Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The attached documents coming from your agency does NOT MATCH my credit file.
Complaint sub-issue: Account information incorrect

Fraudulent Inquiries and inaccurate account information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have never had a contract with XXXX XXXX and HUnter warfield is attempting to collect a debt to for a company I have never done business with.
Complaint sub-issue: Fraudulent loan

I purchased a car through a small dealership and StateFarm financed my loan. I've been paying the loan and insurance for 3 years now. Back in XXXX, my car engine mount broke due to a pothole. I look my car to XXXX dealership and submitted an insurance claim. The adjuster went there and looked at the car and said it had all these prior damages years ago before I got which made it a salvage title car so insurance wasn't willing to pay for my car. I then begin to check my statefarm documents because on my credit account it had a different vin that wasn't my car. XXXX proceeded to send me my loan agreement in the mail because I was curious due to the fact they don't finance salvage-titled cars. There it was on my loan promissory agreement it had the incorrect vin. My agent committed fraud so the deal could go through. I believe this is due to the fact one or two things weren't messed up about the vin it was a whole completely different vin and it's to the same make and model as my car down to the color. So yeah they definitely committed fraud to make my deal go through. I told specifically that a resolution I want bare minimum was to have my loan cleared because they were trying to just change vin to correct one. I'm like that doesn't work for me because my car is salvaged it was never supposed to be financed y you guys in the first place. My StateFarm agent was there at the dealership with me he inspected the car and all.
Complaint sub-issue: Information belongs to someone else

There are accounts that arent mine that need to be deleted from my credit profile.
Complaint sub-issue: Trouble with how payments are being handled

My servicer is Nelnet which has now just sent me a bill for {$270.00} dollars after calling me several times regarding my " Lack of payment '', despite me sending a payment every pay period ( approximately every 2 weeks ), every time they call I explain that my pay period and amount of my paychecks preclude me from paying once a month. The person on the other end always says no problem, they will make a note of it, but the cycle repeats every month. Today ( XX/XX/2021 ) I received a bill from them for {$270.00} for payments not received. I'm tired of these bills and calls, not to mention that it will affect my credit rating. 
In a few weeks I will also be moving and greatly fear what is going to happen after my address changes.
Complaint sub-issue: Information belongs to someone else

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Complaint sub-issue: Information belongs to someone else

I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with Equifax I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XX/XX/XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XX/XX/XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
Complaint sub-issue: Other problem getting your report or credit score

I just checked my credit score on credit karma and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
Complaint sub-issue: Debt is not yours

This debt is not mine, I have no idea who this belongs to. I 've tried communicating this to the collection agency, however after recently pulling my credit report it is still showing on my report and I would like this removed, I have no knowledge of this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

inquiries on my accounts on my credit reports thats not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 5 employer listings that are not true and need to be deleted and 2 previous addresses that are not true and need to be deleted. Also 6 unauthorized inquires that need to be deleted. There are also accounts that are not mine and accounts I want validated see letter of explanation
Complaint sub-issue: Debt was result of identity theft

Someone opened an account with XXXX under my name without my knowledge. The account was placed in collections about eight months ago, balance owed XXXX. I filed a dispute with the three credit reporting agencies and the collection was removed from all three ( XXXX was removed XX/XX/XXXX ). 

First notification of this debt was received from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) Second notification was from XXXX XXXX ( XX/XX/XXXX ) Third notification received from Afni ( XX/XX/XXXX ) I dont understand how the same debt can be handled by three different collection agencies nor do I understand or think its fair that every time I fight to have the debt removed it is given to a different collection agency and the process starts all over again. 

This is an absolute violation of my consumer rights.
Complaint sub-issue: Information belongs to someone else

Good afternoon, On XX/XX/19 a hard inquire appeared on my credit without my knowledge ( I use XXXX XXXX and received an alert ). The company name is " Credit Plus ''. I do not know of this company nor have i ever been in contact with anyone from that firm/company to authorize them to pull my credit. Unfortunately my score has decreased due to this hard inquire and i would like to dispute and delete it from my report. Thank you
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX Delaware has fraudulently re-aged their credit card account ( XXXX ) on my Equifax credit report and is incorrectly reporting a charged-off credit card account with a charge-off date that is 2 years newer than was previously reported. This is not accurate and XXXX XXXX XXXX is negatively affecting my ability to obtain housing, employment and credit. This fraudulent and harassing negative reporting by XXXX XXXX XXXX has damaged me financially and professionally and will result in a lawsuit or arbitration. This CFPB complaint will serve as a future record of the damages that XXXX XXXX XXXX has caused me to endure. The credit card account XXXX originally showed that it was charged off in XXXX of XXXX but it has been changed today to falsely show that the charge-off occurred in XXXX of XXXX which is not true. This caused my credit score to drop XXXX points and reduced me from XXXX XXXX to XXXX XXXX which has immediately caused me hardships.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXXUpon reviewing my updates, incorrect information has been constantly reporting. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXDate of Inquiry XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

I HAVE ASKED XXXX XXXX XXXX  TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.
Complaint sub-issue: Account status

Account was paid and closed, but continues to appear as a negative on all XXXX major reporting agencies. Even after all items were disputed, all items still remain which continues to damage my reports.
Complaint sub-issue: Company closed your account

Citi closed my credit card account without warning. When I used their chat feature to ask why, they said I needed to call in. When I called in, they refused to tell me why my account was closed outside of a letter they sent me. That letter was not available online and they have my old address, so its possible I may not get the letter. This hurt my credit as well.
Complaint sub-issue: Old information reappears or never goes away

The account below was deleted and readded a year later. The account was used for fraud. I have added the fraud form given to me by bank. 

