vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: DailyPay, Inc
State: NC

Complaint narrative:
Background and Root Cause : I successfully canceled my DailyPay account back in XXXX 2026. However, DailyPay failed to finalize the cancelation process correctly on their backend, meaning they were still actively set up to receive my paychecks from my employer. The severe issue began because of a failed support solution by tech team agent XXXX XXXX on XXXX # XXXX. On XXXX XXXX, 2026, XXXX XXXX unlinked my bank account mid-transferafter my employer had already sent my final paycheck to DailyPay, but prior to DailyPay routing those funds to me. This negligent action completely trapped my total net wages of {$2400.00} inside DailyPay 's master system. Because of this technical negligence, I was forced to reactivate my closed profile on the night of XXXX XXXX, 2026, just to re-enter my banking information to try and salvage the transfer. Timeline of Events and Negligence : XX/XX/XXXX & XX/XX/year> : DailyPay attempted automated transmissions to my bank. My bank branch ( SECU ) officially tracked these failed attempts under XXXX XXXX ID XXXX. The branch confirmed the transfers were automatically rejected because DailyPay 's backend system entered an incorrect " XXXX '' account prefix instead of my correct " XXXX '' prefix, creating an error loop. XX/XX/year>2026 ( approx. XXXX AM - XXXX AM ) : I spent over an hour on a marathon phone call with a support manager who explicitly confirmed that their system was looping this data typo. The manager claimed a new, corrected transfer was pushed at approximately XXXX AM today. XX/XX/year>2026 ( XXXX PM ) : No pending funds arrived at my bank before the daily processing cutoff. Because this transfer failed to clear as a same-day transaction, the funds are returning straight back to DailyPay 's network. Current Status : DailyPay is actively withholding my final wages. When I attempted to update my open support tickets to prevent their system from automatically sweeping this under the rug, their team repeatedly closed my new inquiries as " Solved '' while my money remained completely missing. They refuse to bypass their slow ACH queue to issue an immediate manual debit card push payment to my active card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Comerica
State: NY

Complaint narrative:
I had all my benefits put on the XXXX XXXX card but it was stolen so I order a new card to my new address and I received the card but in the process I lost all my IDs so I could get verified so the card was never activated so I'm just requesting that the funds be returned to me I received the new card around XX/XX/XXXX the amount should be around XXXX to a little over {$4000.00} I called and talked to them with no help at all I changed banks but I never activated the card when I signed up for the card the never told me the I would need to be verified I wouldn't of never signed up for the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am disputing a collection account being reported by Eastern Account System related to alleged XXXX equipment charges. The account is being reported with a balance of approximately {$800.00}, while the original amount reported is approximately {$210.00}. I requested documentation explaining the balance calculation and supporting the amount being furnished. I disputed this account with the credit bureau and directly with the collection agency. During the dispute process, I provided XXXX equipment return receipts, XXXX shipment confirmations, tracking information, and serial-number documentation showing that XXXX equipment was returned through the authorized return process on XXXX XXXX, 2024. Despite receiving this documentation, the account was verified and continues to be reported. I have requested an explanation of the reported balance, identification of any specific equipment allegedly not returned, and documentation supporting the continued reporting of the account. I believe the investigation was incomplete because the documentary evidence I provided was not adequately addressed. I am requesting a complete review of the account, documentation supporting the balance being reported, identification of any allegedly unreturned equipment, and correction or deletion of any 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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I am completely blocked from accessing my court-ordered child support funds. The automated vendor systems are entirely broken, and I am stuck in an infinite loop that will not allow me to request a replacement card. Standard customer service options have completely failed, and I can not reach a human operator or bypass the automated lockout. This is causing severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: NY

Complaint narrative:
This credit card company allow someone to open a credit card account in my name when I asked for the information they refused to provide so I can make a police report I want that person arrested instead the company kept asking for my information so I filed a complaint with FTC. On atlas credit card company I email them several times on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Exto Inc.
State: NY

