vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX. 
Comenity Bank continues to furnish inaccurate and re-aged information regarding my closed XXXX account XXXX XXXX XXXX the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681c ). 

Comenitys own written statements to the CFPB dated XX/XX/XXXX and XX/XX/XXXX claim that the Date of First Delinquency ( DOFD ) was XX/XX/XXXX, with a charge-off in XX/XX/XXXX. However, my attached TransUnion investigation reports from XXXX through XXXX clearly show missed payments beginning in XX/XX/XXXX proving the true XXXX occurred XXXX years earlier. 

This false XXXX XXXX unlawfully extends the reporting period to XX/XX/XXXX, when the account should have been permanently deleted no later than XX/XX/XXXX. 



Violations Illegal Re-Aging : XXXX knowingly misreported the XXXX, extending the reporting period beyond XXXX years a violation of XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). 
Failure to Reinvestigate : XXXX stated in writing that it would not further investigate, violating XXXX ( b ). 
Continued Furnishing of False Information : After receiving multiple disputes, XXXX continues to furnish inaccurate data, violating XXXX ( a ) ( XXXX ) ( A ). 



Evidence Attached XXXX. Comenity Bank letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) showing false XXXX DOFD and refusal to reinvestigate. 
XXXX. TransUnion investigation reports ( XXXX ) showing missed payments beginning in XX/XX/XXXX and an unlawful removal date of XX/XX/XXXX. 
XXXX. XXXX CFPB case documentation ( Ref. # XXXX ) confirming continued Comenity furnishing activity. 



Requested Action I am requesting that the CFPB XXXX Comenity Bank to immediately delete the XXXX account XXXX XXXX XXXX reporting agencies for violating the Fair Credit Reporting Acts seven-year reporting limitation and for furnishing knowingly inaccurate data. 

XXXX has had multiple opportunities to correct this issue and has willfully chosen not to. XXXX deletion is the only appropriate resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit report shows a collection account from XXXX XXXX XXXX XXXX XXXX ( XXXX  # XXXX ), located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. They are reporting a balance of about {$2400.00} from a former XXXX XXXX account ( XXXX XXXX XXXX ). I live in XXXX  XXXX. 

I have already disputed this account with Experian, Equifax, and TransUnion several times. I asked each bureau to manually verify XXXX XXXX XXXX to collect and to provide proof that this company owns the debt. None of them provided documentation or evidence that a real investigation was done. 

I checked the XXXX XXXX XXXX database myself. XXXX XXXX XXXX XXXX XXXX ( XXXX  # XXXX ) holds XXXX state licenses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not listed. This means XXXX XXXX does not have a XXXX  XXXX collection-agency license and is not authorized to collect from XXXX  consumers XXXX 

Under RCW 19.16.110, a collection agency must have a valid license in Washington to collect debts. RCW 19.16.250 ( 23 ) makes unlicensed collection activity illegal, and RCW 19.16.440 says it is an unfair or deceptive act under Washingtons Consumer Protection Act ( RCW 19.86.020 ).

By reporting and collecting without a XXXX  license, XXXX XXXX is violating state and federal law, including : 15 U.S.C. 1692e ( 2 ) ( A ) misrepresenting the legal status of a debt 15 U.S.C. 1692f ( 1 ) collecting amounts not allowed by law 15 U.S.C. 1692g ( b ) failing to provide validation after dispute 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverified information 15 U.S.C. 1681i ( a ) the duty of credit bureaus to reinvestigate disputes Court decisions confirm that unlicensed or unverified collection activity is illegal : Gray v. Suttell & Associates ( 2014 ) unlicensed collection violates Washington law Panag v. Farmers Insurance ( 2009 ) collection activity is covered by the Consumer Protection Act Nelson v. Chase Manhattan Bank ( 2002 ) furnishers can be liable for inaccurate credit reporting Jerman v. Carlisle ( 2010 ) the FDCPA is strict liability, not excused by mistakes of law Dennis v. BEH-1 LLC ( 2008 ) failure to verify a debt violates the FDCPA XXXX XXXX has never provided proof of assignment from the original creditor, a copy of any contract, an itemized statement, or proof that it is licensed in Washington. Because this company is not licensed here, its continued reporting and collection activity are illegal and misleading. The credit bureaus failure to verify this public information also violates their duty to ensure accuracy.

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 2025-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I dispute a {$1300.00} alleged medical collection CMC ( Credit Management Company ) is furnishing, opened XX/XX/XXXX. On XXXX, the original creditor shows XXXX XXXX XXXX XXXX. In other report views ( XXXX ), CMC appears as the original creditor. This conflict violates the FCRA maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). I never received the required 5-day validation/dunning notice under the FDCPA ( 15 U.S.C. 1692g ( a ) ).

