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

This is regarding a currently reported Federal Tax Lien filed by Clerk of Circuit Court, XXXX County, XXXX, Florida. I submitted a direct dispute with Equifax on XX/XX/XXXX. They did not complete a proper verification or investigation and came back with a " verified and updated '' result. I submitted a complaint thru the CFPB ( case ID XXXX ) on XX/XX/XXXX - on XX/XX/XXXX the response was " we 're still working your issue '' ( generically speaking ). On XX/XX/XXXX i received a letter in the mail again stating " verified and updated ''. The dispute is -- - The updated XXXX guidelines specify that public records must now meet new standards when reporting information or the information must be deleted from the report. I have sent Equifax directly documentation from the court house supporting my reported lien does not meet the new standards of the XXXX and that it should be removed. It contains a name, address, no DOB and only 4 numbers of the SSN. The XXXX guideline states it should contain a DOB or Full SSN. I submitted disputes with XXXX and XXXX for the same XXXX changes and both of those companies investigated and then removed the item, however Equifax continues to run my dispute thru an electronic system ( per XXXX it was called 'XXXX ' ) and nobody is actually reviewing my dispute or the documentation supporting it. I 've sent them an official copy of the reported filing ( attached to this complaint as well ) from the courthouse that clearly shows it does not meet the new requirements. This is my 3rd attempt to get this resolved and Equifax continues to give me the run around and refers me to other companies ( XXXX and the courthouse -- both of which have confirmed the filing does not meet the new standards ). Their dispute letter stated " please contact the local court for questions '' -- the same courthouse that provided me the official copy that I gave to them. In addition I did confirm today that Equifax nor XXXX actually contacted the court to verify the filing. So not only are they stating " we verified it '', they are lying about it too. The court confirmed today that the last time anyone validated this old lien was XX/XX/XXXX. The XXXX guideline also specifies these items have to be 'validated ' every 90 days. Even with a dispute to Equifax directly and the CFPB they are failing to properly investigate, which would result in the removal of this lien. Please send this follow up complaint back to Equifax for ANOTHER dispute as they are not properly investigating or even reviewing the information I provided for the dispute, which also violates my rights under the Fair Credit Reporting Act laws in the process. Please have this investigated again. The attached file is a copy of the original dispute letter I sent to the Equifax, along with a copy of my FL DL and SSN verifying my identity, a copy of the official tax lien filing showing my record does not meet the current standards and a copy of the 'results page ' they sent to referring me to XXXX XXXX the XXXX County Court .
Complaint sub-issue: Their investigation did not fix an error on your report

Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to XXXX XXXX was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with XXXX XXXX, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. I am appalled and disgusted with all three bureaus as well as XXXX XXXX. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and XXXX XXXX as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified. Both XXXX XXXX and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by XXXX XXXX or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to XXXX XXXX. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and Equifax, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax over the phone after I discovered fraudulent credit inquiries on my credit report. The Equifax representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the Equifax representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my Equifax credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.
Complaint sub-issue: Public record information inaccurate

This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

Once again ... the only errors that have been fixed by XXXX regarding my VA mortgage loan is they updated the balance on my mortgage loan. 
However ... the payments are still not reflecting what I have submitted to them via on time mortgage payments. 

There is no updated credit score that should reflect all payments ... timely payments I have made towards my VA mortgage loan. I am not receiving the credit points that should clearly reflect my payments with any of the credit bureaus. XXXX can fix the balance on my VA in a timely manner ... however ... look at the attached that does not show all payments that I have made towards my loan. I should also see a definite increase with my credit score to reflect payments being made on my VA mortgage loan. 

This looks like a rental home instead of a mortgage loan with all three credit bureaus. I need the errors, payments and my credit score fixed and updated by XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My old XXXX lease account was closed. 
This new lease account is not under my name
Complaint sub-issue: Didn't receive enough information to verify debt

I have written to AR Resources to have them validate a debt they are negatively reporting on my credit files with all credit reporting agencies. I have not received said validation. I was simply mailed a hospital bill that was not itemized as to what the charges were for. I believe my HIPPA rights have been violated as I never authorized any entity to disclose my personal medical information to a third party. AR Resources has been reporting negative information to my credit files and I have asked them to delete this information as they have not provided validation of the debt they claim I owe.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Complaint sub-issue: Information belongs to someone else

These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.
Complaint sub-issue: Didn't receive notice of right to dispute

In accordance with the fair credit reporting act according to account # XXXX, has violated my rights. 
5 U.S.C. 1681 section 602 A.States that i have a right to privacy.

5 U.S.C. 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account with out my written instructions. 
5 U.S.C. 1666B : A creditor may not treat a payment under a credit card account an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Trouble with how payments are being handled

I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. 

Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}.

The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due.

Making your student loan payment is easy!

Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. 
Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. 
Make your payment. 



Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. 


Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX  ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. 

Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options
Complaint sub-issue: Debt is not yours

Checked my credit report and see an outstanding bill for {$610.00}. Also, never have done business with Enhanced Recovery Company XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

The consumer reporting agencies are continuing to report inaccurate information that I did not authorize or give written instructions to do so. They have also violated my rights by not providing me with the results or information from the investigation.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 my credit dropped 13 points with Equifax and XXXX for absolutely no reason.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute  letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

When I filed my taxes in XXXX, I received letter from IRS stating my refund was being redirected to PHEAA. I had never heard of this company before. 

I called them and told them I wanted proof of the debt. I called several times over a 2-3 month period and while I was continually promised they would mail to me what this was pertaining to, I never received anything. 

I called the IL state attorney and they attempted to contact them but also no response. They told me to try called the Department of Education.

I called the Department of Education who said they are showing no record of me ever having had a student loan. 

I do n't know what this is pertaining to or the amount which might be owed.
Complaint sub-issue: Card opened as result of identity theft or fraud

I'm applying for a mortgage loan. When the mortgage company pulled my credit, Citi Bank CBNA is reporting to XXXX  ( only ) that I applied for a Bank Credit Card on XX/XX/2019. Please note, they are not reporting an open credit account, only that I applied for credit with them I have never applied for credit with Citi Bank or Citi Cards. My mortgage company is asking me to explain any recent credit inquiries on my credit bureau and since I did not apply for this credit, I can not explain it. I contacted XXXX  on XX/XX/19 to dispute this credit inquiry. XXXX  advised that I must contact Citi Bank and dispute it directly with Citi Bank to have the inquiry removed from my credit report. On XX/XX/19 and XXXX ET ; I called Citi Bank. Citi Bank told me I have no past or present accounts with them, which I'm aware of. Citi Bank 's fraud department said I have to dispute this inquiry with XXXX. I explained to Citi Bank that I already spoke to XXXX  and they stated I must dispute this with Citi Bank and Citi Bank will need to remove the credit inquiry from my credit report. The Citi Bank agents seem unsure of what to do and are not getting appropriate responses from their fraud department. I feel the agents I've spoken to at Citi are unable to resolve my issue due to their lack of training with this type of complaint.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me for a full six weeks ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time. Eventually this will cost money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 


Equifax breach date : XX/XX/2017 Equifax breach disclosure to public via social media and not directly to consumer : XX/XX/2017
Complaint sub-issue: Their investigation did not fix an error on your report

I had a few hard inquiries and a charge off on my XXXX credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted XXXX XXXX  ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.
Complaint sub-issue: Their investigation did not fix an error on your report

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXXeporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Account information incorrect

I have a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, EQ, and XXXX  are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX / LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 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.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX R XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.