vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I bought a visa XXXX $ gift card for my mom in cash on XXXX XXXX XXXX. My mom used it on XXXX shop and spent XXXX $ on XXXX XXXX. They canceled the card for fraud and send a new card. actived the new card on XX/XX/year>. With the balance of XXXX The card is not able to be used anywhere. I attempted to use it at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) every location declined it. Spoke to customer service and called them 8 times. They would put me on hold and hang up the phone call everytime. They would let me know the accepeted merchants involved. I got 0 information on where this card is even able to be used, and online they say its usable as a grocery store/XXXX but why is mine not even usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : XXXX. The name and address of the original creditor XXXX. The total amount of the alleged debt, including any fees, interest, or charges XXXX. Documentation showing I am legally obligated to pay this debt XXXX. Proof that your agency is authorized to collect on this debt XXXX. A copy of any agreement bearing my signature related to this debt Until you provide proper validation, I request that you cease all collection efforts and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed until validation is provided. Please note that I prefer all future communication to be in writing. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. XXXX XXXX XX/XX/year> -- {$410.00}

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 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX collected the XXXX balance in full ( account ending in * XXXX, amount {$370.00} ). My XXXX report shows the account as XXXX, with a last payment date of XX/XX/XXXX. Despite the balance being satisfied through the collection agency, XXXX later accepted an additional payment of {$410.00} on XX/XX/XXXX, confirmation number XXXX. This means XXXX processed a payment after the debt had already been collected and closed. This also indicates that XXXX did not update their internal records before or after assignment, and XXXX XXXX XXXX not have communicated the paid status back to XXXX. As a result, the payment history between XXXX and Credit Collections is inconsistent, contradictory, and can not be verified as accurate. The collection tradeline remains on my credit report despite the conflicting payment history and GEICOs later acceptance of payment. In XX/XX/XXXX, I contacted XXXX XXXX XXXX to request clarification, a receipt, and confirmation of whether a duplicate payment had occurred. XXXX responded only that there is no remaining balance, and did not address the duplicate payment, did not provide the requested receipt, and did not explain why XXXX accepted a payment after the account had already been collected. XXXX has not refunded the XX/XX/XXXX payment, has not provided documentation, and has not corrected the account history. Credit Collections has not corrected or deleted their reporting despite the conflicting payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am disputing an account furnished by XXXX XXXX that TransUnion continues to report as delinquent. The underlying product ( custom veneers ) was never produced or delivered. The merchant confirmed the order is on hold and no services were rendered. I submitted a direct dispute to XXXX XXXX on XX/XX/2026 and followed up on XX/XX/2026. XXXX has not responded or provided any documentation, including proof of delivery or a valid accounting of the balance. Despite this, TransUnion continues to report the account as verified. TransUnion can not reasonably rely on a furnisher that has failed to respond to a direct dispute and has provided no documentation substantiating the account. Please provide the method of verification used, including all documentation relied upon. If this account can not be fully verified with documented evidence, it must be deleted. This inaccurate reporting is causing harm to my credit profile and ability to obtain credit.