XXXX XXXX XXXX + {$4100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX XXXX  per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX  since XXXX. I Moved to XXXX  in late XX/XX/XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX  XX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX  for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This Debt collection company AFNI is trying to collect on a debt from XXXX and reporting it as a debt that went negative in XXXX. I have contacted XXXX XXXX XXXX XXXX and they have zero accounts with my name and social security number. I contacted XXXX XXXX XXXX home internet and they have XXXX accounts with my name and social security number. I contacted XXXX XXXX which is an affiliated service with XXXX XXXX XXXX and they have zero accounts with my name and social security number. Funny story, they do have and account from XXXX that was opened with my name and zip code XXXX. Not even my social, a phone number that has been registered to a dog groomers since XXXX. I have fixed the issue with XXXX XXXX, they gave me a confirmation number of XXXX. Told me dispute it with my credit bureau and the collection agency will be forced to drop it. I disputed it, and they out and out lied. Not only are they reporting this as current but reported it was active. This is n't the first time a debt collector does n't update their facts, they just make up their own story to fit this. It is not fair for me to be responsible for something there is no contract or anything for. Its a service that you open with a name and address that is n't even mine with a phone number that was n't even mine. This was very very evident with XXXX XXXX customer services, as well as they said i have zero accounts in collections. Just my name and a zip ode i never lived in. They should be held accountable.
Complaint sub-issue: Public record information inaccurate

I applied for a rental property and, they used Equifax to complete a tenant screening. The credit agency included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.
Complaint sub-issue: Account information incorrect

I sent a letter asking XXXX XXXX and equifax to investigate my accounts according to 15 usc 1681i XXXX XXXX XXXX it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation
Complaint sub-issue: Information belongs to someone else

My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.
Complaint sub-issue: Trouble with how payments are handled

I have XXXX private loans being managed through American Education Services AES. These loans are also co-signed. I have never defaulted on the payments, but my pay schedule is not in line with my due date. The begin to calling my co-signer over and over again starting the day after the due date. They rarely, if ever call me. I have over {$100000.00} in loans both private and federal and have asked AES to work with me on payments that I can afford. They reduced to the payment, I am still making {$240.00} a month payment and {$0.00} of it is going to the principle so 100 % goes to them for interest and my balance is going up monthly. The are rude to my co-signer. The calling multiple times a day. When I call them back the make threats to me. I make the payment due and within days they call saying I owe more money and that I am delinquent. I have paid XXXX of dollars a month and have still been considered delinquent. Payments are made they say I owe then fees show up out of nowhere. The are harassing myself and my co-signer. They are apply {$0.00} to my principle and therefore, my loan will never be paid.
Complaint sub-issue: Seized or attempted to seize your property

I sent off certified mail with return receipt to XXXX, XXXX XXXX XXXX XXXX, XXXX on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for DISCOVER BANK CO by XXXX, XXXX XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Complaint sub-issue: Problem with paying off the loan

I have sold my XXXX XXXX XXXX vehicle to XXXX XXXX XXXX XXXX XXXX, I notified the lien holder Bank of the West prior to selling the vehicle and got a 10 day payoff. The vehicle was sold and I notified Bank of the West the final payoff was forthcoming from XXXX XXXX XXXX XXXX XXXX. Bank of the West informed me that due to Covid-19 they are taking a week to 10 day to process payoffs once the funds are received from the dealership and if I did not make a payment they would report me to the credit bureau. I asked the rep from Bank of the West several times that even though Bank of the West received the full pay off prior to the payment being 30 days past due and because of the payment processing times at Bank of the West being 7 to 10 days due to Covid-19, I would be still be reported late to the credit bureau 's, the rep said yes. I requested to speak to a supervisor and was told that she could not transfer me to a supervisor because they were all working from home and that she would message her supervisor. The supervisor replied via messaging and again reiterated that they were going to report me to the credit bureau. 
I requested if I could have a 10 to 15 day extension on the payment date, so the sales transaction could be processed from the dealership where I sold the vehicle and due to the 7 to 10 days to processing time Bank of the West needs to post the payoff due to Covid-19 and was told NO! 

I then followed up with Bank of the West again today XX/XX/XXXX to see if they had received the payoff from XXXX XXXX XXXX, the rep on the phone said they did not see it but it is takin 7 to 10 days to process payments, I asked again for a 15 day extension so they could process the pay off and was told No. I asked to speak to a supervisor and he again confirmed that Bank of the West would report me late to the credit bureau if I did not make a payment to them by the 14th, he also confirmed that it is taking their payment processing center 7 to 10 days to process pay offs due to Covid-19. I again asked for an extension and he said not an option and said I make the payment or get reported late to the credit bureau. 

Bank of the West is harming consumers during this pandemic due to their slow transaction processing of payments because of their modified working environment. All of the people I have spoken to have all been working from home themselves yet they still are using intimidating collection activities to try and get additional monies out of consumers while they take an extended time to process pay offs of their loans. I have worked very hard on my credit and this organization has been very intimidating to me in their collection practices. I feel they are acting unfairly and I will be harmed by them for their 7 to 10 day delay in processing the pay off of my vehicle. Although they are all working from home they seem to be clueless to the impact that covid-19 has had on the day to day to day functions of the consumers they serve.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have tried multiple times with all 3 credit bureaus : Equifax, XXXX and XXXX to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX XXXX