vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: MO

Complaint narrative:
I believe these messages to be fraudulent because they're requesting money from " XXXX, '' but my XXXX account was closed more than a year ago. Messages are being sent from short code # XXXX First text message : Wednesday XX/XX/year> at XXXXXXXX XXXX " Welcome to XXXX XXXX XXXX debt collector XXXX XXXX. # XXXX very by acct. XXXX XXXX XXXXXXXX? 's call XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX I searched the XXXX phone number listed, and it is not linked to a business. Second text message : Immediately following " XXXX, we have made multiple attempts to contact you about your overdue debt of {$460.00} to XXXX, but your account XXXX balance remains overdue. If you are not able to pay in full, a payment plan is available here XXXX or call us on XXXX. XXXX is a debt collector. Disclose XXXX XXXX XXXX XXXX XXXX '' XXXX text : Thursday XX/XX/year> at XXXX XXXX " EARN ACCOUNT CREDITS : Return XXXX equipment at UPS store XXXX Or, call XXXX. InDebted, a debt collector. Disclosure XXXX XXXX to optout XXXX XXXX XXXX XXXX text : Monday XX/XX/year> at XXXXXXXX XXXX " XXXX, XXXX still haven't paid your past due debt XXXX with XXXX We have made multiple attempts to collect the debt ; however, the account remains delinquent. The full balance of {$460.00} is due and needs to be repaid. A payment plan is available here : XXXX or call us on XXXX. InDebted is a debt collector. XXXX indbt.co/sms XXXX XXXX XXXX XXXX '' I have not responded or clicked on any links. I have also not previously been contacted via mail or any other means of contact. The account number they provided also does not match my previous account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Waypoint Resource Group on behalf of original creditor XXXX, currently reporting a balance of {$280.00} on my XXXX credit file. This account has never been disputed prior to this complaint. Waypoint has not validated this debt, has not established a permissible purpose to report on my credit file, and has not produced any documentation proving the chain of ownership from XXXX to Waypoint. Waypoint 's continued reporting without debt validation violates FCRA 623 ( a ) ( 8 ) and FDCPA 809. I have never received written validation of this debt nor have I provided written instruction authorizing Waypoint to access or report on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
I am filing this complaint regarding the handling and denial of a billing dispute by my credit card issuer. I dispute a charge in the amount of {$99.00} on XX/XX/XXXX that I did not authorize. I promptly reported the transaction upon noticing it and initiated a dispute. During the investigation, I consistently stated that I did not make or authorize this purchase and that no one else had permission to use my card. The issuer has now denied my dispute XXXX times, stating only that their records indicate the transaction was authorized. However, they have failed to provide any substantive evidence demonstrating that I participated in or authorized this transaction. Specifically, the issuer has not provided : The method of authorization ( beyond a generic e-commerce designation ) Any IP address or geolocation data tied to the transaction Any device identification or digital fingerprinting information Any merchant-provided documentation showing my involvement ( such as account login records, receipts, or delivery confirmation tied to me ) Despite multiple attempts to obtain clarification through customer service, I have been unable to reach anyone with access to the underlying investigation. Representatives have repeatedly stated they do not have additional information and can not connect me with the team responsible for the decision. The issuer also acknowledged that they do not have proof that I personally authorized the transaction, yet they continue to uphold the charge. This suggests the decision was based on the absence of fraud flags rather than affirmative evidence of authorization. Under the Fair Credit Billing Act and Regulation Z, creditors are required to conduct a reasonable investigation of disputed transactions. A conclusion based solely on automated authorization or lack of detected fraud indicators does not meet the standard of a reasonable investigation when a cardholder explicitly denies involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I decided to go with amerisave for a XXXX for my XXXX after I disclosed that we had already begun some construction and that we were looking to get the loan for XXXXXXXX XXXX on the property. I was told that it would be ok so when the XXXX came to my house on XX/XX/XXXX she told me that there was only XXXXXXXX XXXX permit on her record and that the construction was not ok to the company that was going to finance me the money. On XX/XX/XXXX I was denied for the same reason that the appraiser told me and was told by the processor that I would get a refund for the lock in plus the appraisal fee. Its been about XXXX weeks and I have tried to get in contact with someone at amerisave about my refund but they start off with wanting to talk but they never respond back after the initial contact. I have tried getting in contact via phone call with the processor, loan officer, loan officers manager, and their customer service and they have all been giving me the run around with no solutions and only dead ends.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I am providing additional information regarding my complaint. The account in question is being reported with inconsistent and conflicting information between the original creditor and the collection agency. The validation I received from the original creditor shows a different balance and a different charge-off date than what is currently being reported on my credit reports. Additionally, the Date of First Delinquency is not consistent across furnishers. Because of these discrepancies, the account is inaccurate and can not be properly verified under the Fair Credit Reporting Act. I am requesting the complete deletion of this account from all credit reporting agencies. I am not requesting an update or correction, as the information being reported is unreliable and contradictory. Please provide written confirmation once the account has been deleted and reporting has ceased.From ORIGINAL CREDITOR ( XXXX ) Balance:XXXX Charge-off date : XX/XX/year> Date of First Delinquency:XXXX From XXXX XXXX Balance:XXXX Date assigned:XXXX Date of First Delinquency : From XXXX XXXX ( whats showing now ) Balance:XXXX Charge-off date:XXXX Date of First Delinquency : not listed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have no knowledge of owing this debt. In fact, how can I owe a company that I've never done business with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
What happened? I terminated my XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, signed XX/XX/XXXX ) under the Servicemembers Civil Relief Act ( SCRA ) and returned the vehicle on XX/XX/XXXX after 101 days of a 36-month term. My contract shows a total capitalized cost reduction ( CCR ) of {$13000.00} that reduced my gross cap cost from {$62000.00} to {$48000.00} and lowered my monthly payments. This CCR included {$11000.00} rebates/noncash credits + {$3500.00} cash at signing. [ Attachment ] Ford Motor Credit issued a total refund of {$1600.00} ( ~ {$900.00} prorated SCRA refund + my most recent payment ). When I requested the itemized SCRA refund formula showing proration of my unused lease term ( 90.8 % remaining ), they stated my contract was the document used but confirmed they have no separate itemized calculation. The representative said my {$3500.00} cash was arbitrarily reduced by the first payment ( {$610.00} ), taxes ( {$1000.00} ), title fees, and acquisition feeswithout allocating any deductions to the {$11000.00} rebates despite the contract treating all components as one unified CCR. [ Attachment ] SCRA 3955 ( f ) requires refund of lease amounts paid in advance for a period after termination. The full {$13000.00} CCR qualifies as it prepaid my lease obligation. Expected prorated refund : {$13000.00} 90.8 % {$12000.00}. Their {$1600.00} excludes 74 % of my CCR and lacks any proration documentation. Attachments : Lease contract, SCRA termination notice, military orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Received letter from a debt resolution consultant that Civil suit No. XXXX has filled a lawsuit against me. I have not received a lawsuit. Would like a debt validation letter. Also cease and decease until debt has been validated.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
b"My name is XXXX XXXX and I'm writing in behave of XXXX XXXX XXXX XXXX (a XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Mail: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the President of XXXX XXXX XXXX XXXX.\nWe had mailed to checks to a Michigan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checks payable to XXXX XXXX out of our XXXX business account XXXX XXXX XXXX dated XXXX XXXX XXXX dated XXXX\nI had changed residence in July and for whatever reason had not been receiving statements from XXXX even though the business address was completely different. \n\nThese two checks were not received by the vender, and they notified us 60 days later. We reissued the check. We now find that these two business checks were re cut under the Business name of: XXXX XXXX XXXX XXXX XXXX\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nBank of America cashed these business checks without any account being assigned to this business name which was drawn off of our company account on the back of the check. These checks were cut for the same amounts with a near identical name, so it was not until our year end audit did, we find this discrepancy. \n\nXXXX XXXX claims no responsibility as Bank of America had been the bank to have cashed the fraudulent checks. These checks were cashed without normal bank protocol or checks and balances. Who opened the account for XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX that allowed someone to cash this check?"