Complaint narrative:
On XX/XX/year>2026 a direct deposit belonging to my partner, XXXX XXXX, was initiated into my Atlas Financial account. Atlas Financial rejected the deposit citing a name discrepancy on the transaction. Rather than simply rejecting or returning the single disputed transfer, Atlas Financial took punitive action by placing a total freeze on my entire account. This action completely blocks my access to all previously settled, undisputed funds that were already maintained in my account. The sweeping account freeze has severely impacted my financial stability. My own subsequent direct deposit is now actively blocked and trapped due to this restriction. Atlas Financial has effectively cut off my access to my primary livelihood, leaving me with XXXX liquidity to cover essential, immediate living expenses such as food and fuel. I have repeatedly contacted Atlas Financial 's customer support channels to resolve this administrative error. Initially, they requested a signed affidavit and identity verification by XXXX to release the funds into the account, and although that was provided the funds were not released and the account was not unrestricted. The institution has stated an unreasonable timeline to address the hold, which is unnacceptable to deny a consumer access to their undisputed personal property due to a clerical mismatch. I request that the CFPB compel Atlas Financial to immediately escalate this issue, isolate the single disputed payroll transaction if necessary, and immediately life the freeze on the remainder of my account so that I can access my undisputed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAST AND FAIR COLLECTION SOLUTIONS, LLC
State: WA

Complaint narrative:
Im writing to file a complaint against FAST & FAIR COLLECTIONS 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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing regarding my ongoing complaint about my installment loan account. After receiving your response stating that my loan was paid to date and reflected correctly, I have now noticed that my account is again showing a different due date even after my XX/XX/2026 payment was made. When I made my payment on XX/XX/2026, my account reflected on XX/XX/2026 that my next payment due date was XX/XX/2026, and that my loan balance was approximately {$8600.00}. However, the account information later changed again when logging in today says I still owe XX/XX/XXXX and I am now being told there is a reversal payment related to XXXX. This situation is confusing and raises concerns regarding the accuracy of my account history, payment application, and loan balance. I am requesting the following : A full explanation of all payment reversals and reapplied payments on my account. Written confirmation that my XX/XX/2026 payment was properly credited. Correction of any inaccurate due dates, balances, or delinquency status. Assurance that no negative credit reporting will occur because of internal bank adjustments or reversals. An updated and complete payment history for my records. This matter has caused ongoing financial stress and concern regarding the accuracy of my account. I expect the account to accurately reflect my payments and current status without additional errors or misleading due dates. Please investigate this matter promptly and provide a written response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Just this morning I was notified via phone call about a credit card debit, when I asked the supervisor for a letter or notification involving the credit they denied. I asked why they were denying me of my right and they simply said weve mailed it once and we will not be mailing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
I am filing a new complaint because my previous CFPB complaint regarding Five Lakes was closed before the issue was fully resolved. Five Lakes only returned {$760.00}, which is a partial refund and does not represent the full amount they withdrew from my account. The refund was not issued voluntarily by Five Lakes. Instead, my bank processed a forced return under Regulation E, which appears on my account as : Five Lakes ( CFFT Five Lakes ) ( CFFT ) / Late Rtnd 5 items / REG E. This means the bank returned five unauthorized debits, but Five Lakes has not refunded the remaining fees they took, including fees withdrawn after I revoked authorization and closed the account. Five Lakes has still not provided : A full accounting of all debits they took Documentation showing the fees were earned An explanation for why they continued to debit after cancellation A refund of the remaining balance owed I am requesting that CFPB require Five Lakes to : Provide a complete transaction history showing all debits they took. Refund all remaining unearned fees, including any taken after cancellation. Explain why they failed to return the full amount. Provide written documentation supporting any fees they claim are valid. This is a continuation of the same issue, but because the prior complaint was closed before the matter was resolved, I am submitting a new complaint to ensure the remaining funds are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Go Capital Holdings, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX in XXXX, Arizona, involving deceptive auto financing practices, multiple rewritten contracts, towing/repossessing a vehicle after delivery, and refusal to refund my money. In or around XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. I signed a Retail Installment Sale Contract, provided a down payment, provided pay stubs, bank statements, and other requested documents, and took possession of the vehicle. The dealership was aware of my prior credit history before approving and delivering the vehicle. After I had possession of the vehicle for an extended period of time ( approximately XXXX months ), the dealership repeatedly contacted me requesting additional documentation, including bank statements, pay stubs, and XXXX forms. I was also required to sign multiple contracts after already taking delivery of the vehicle. The dealership later claimed there were issues with financing and/or funding. Different explanations were given, including statements regarding title issues and inability to secure financing. I was pressured to sign new documents and provide additional money after already entering into a signed agreement and taking possession of the vehicle. The dealership eventually towed/repossessed the vehicle and has refused to refund my money. I believe I was subjected to deceptive yo-yo financing or spot delivery practices where the vehicle was delivered before financing was actually finalized. I am requesting an investigation into : deceptive financing practices, improper contract handling, repeated contract changes after delivery, failure to properly finalize financing before delivery, repossession/towing practices, - refusal to refund my money, and any improper credit reporting related to this transaction. I am requesting : 1. A full accounting of all payments made ; 2. Copies of all signed contracts and financing documents ; 3. Documentation showing lender approval or denial ; 4. Removal/correction of any improper negative credit reporting ; 5. Refund of money improperly retained by the dealership ; 6. Investigation into the dealerships financing and sales practices. I have supporting documentation including contracts, messages, title documentation, and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My accounts are not protected under a beneficiary due to a mess up with their system and not my beneficiary 's information and this has been going on for many weeks leaving my accounts at risk of probate because a XXXX trust is not being implemented. I have asked them to waive the penalty so I can close the account and for many, many days they keep saying that they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
I tried to settle account balance due, with XXXX XXXX, through the law firm heavnee begets and XXXX XXXX, they sent an agreement for XXXX times the amount owed

