vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS I is falsely reporting on my credit. I have never had any accounts with them. Per my research MEDICAL DATA SYSTEMS I 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 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NC

Complaint narrative:
TrueAccord has been reporting an alleged XXXX debt of {$1000.00} on my credit report. I formally requested debt validation under the FDCPA. On XX/XX/XXXX, TrueAccord responded in writing acknowledging my dispute, confirmed they paused all collection activity, and stated they would provide validation documentation before resuming collection. I consented to receive the documentation via email the same day. TrueAccord never sent the validation documentation. Despite this, they have continued to report this debt negatively on my credit report through XX/XX/XXXX, more than XXXX months after promising to provide validation. I have the complete email thread as proof. I am requesting immediate removal of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
I am disputing an erroneous debt for a XXXX XXXX XXXX account. In XX/XX/XXXX, I attempted to pay the full balance using XXXX third-party settlement checks ( totaling {$190.00} ) from a home equity loan. The creditor erroneously flagged these legitimate checks as fraud and closed the account instead of applying the funds, which prevented further payment. I have formally disputed this with the collection agency, XXXX XXXX, and the debt owner, XXXXXXXX XXXX, via email on XX/XX/XXXX, and again on XX/XX/XXXX. In both instances, I provided physical proof of the XX/XX/XXXX payments. Despite this, the companies provided a " validation '' response that intentionally omitted all account records from XXXX, XXXX, and XX/XX/XXXX, providing irrelevant statements from XXXX and late XXXX instead. They have failed to conduct a meaningful investigation into my proof of payment as required by the Fair Debt Collection Practices Act and Texas state law. I am requesting that they cease collection and delete this inaccurate information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Consumer Complaint PayPal Refusal to Issue Refund for Returned Products I am submitting this complaint regarding the actions of PayPal in relation to a transaction dispute involving the merchant XXXX XXXX. I believe PayPal has failed to properly investigate my claim and has allowed a merchant to retain payment for merchandise that was returned and received. Transaction Summary I purchased several items from XXXX XXXX using PayPal. I received the order on XX/XX/2026. After receiving the items, I initiated a return for two of the four items on XX/XX/2026 through the merchants return system. The returned items were shipped immediately and were delivered to XXXX XXXX on XX/XX/2026, confirmed through carrier tracking number XXXX. Despite the merchant receiving the returned items, no refund was issued to my original payment method. Dispute Timeline When the merchant failed to issue the refund, I filed a dispute through PayPal on XX/XX/2026. Initially, PayPal closed my case stating that I had missed the claim window, which is incorrect given the timeline of the purchase and return. After requesting that the case be reopened, PayPal changed the reason for closing the case and stated that the merchant issued store credit. This claim is also inaccurate. I did not receive any store credit and did not consent to store credit as a resolution. As a result, PayPal closed the case without resolving the dispute, even though : - The merchandise was returned. - The merchant confirmed receipt of the returned items. - No refund was issued. Consumer Harm I believe PayPal failed to properly investigate this dispute and relied on inaccurate information provided by the merchant. By closing the case without requiring proof of the alleged store credit or issuing a refund for returned merchandise, PayPal allowed the merchant to retain payment for goods that were returned and received. This has resulted in financial harm to me in the amount of {$130.00}. Resolution Requested I am requesting that PayPal : 1. Reopen and properly investigate this dispute. 2. Require the merchant to provide proof of any alleged store credit. 3. Issue a refund to my original payment method for the returned merchandise totaling {$130.00}. I have documentation showing : - Return confirmation from the merchant dated XX/XX/2026 - Carrier tracking confirming delivery to the merchant on XX/XX/2026 - PayPal dispute records showing the inconsistent reasons for closing the case Because PayPal is a financial services provider that facilitates consumer payments, I believe this matter falls within the oversight of the Consumer Financial Protection Bureau. I am requesting assistance in ensuring that this dispute is handled fairly and in accordance with consumer protection standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-06 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: TX