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
At the beginning of XXXX I opened an account with Gemini Exchange ( Gemini Trust Company , LLC ) and I immediately transferred {$5000.00} from my Bank of America account to my newlyestablished Gemini Exchange account. I can see the {$5000.00} in my GeminiExchange account but I can not do anything with it nor can I transfer it back to my Bank of America account. At the same time as opening my Gemini Exchange account I applied for their credit card which I have received but can not activate because my account is frozen. The last communication I have received from Gemini Exchange was on XX/XX/XXXX, and that appears to be a machine generated email, and since then I have sent several emails but have not heard anything back at all. The Gemini Exchange Ticket ID number XXXX. Hopefully you can help me regain control of my {$5000.00} that Gemini Exchange has prevented me from accessing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business falsely claimed that I did not live at XXXX XXXX XXXX XXXX in XXXX, CA which is where the item was lost. I provided the business a copy of the mortgage statement which reflects my name during the time that I lost the item at my property. However, the business is refusing to acknowledge the statement and/or process it as proof that it was in possession at my residence location. Furthermore, the business claimed that they contacted an unknown property manager at XXXX XXXX XXXX at an unknown date and time, and that the unknown property manager stated that I do not live there. It is unclear at to why the business is contacting property managers at that location, but it is clear that there is no relation between that address and the property i live at which is XXXX XXXX XXXX XXXX in XXXX, CA. Lastly, the business claimed that they contacted another unknown property manager at XXXX XXXX XXXX XXXX in XXXX, CA. It is unclear as to what the name and contact information of the unknown property manager is, but it is clearly not at my home since there were no property managers when I lost the item. The business needs to provide proof and evidence of the unknown property manage or any allegations that they wish to pursue. About 5 weeks ago, I submitted to American Express case number XXXX in order to resolve claim XXXX in accordance to the warranty policy. I have followed up every week on via telephone for an update but American Express has been refusing to provide any updates and/or make any progress on the case. Every time I call they claim that someone is going to call me about, but no one calls me. They did confirm that they have all the information they need but they refuse to make any progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer credit reports and noticed that your company is reporting one or more student loan accounts under my name. I do not recall giving your organization permission or authorization to report this information to the credit bureaus. As a consumer, I value my privacy and expect that my personal and financial information is handled responsibly and in accordance with applicable laws. I am concerned that my non-public personal information may have been shared without proper disclosure or my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business falsely claimed that the book was " one of a kind '' and that it was " used '' even though I provided the business proof from the XXXX seller the book was new. Furthermore, the book is a very common book in the literature and available to the public to purchase. However, the business did not want to accept the evidence and choose to deny the claim without any reference nor commenting on the evidence to support processing the claim. About 5 weeks ago, I opened American Express complaint XXXX related to purchase protection claim XXXX. On XX/XX/year>, I called American Express to get an update, they refuse to give an update or to resolve it. I have provided them all the information they asked for to process the claim but there has been no resolution. I also tried to reach them via e-mail but they responded saying that they won't give an update and did not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NV

Complaint narrative:
I had a cash app account and saw there was XXXX of dollars being transferred out, but I couldn't figure out where it was being transferred to, I checked all of my accounts.It wasn't being transferred to any of my accounts and it wasn't an authorized. It was {$3500.00} in total when I contacted Cash App support, I was told they would investigate it, but shortly contacting cash app they failed to do anything but they closed my account and wouldn't tell me why, they just closed my account without doing anything and would not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: TX

