vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
My vehicle financed through Lendbuzz was totaled. My auto insurance company issued a total loss payout check directly to Lendbuzz to cover the vehicle of {$21000.00}. Following this payout, multiple Lendbuzz agents explicitly and verbally confirmed over the phone that the insurance payout fully advanced my account balance, legally deferring my next out-of-pocket payment obligation until XX/XX/year> and did not have to pay for the month of XXXX or XXXX. Despite these explicit guarantees, Lendbuzz violated our agreement and attempted an unauthorized automatic ACH draft from my bank account for a XX/XX/year> payment. When I called Lendbuzz customer service today to correct this billing error and asked how to file a formal complaint, the agent intentionally hung up on me to avoid accountability. I am filing this compliance complaint for deceptive practices, predatory billing, and failure to honor verbal account terms regarding an insurance total loss payout. I request that Lendbuzz immediately cancel the XXXX draft, accurately update my account to reflect a XXXX due date as promised, and communicate with me only in writing moving forward. My vehicle financed through Lendbuzz was totaled. My auto insurance company issued a total loss payout check of {$21000.00} directly to Lendbuzz. I am also currently processing a XXXX insurance claim and a product warranty cancellation reimbursement. Lendbuzz agents explicitly and verbally confirmed over the phone that these payouts and incoming reimbursements would advance my account, meaning I had zero out-of-pocket payment obligations until XXXX. Despite these guarantees, Lendbuzz violated our agreement and attempted an unauthorized automatic ACH draft for XXXX. When I called today to dispute the XXXX billing error and asked how to speak to a supervisor, the agent hung up on me. I want Lendbuzz to stop all ACH pull attempts, honor the XXXX extension, and freeze billing until the XXXX and warranty funds clear the remaining balance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint because I discovered a collection account on my credit report that I do not recognize and do not believe belongs to me. It is extremely frustrating to be confronted with a debt that has not been properly verified and for which I have no knowledge or responsibility. In addition to the negative impact on my credit, I have been subjected to repeated collection attempts through various forms of communication, creating significant XXXX and XXXX. As a law-abiding consumer, I find it unacceptable to be associated with an unverified collection account that is affecting my financial standing and causing ongoing emotional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I, XXXX XXXX, am the sole owner XXXX operator of XXXX, XXXX, a XXXX-member limited liability company ( LLC ) XXXX under the laws of Wyoming XXXX XXXX in Technology start-up consulting XXXX other ventures. This statement is provided in support of claiming a deductible business loss on the 2024 federal XXXX state tax return for XXXX, XXXX. On XX/XX/year>, I initiated a wire transfer in the amount of {$15000.00} from the business checking account of XXXX, XXXX ( account number ending in XXXX ) XXXX the business account of my business partner, XXXX XXXX, at Capital One Bank. The transfer was made in the ordinary course of business for XXXX the purchase XXXX of a XXXX XXXX so we could joining build an XXXX XXXX freight service. Subsequently, XXXX XXXX notified me that had frozen the receiving account. After numerous attempts through XXXX Bank XXXX have these funds returned XXXX me, XXXX bank informed me that Capital One has informed them that they intent XXXX keep my funds permanently. Further, XXXX Bank has declared that they will no longer attempt XXXX reclaim those funds. I have received no indication from the bank or from XXXX XXXX that any portion of the {$15000.00} will be returned. I have taken the following reasonable steps XXXX recover the funds : XXXX escalation calls with Capital One XXXX calls XXXX XXXX Bank XXXX XXXX o XXXX sent Capital One several XXXX Messages Engaged personal XXXX business banking support teams XXXX assist in recouping funds XXXX date, all recovery efforts have been unsuccessful, XXXX the full amount of {$15000.00} remains unrecoverable. I have no reasonable expectation of future recovery .The transfer was a legitimate, arms-length business transaction made with the expectation of economic benefit XXXX XXXX, XXXX. Further, my bank ( JPMC ) has since contacted me XXXX informed me that they are not going XXXX continue any efforts XXXX reclaim those funds. This is generated significant losses for me XXXX in lost business opportunity XXXX in the significant amount of time I have invested into recouping these funds from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Security Credit Services, XXXX XXXX XXXX, XXXX, MS XXXX tel # XXXX ; creditor XXXX XXXX XXXX XXXX This acct is not in collections. On my behalf XXXX program negotiated settlement agreement for XXXX XXXX & I make regular monthly pymts. I have been in XXXX program since XX/XX/year>, XXXX handle all my credit card debt & have made settlement agreements with all my credit card creditors. Security Credit Services is trying to double dip & gave false info to 3-credit bureaus incorrect balances b/c I have been making regular monthly pymts. Security Credit Services has not provided the original signed contract signed by me. I make regular monthly pymts to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Sunrise Credit Services , Inc. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Sunrise Credit Services , Inc owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Sunrise Credit Services , Inc to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

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 2026-06-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding the servicing and handling of my auto loan account due to ongoing payment application concerns, lack of reliable account documentation, and insufficient communication from the lender despite multiple attempts to resolve these issues directly. I have maintained approximately 35 consecutive on-time payments on this account. Despite this consistent payment history, I have paid over {$23000.00} toward the loan, with only approximately {$8000.00} applied to principal. The remaining balance reduction does not reasonably align with the amount paid, and I am requesting a full review of how payments, interest, and fees have been applied. I also called 4 times to ask them not to take out an extra XXXX $ payment for the month of XXXX I was told that there will be no other withdrawals however it still went out. They also didnt report it on my account and only reported that I made the payment of XXXX for the month of XXXX and not XXXX XXXX