vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding my auto loan account with Bridgecrest ( account number : XXXX ). The vehicle associated with this account developed serious mechanical issues and had multiple recalls, which ultimately made the vehicle undriveable. I attempted to communicate these issues and seek a resolution ; however, many calls went unanswered, and my concerns were not properly addressed. Despite the condition of the vehicle, the account proceeded to repossession. I was not provided with clear or adequate communication regarding the repossession process, including notice of sale or details about how the vehicle would be sold. Following the reposession, the account balance changed significantly from approximately {$28000.00} to {$10000.00}. I have not been provided with a detailed explanation or documentation showing how this remaining balance was calculated. I formally requested a full breakdown of the balance, including payment history, repossession documentation, notice of sale, and auction details. This request was sent via certified mail and delivered on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any response or documentation from the company despite confirmed delivery of my request. Additionally, under applicable state requirements, I should have been provided proper notice regarding the sale of the vehicle and an explanation of the remaining balance. I have not received sufficient documentation demonstrating that these requirements were met. Due to the lack of response, lack of transparency, and the condition of the vehicle, I believe the amount being collected may be inaccurate and not properly supported. I am requesting a full investigation into this matter, including complete validation of the debt, documentation of all actions taken, and correction or removal of any inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
This is myXX/XX/XXXX complaint regarding Portfolio Recovery Associates , LLC and its continued reporting of an account that remains inaccurate and unverifiable. Despite multiple disputes and prior complaints, Portfolio Recovery Associates has failed to provide competent, account-level documentation establishing ownership of this alleged debt. The materials provided consist of generic bills of sale, affidavits, and data summaries that do not demonstrate a complete and unbroken chain of title from the original creditor, XXXX XXXX Bank, XXXX, to Portfolio Recovery Associates. There is no documentation identifying my specific account within any valid assignment. Additionally, the balance being reported is inconsistent and has not been properly verified against original creditor records. I have never entered into any contract or agreement with Portfolio Recovery Associates , LLC for a credit card or any extension of credit. Therefore, I do not owe Portfolio Recovery Associates any debt. Their claim relies entirely on an alleged purchase of an account that has not been legally substantiated. The continued verification of this account constitutes a violation of the Fair Credit Reporting Act, including 15 U.S.C. XXXX ( b ) and XXXX ( b ). Repeatedly reporting unverifiable and inaccurate information after multiple disputes demonstrates a failure to comply with federal law. At this stage, further requests for validation are no longer appropriate. Portfolio Recovery Associates has been given multiple opportunities to substantiate this account and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I paid a deposit of {$260.00} ( XXXX ) to XXXX hospital XXXX XXXX for XXXX XXXXXXXX from my Bank of America account. Not once during the messaging was I told this was nonrefundable & the picture of the invoice they sent me is NOT the invoice they sent to Bank of America nor the messages regarding my questions. At this point XXXX surgeries were scheduled at the same time. I expressed my concerns & the representative informed me is was better for my health to have them all completed at the same time. I contacted other Dr 's who confirmed that not only was the time under XXXX dangerous but the particular XXXX I wanted should not be done together. I asked them to quote me for XXXX XXXX & never received that quote instead they stood by doing them all at the same time as if they were not understanding my messages & so I phoned them & e mailed them. Contacted them again on XXXX where they do not deny not informing me of the nonrefundable deposit. The false invoice alone is surely fraudulent, that is NOT what I received no matter what they claim.