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 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
Accident happened in XX/XX/XXXX. The first payment was in XX/XX/XXXX the balance due was XXXX. For a XXXX Ive been pay XXXX XXXX XXXX each month and for some reason, XXXX payment didnt go through this beginning of the year, so my balance went up to XXXX. Without notice, XXXX been telling me to restart my payment, which I agree until I saw the amount and they told me I XXXX paid anything this past year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Subject : Wrongful Credit Reporting 30-Day Late Due to Creditor System Failure ( Avant Card ) Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint against Avant Card ( issued by XXXX ) regarding inaccurate credit reporting and failure to properly account for a system-related issue that prevented me from making timely payments. I made multiple good-faith attempts to access my account and submit payment prior to the due date ; however, I was unable to do so due to technical failures within XXXX mobile application. Despite uninstalling and reinstalling the app several times, I was consistently unable to log in or process a payment. Avant has acknowledged in writing that their mobile application may have been outdated and could cause issues including the inability to log in or process payments. Despite this acknowledgment, Avant has continued to report a 30-day late payment on my credit report, which is both unfair and inaccurate given that the failure to pay on time was directly caused by their system limitationsnot any negligence on my part. I acted in good faith and attempted to resolve the issue promptly once access was restored. The creditor is fully aware of the situation and that the account has since been brought current. Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report information that is accurate and complete. Reporting a delinquency under circumstances where the consumer was prevented from making payment due to the creditors own system failure is misleading and does not reflect the true payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: IA