Complaint narrative:
I made a crowdfunding purchase in the amount of {$3300.00} in XX/XX/XXXX for a XXXX XXXX XXXX XXXX. As of the date of this complaint, the item has not shipped, and the estimated delivery date is not until XX/XX/XXXX. If the product ships from XXXX, delivery may be delayed until XX/XX/XXXX or later. Beginning in XX/XX/XXXX, I contacted the merchant multiple times requesting to cancel the order and receive a refund, as fulfillment had not yet occurred and production and delivery were still several months away. The merchant refused my request, stating that refunds are not allowed due to XXXX policies. However, XXXX policies do not prohibit creators from issuing refunds ; this is a decision made solely by the merchant. Despite my good-faith efforts to resolve this matter directly, the merchant has refused to provide any resolution. The goods have not been delivered, the delivery date remains in the future, and the merchant continues to deny cancellation and refund requests. I then filed a dispute with my credit card issuer and provided documentation, including XXXX policy clarifying that refunds are permitted at the creators discretion. I received written confirmation from the credit card issuer stating that the dispute had been resolved in my favor and that I would receive a credit to my account. However, upon reviewing my account, I observed the following transactions : a charge on XX/XX/XXXX for {$3300.00}, a repost of {$3300.00} on the same date, and a chargeback on XX/XX/XXXX for - {$3300.00}. Despite the letter stating the dispute was resolved in my favor, I did not receive an actual credit, and the balance of {$3300.00} remains on my account. When I contacted the credit card issuer to address this discrepancy, I was informed that the prior communication was sent in error, and the credit was not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I missed a payment due to financial hardship. I then entered into a XXXX catch-up payment plan with Ally Auto, which required increased monthly payments to bring the account current. From approximately XX/XX/XXXX through early XXXX, I made the required catch-up payments ( around $ 638 monthly versus my regular ~ {$470.00} payment ). Ally later confirmed that the catch-up plan was completed. However, despite completing the plan, my account has continued to reflect a past-due status. I was informed that my payments were applied to prior months rather than advancing my account as expected under the catch-up plan. As a result, my account has been treated as continuously delinquent since XXXX, and I have been required to make multiple payments within short timeframes, which was not part of the agreement. I have contacted Ally multiple times by phone and messaging and submitted a written dispute requesting correction, but the issue remains unresolved.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wanted to apply for a discover checking account so I did and when I submitted my information it said that I had an account and to enter my log in info and out of curiosity I clicked on forgot username and password and asked if I wanted the code to be sent to a phone number that was registered to that account that I have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have repeatedly contacted Capital One regarding an ongoing billing and servicing error on my auto loan account. For an extended period of time, I requested that my payment due date be changed to the 1st of each month to align with my income schedule. Despite multiple requests, this change was not properly implemented. As a result of this failure, my payments were applied under an incorrect billing cycle, which caused multiple late payments to be reported even though I was actively making payments and attempting to stay current. I was forced to make additional or early payments to avoid further negative impact. During a recent phone call, a representative acknowledged that a prior agent failed to process my due date change request correctly. Despite this admission, the issue has still not been fully corrected, and payments continue to be withdrawn or scheduled on the wrong dates. I am also a XXXX XXXX XXXX veteran and recently experienced financial hardship. I communicated this to the company and requested reasonable accommodation and correction of the account due to their error, but the situation remains unresolved. Because of the companys failure to properly manage my account, I have suffered unnecessary financial strain and potential negative credit reporting. I requested : Correction of my payment due date to the 1st of each month Removal of any late payments caused by this servicing error Proper application of all payments Correction of any inaccurate credit reporting The company has failed to adequately resolve these issues despite multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Subject : Formal Complaint Unresolved Insurance Check Hold and Mishandling of Funds ( XXXXPresent ) I am submitting this complaint regarding a long-unresolved issue involving a deposited insurance check and the handling of my account through Huntington Bank . In XX/XX/XXXX, I was involved in an accident where a deer struck my vehicle, resulting in damage. A check was issued for repairs, made payable to both myself and my lienholder. I brought the check to your bank, endorsed it, and was instructed by a representative that the funds would be deposited within 2448 hours. Without knowledge of the check needing the lienholders signature, I later saw the funds reflected in my account, but shortly after, the bank placed a hold on the check due to the lienholders missing endorsement. ( As shown in the picture ) From late XXXX through XXXX, I made multiple attempts to resolve this issue. I was repeatedly told to contact the insurance company and/or the issuing bank to have the check reissued or released. And the insurance company told me on their end the check states that its been cashed into my account. So it would be up to the bank to release the funds and they can re-issue a check. All of the back-and-forth became a headache because I was never provided with a clear or actionable resolution by your institution. They also told me to contact the lienholder at the time to get the signature however that is not how it works through the lienholder at that time. Its going on XXXX years of this never been resolved and I was notified I believe in XXXX of my account being closed without this issue being resolved Despite my continued efforts : * The check remained on hold indefinitely * The issue was never resolved * My account was eventually closed with the funds still unresolved As of today, I have not received the funds, nor a clear explanation of what ultimately happened to them. I am requesting the following : 1. A full investigation into the handling of this check 2. Documentation showing whether the check was ever processed, returned, voided, or transferred 3. The current location/status of the funds 4. Immediate steps to release or reissue the funds owed to me 5. An explanation for why my account was closed with this issue unresolved This situation has caused significant financial hardship and frustration over the past several years. I expect a prompt and thorough response. If this matter is not resolved, I am prepared to pursue further action, including escalation to regulatory agencies and seeking legal counsel. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: OK

Complaint narrative:
My ID needs to be verified, I've already sent my drivers license photos photos...

Company response to consumer: Closed with non-monetary relief