vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
I am submitting to formally dispute several items currently appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. These discrepancies are negatively affecting my overall credit standing and do not accurately represent my credit history or payment behavior. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( b ), I am requesting that conduct a thorough reinvestigation of each item and ensure that only verified, accurate, and complete information remains on my credit file.XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX XXXX * * * XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
I am submitting to formally dispute several items currently appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. These discrepancies are negatively affecting my overall credit standing and do not accurately represent my credit history or payment behavior. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( b ), I am requesting that conduct a thorough reinvestigation of each item and ensure that only verified, accurate, and complete information remains on my credit file.XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX XXXX * * * XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX amount of {$200.00}. XX/XX/year> amount of {$500.00} dollars. also on XXXX XXXX an unknown individual gained unauthorized access to my Cash App account and conducted XXXX separate transactions transferring funds to another party without my consent or knowledge. While XXXX of the transactions was refunded by Cash App from XXXX XXXX the remaining XXXX unauthorized transfers were not reversed or reimbursed, resulting in a financial loss. 
These actions constitute unauthorized electronic fund transfers under 15 U.S.C. 1693 et seq., also known as the Electronic Fund Transfer Act ( EFTA ), and its implementing regulation, Regulation E ( 12 C.F.R. Part 1005 ). Under these laws, consumers are protected from liability for unauthorized transfers provided timely notice is given, which I have done. 
Additionally, this incident represents a breach of privacy and data security obligations under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ), which requires financial institutions to safeguard consumer information from unauthorized access or misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I am sending this letter to formally request that the inaccurate information listed below be immediately blocked and permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ]. The address and accounts in question were reported without my knowledge or authorization and appear to be the result of identity theft or mixed file reporting. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-01 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: GA

Complaint narrative:
I am sending this letter to formally request that the inaccurate information listed below be immediately blocked and permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ]. The address and accounts in question were reported without my knowledge or authorization and appear to be the result of identity theft or mixed file reporting. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 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: GA

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MI

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to accurately report, investigate, and correct errors on my credit reports as required under the Fair Credit Reporting Act ( FCRA ). 

After obtaining my credit reports from XXXX, I discovered multiple inaccuracies in both my personal identifying information and account reporting. I submitted formal written disputes to all three credit bureaus, including proper identification and supporting documentation, requesting a full reinvestigation, method of verification, and complete file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Despite my compliance with all FCRA requirements, the credit bureaus failed to conduct a reasonable and good-faith reinvestigation, continued reporting inaccurate and unverifiable information, and did not provide a valid method of verification. Their actions violate the following federal laws : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to perform a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure upon request.

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 2025-11-01 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: MI

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to accurately report, investigate, and correct errors on my credit reports as required under the Fair Credit Reporting Act ( FCRA ). 

After obtaining my credit reports from XXXX, I discovered multiple inaccuracies in both my personal identifying information and account reporting. I submitted formal written disputes to all three credit bureaus, including proper identification and supporting documentation, requesting a full reinvestigation, method of verification, and complete file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Despite my compliance with all FCRA requirements, the credit bureaus failed to conduct a reasonable and good-faith reinvestigation, continued reporting inaccurate and unverifiable information, and did not provide a valid method of verification. Their actions violate the following federal laws : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to perform a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure upon request.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely disappointed that the incorrect late payments remain on my credit report this morning despite my efforts to refresh and recheck. I need this issue resolved at once and request that the documents I sent be properly reviewed so I can finally have peace of mind.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of several accounts appearing on my credit file. After carefully reviewing my credit report, I have identified multiple accounts with reported late payments, incorrect balances, and inaccurate account statuses that do not reflect my verified payment history. I am requesting a thorough reinvestigation of each account under the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX ( Section XXXX ), which grants consumers the right to dispute information believed to be incomplete or inaccurate and mandates a reasonable reinvestigation of any disputed data. Additionally, I remind the data furnishers of their obligations under FCRA XXXX ( b ) to maintain procedures to ensure maximum possible accuracy of information, and FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits reporting information known or that should reasonably be known to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} Date Opened:XX/XX/XXXX late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410000.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX and late 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, ate 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX Up XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-tied up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XXXX and XX/XX/year>, I paid more than {$24000.00} to a veterinary facility for XXXX and XXXX that was never completed. The clinic abruptly terminated all services on XX/XX/year> while my pet was still in active treatment and then refused a refund. I submitted detailed evidence to Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  proving that services were not delivered and that the business violated New York XXXX regulations. 

Each company denied my disputes without meaningful explanation and failed to provide copies of their investigation or decision records, contrary to the Fair Credit Billing Act. I specifically requested written verification of the evidence reviewed, but all three companies sent only generic denial letters. My accounts and credit were negatively affected even though the charges were for undelivered XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV funding llc. reported to my job XXXX system wage garnishments of {$1500.00} and they start taking funds from my paychecks I never had an account with this company nor they won't validate account number of the account they are collecting funds for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-11-01 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Trying to close PayPal account XXXX. Account has been frozen over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief