vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: UT

Complaint narrative:
On Wednesday, XX/XX/year>, I left my car parked atXX/XX/XXXX, UT XXXX. My wallet was left inside the vehicle. During that time, the car window was broken, and my wallet was stolen. The wallet contained my debit and credit cards, my identification card, and personal belongings. 

After the theft, the perpetrators attempted multiple unauthorized transaction. On Friday, XX/XX/year>, the suspects went to KeyBank, XXXX XXXX XXXX, XXXX, UT XXXX, where they deposited a fraudulent check into my account in the exact amount of {$1100.00} ( the full balance I had ) and immediately withdrew the funds. I did not authorize this transaction. 

I hereby request that my statement and all attached documents ( police reports, bank correspondence, transaction records, photographs, etc. ) be used to investigate this matter as a case of theft, fraud, and identity theft. I believe the suspects intentionally used my stolen wallet, identification, and banking information to commit unauthorized financial transactions across multiple institutions. 

They made withdrawals from other accounts I have, such as at XXXX XXXX, where I filed a claim and the stolen money was refunded. I also filed a claim at this bank, KeyBank, for the unauthorized transaction involving the deposit of the fake check and the withdrawal of {$1100.00}. They denied the claim and closed During the course of the investigation ; the bank did not conduct a proper review of the incident. They failed to check the security cameras or verify the identity of the person who made the deposit and withdrawal. According to the police report I filed, the thieves physically went into the bank and deposited the fraudulent check in person using someone who was clearly not me. 

Despite this, the bank did not perform any verification of my identification, allowing the suspects to both deposit and withdraw funds from my account without any identity confirmation. This lack of due diligence and verification resulted in the successful completion of the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I spoke with TransUnion about a tradeline for XXXX XXXX Bank that had previously been removed/blocked but reappeared on my TransUnion report. TransUnion confirmed the item was reinserted on XX/XX/year> ( Rep XXXX ; Supervisor XXXX; XXXX XXXX ID XXXX ). 
Under FCRA 611 ( a ) ( 5 ) ( B ) ( C ), a reinsertion requires : the furnishers certification of accuracy before reinsertion, and a written notice to me within 5 business days of reinsertion. 


XXXX business days from XX/XX/year> is XX/XX/year>. TransUnion has not provided proof that it obtained the furnisher certification before reinsertion or that it sent the required XXXX reinsertion notice. Instead, I was told that information would be mailed in 710 days and would not be sent by email. 
I have also received multiple Your Investigation Status emails from TransUnion ( e.g., XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 2025 ) acknowledging an investigation but providing no substantive details or documentation of reinsertion compliance. I requested deletion/suppression of the reinserted item unless TransUnion can XXXX both the pre-reinsertion certification and the timely XXXX notice. The unresolved reinsertion is harming my credit standing. 
Requested outcome : Require TransUnion to delete/suppress the XXXX XXXX Bank XXXX XXXX it can show ( a ) the pre-reinsertion furnisher certification and ( b ) the XXXX notice mailed by XX/XX/year>, and to provide a written record of these steps.

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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My vehicle was totaled and unfortunately my insurance did not cover the full remaining balance of {$3900.00}, and I didn't have XXXX insurance. In XXXX of 2025 I made an online payment of {$800.00} after which I discussed the remaining balance of {$3100.00} with your team. During that conversation I asked them if I could split the remaining amount into XXXX payments. I was told that I could and additionally they advised me that if I pay off the balance immediately I would receive a 20 % discount, this is offered to be XXXX employee ID # XXXX the offer was available anytime I have decided to make the full payment on the balance left. 
In XXXX when I attempted to make a my next payment online I encountered issues accessing y account. I then called Hyundai Motor Finance XXXX to arrange the payoff. During this call I requested the 20 % discount as previously discussed since I had already decided to pay off the remaining balance in full. however I was told that processing this payment would take time and I would receive a follow up call on XX/XX/XXXX to complete the payment. I waited for the but unfortunately i never received that call. meanwhile I noticed that my fico score dropped due to a late payment. No one had told me that to avoid any late reporting I will need to make a minimum payment at least to avoid any late reporting. If I was told in the beginning of XXXX that a late reporting will happen while I waiting for someone to call me back from your team I would have made at least the minimum payment since I take my finances and credit history very seriously.

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 2025-10-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.|

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and I reached out to the original debt collector XXXX  XXXX and was unable to resolve the issue they then sold the debit to profolio recovery and I was no long able to get in contact in regards to the debit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX response to CFPB XXXX, XXXX, XXXX, XXXX, XXXX & XXXX clearly stated : We did not remove the statement suppression, which resulted in statements not being [ generated ] to you XX/XX/XXXX and XX/XX/XXXX. 

See XXXX XXXX XXXX to CFPB XXXX et al., at XXXX XXXX. 
Here generated is used in place of mailed because a screenshot of XXXX XXXX billing system indicates no statements were generated from XX/XX/XXXX to XXXX XX/XX/XXXX. 

Despite filing several billing-error notices and FCRA indirect and direct disputes prior to charge-off, XXXX XXXX allowed the account XXXX charge off at the end of XX/XX/XXXX. It is therefore materially misleading for XXXX XXXX to verify the information for XXXX and XXXX as accurate. They continue to do so each time I have disputed with the CRAs. XXXX XXXX has even certified the reporting of the inaccurate/materially-misleading information for those accounts/tradelines. 

XXXX XXXX conduct meets the standard under XXXX for recklessness and willful violations of the FCRA and has defamed me and created false portrayals of me as a consumer/debtor done so with malice and a willful intent to injure. 

XXXX XXXX has additionally made several contradictory statements in response to my XXXX C.F.R. XXXX direct disputes and clearly lacks policies and procedures that allow it to comply with the FCRA under 15 U.S.C. 1681s-2 ( b ), 12 C.F.R. 1022.43, Appendix E of Part 1022, and the Michigan Regulation of Collection Practices Act. 

Within the context of Defamation and False Light, XXXX XXXX conduct rises to the level of gross negligence. 

As a direct and proximate result of XXXX XXXX conduct, I have been severely harmed, subjected to repeated and compounding injury, and remain exceptionally vulnerable to their continued misconduct as I have been for over XXXX years.

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 2025-10-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX response to CFPB XXXX, XXXX, XXXX, XXXX, XXXX & XXXX clearly stated : We did not remove the statement suppression, which resulted in statements not being [ generated ] to you XX/XX/XXXX and XX/XX/XXXX. 

See XXXX XXXX XXXX to CFPB XXXX et al., at XXXX XXXX. 
Here generated is used in place of mailed because a screenshot of XXXX XXXX billing system indicates no statements were generated from XX/XX/XXXX to XXXX XX/XX/XXXX. 

Despite filing several billing-error notices and FCRA indirect and direct disputes prior to charge-off, XXXX XXXX allowed the account XXXX charge off at the end of XX/XX/XXXX. It is therefore materially misleading for XXXX XXXX to verify the information for XXXX and XXXX as accurate. They continue to do so each time I have disputed with the CRAs. XXXX XXXX has even certified the reporting of the inaccurate/materially-misleading information for those accounts/tradelines. 

XXXX XXXX conduct meets the standard under XXXX for recklessness and willful violations of the FCRA and has defamed me and created false portrayals of me as a consumer/debtor done so with malice and a willful intent to injure. 

XXXX XXXX has additionally made several contradictory statements in response to my XXXX C.F.R. XXXX direct disputes and clearly lacks policies and procedures that allow it to comply with the FCRA under 15 U.S.C. 1681s-2 ( b ), 12 C.F.R. 1022.43, Appendix E of Part 1022, and the Michigan Regulation of Collection Practices Act. 

Within the context of Defamation and False Light, XXXX XXXX conduct rises to the level of gross negligence. 

As a direct and proximate result of XXXX XXXX conduct, I have been severely harmed, subjected to repeated and compounding injury, and remain exceptionally vulnerable to their continued misconduct as I have been for over XXXX years.

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 2025-10-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX response to CFPB XXXX, XXXX, XXXX, XXXX, XXXX & XXXX clearly stated : We did not remove the statement suppression, which resulted in statements not being [ generated ] to you XX/XX/XXXX and XX/XX/XXXX. 

See XXXX XXXX XXXX to CFPB XXXX et al., at XXXX XXXX. 
Here generated is used in place of mailed because a screenshot of XXXX XXXX billing system indicates no statements were generated from XX/XX/XXXX to XXXX XX/XX/XXXX. 

Despite filing several billing-error notices and FCRA indirect and direct disputes prior to charge-off, XXXX XXXX allowed the account XXXX charge off at the end of XX/XX/XXXX. It is therefore materially misleading for XXXX XXXX to verify the information for XXXX and XXXX as accurate. They continue to do so each time I have disputed with the CRAs. XXXX XXXX has even certified the reporting of the inaccurate/materially-misleading information for those accounts/tradelines. 

XXXX XXXX conduct meets the standard under XXXX for recklessness and willful violations of the FCRA and has defamed me and created false portrayals of me as a consumer/debtor done so with malice and a willful intent to injure. 

XXXX XXXX has additionally made several contradictory statements in response to my 12 C.F.R. 1022.43 direct disputes and clearly lacks policies and procedures that allow it to comply with the FCRA under 15 U.S.C. 1681s-2 ( b ), 12 C.F.R. 1022.43, Appendix E of Part 1022, and the Michigan Regulation of Collection Practices Act. 

Within the context of Defamation and False Light, XXXX XXXX conduct rises to the level of gross negligence. 

As a direct and proximate result of XXXX XXXX conduct, I have been severely harmed, subjected to repeated and compounding injury, and remain exceptionally vulnerable to their continued misconduct as I have been for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-29 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: PR

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverified late payments for the account AUSTINCAPBK ( Account XXXX. XXXX ) on my credit report. Specifically, TransUnion shows a late payment for XX/XX/XXXX, even though the payment was made on time. 

I have already contacted TransUnion through a formal dispute letter, providing proof of timely payments and highlighting the inaccurate entries on my credit report. Despite this, TransUnion has continued to publish the incorrect information, causing harm to my credit reputation, including higher interest rates, declined credit opportunities, and emotional distress. 

This reporting violates several sections of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Duty to ensure maximum possible accuracy 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Failure of the furnisher to correct or delete information known to be inaccurate 623 ( a ) ( 7 ) : No prior written notice was provided before negative information was reported I also cited Cushman v. TransUnion ( 115 F.3d 220, 3rd Cir. 1997 ), which clarifies that a reinvestigation relying solely on automated confirmation from the furnisher does not meet the FCRAs requirement for a reasonable reinvestigation. 

Despite providing verifiable evidence, TransUnion has failed to correct or delete the false late payment, continuing to report inaccurate data that harms me financially.

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 2025-10-29 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: GA

Complaint narrative:
Second Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Failure to Properly Investigate and Verify under FCRA 611 ( 15 U.S.C. 1681i, Subsections AD ), 611 ( a ) ( 7 ), 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and TILA 1601.

I am filing this complaint because I am dissatisfied with the outcome of the investigation conducted by Experian regarding the disputed account on my credit report. Despite my initial dispute and Experians subsequent response stating the account was verified, it is clear that the investigation was insufficient and does not meet the legal requirements for accuracy or verification under the Fair Credit Reporting Act ( FCRA ).

Accordingly, I request a detailed description of the investigation process followed by Experian regarding the disputed account on my credit report. 
I cite the following provisions in support of my position : FCRA 611 ( 15 U.S.C. 1681i, Subsections AD ) : Requires a reasonable reinvestigation and full disclosure of the verification process.

FCRA 611 ( a ) ( 7 ) / 15 U.S.C. 1681i ( 7 ) : Requires credit reporting agencies to provide a description of the investigation procedure within 15 days of receiving a consumer dispute.

FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain the maximum possible accuracy of reported information. 
TILA, 15 U.S.C. 1601 : Emphasizes that all credit information provided must be accurate and transparent to protect consumer rights.

I am requesting that the credit reporting agency provide the following : 1. The full name ( s ) and business address ( es ) of the individual ( s ) or furnisher ( s ) with whom the information was verified.

2. The exact date ( s ) and method ( s ) of communication used to contact the furnisher ( s ) during the verification process. 
XXXX. Any voice recordings and/or transcripts of calls used to verify this information. 
4. A clear and detailed description of the entire procedure used to determine the accuracy and completeness of the disputed information, including all internal and external verification steps, as required by FCRA 1681i ( 7 ) If the creditor is unable to provide adequate verification of this account, I request that the entry be immediately deleted from my credit report.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Prosper Marketplace, Inc.
State: MS

Complaint narrative:
I have no knowledge of this account, this is fraudulent.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Dear MIDLAND CREDIT MNGMT / XXXXXXXX XXXX XXXX  : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : XXXX  Original Credit
Agreement ( the contract I allegedly signed, if applicable ) XXXX  Full Itemized Statement ( showing how the balance was calculated ) XXXX  Forward Flow Agreement ( proving debt transfer from original creditor ) XXXX  Chain of Title / Assignment Documents ( showing legal transfer of ownership ) XXXX  Complete Payment History Records ( verifying payments or delinquencies ) XXXX  Validation Notice ( per FDCPA 1692g ) XXXX Notice of Default / Intent to Collect ( as required by law ) XXXX  Proof of Statute of Limitations ( confirming debt is legally collectible ) XXXX  Credit Reporting Agreement ( authorizing reporting to bureaus ) XXXX  Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not co
nstitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief