hang up the second I get to answer which is on the second ring. I then get voicemails, an automated voicemail at that thag says to contact them regarding my account. I find it a little ridiculous that I am getting those calls when I have been doing that for about a month now. 

Im asking for them to PLEASE CALL ME TO WORK WITH ME AND SET UP SOME TYPE OF PAYMENT PLAN! 

I expect some type of reasoning here in my favor and not a response back from someone who isnt even present in this state. On Saturday XX/XX/2022 the employee there said my account was CURRENT and I believe her name was XXXX? Forgive me if I spelled it wrong. XXXX XX/XX/2022, my account has been current which means Ive been making the payment. The manager there, XXXX told me the same thing verbally. However I am having financial issues right now due to COVID & I would like for someone to please call me instead of an automated machine. They will not repossess my car when this whole time nobody has been contacting me back. In my previous complaint, the lawyer for them said I wasnt contacting the storeWell here I am contacting them and shockingly NO RESPONSE FROM THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Global Lending Services LLC
State: TX

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.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
In Accordance with the fair credit reporting act 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 

15 USC 1681 Section 602 States I have the right to privavcy.

15USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days brfore the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : 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 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 non-monetary relief
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXXXXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: MD

Complaint narrative:
In Accordance with the fair credit Reporting act. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I just received a receipt notification from XXXX  XXXX that a Discover purchase was made. I do NOT have discover card. Someone open an account under my information i don't know how many accounts were opened under my name.

Company response to consumer: Closed with explanation