vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
My son and daughter in law live in XXXX. My son and I have the same name. A number of years ago my son and his wife bought a car through XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX. I was in now way involved with this loan. I did not co-sign on this loan. My son also assures me that this loan has ben satisfied. My complaint is with MacDowell and Assts. Ltd. Inc. XXXX XXXX XXXX XXXX , XXXX. XXXX. Thursday of last week My employer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, informed me that my wages have been garnished by order of the circuit court of XXXX County XXXX. This was done through the action of MacDowell & Assts. Again I was not involved with the original transaction in any way. 
My best guess is that MacDowell did some sort of skip trace procedure and came up with my name. MacDowell never contacted me. They just filed the garnishment. Of course this was done under the wrong social security number. Is it right for companies like MacDowell to through information against the wall and to see what sticks regardless of the time, money, and embarrassment it may unjustly cause? I have also left the voice mail messages and they have not returned my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XXXX, but all payments were made on time until XXXX XXXX when I lost my job. TransUnion has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. XXXX has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX # XXXXTransunion account # XXXXFrom XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company TransUnion and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

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 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I contacted XXXX online as I do once a year to check as I 've had many false and out right lies applied to my credit reports due to ex-wife of 14yrs+. So on XXXX XXXX, 2015 I went online to check and XXXX XXXX in an electronic response told me to contact Trans Union about my information as It shows that according to TU " I 'm not Me. " Wow people who do n't know me or has every had a copy of my XXXX SS Card or my Government state issued license, or even met Me can tell all others that I 'm not me. I called after going thru the email TU contact, then by phone from XXXX XXXX 2015, TU cleared off the collection on my account then w/o my permission they put a 90 day Identity theft hold on my account then reported to XXXX the hold and had then put the hold onto those agencies too after I had it removed from XXXX again as TU keeps reporting this false claim and I video recorded the conversation per the XXXX here NV. This will clearly show that XXXX has refused my email, phone, and mail request to cease w/ their abuse of my personal information as I do not use or wish to have them have my personal information as for over XXXX TU has blocked those I do give my information to is thru an contract or business agreement just incase of legal issue. TU reps and mgr all XXXX Called back on XXXX XXXX, 2015 all were rude, and w/o merit to demand that I send them my personal XXXX XXXX XXXX XXXX XXXX XXXX in order for them to remove an alert that TU put on w/o my permission as they claim they have the right to. More than a dozen times in less than XXXX mins the XXXX also refused to even when he could see that back on XXXX XXXX, 2015 I contacted TU online and on the phone to have false debits removed then. I explained that how can I verify and have them removed less than 2wks ago and now you will not remove what you see I have emailed, mailed, and called to have cleared within the 24hr period. Instead TU continues to violate my request for them to cease and decease w/ all false reporting, false filings, false report, falsely adding fraud / identity alerts and errors as I have no creditors, bank accounts, mortgages, car payments, no retail accounts, no loans, and no kind of lenders or credit cards. I also requested not to be solicited by any companies or phone calls. TU has refused in all forms of contact to stop but TU refuses and continues to abuse my privacy, name, and ability to be able to put deposits down to use equipment, update lease/ rental agreements, and other activities which require verifying your ID thru SSN in stores and rental companies

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: OK

Complaint narrative:
First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
On XXXX XXXX, 2016, I attempted to call MacDowell & Associates LTD to discuss a possible settlement with regards to a lien against my property. We are in the process of selling this property. When I first called, the women ( who refused to give me her name ) I spoke with on the phone was initially cordial on the phone and provided me with the information I requested. When I call back a second time, she was noticeably more aggressive and agitated on the phone. The purpose of me calling back a second time was to initiate a discussion about a settlement amount. The woman on the phone became irate and began yelling at me on the phone, saying that I " better pay dat debt '' over and over again. I stated that she was yelling at me and she said that was her normal tone of voice, then she hung up the phone. I call back to try to get some conclusion to my intent for calling and she called me a " racist '' over the phone, then hung up again. I have attempted to call back many times and now there is no answer. I felt threatened and severely offended by her calling me a racist, especially since I said nothing racial over the phone. And now a high level of emotional distress for me and my wife. 

This type of language is unnecessary, unprofessional and was used in a way to attempt to threaten me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted Trans Union who removed them all which raised my score and reduced my number of inquiries and added them all back today. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person 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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of ID theft, and have been declared so by the FTC and the local Police and had forwarded Transunion the Police Report and the FTC ID theft report, along with a dispute letter addressed to Transunion ( see attachments ). 
The FCRA requires the credit bureaus are required to block fradulent information from the credit report so that it can not be re-inserted irrespective of the creditor 's wishes. Transunion failed to block all information and there was a fraud related XXXX XXXX XXXX account that they initially deleted and now have re-inserted it on my credit report, thereby violating the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot. --

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 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap.

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 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
YES HI, I 'M NEEDING YOUR HELP WITH TRANSUNION WHEN THEY HAD THIS COMPUTER GLITCH! ALL MY INQUIRES WERE REMOVED FROM MY CREDIT REPORT, TRANSUNION NOTICED THE ERROR AND HAD THEM PUT BACK ON MY REPORT THAT IS AGAINST THE LAW!!. WITHOUT WRITTEN NOTIFICATION BEFORE IT 'S ADDED BACK ON. I CALLED TRANSUNION XXXX AND ADVISED THEM AND I WAS TRANSFERRED TO THE SPECIAL HANDLING DEPARTMENT. I ADVISED THEM THAT MY INQUIRES WERE REMOVED AND SUDDENLY THEY REAPPEARED, AND I WAS N'T NOTIFIED IN WRITING THAT THESE THINGS WOULD BE ADDED BACK TO MY CREDIT REPORT. I ALSO ADVISED THEM THAT THIS WAS AGAINST THE LAW & YOUR COMPANY HAS BROKEN THE LAW!!!!! PER FRCA SECTION 611.

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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Transunion sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than 10 years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have been disputing and requesting validation of a debts I do not owe AND basic inaccuracies on my credit report for months now, and TRANSUNION has not only been evasive, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. NAME- XXXX, XXXX : XXXX XXXX XXXX Acct # : XXXX - Not Mine, No proof of debt Or ValidationXXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationXXXX XXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationINACCURATE INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXPlease be advised that this is not a refusal to pay the debt, but a observe sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) you claim that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to pull an inquire. I am requesting proof that I am the accurate party to these or gave authorization to pull my credit, and a XXXX, which is binding on me to pay this debt. This is NOT a request for " corroboration '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my name Date or Birth SS and correct address XXXX XXXX XXXX XXXX, KY XXXX accordance with section of the Fair Debt Collection Practices Act. Or i request this be removed as soon as possible. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
Collection Bureau Of Walla Walla was hired by XXXX XXXX Court to recover unpaid fines. My case was accidentally sent to cbww. I made XXXX {$25.00} payments before getting the fine got recalled by the courts. Cbww has only reported XXXX of XXXX payments to XXXX XXXX courts. I was being harnessed, called a dead beat by this group of unprofessional bullies. I 've contacted the owner ( who has been less than apologetic when I proved that I had been correct about telling the collection agency that they were fired by XXXX courts

Company response to consumer: Closed with explanation