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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE INFORMATION SER is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE INFORMATION SER 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 2026-03-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding a debt that I believe was created through misrepresentation and is now being reported on my credit report and sent to collections. The account in question is currently being collected by Security Credit Services in the amount of {$12000.00}. According to my credit report, this account was opened on XX/XX/year> and is allegedly related to a loan issued by XXXX XXXX connected to a program offered by XXXX. When I briefly enrolled with XXXX, my understanding was that their program operated under a performance based agreement where payment obligations would only arise if they successfully helped me secure employment. I stopped using their services after only a short time because they were not providing meaningful assistance. At no point did I knowingly authorize or intend to take out a loan with XXXX XXXX for {$12000.00}. Despite this, a loan appears to have been opened on XX/XX/year> and has now been transferred to collections through Security Credit Services, which is severely damaging my credit. XXXX now appears to have ceased operations, which has made it difficult to obtain clarification regarding how this loan was created or authorized. I am requesting that the lender and the collection agency be required to provide proof that I knowingly authorized this loan, including the original signed agreement and documentation of authorization. If such documentation can not be provided, I respectfully request that this account be removed from my credit reports with XXXX XXXX XXXX XXXX and that all collection activity cease immediately. This situation has caused significant financial and personal stress, and I respectfully request assistance in resolving this matter and ensuring that my credit report accurately reflects only debts that I legitimately authorized. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC/ is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC/ 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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request to Midland Credit Management regarding an alleged debt. The letter was delivered and signed for on XX/XX/year>. I requested documentation from the original creditor and proof that Midland Credit Management has the legal authority to collect this debt. As of today, I have not received any validation or response by mail. However, the account was updated on Experian on XX/XX/year>, with the comment account information disputed by consumer and meets requirements of the Fair Credit Reporting Act. Midland Credit Management continues to report this account without providing proper validation after receiving my request, which appears to violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that this account be removed from my credit report immediately or that full validation be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The loan is coming up in my name although I don't have any vehicle for the loan. The company name is Exeter finance I have requested that they remove my information from the loan because I don't have any vehicle for that loan I want it removed they just keep going around in circles saying it is my account and asking me to pay they took down my phone number to call me back with a resolution but they keep asking for me to pay I told them I don't have any vehicle for payments they are requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In XX/XX/year> I disputed a {$100.00} charge for an item I dont receive. I tried to reconcile with the company as well as the bank and they just reversed the dispute credit 3 months later. I never got my item and I dont know why Im responsible for paying for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I copied and pasted the address to recieve around XXXX in etherium from my crypto app to paypal XXXX did their part but paypal gave me the wrong address and refused to admit to that i never typed a number only copied and pasted it they act like they dont mistakes like their perfect. XXXX out XXXX on that one they said they would investigate the first time i reached out for help but never emailed me anything telling me anything the next several attempts i reached out they just ignored what i told them and asked if there was anything else i needed refusing to admit fault. I know i should havd recieved it ive never had a problem transfering cyrpto to anywhere else just this XXXX time i used paypal and now im seeing a XXXX dollar charge on my chime account to them but their telling me i owe them XXXX so that would be the XXXX complaint im now out a total of XXXX cause a major company is refusing to admit they make mistakes please help this is not right i work hard for my money i dont want to let them get away with this i feel ive just beem bullied around by them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