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 monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing a complaint regarding PayPals refusal to assist in resolving unauthorized transactions that occurred due to a confirmed account takeover ( ATO ). The transactions were made through XXXX using my PayPal account, which was funded by Paypal debit card & XXXX XXXX Checking Account XXXX has confirmed that : My account was compromised due to account takeover The transactions were unauthorized No tickets were delivered Despite this, PayPal has refused to assist or reopen the case, citing a XXXX limitation. This leaves me financially responsible for transactions involving fraud and non-delivery of goods. I am requesting that PayPal review this case under fraud and unauthorized transaction policies and provide appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-24 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This complaint concerns an improperly reported collection account associated with XXXX XXXX ( XXXX ) and Sunrise Credit Services that appeared on my credit reports with XXXX XXXX and XXXX On or around XX/XX/year>, this collection account appeared on my credit report without any prior notice. I did not receive any phone call, letter, or written communication from either XXXX XXXX or Sunrise Credit Services before it was reported. This is especially concerning because I currently have an active account with XXXX that is on automatic payment, and they have my correct contact information. The alleged debt is not mine. It is related to a former tenant and not my personal responsibility. After discovering the collection, I contacted XXXX XXXX directly. Although I disputed the debt, I offered to pay the balance in full in exchange for immediate removal of the collection from my credit report, as I am in the process of purchasing a new vehicle. The customer service representative agreed and stated that the collection would be removed from my credit report. A few days later, the collection was not removed. Instead, it was updated to show a remaining balance of {$7.00}. I then contacted Sunrise Credit Services. During that call, I explained that I had already paid XXXX XXXX based on their agreement to remove the collection. The Sunrise representative confirmed the {$7.00} balance, agreed to forgive that amount, and stated that the collection would be removed from my credit report. However, a few days later, the account was only updated to show a {$0.00} balance as paid, but it was not removed as promised. At no point did I receive proper notice of this debt prior to it being placed into collections. Additionally, both XXXX XXXX and Sunrise Credit Services failed to honor their clear verbal agreements to remove this account after payment. This situation involves reporting of a debt that is not mine, failure to provide required notice, and failure to honor agreed-upon removal terms. The continued reporting of this account is inaccurate and is negatively impacting my credit, particularly as I am preparing to purchase a vehicle. I am requesting immediate deletion of this collection account from all three credit bureaus and a full investigation into the actions of both XXXX XXXX and Sunrise Credit Services.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: GA

Complaint narrative:
I am submitting this complaint because multiple debt collection agencies appear to be engaging in a pattern of unlawful debt collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, the companies failed to provide legally sufficient documentation proving I have any contractual or legal obligation, including a signed agreement, full chain of title, bill of sale or assignment, complete account balance, and proof of their authority to collect. Despite this, they continue collection efforts and/or report information to credit bureaus without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including violations of the FDCPA ( 15 U.S.C. 1692g, 1692e, 1692f, 1692c ) and the FCRA ( 15 U.S.C. 1681s-2, 1681e ( b ), 1681i ). Additionally, failure to follow XXXX XXXX reporting standards by reporting inaccurate or unverified information may result in further regulatory violations and civil liability. Overall, these actions suggest a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on my Discover credit card account. During the time the account became past due, I was not properly aware that payments were due and did not receive clear notification of the delinquency status. As a result, the account fell behind without my full awareness. Since then, I have taken full responsibility and resolved the account, which is now settled with a XXXX balance. I have also contacted Discover directly in an effort to address this issue, but was advised no adjustments could be made. I am currently working to improve my financial standing and maintain positive credit behavior. Given that the account has been resolved and my efforts to remain in good standing, I respectfully request a review of the accuracy and fairness of the reported late payments and consideration for their removal or adjustment. I would appreciate a thorough review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am a US citizen by birth. I was scammed online on XXXX for about $ XXXX USD, sent fake passport, fake cedula, fake visa, fake baggage invoice and fake phone invoice from non existant stores. The final insult was a fake medical emergency which had a completely unrelated drug prescribed and was told she would go to jail if I don't pay it. She claimed to have bruises and attacked which takes weeks to heal. She miraculously healed once the money was received. She threatened to attack me and my mother if I don't send her money. She also said that she would punish me by opening fraudulent loans in my name from my information via XXXX and XXXX. I have been in touch with the USA XXXX fraud team member XXXX XXXX. I have contacted USA FBI and lodged a complaint with the FBI IC3 and also contacted USA ICE immigration team. I contacted the USA embassy in XXXX, They instructed me to file " denuncias '' online regarding my unfortunate victimization of fake documents, scams and extortion. Please advise. Thanks. She claims to have family living in XXXX, XXXX. She may be travelling with a Venezuelan passport issued on XXXX, name of " XXXX XXXX XXXX XXXX XXXX with an expiry of XXXX, passport number XXXX with a birthday of XXXX. Please exercise caution with this individual. Date Bank to App Amount Sent to Email XXXX PayPal {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX PayPal {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX PayPal {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX PayPal {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX PayPal {$920.00} XXXX XXXX XXXX XXXX XXXX PayPalTotal = {$5600.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing these XXXX collections from Midland as inaccurate and unverified. I have requested the validation letter and purchase agreement from Midland Management and was denied this request multiple times. The information provided does not sufficiently confirm the accuracy of this account or the manner in which it is being reported. This account was previously reported under Midland Credit Management ( when I initially disputed it ) but has now switched back to XXXX XXXX, which raises serious concerns regarding the accuracy of the reporting and the true ownership of the debt. I requested a purchase agreement and a validation letter from Midland Credit Management, and these requests were denied multiple times. I was also informed by a representative at Midland Credit Management that a validation letter was sent in 2023 and could not be resent to me. I also requested debt validation, verification of the correct creditor name, documentation of current ownership or assignment of the debt, a complete account history, and an explanation for the change in reporting. This information has not been provided at all and I have the right to obtain this information from them. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. I ask that they please verify that the information reported is 100 % accurate. If they are unable to do so, this account should be removed from my credit report. Because this account remains unverified, has changed reporting entities without proper documentation, and is being reporting from different agencies and companies, I am requesting removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Failure to Validate Debt / FCRA & FDCPA Violations To Whom It May Concern, I am submitting this complaint regarding inaccurate and unverified information being reported on my credit file. I previously disputed an account reported by Portfolio Recovery Associates with the credit bureau and directly with the creditor. Following my dispute, the account was marked as verified on my credit report. However, I have not been provided with any proper validation of this debt. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ), I requested the method of verification used to investigate this account. Additionally, under the Fair Debt Collection Practices Act ( FDCPA 809 ), I requested full validation of the alleged debt from the collection agency. To date, neither the credit bureau nor the creditor has provided : A copy of any original signed agreement Complete payment history Documentation proving I am legally obligated for this debt The method of verification used to validate the account Despite this lack of evidence, the account continues to be reported as accurate. This raises serious concerns regarding the adequacy of the investigation conducted and compliance with federal law. I am requesting that the CFPB investigate this matter and require the following : 1. Immediate deletion of the account if proper validation can not be provided 2. Documentation showing the exact method of verification used 3. Proof that the debt has been properly validated in accordance with federal law The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile and financial standing. Thank you for your time and assistance in resolving this. The involved parties have not properly verified the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made multiple student loan payments to Aidvantage totaling over {$4000.00}. These included payments of {$2100.00}, {$1900.00}, and several monthly payments of {$310.00} and {$240.00}. Each of these payments was confirmed by Aidvantage through official payment confirmation emails with confirmation numbers. My bank records also show that these payments were successfully processed as ACH debits and the funds were withdrawn from my account. However, when reviewing my Aidvantage account history, I discovered that each of these payments was internally reversed after being posted. The transaction history shows both the payment and a corresponding negative reversal for the same amount. As a result, my account does not reflect these payments, and Aidvantage representatives have stated that no payments have been received since XXXX, which is incorrect and contradicted by both my bank records and their own transaction records. I contacted Aidvantage customer service and spent approximately XXXX hours attempting to resolve this issue. During these interactions, I requested an explanation for the reversed payments and a correction to my account. The representatives were unable to provide a clear explanation or resolve the issue. This situation indicates a failure by Aidvantage to properly process and apply valid payments, as well as a failure to maintain accurate account records. I am requesting that all valid payments be properly applied to my account, that my account balance be corrected, and that any negative credit reporting resulting from this issue be corrected. I also request a written explanation detailing why these payments were reversed.

Company response to consumer: Closed with explanation