vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I notified Self Inc. in writing that I was unable to continue making payments and requested the account be closed due to a significant hardshipspecifically, losing my home. 

Despite this, in XX/XX/XXXX, I noticed through XXXX XXXX that Self Inc. is still reporting my account as delinquent. I sent another written notice in XX/XX/XXXX, referencing this continued negative reporting and its impact on my credit score. That message was also sent directly to XXXX. I have not received a response to date. 

As a result of the continued late reporting, I believe my credit score has dropped approximately XXXX to XXXX points. I am requesting an immediate investigation and correction of this information, as the reporting appears to be inaccurate and unfairly damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-23 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt that you claim I owe. The account in question is referenced under RADIUS GLOBAL SOLUTIONS As provided under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt by providing the following information : Proof that you own the debt Please provide documentation showing that RADIUS GLOBAL SOLUTIONS is the rightful owner of this debt, including a chain of title from the original creditor to your company. 

Detailed account information This includes the original balance, interest charges, any fees assessed, and a complete history of the account from its inception. 

A copy of the original contract or agreement with RADIUS GLOBAL SOLUTIONS. This document should detail the terms and conditions of the debt, including my signature, if applicable. 

Until I receive this validation, I request that all collection efforts cease, and any negative reporting to the credit bureaus be suspended. Please note that under the FDCPA, you are required to provide this information within 30 days of receiving this request. 

If you fail to provide this validation, I will consider this debt disputed and expect all related collections activity to cease. 

I also request that any future communications be sent to me in writing. Please ensure you send the validation materials to the address listed above. 

I am writing to formally dispute a collection account that appears on my credit report, allegedly placed by your company, RADIUS GLOBAL SOLUTIONS. I believe this account is the result of identity theft and is not mine.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate block and removal of all information related to this fraudulent account from any consumer reporting agencies with which you have reported. This law provides consumers the right to have information resulting from identity theft excluded from their credit reports.

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 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent credit inquiry that has been made on my credit report. This inquiry was not done by me, and I did not authorize or consent to it in any way. Let me be very clear : I did not apply for credit, services, or anything else with the company responsible for this inquiry. This was a fraudulent action that occurred without my knowledge or permission. 

This kind of unauthorized access to my credit file is not just a mistake it is a violation of my privacy and a serious breach of trust. I have never had any contact with this company, I have no existing relationship with them, and there is absolutely no reason they should have accessed my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX XXXX DETAILS : Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 13. XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX XXXX - XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX 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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 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 2025-06-23 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am submitting this complaint against Nissan Motor Acceptance Company ( NMAC ) due to its refusal to remove a 30-day late payment reported in XX/XX/XXXX, despite my documented hardship as a victim of XXXX XXXX. 

I was directly impacted by this federally declared disaster ( XXXX Disaster Number : XXXX, XXXX Application Number : XXXX ). Nearly every other financial institution I worked withincluding credit card companies, insurers, and utility providersoffered automatic extensions or hardship relief through XX/XX/XXXX. 

NMAC, however, never offered any assistance. I attempted to contact them multiple times during the disaster period and was either placed on hold indefinitely or told that no relief was available. No hardship program, deferment, or support was communicated.

Due to the hurricanes disruptions, I missed only one payment, which NMAC promptly reported as 30 days late in XX/XX/XXXX. I brought the account current immediately and have remained in good standing since. 

On XX/XX/XXXX, I sent NMAC a written goodwill request asking them to remove the late payment based on my XXXX hardship and strong payment history. On XX/XX/XXXX, NMAC responded in writing, denying the request without acknowledging the disaster or my circumstances. I have attached a copy of their response, which shows the account number. 

I am not disputing the accuracy of the report under the FCRA. I am requesting a one-time goodwill adjustmenta solution that costs NMAC nothing , has no financial impact on them, and is the least they can do for a customer who has otherwise paid responsibly and remained loyal even through extreme hardship. 

NMACs unwillingness to offer any form of flexibility during a federally declared disaster, when other institutions stepped up to help, reflects poorly on their customer care practices. 

I respectfully request that NMAC remove the XX/XX/XXXX XXXX late payment as a goodwill accommodation in recognition of my FEMA-verified hardship and consistent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: LA

Complaint narrative:
As display in the text message. I received this text earlier today From ShepherdOutsourcing Representing XXXX Steps taken * I used their webportal located at shepherdoutsourcing.com to gather information- once i put my SSN in. They told me to call a Number Phone : XXXX or email them at XXXX * I went to XXXX directely at myjap.com- used the reference # XXXX and it came up with an error could not find account * I used annualcreditreporting.com to check all XXXX agencies and there have been XXXX collections activities on my account, no recent deferred/delquient payments. My credit cards are payed on time, I have 1 closed credit card okay that has been that way for years i payed it off very long time. see Screenshot # 3 that was way back in 2015. This is the only thing i could see it getting confused IF their text was legitimate. and that is a very large stretch since XXXX it was 10 years ago XXXX. I payed it off in person since this place was in person payments only- Cash or check. I see XXXX reason why it could be this but that is the only thing i can think of. 



I had XXXX LOAN from Tower loan that i payed off The rest of my accounts are current- CC & student loans -- -- -- -- -- -- -- -- -- -- -- -- Notes of comment -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - I have received XXXX letters both physical and electronic for any potential debt issues. Giving what i know, companies will warn you long before they ever send you to collections so all of this is very strange to me - * * I believe this account is made in ERROR- someone has put the wrong # down and it got filed under me. I do not acknowledge any debt that they are trying to collect, for I do not owe anything to them * * If this was not made in error, then it is a scam. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have researched what to do using XXXX, found countless reddit threads about both companies, their text messages are very similiar to mine- though mine is shorter and much more vague. 

Found BBB commplaints of the same thing and in weighing my options. I have reported Shepherdoutsourcing.com to the BBB. I am filing this complaint as well to the CFPB. And I will be filing a complaint with my state attorney office if this issue is not thoroughly resolved for i believe if this was not an accident, then it is a SCAM Their website as shown in # XXXX screenshot is using a proxy domain service. This combined with everything else is highly suspect since a legit company would not use a domainproxy service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CL Holdings LLC
State: NC

Complaint narrative:
I did not give any companies permission to sell or use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I originally made two purchases with affirm at XXXX XXXX, both about XXXX dollars I then returned both items and noticed that only one loan was paid off and that I still owed them for the other one. I contacted affirms dispute team and after a month of waiting they said that they ruled it in their own favor and I still owed them. I have a receipt from XXXX XXXX and confirmation from the XXXX XXXX billing team that the money was returned to affirm. Despite this affirm is saying I still owe them Attached : XXXX XXXX confirmation, affirms ruling, and the receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$7000.00}

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 2025-06-23 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the aceounts belew XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation