vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: HI

Complaint narrative:
SUTTELL & HAMMER is harassing me with letters, emails and phone calls about some Unknown account and threatening me with an unsubstantiated lawsuit. SUTTELL AND HAMMER IS trying to collect an unverified and unproven debt from a third party, that they have no legal right to try to collect. this debt is unverified and untrue. I have no contract with SUTTELL & HAMMER. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. SUTTELL & HAMMER is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices.

This Company needs to stop harassing me immediately.! SUTTELL & HAMMER HAS NO FORWARD FLOW AGREEMENT! PLEASE STOP CONTACTING ME NOW!

SUTTELL & HAMMER NEED TO STOP THREATENING ME WITH LAWSUITS. THIS IS HARRASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-18 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: TN

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I have tried to resolve the issue with my lender fayservicings llc. And I have applied for a modification since 2019 when covid hit and all my tenants and income I no longer had due to the closure of all. I applied over XXXX times with no help and all they have offered me was to sell my property or hand it over to them. I have fixed my hardship and I have increased my income more then XXXX %. And still they offer no help. I have also filed a complaint before and with no help I am still in the c Same situation and losing my home due to the lack of assistance fayservicing llc has given to their borrowers. I am pleading for them to look over my docs to see that I do meet all that is needed to move forward with a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Fiserv and First data have held my small businesses funds for over 1 year in the amount of {$3300.00}. I had conducted business as usual and was using their services to process merchant transactions for my customers when they suddenly they held a large payment for no real reason besides that it was suspicious and they refused to give an explanation. They told me that it will be on hold for 180 days then they will release it. Over 365 days have passed and they refuse to even respond or give me any contact. This is unfair a large corporation is taking advantage of small businesses forcing us to pay attorneys high fees to fight and get our money back leaving us with nothing. My merchant name is XXXX XXXX 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 2025-11-18 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-18 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:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 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: SC

Complaint narrative:
I am submitting this complaint because my credit file is reporting inaccurate late payments regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account ( Balance Owed : {$20000.00} | Date Opened : XX/XX/XXXX | Date of Last Activity : XX/XX/XXXX ) XXXX XXXX and the way the payment history appears on my report does not reflect the true manner in which I have maintained this account. As I reviewed my file, I was alarmed to find multiple late 30-day notations for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, which are inconsistent, misleading, and do not match my actual payment history. These entries paint an inaccurate picture of my credit behavior and undermine the fairness and accuracy that Congress emphasized under FCRA 602, while also violating my rights under FCRA 611, which allows me to dispute and request reinvestigation of information that is incomplete or incorrect. Additionally, the furnisher is required under FCRA 623 ( a ) ( 2 ) to ensure that information they report is accurate, updated, and truthful, and under FCRA 623 ( b ) they must conduct a reasonable investigation once notified of a dispute. Despite my efforts to have this corrected through the credit bureau, the inaccurate late notations remain on my TransUnion and Experian file and continue to harm my creditworthiness, making it difficult for lenders to see an accurate representation of my payment responsibility. All I am seeking is for my credit file to reflect the true and accurate history of this account, as these late remarks are not valid and do not represent how the account was handled.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I'm XXXX XXXX XXXX XXXX XXXX, and my TD convenience checking account is XXXX On XX/XX/XXXX, I withdrew my investments and transferred a significant amount of funds from my brokerage account to TD Bank. On XX/XX/XXXX, I attempted to make a transfer to a previously connected account, and my account was restricted without any clear explanation. It took me 8 account inquiries ( as attached in file 1 ), 2 customer service calls, and 3 calls I received from the TD Bank representative, before the hold was finally released ( as attached in file 2 ). 

However, after resuming normal activity on XX/XX/XXXX, my account was again blocked the very next day, following an attempted transfer to move my funds back to my brokerage account on XX/XX/XXXX, an account that has been connected to TD Bank for over 4 years. Since then, over 20 account inquiries, 5 customer service calls, and 7 emails have been sent to Customer Advocacy. I also received XXXX calls from TD Bank US Fraud Operations with incorrect guidance, and I filed a formal complaint with the CFPB ( as attached in file 3 ). 

In its response to the CFPB, TD Banks fraud operations unit shifted responsibility to XXXX without providing any specific information regarding the date, time, or type of transaction that allegedly triggered the account restriction. When I contacted XXXX, I was instructed to address the issue directly with TD Bank ( as attached in files 4 and 5 ). This confirms that TD Bank provided misleading information, even within the context of a CFPB complaint. 

