vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: VA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX and their handling of my joint spousal consolidation loan originally taken in XXXX. 

My ex-wife and I divorced in XXXX, and since XX/XX/XXXX I have been the sole person making payments on this loan for more than 12 years. XXXX has never attempted to contact my ex-wife or pursue her for her share of the obligation, and I have been carrying the full burden alone. 

Since XX/XX/XXXX, I have repeatedly contacted XXXX to request help and clarity on this matter. I became unemployed in early XXXX and asked for a temporary extension or forbearance due to hardship. XXXX denied my request twice, stating that my ex-wife would also need to submit paperwork. This is not feasible ; my ex-wife and I have not been in contact since XXXX, and requiring her participation makes it impossible for me to receive assistance, even though I have been the only payer for over a decade. 

I have also tried in the past to have the loan split using the federal joint-spousal loan separation program, but XXXX has not helped facilitate this process or offered guidance. Joint spousal consolidation loans are a well-known issue nationally because borrowers who divorce are left financially trapped, and my situation reflects exactly that problem. 

This loan has effectively become my individual responsibility, yet XXXX continues to treat it as a joint obligation only when I request relief, never when it comes to pursuing the co-borrower or allocating accountability fairly. 

In XXXX, I sent a formal written complaint to XXXX Privacy and Compliance Team summarizing the situation and requesting : A full review of how XXXX is managing joint borrower responsibilities Clarification of why my hardship/forbearance requests were denied An explanation of why XXXX has not contacted or attempted to collect from my ex-wife Guidance on separating the loan under current federal programs I have received no meaningful response from XXXX, despite reaching out since XX/XX/XXXX. 

I am asking the CFPB to investigate XXXX  handling of this account, ensure they are following federal servicing standards, and require them to provide a written resolution addressing the issues above. My primary concerns are fairness, proper application of federal hardship options, and the lack of any effort to engage the co-borrower who is equally responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My cousin was living with me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was verifying a money transfer from XXXX XXXX XXXX to NFCU and discovered ATM withdrawals at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He somehow got my Navy Federal Credit Union ( NFCU ) Debit Card pin and was removing my debit card from my wallet in my purse and making unauthorized transactions. I provided text messages as supporting documents to my institution. The text messages from him stated he was used my card. Also, stating that he would somehow pay me back. I also provided pictures of him as supporting documents. I also included a copy of his XXXX  State ID, which I will not provide to you, unless requested. On XXXX XXXX, XXXX, I thoroughly went through each transacation in my checking account and reported the fraudulent charges to NFCU. I was issued a new debit card. I told them that some of the transactions would be completed by me and valid, as we both shop at XXXX. I have never utilized the ATM at XXXX. He was stealing my cigarettes and was purchasing cartons to replace them. NFCU denied my claim and stated, we determined you authorized and / or participated in the activity. The majority of their investigation process is done electronically, physical documentation relating to your fraud claim is minimal. I can not submit a police report without the fraudulent charges confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed multiple accounts reporting that do not belong to me. These accounts are harming my report. They are harming my profile and I plan to take action.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed multiple accounts reporting that do not belong to me. These accounts are harming my report. They are harming my profile and I plan to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: UT

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. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: AR

Complaint narrative:
I am filing a complaint against Kikoff lending LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ). I disputed a negative account on my credit report that I do not recognize and requested proper verification.

The company responded stating the account was verified, but they failed to provide any wet signature, signed contract, application, or documentation proving that I opened or authorized this account.

This means the information is : Unverified Inaccurate Incomplete In violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i Because my identity information was exposed in a recent data breach, this makes accurate verification even more necessary. They can not legally report an account they can not verify. 

Despite this, the company continues to furnish the negative account on my credit report without any proof. 

This is a clear FCRA violation. 