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
received a collection notice from Hillcrest Davidson & Associates, LLC dated XX/XX/year>, attempting to collect {$1100.00} allegedly owed to XXXX XXXX for account XXXX. I dispute this debt in its entirety. This alleged balance arises from a disputed XXXX XXXX contract. XXXX billed me for home monitoring services that were not provided for an extended period. Before this account was sent to collections, I sent XXXX formal written dispute and termination notices, disputed the charges through my financial institution, and filed complaints with the CFPB and the Texas Attorney General after repeated unsuccessful attempts to resolve the matter directly. Despite the unresolved dispute, XXXX referred the account to collections. I am requesting that Hillcrest Davidson validate the alleged debt and provide documentation showing the amount claimed is accurate, that services were actually provided, and that XXXX had a legal basis to refer this disputed account to collections. I am also requesting confirmation that collection activity will cease until proper validation is provided and that this account has not been reported to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AE

Complaint narrative:
I notified my apartment complex in XX/XX/XXXX and in XX/XX/XXXX that I would be moving out due to military PCS. I was getting messages and calls about a new lease. A new lease was signed at the behest of XXXX XXXX XXXX XXXX and staff while they knew I was getting orders to XXXX. After ensuring me that it would be fine for me to vacate under the SCRA with no penalty. Upon their receipt of said orders and my subsequent move out, they proceeded to remove the concession of {$1000.00} off of a months rent, kept the rent for the following month and left me with a move out fee. Had they not removed the concession i would be owed a total of XXXX in refund vs the remaining {$340.00} move out fee charged. I stayed in the apartment XXXX days of the new lease and that rent should be returned per the SCRA because i gave them prior notice of my move out and the orders. I initially was only going to do a month to month lease but they ensured that signing the lease and getting the concession would not affect me negatively in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
Beginning in XX/XX/XXXX I requested a complete accounting regarding my settled account. I remain current on all settlement payments ( {$150.00} monthly ), which continue to be accepted by Hunt and Henriques. My previous requests have gone unanswered, including a request communicated through council that was involved in negotiating the settlement honor about XX/XX/XXXX. I submitted another written request enclosed with my monthly payment. My request include complete payment history/ledger, current balance due, exact payoff amount, and accounting of all payments received under the settlement agreement.

Company response to consumer: Closed with explanation