My funds have now been restricted for more than 41 days, resulting in financial losses, significant inconvenience, a lack of transparency, and disregard for my time. Throughout this period, TD Bank has demonstrated an inability to provide even minimal support, relying on pre-programmed messages, failing to respond ( as attached in file 6 ), and offering ineffective or inaccurate guidance. This conduct reflects non-professional behavior and raises serious concerns of unfair and potentially deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-18 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-18 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 serves as a formal challenge to the referenced accounts. I do not recognize them and did not permit their creation. I request immediate deletion and review. Supporting evidence is included.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to GOLSEN 1 CREDIT UN dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), GOLSEN 1 CREDIT UN has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since GOLSEN 1 CREDIT UN did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure GOLSEN 1 CREDIT UNs immediate compliance with FCRA requirements. GOLSEN 1 CREDIT UN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-11-18 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: AZ

Complaint narrative:
I am filing this complaint because all three credit bureaus continue to report a late payment on my XXXX XXXX account even though the account is fully paid, shows a XXXX balance and XXXX past-due amount, and has not been delinquent. I have disputed this repeatedly and provided everything required of me, yet each bureau keeps returning the same generic verified response without addressing the fact that their own reporting contradicts the late mark. An account can not be both current with no past due balance and simultaneously labeled as late, and the fact that this inconsistency continues to appear on all three reports shows that no meaningful reinvestigation has taken place. 

This error has caused real consequences. I have been judged and declined by lenders based on a negative status that is simply not true, and I feel like I am constantly trying to defend myself against something that should not exist on my report in the first place. The FCRA requires accurate reporting and proper reinvestigation when a consumer disputes an error, but instead I have been left to deal with the emotional stress, financial setbacks, and the feeling that my concerns are being ignored in favor of quick automated responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4500.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$20000.00}

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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I opened a PayPal case on XX/XX/year> for a defective treadmill sold by XXXX. XXXX own published policy states that if an item is defective on arrival ( DOA ), they must issue a refund and cover return shipping. The seller eventually agreed to refund the purchase price but refused to honor the shipping coverage, violating their policy. 
PayPal allowed the seller nearly two months to respond, far beyond the expected fiveday window, and pushed resolution dates as far out as XX/XX/year>, jeopardizing my rights under the 30day Buyer Protection program. On XX/XX/year>, PayPals platform forced me to enter THERE IS NO TRACKING NUMBER and IT HAS NOT BEEN SHIPPED just to move forward, because no prepaid label was ever provided. 
When PayPal denied my case, I attempted to appeal, but the system blocked me from submitting under the correct category and forced me to choose another topic. That new complaint was denied by the seller within a day and immediately upheld by PayPal. On XX/XX/year>, I appealed again, pointing out that XXXX had only honored half of their policy and asking for human review. 
I called PayPal numerous times, reaching a representative only once. Other calls left me on hold indefinitely, including one documented fourhour hold. The automated chat insisted I escalate or forfeit funds, while the claim form repeatedly reset and refused uploads. 
This case demonstrates systemic failures : PayPals reliance on automation without human review, denial of proper appeals, and refusal to enforce seller policies. My experience mirrors numerous XXXX  complaints where consumers are trapped in automated systems and denied Buyer Protection. I request CFPB intervention to require PayPal to provide timely human review, enforce its Buyer Protection program, and ensure consumers can submit evidence without technical barriers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
These are inaccurate items. They show as late payments.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo denied my Regulation E claim ( claim XXXX XXXXXXXX ) for unauthorized debit card transactions that occurred on XXXX. My physical debit card was in my possession the entire time, and I did not authorize any of the transactions. The only possible explanation is card data compromise and fraudulent use. 

I reported the unauthorized activity promptly upon discovering it on XX/XX/scrub>XXXX Wells Fargo denied it XX/XX/year>. Because there was no loss or theft of my physical card to notice earlier, the two-business-day liability provision does not apply. Under Regulation E, these are unauthorized electronic fund transfers, and my liability is limited to {$50.00}. 

Wells Fargos denial assigns me responsibility for the full amount of {$730.00}, which is inconsistent with Regulation E. Their determination relies on an incorrect assumption that possession of the physical card means authorization. Regulation E does not allow this inference, and the bank has not demonstrated that I authorized the transactions. 

I am requesting that Wells Fargo conduct a proper reinvestigation under Regulation E, provide the documentation they used to deny my claim, and issue a full refund of the unauthorized charges.

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