Wrong information is being reported. In addition, I have experienced repeated issues with account servicing and communication, including : Difficulty obtaining clear or consistent information regarding my account status during phone calls Instances where prior notes or details of previous calls were not available or acknowledged by representatives Repeated lack of continuity between customer service interactions, resulting in conflicting or incomplete information Lack of transparency regarding how payments and inquiries are documented internally When attempting to resolve concerns, I have not received consistent or reliable explanations, and it appears that prior communication records are not always accessible or properly retained when referencing previous discussions on my account. I have also experienced issues with autopay and payment processing, including confusion regarding how payments were applied and reflected during certain billing periods. These issues have contributed to financial strain and uncertainty regarding the accurate status of my loan. At this time, I am requesting a formal investigation and account review, including : A full audit of all payments, interest charges, and fees applied to the account Verification of accurate payment posting and allocation to principal and interest Review and correction of any misapplied payments or servicing errors Review of all late fees or penalties associated with payment processing or communication issues A full review of account servicing practices, including documentation of customer interactions and account notes Consideration of loan modification, settlement options, or other corrective resolution based on payment history and account servicing concerns I am requesting a written response outlining : 1. The findings of the full account review 2. Any corrections made to the account 3. Any resolution options being offered as a result of this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I am a XXXX veteran I attend XXXX XXXX University. Im a XXXX XXXX XXXX student. XXXX is hardship pay. usaa put a 9 day hold on the entire check. Ive been a customer for 19 years ive been going to school since XXXX and have never had an issue with them cashing my checks. They said the check is more then normal. Its only XXXX my checks vary in amounts because im an XXXX student each quarter will differ a but depending on how many credit hours I have that quarter. Ive spoken to everyone up to the CEO I informed them I was going to file a former complaint.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Credit Collection Services. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Credit Collection Services owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Credit Collection Services to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery for committing identity theft. I have never given Portfolio Recovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Portfolio Recovery committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery can not provide me with proof such as a signed agreement between me and Portfolio Recovery giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under U.S Code 1618d - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Request for specific clarification and documents Regarding account closures I am responding to capital ones XX/XX/XXXX CFPB Response Concerning the closures of my accounts ending in XXXX and XXXX capital ones originally closure letter states that the accounts were closed because capital one had discovered pastor present, legal action associated with this individual or entity however, the CFPB response later stated that Only that the decision was based on unspecified business concerns I respectfully request clarification regarding the specific information relied upon on making this decision Specifically, I am requesting the capital one 1 : identify adverse, legal action that was referenced in the account closure 2 : explain how any legal action was related to me and that was referenced to the account closures 3 : confirm whether the information was obtained from a consumer reporting agency public record sources XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other third-party source 4 : confirm whether the decision was based on information related directly to me or another individual with a similar name address or identifying Information 5 : provide any notices records or disclosures required under applicable Federal law if a third-party information was used in making the decision. I have independently reviewed all information on my behalf concerning my file. there is not any liens bankruptcys judgments lawsuits or liens in my file. I am respectfully requesting capital one to give me a detailed response addressing these questions so that I may understand the basis for capital one decision-making and will take any necessary steps to correct any inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This letter constitutes formal executive notice of Capital Ones wrongful dishonor of a negotiable instrument tendered in connection with the above-referenced account and its continued failure to cure after notice. Despite timely presentment, Capital One dishonored the instrument without lawful justification, without identifying any defect, and without citing any statute, regulation, or contractual authority supporting rejection. Capital One further failed to issue a proper and specific notice of dishonor. Such conduct evidences a lack of good faith and a failure to adhere to commercially reasonable standards. This matter has now progressed beyond routine customer correspondence. Capital One has been afforded notice and opportunity to cure and has failed to do so. As of the date of this letter, Capital One remains unable or unwilling to : 1.Identify a specific defect or legal insufficiency in the instrument ; 2.Cite controlling authority justifying dishonor ; or 3.Confirm acceptance and proper crediting of the instrument to the account. The continued absence of a substantive response exposes Capital One to regulatory, civil, and reputational risk, including claims arising from wrongful dishonor, improper account handling, and bad-faith conduct. This letter places Capital One on actual notice that its actions and omissions may be relied upon as evidence of willful noncompliance. This conduct violates : - 15 U.S.C. 1666 ( Fair Credit Billing Act ) - 12 C.F.R. 1026.13 ( Regulation Z )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The credit card that theyre trying XXXX collect on all half arbitrary arbitration agreements XXXX should never happen filed as a lawsuit XXXX they have been reporting incorrectly on my credit reporting XXXX I want XXXX have a cease XXXX assist on all creditors reporting late payment on credit cards that Ive already been paid off

Company response to consumer: Closed with explanation