vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I reported a Fortiva account as fraudulent and provided text messages from the salesman that stated I was just a reference, and a police report documenting identity theft. Fortiva continues to repot this account in violation of 15 U.S.C 1681-2. The account was opened through deception by a salesman using my phone without informed consent. I am requesting immediate deletion and written confirmation. I have called and spoke with many people on this issue. I got paperwork from furtiva and the signatures do not match, the phone numbers do not match and the address/email address are not mine. I was told by a salesman that I was a reference to help my friend open an account with them. The company said they have a " picture of me signing. '' The salesman used my phone to log onto his work account and said he needed my name to get my friend a discount as a reference. He showed me that I was going to be a reference on the phone, that is ALL I AGREED TO then the next thing I know I am getting a XXXX XXXX  credit card from furtive in my name, my credit was ruined and I did not get a house because of this leaving me homeless. As you can see in the documents provided, the salesman stated in text message that he would get the information to the home owner and use his card. You can also see the signature does not match my own from a photo of my drivers license and the " signature on the paperwork. '' Also, details are provided in the police report of what exactly happened. There is also a XXXX from the salesman XXXX XXXX for a " referral " to me. Showing I was just a referral. As shown in the paperwork that furtive provided, this is not my address, phone number ( only one number was changed in the phone number provided for who has authorization to the account ) I did not know password for the account, that is not my email address it is the owner of the house that I was supposed to just be a reference for. Pease review this paperwork. The only " signature " is computer generated not even my own. I did not sign for this, no terms were spoken to with me about any credit checks, credit card, terms NOTHING. I was only supposed to be used as a reference and I have been fighting this for a while. 
Thank you for reading

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debt Collector has not provided Proof of purchase or ownership of the debt. A complete and unbroken chain of assignment from the original creditor. A copy of the original signed contract or agreement. The arbitration agreement associated with the original creditor. A full itemization of the alleged balance. Evidence that this account was validated prior to any credit reporting according to Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been a Nordstrom cardholder for several years, and I want to start by saying that I genuinely appreciated Nordstroms assistance during prior periods of financial hardship. Over the past XXXX  years, Nordstrom worked with me when times were very difficult, and those programs helped me stay afloat during circumstances largely beyond my control.

Unfortunately, my financial hardship has been ongoing and compounded. I have experienced multiple rounds of layoffs, had a close family member become seriously XXXX XXXXnd just as I began to regain stability, I secured employment only to have my hours reduced from full-time ( XXXX hours ) to part-time ( XXXX hours ). Living in California, where the cost of living is extremely high, even basic expenses have become a significant challenge. 

Knowing that my prior hardship plan ended in XXXX, I contacted Nordstrom Card Services again in good faith to ask whether I might qualify for a longer-term hardship or payment assistance program. My hardship is documented and on-going.

During this call, the representative was dismissive and lacked compassion. I was immediately told that I had exhausted all hardship programs and that I would not qualify for any assistance. I was then told to call back on the XXXX to see if I qualify for a longer-term program, which was confusing and contradictory given the immediate denial. 

At no point was I provided with clear information about my obligations, alternative options, or how my minimum payment was calculated. My minimum payment increased sharply after the hardship plan ended, despite my circumstances remaining the same or worsening. I made it clear that I am willing to pay what I reasonably can, but I can not afford the current minimum of {$140.00} which is double what I was paying. 

I reached out seeking understanding, clarity, and reasonable assistance. Instead, I was brushed off without explanation and left with conflicting guidance. This experience was discouraging and felt inconsistent with the support Nordstrom had previously provided during difficult periods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX CFPB Experian / TransUnion / Equifax Re : Fair Credit Reporting Act Dispute Request for Investigation and Deletion of Unverifiable Information To Whom It May Concern : I am writing to formally dispute information currently being reported on my consumer credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and to correct or delete information that can not be verified. 

I request that you conduct a thorough investigation of all information you have on file that you report and that you verify the accuracy of all accounts currently listed. If, after your reasonable investigation, you are unable to verify any information as accurate, I demand that such information be deleted from my credit file in accordance with the FCRA. Under the XXXX, you are required to complete your reinvestigation within 30 days of receipt of this dispute and to remove or correct information that can not be verified as accurate. FCRA+1 Please also provide me with : Written results of your investigation.

A copy of my updated credit report reflecting all corrections or deletions.

Written confirmation that any unverifiable information has been deleted or corrected in compliance with the FCRA.