The company did NOT provide a wet signature. 
The company did NOT provide a signed contract. 
The company did NOT provide an original application. 
The companys verification consisted of generic automated responses with no supporting documentation. 
Under FCRA 1681i ( a ) ( 1 ), the company must perform a reasonable investigation, which did not occur.

Under FCRA 1681i ( a ) ( 5 ), if the item can not be verified, it MUST be deleted.

They continue reporting the negative account without proof.

I am requesting that the CFPB intervene and require : 1.Immediate deletion of the unverified account 2.A full explanation of their method of verification 3.Compliance with all FCRA requirements 4. Chain of custody I have attempted to resolve this directly with the company, but they refuse to correct the inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX account was closed due to inactivity for over XXXX months. Now that I want to work for XXXX a company that uses XXXX to process their payments to their employees XXXX cant reactivate or open a new account. I contact XXXX customer service and they told me they dont know the reason why. They are sorry but cant help me any further. Told me to ask if XXXX has another method of payment which they dont. So until I can open a XXXX account I cant work for 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 2025-12-02 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal is refusing to allow me to access and transfer my own available funds between my Navy Federal accounts. I am formally requesting that Navy Federal immediately transfer {$79.00} from my account ending in XXXX to my account ending in XXXX to resolve the overdraft. Navy Federal has repeatedly ignored my requests and has not provided any legal justification for withholding my money. 

This conduct violates multiple federal regulations : XXXX. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

Navy Federal is blocking my access to my own available funds without any lawful reason.

EFTA requires financial institutions to : Provide prompt access to a members available balance, Not delay, block, or interfere with a consumers right to move their own money, Allow internal transfers unless a documented legal restriction exists. 

Navy Federals refusal is directly inconsistent with EFTAs access requirements.

2. CFPB Regulation E 12 C.F.R. 1005.10 Regulation E states that a consumers right to initiate transfers must be honored unless a specific legal prohibition is provided in writing. 
Navy Federal has not given me : A written legal reason for blocking my internal transfer, A copy of the policy being used to deny my request, or Any documentation required under Regulation E when restricting access to consumer funds.

Blocking an internal transfer while refusing to cite a federal statute is a Regulation E compliance failure.

3. NCUA Member Access Requirements Under NCUA standards, credit unions must : Provide timely access to member funds, Process internal account-to-account transfers without unreasonable delay, Provide written explanation when denying a members request involving their own money. 

Navy Federal did none of this. Instead, they withheld my available credit balance, forced my second account into overdraft, and refused to process a simple internal transfer. 

Summary of Harm I am being denied access to my lawfully available funds. Navy Federal is withholding my own money without explanation, causing an unnecessary overdraft on my account ending in XXXX. I requested the internal transfer multiple times and they have refused to perform it or provide any legal justification. This is a clear failure to comply with EFTA, Regulation E, and NCUA access requirements.

I am asking the CFPB to investigate Navy Federal for withholding consumer funds, refusing to provide mandatory documentation, and failing to comply with federal banking regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Approximately XX/XX/XXXX I paid XXXX for service they charged me XXXX XXXX And in less than XXXX hours charged me XXXX without me knowing. I've asked for a refund and since I never got any use of there services I thought they would. But seems I get a bot everytime trying to deal with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Automated Collection Services, Inc.
State: MA

Complaint narrative:
The company calls and doesn't leave a message. I believe that they are calling for someone who used to live here, but they don't leave a message. I attempted to call Automated Collection Services Inc at XXXX, but their office was closed and their voicemail was full. Without their leaving a message, it's unclear whether they are even calling the correct number, which they probably aren't. 

Call from XXXX at XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX Call from XXXX at XXXX XXXX Call from XXXX at XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX Call from XXXX at XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX they left me a voicemail saying there was a case number and legal documents to sign on a debt from XXXX 7 years after they say it was defulted They kept saying I needed to settle or it would go on my credit report as a judgment and they would just take it out of my check When I told them im not agreeing to anything until I find out what's going on I was told " fine its coming out of your check and going on your credit '' and they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year>

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