Complaint narrative:
I am filing a complaint against Vance & Huffman LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I mailed a written debt validation request to Vance & Huffman LLC on XX/XX/year>. According to USPS tracking, the letter was delivered on XX/XX/year> at XXXX XXXX As of today, I have not received any response, validation, or documentation verifying the alleged debt. Despite receiving my timely dispute and validation request, Vance & Huffman LLC has reported this alleged debt to the credit reporting agencies. This reporting occurred without providing validation and while the debt remains disputed. This is a violation of my rights under the FDCPA, which requires a debt collector to cease collection activity until validation is provided, as well as the FCRA, which prohibits the reporting of inaccurate or unverified information. As a result of their actions, my credit score has decreased by over 20 points, causing measurable harm to my financial standing. Vance & Huffman LLC has failed to meet its legal obligations and continues to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding my auto loan with Westlake Financial, that has been paid in full on my XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, but the lienholder has failed to properly release the lien in accordance with Georgia law. On XX/XX/XXXX, I paid off my vehicle using a cashiers check for {$16000.00} issued by XXXX XXXX XXXX XXXX. Then I had {$23.00} balance I paid on their app on XX/XX/XXXX The finance company acknowledged receipt of payoff funds and provided a lien release letter. However, they told me they had sent the title to XXXX XXXX XXXX XXXX and as of the date of this letter they have not received it. The vehicle is titled in Georgia, where lien releases are required to be processed electronically through the Georgia Electronic Lien and Title ( ELT ) system. The Georgia Department XXXX XXXX XXXX XXXX XXXX has confirmed that paper lien release letters are not sufficient and that the lienholder must submit the release electronically. Despite multiple attempts to resolve this issue, the finance company has refused to process the lien release electronically and continues to incorrectly state that the matter is the responsibility of the State of Georgia. As a result, I am unable to obtain a clear title for my vehicle. This failure to properly release the lien is preventing me from exercising full ownership rights over my paid-off vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: OR

Complaint narrative:
I am filing a complaint against a Synergetic Communications for repeated violations of federal law. In XX/XX/XXXX, I disputed a collection account because the agency failed to provide proper validation and did not send the legally required written notice. After my dispute, the account was removed from my credit reports in XX/XX/XXXX. In XX/XX/XXXX, the same collection agency began contacting me again by phone. They still did not send any written validation notice. On or about XX/XX/XXXX, the collection account was reinserted onto my credit reports. I did not receive any notice of reinsertion from the credit bureaus within five business days, and the collection agency has still not provided any validation of the debt. This appears to be a repeated pattern of unlawful behavior, including : * Failure to provide required written validation notice * Continuing collection activity without validating the debt * Re-reporting a previously removed account without proper compliance * Possible failure to meet reinsertion notification requirements This has negatively impacted my credit score and caused ongoing harassment. I am requesting : * Immediate removal of this account from all credit reports * An investigation into the collection agencys practices * Enforcement of applicable consumer protection laws I have documentation of my previous dispute, certified mail records, and current credit report changes, which I can provide upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding my XXXX account with Synchrony Bank. I was enrolled in electronic statements but did not receive meaningful notice that my promotional deferred interest period was ending, nor did I receive notifications regarding accumulating late fees or changes to my balance. This required me to manually log into my account to discover critical billing changes, and I was not provided with timely or effective alerts via email or other communication. As a result, I was charged approximately {$1500.00} in deferred interest in XX/XX/XXXX and multiple late fees of {$40.00} per month over several months ( XXXX XXXX XXXX XXXX. I was deprived of a reasonable opportunity to avoid these charges due to the lack of adequate and effective notice. This raises serious concerns under federal consumer protection standards, including the Truth in Lending Act and the Credit CARD Act of XXXX, which emphasize clear disclosures and fair billing practices. While disclosures may technically exist within account portals, a system that relies solely on passive accesswithout active notificationundermines the intent of these protections. Additionally, this situation reflects broader concerns about unfair and deceptive practices in consumer finance. Regulators, including the Consumer Financial Protection Bureau, have emphasized that consumers must be provided with meaningful and timely information to make informed financial decisions and avoid excessive fees. California has also increasingly taken action to address opaque and predatory financial practices, reinforcing the expectation that financial institutions operate with transparency and fairnessnot merely technical compliance. When I contacted Synchrony Bank to resolve this issue, I was informed that there is no dispute process and that no adjustments could be made, which is both inaccurate and unacceptable. I am requesting : Reversal or substantial reduction of deferred interest charges Reversal of accumulated late fees A review of the banks notification practices for electronic statements I made a good faith effort to manage this account and was not given a fair opportunity to do so due to inadequate communication practices. I am requesting a formal review and resolution.

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