My Robinhood account was closed/restricted, but my remaining funds have not been released to me. I have attempted to contact Robinhood support but have not received assistance withdrawing my balance. I am requesting help resolving this matter and receiving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, Credence Resource Management reported a medical collection account to my XXXX credit report on XX/XX/XXXX, causing a XXXX score drop. On XX/XX/XXXX, they also reported the same account to XXXX, causing an additional XXXX drop. I never received the collection letter dated XX/XX/XXXX. Both reports occurred during the active 30-day FDCPA dispute window, which did not expire until XX/XX/XXXX. The amount reported to both bureaus was {$2300.00}. However, Credences own records reflect the actual balance as {$2300.00}. The figures do not match, making both bureau reports inaccurate on their face. During our call on XX/XX/XXXX, the Credence representative could not explain the discrepancy. During that same call, the Credence representative told me the account had only been reported to XXXX. My XXXX credit alert from XX/XX/XXXX proves that statement was false. This is a materially false representation made to a consumer during a collection call. I paid the account in full on XX/XX/XXXX in the amount of {$2300.00}. Confirmation number : XXXX. This is a medical debt an XXXX XXXX and must be deleted from all bureau reports under the XXXX paid medical debt agreement. As of this filing, neither bureau has removed the account. I am requesting that the CFPB require Credence to immediately update all three bureaus and confirm deletion in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
XXXX XX/XX/XXXX Re : XXXX form for mortgage interest paid during XXXX To Whom It May Concern : The mortgage on my home was being serviced by XXXX XXXX up through XXXX, XXXX. I should have received a XXXX form detailing my mortgage payments and particularly my home mortgage interest payments by XXXX, XXXX. I first contacted your customer service line in XXXX and was told the XXXX was sent by mail and that it could take up to XXXX business days to arrive. It did not arrive. I called again and was told that a duplicate XXXX would be mailed and could take up to ten days to arrive. It did not arrive. I called one last time and was told that there was one more day before the receipt deadline passed. That was yesterday. It did not arrive. I proposed a simple remedy for the problem : send the XXXX by email. Your representatives told me this was impossible but could not explain why. Now I have to pursue a more arduous solution. You will be receiving a paper copy of this message by certified mail, and a copy will be sent to the Internal Revenue Service, the XXXX Department of Revenue, the Consumer Financial Protection Bureau, and the office of Congressman XXXX XXXX. I trust that one of these other recipients will show more interest in completing this simple obligation than you have. I look forward to eventually receiving my XXXX and filing my tax returns

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 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Based on the document you uploaded, here is a clear description you can submit : I am reporting identity theft and fraud involving my personal information. On XX/XX/year>, XXXX XXXX was arrested by the XXXX XXXX XXXX XXXX in Georgia. During the arrest, officers found documents in his vehicle that contained my personal information. These documents included copies of my drivers license, tax return paperwork, W-2 forms from different employers, and multiple Social Security cards belonging to me and my children. I was contacted by the XXXX XXXX XXXX XXXX XXXX and spoke with an XXXX about the situation. On XX/XX/year>, XXXX XXXX XXXX sent me a letter explaining that the documents found suggest that my identity may have been used in a fraud scheme. The investigator requested that I provide supporting documents such as my credit report, any unauthorized credit inquiries, accounts, loans, or mail from institutions that I did not personally apply for. I did not give permission for anyone to possess or use my personal information, and I did not authorize any accounts, loans, or financial activities related to these documents. I believe my identity was used without my consent. I am submitting this information so the companies involved can investigate and remove any fraudulent accounts, inquiries, or activity connected to my name and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am submitting a complaint regarding inaccurate and unverified debt collection reporting. On XX/XX/year>, I sent a written request for debt validation to the company regarding accounts they are reporting on my credit report. The request was made pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In my letter, I requested documentation to validate the alleged debt, including the original signed agreement, a complete payment history, and documentation showing the company has legal ownership of the debt. As of today, the company has continued reporting this account to credit reporting agencies without providing the requested validation or proof that the debt is mine. Reporting a disputed and unverified debt may be a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that the company either provide proper validation of the debt or immediately cease reporting the account and remove it from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
Debt collection agency contacted my dad about a debt. They tried collecting from him. I have not XXXX at home in 17 years. There is no reason to contact him. He was contacted on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello Bank of America keeps harassing me non stop with my checking and saving account. They took {$170.00} saying adjustments into my account. When I called them to ask more information they refused to provide me extra information expect adjustment to my account and refused fo refund {$170.00}. This bank is a highly unlawful tactics using against me as a consumer. What I am asking : the immediate refund of my balance of {$170.00}

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