If you determine the information is accurate, I request a description of the procedure used to verify the accuracy of the information, including the name, address, and telephone number of any furnisher of information contacted during the reinvestigation. XXXX This letter serves as a formal demand that you satisfy your statutory obligations under the FCRA. Failure to comply with these requirements may result in further actions to enforce my rights under the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX'Capital One N.A. Case Number: XXXX XXXX  Order NoXXXX XXXX  ordered XXXX custom stools from XXXX XXXX online approximately XXXX XXXX years ago. I was told it would take close to XXXX months for the stools to arrive. That in mind, about XXXX  week after the order was placed, I called and cancelled it via the telephone. The stools were not yet produced, nor did they ever ship. More than XXXX years later on XXXX XXXX  2025 XXXX XXXX  put the XXXX  charge for the stools on my Capital One account and gave me no explanation; they never even notified me they were charging my credit cardXXXX XXXXI disputed formally with Capital One and eventually they said my issue was with the merchant, not them. They refused to help me and said XXXX XXXX  provided proof of delivery. I asked them to show me the proof (since the stools never shipped and were cancelled) and they refused. BXXXX XXXX 2025 Capital One told me my dispute has been closed and they would not help me.  They told me to call XXXX XXXXI have called XXXX XXXX now XXXX times to clear this matter up and each time they tell me things like my case was sent to a lead and Ill hear back or we filled out a refund form or you need to call the chargeback department. And by the way, the charge back department does not exist and they gave me an erroneous telephone number, further delaying progress on this situation.XXXXI asked for a supervisor to phone me. I never got a phone call. I asked for an email. I never got one. This went on throughout XXXX and XXXXI phoned XXXX XXXX the last time on XXXX at XXXX  Pacific Time and was told yet again that a refund form was filled out and I would receive an email confirmation in XXXX business days. It never came. And the charge for merchandise I never received remains on my Capital One credit card. I am making the minimum payments to maintain my good credit score, but I want this charge reversed.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Direct Express, operated by Comerica Bank, regarding repeated and egregious failures to provide access to my Social Security benefits. These failures have caused me financial hardship, emotional distress, and have endangered my health and housing security. 

My Experience : On XX/XX/XXXX, my scheduled Social Security payment was not deposited into my Direct Express account.This is the 3rd time. Despite confirmation from the Social Security Administration that the funds were released, I never received them.

I attempted to contact Direct Express customer service, but wait times exceeded several hours, and I was repeatedly disconnected.

The Direct Express mobile app and website have been inaccessible, preventing me from checking my balance or transaction history. 

Over the past XXXX years, I have experienced over XXXX instances where my card was declined at ATMs, grocery stores, pharmacies, and while paying rent, etc., despite having sufficient funds in my account. 

Twice I was evicted even though I had funds in my account! It forced me to sleep on a park bench in a dangerous neighborhood of XXXX de XXXX, XXXX. i attempted to occupy an abandon dweling and fell down a stair way in the dark. I sustained head inguries. 

These failures have caused me to miss rent payments, go without medication, and suffer food insecurity. 

This pattern of systemic neglect and obstruction is unacceptable. I demand a full investigation into Comamerica/ XXXX XXXX practices and immediate corrective action to ensure that vulnerable Americans can access their legally entitled benefits without obstruction. There are thousands of lodge complaints for the above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX Police Department ( XXXXXXXX XXXX XXXXXXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS CAP ONE AF XX/XX/year> XXXX  LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company. 

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided. 

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I made a debit card transfer from my Chime account to my XXXX account. The money was debited from my Chime account, but it never arrived or settled in my XXXX account. 
I contacted XXXX, and they confirmed in writing that the funds were never received or settled. 
XXXX also stated that a reversal was requested with XXXX on XX/XX/year>, and that the funds were expected to be returned to my external card within XXXX business days. 
Despite this, I never received the funds back. I then filed a dispute with Chime and provided proof from XXXX confirming that the funds never arrived and that a reversal was initiated. Chime denied my dispute without resolving the missing funds or providing proof that the transaction settled with the merchant. 
As of today, the money has neither been credited to my XXXX account nor returned to my Chime account, and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My direct deposit from my job was deposited on XX/XX/XXXX to Citibank. I proceeded to take out funds to pay my rent because I have been late on XX/XX/XXXX. I was unable to make a payment or withdraw any funds due to a fraud alert on my account because the amount was {$4000.00} I did every security and verification check. They still told me I would have to wait. 72 hours before I was able to access my money. By that time I had wished for the situation to be escalated because I knew I would receive an eviction notice. They said that theres nothing they can do. I still have to wait 72 hours. I have now received an eviction notice when there was no need for this. Today is now XXXX XXXX, and I am still unable to pay my rent and access my money. At this point, Im reporting them there is no reason why I should be getting kicked out of my home when I work hard and I have the money to pay, but the bank will not let me access it.

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 2026-01-01 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-01-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I requested the card but was unable to use the card because my birthdate was not matching their records, so I had trouble creating an account to review my debits and credits. I did not receive my direct deposit of a lump sum of XXXX dollars. Next, the card company began taking extra money from me that I did not spend and stated that the money would be returned in XX/XX/XXXX days. This occurs when I make a purchase with the card and some locations you are not able to use the card becuase it would say insufficient funds or declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MA

Complaint narrative:
The bank has put a permanent freeze on my account until I can provide an identification they know I was trying to buy the identification that I had stolen from me from XXXX in Arizona and froze the purchase. I have called back and spoken to a supervisor and demanded after her lengthy process complicated answer that they don't have the ability to give me a partial use of the account at a store to get food when they know I have XXXX  XXXX XXXX XXXX and I'm starving and I demanded that they close the account write a check and send it to for the full amount in my account to the address on record they refused to do it that is illegal they sent a card to XXXX XXXX XXXX XXXX XXXX and need to send a check with my full amount to that address.

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 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Called schooled refused to give transcripts dropped classes before the deadline and was able to enroll in another school since then multiple surgeries! Off work went through a divorce and he refused to pay settlement amount have not had a raised in 3 years financially! Trying to stay a float while still in pain and back issues and caring for mother with XXXX while trying to work less then 72 or less hours every 2 weeks rent went up and daily living.

Company response to consumer: Closed with explanation