A materially identical {$1300.00} medical collection previously furnished by Account Resolution Services ( ARS ) was removed after XXXX failed to comply not only the 5-day validation/dunning notice, but they also failed to send within 30 days a lawful and proper validation which I was new to understanding how to protect myself as a consumer, but after I challenged it with the other violations, XXXX new lawfully they had to delete it. Shortly after they deleted it, the same amount reappeared via CMC. This indicates re-reporting without documentary validation and potential wilful noncompliance ( FCRA 1681n ; FDCPA 1692e ( 8 ) if not marked disputed ).

Because this is medical debt, proper validation must include a non-PHI itemization, dates of service, provider name, and a complete chain of assignment/authority to collect in my name. If CMC cant produce this, they must cease furnishing and the tradeline must be deleted across all CRAs. I am attaching my TransUnion data-incident letter, which elevate identity-risk concerns and require heightened accuracy and safeguards ( FIPA F.S. 501.171 ; GLBA 68016809 as standards ).

Attachments ( all in PDF ) : Exh. A - ARS with same debt amount, got it deleted after letters ( CMC was on 2 other collections that i got off as well in 2023 Exh. B - XXXX  view showing CMC as OC Exh. C - XXXX  view showing XXXX as OC Exh. D - Recent TU report pages showing harm/score Exh. E - 2nd ARS notice rebutting the alleged validation, etc.

Exh E.1 : ARS alleged debt validation notice- unlawful, misleading, deceiving Exh. F - TransUnion data-incident letter Note : Just open the PDF file of the CFPB complaint and you will have all the attachments as exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the Police ( XXXX XXXX. XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 


FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. Equifax has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: OR

Complaint narrative:
On or about XX/XX/year> First Advantage, a background check service used by XXXX, reported info on my criminal background that is more than XXXX XXXX XXXX, the position that was applied for would not of exceeded {$75000.00}. In fact the position was {$16.00} an hour part time XXXX hour per week. At minimum XXXX hours per week. This violates the {$75000.00} annual rule with the FCRA. When I tried explaining this to first advantage they told me there was nothing they can do. I told them u violated my right and broke the law. They said I can file a dispute I did and they still reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I requested all 3 credit bureaus remove all address except my current address 1 if the addresses New York I have never lived in That state. I do not want my cell number to be on my credit report. I asked that they remove that. I didnt hear from but 1 bureau they did not correct or remove anything. They said they investigated they did not! I only want my correct address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They need to remove the false address ' they are reporting on my credit reports. I've specifically never lived in New York in my life why is that reporting as my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am filing a complaint against Santander Consumer USA for what I believe are unfair and predatory lending practices. I financed a XXXX XXXX XXXXXXXX through Santander over two years ago. My monthly payment is about {$490.00}, and in that time I have paid over {$11000.00} total toward this loan. 

Despite making consistent payments, my principal balance has only dropped by around {$1600.00}, which is less than 10 % of the total loan. This seems unreasonable for a loan Ive had this long, especially since the vehicle is over ten years old. 

I was never clearly informed that such a large portion of my payments would go strictly toward interest for this long, nor did I receive a transparent explanation of how the payment structure works. I believe this loan was designed to keep borrowers like me trapped in debt while paying mostly interest. 

What I want : I am requesting a full review of my loan, including a breakdown of principal vs. interest payments. I would like consideration for balance reduction, rate adjustment, or partial refund of excessive interest charges. I also want this account reported accurately on my credit file if corrections are needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: NV

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi please have this Inquiry Remove from my credit report. By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to remove from credit report. The company sold me a Defective ( Lemon ) Truck and Decide to take it back a did A Flat Cancellation for the vechile it is no longer in my possession.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> and on the same day XX/XX/year> XXXX unauthorized transactions were made with my debit card checking account at the ATM outside of the main headquarter office ( my work place ) building at XXXX XXXX in XXXX XXXX, Florida. 
The first unauthorized transaction : XXXXXXXX XXXX XXXX XXXX XXXX Colorado XXXX XXXX XXXX XXXX and was without my consent withdrew - {$790.00}. 
Reference Number : XXXX. 
The second unauthorized transaction : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Colorado XXXX XXXX card purchase and was without my consent was withdrawn- {$900.00}. 
Reference Number : XXXX. 
The day before on XX/XX/year> I went in the morning at that ATM outside my work and withdrew XXXX dollars for my son/s daycare fee and it was an emergency and I never used that ATM before. 
The teller managing that ATM that morning with my XXXX of XXXX told us that this ATM was compromised the year before. 
The scammers used my first name and last name and created a fake email address ID : XXXX used in the booking. I never created a XXXX email account in my life.This was a fraudulent email used for the XXXX unauthorized transactions that were used and both amounts were credited back through credit shell credit card, a third company that is not directly affiliated with XXXX. That is the reason I can not get my money and refund from 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 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-12 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 recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the Police ( XXXX XXXX. XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account and the inquiries, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. Experian has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account.

When approved for credit, I am forced to pay significantly higher interest rates.

I was recently denied rental housing because of this negative information.

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

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