vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX XXXX is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report about me to any XXXX party, and I have a right to privacy which is attached to this complaint. 
Equifax XXXX XXXX and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ).

U.S. SUPREME COURT RULING- NO CORPORATE JURISDICTION OVER THE NATURAL MAN.Penhallow v. Dane 's Administraters ( 3 U.S. 54 ; 1 L.ed. 57 ; 3 Dall. 54 ), A corporation can neither practice law nor hire lawyers to carry on the business of practicing law for it.

( People V. California protective Corp'n, 76 cal app 354, 244 pac. 1089 ) I, the alleged debtor, the federally protected consumer, a natural living being of majority status, and not an infant/minor will also Subpoena an IRS 1099 Compliance Audit from Debt Buyer, Debt Collector, Original Creditor and any Party in Interest of the alleged debt if litigation is required ( DBA v Snow, 2006 ).

Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
Identity Theft Report Power of Attorney, XXXX Notice, Fee Schedule Opt Out Notice ( XXXX ) Name Copyright Passport Card Invoice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$890.00} Balance XXXX XXXX XXXX # XXXX {$250.00} Balance XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Balance XXXX XXXX XXXX # XXXX Balance {$11000.00} XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Balance {$290.00} Remove any addresses unrelated to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any Name Variations other than XXXX XXXX I have included attachments,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX XXXX is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft. 
I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report about me to any 3rd party, and I have a right to privacy which is attached to this complaint. 
Equifax XXXX XXXX and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ). 


U.S. SUPREME COURT RULING- NO CORPORATE JURISDICTION OVER THE NATURAL MAN.Penhallow v. Dane 's Administraters ( 3 U.S. 54 ; 1 L.ed. 57 ; 3 Dall. 54 ), A corporation can neither practice law nor hire lawyers to carry on the business of practicing law for it.

( People V. California protective Corp'n, 76 cal app 354, 244 pac. 1089 ) I, the alleged debtor, the federally protected consumer, a natural living being of majority status, and not an infant/minor will also Subpoena an IRS 1099 Compliance Audit from Debt Buyer, Debt Collector, Original Creditor and any Party in Interest of the alleged debt if litigation is required ( DBA v Snow, 2006 ).

Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist.

Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance to the Fair Credit Reporting Global Lending Account # XXXX balance {$21000.00}, Open XX/XX/scrub>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  has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give transUnion written permission to furnish these accounts XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX child support

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Company reporting no longer in business. Was directed to a company called XXXX XXXX. I sent a debt validation request. Company didn't reapond

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint narrative:
I have a auto  loan with XXXX XXXX XXXX and they have not reported any of my payments since XXXXXXXX XXXX XXXX, I have tried to get a different vehicle from another lender and they are telling me that it looks like the vehicle I currently have was repossessed in XXXX as there is. O payment history. I also believe that my current amount owing is incorrect. As they are reporting only 14 months of payments when I've had my loan for over 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Company reporting no longer in business. Was directed to a company called XXXX XXXX. I sent a debt validation request. Company didn't reapond

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Company reporting no longer in business. Was directed to a company called XXXX XXXX. I sent a debt validation request. Company didn't reapond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
experian. I have had such a hard time figuring anything out with no help from experian whats so ever. I have called them so many times to either get ran in a circle or just point blank hung up on before even getting a chance to talk. a few weeks ago I noticed my XXXX  loan amount jumped from XXXX to around XXXX as I was looking into it to see what changed because I personally did not do anything to make the loan amount significantly increase. I saw that my original XXXX loans duplicated to XXXX more loans totally XXXX loans and each XXXX pairs are the same. I called provider XXXX  because I had never seen them before and they said my loans were now through them and to call the other provider to make sure ( XXXX ) which I did and they said my account with them is closed and transferred. so I filed a dispute with experian to have them take off that account because it is obviously no longer needed and nothing has changed. I should not owe XXXX + I should only owe XXXX no one will help take off the duplicate loans.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My complaint is with Equifax about multiple letters from this company about a inquiry from XXXX. Equifax has sent letters telling me the inquiry has been removed. When I read my consumer report. The inquiry has never been removed when I dispute it I'm told its factual but I have several letters stating it has been removed. When I call in the representatives tell me to view my information on MyEquifax not other third party reporting agencies. I'm submitting the letters as FACTUAL PROOF that Equifax has been misleading with their reports. Equifax only responds to have the complaint shutdown but refuses to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ALLIANT CREDIT UNION
State: AR

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I applied for PSLF in XXXX of XXXX. I had verified and approved employment dating since XXXX but it is not continuous. Cumulatively, I have met the 120 payments for PSLF. While Mohela approved all employment I submitted, they left massive numbers of payments missing from the counts. For example, my tracker jumps from XX/XX/XXXX to XX/XX/XXXX even though the approved employment listed with Mohela includes that full time, so that period alone is 35 payments missing. The tracker also only goes back to XXXX despite approved employment going all the way back to the beginning of PSLF in XXXX, so every payment from XXXX is missing. When I apply again to try to get it updated, they mark it as duplicate and say that employment certification form was already processed, but the missing payments never get added. I applied before the waiver expired in XX/XX/XXXX and they still haven't updated the payment count. I need ALL of the approved periods on my employment certification forms added to the payment counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation