vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC

Complaint narrative:
ConServe XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Formal Debt Validation Dispute Account or Reference Number : XXXX Date : XXXX I am formally disputing the validity of the above-referenced alleged debt and submitting this complaint pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. You are required to provide complete and competent validation of this alleged debt. Specifically, provide the following official documentation : 1. Complete itemized transactions allegedly made by me Provide a full and detailed accounting of all transactions you claim were made by me on this account, including dates, amounts, and how each transaction was applied. 2. Original signed contract or agreement Provide a copy of the original contract, agreement, or instrument bearing my signature that establishes I agreed to pay ConServe, Continental Service Group LLC, or any predecessor, affiliate, parent company, subsidiary, assignee, successor in interest, or any other related or similarly named entity claiming rights to this alleged debt. 3. Insurance claim disclosure State whether any insurance claim, credit default insurance claim, or similar reimbursement has been filed in relation to this alleged debt. If so, provide full documentation of the claim, including the insurer, claim number, filing date, and payout information. 4. Proof of ownership and chain of title Provide complete documentation establishing your legal standing to collect on this alleged debt, including the full chain of title from the original creditor to your company, and you license to collect in my state. This must include all assignments, bills of sale, transfer agreements, dates of transfer, and identifying information tying this specific account to each transfer. Provide copies of all requested documentation in your response to this CFPB formal complaint, and cease all collection activities and direct communication with me until such documentation is provided. No summaries, affidavits, or partial responses will be accepted ; only actual documentary evidence will satisfy this request. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Contacted my wife, and my daughter by phone. I am fine with them contacting my wife, but my daughter is highly unethical and not even legal. The company handling this is XXXX XXXX XXXX ( XXXX ) and the contact was XXXX at extension XXXX. The website is : https : //www.recoverymanagementsolutionsllc.com/

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 — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
It appears that an online scam was charging our debit card for a recurring fee of XXXX around the XXXX of each month beginning XX/XX/XXXX. Upon calling our bank to dispute the charges on XX/XX/XXXX, we cancelled that debit card that was used. Prosperity Bank issued us refund for XXXX of the XXXX recurring charges. The bank said they were unable to investigate where charges were stemming from so I did some digging and found a phone number associated with charges but the line appears to be fake. I also have a company address which appears to be a house in New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received a notice to make a payment for the amount of {$150.00} which was my total balance on my PAYPAL Credit card account to which i went to the online PayPal account on the XXXX of XX/XX/year> and made a payment but it seemed as though i hadn't made a payment because the system did not inform me that a payment was made so i hit the button to make a payment and again nothing happened i believe something was wrong with their system. after an hour or so i realized that i had made XXXX payments instead of XXXX so i decided to call PayPal credit and speak to someone about this and after a very difficult time i finally got to speak to a live agent who said that she did not see The payment in their system yet and to wait XXXX to XXXX hours till it showed up so after XXXX hours i called again and was told the same thing so i asked The rep what i should do and she informed me that i could either wait another XXXX hours and call back and see if the double payment showed up or i could just call my bank and stop XXXX of the payments so i took her advice and called my bank and a very nice lady said that she could already see The double payment in their system and that she would take care of it and reversed the XXXX charge so I assumed that was the end of it until i saw a {$30.00} charge from PAYPAL credit card I was shocked! So i called PAYPAL again and after an hour of speaking to different representatives i spoke to a XXXX that said that there was nothing that she could because it was a charge for stopping a payment! so they charged me for making a double payment and retracting a payment! I was extremely annoyed I told her to cancel my PayPal credit card and even though i had told her that it was on the advice of their own representative that i call my bank she was adamant that i would have to pay the {$30.00} and i had no choice but to pay even though i believe it was extorted from me. It's absolutely appalling for a company to conduct business this way because their system does not work properly.

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 2026-03-06 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of XXXX I entered a credit consolidation program t r u i s t credit card company agreed with the terms. I have XXXX cards with them one that ends in digits XXXX another card that ends with digits XXXX. They would not let me change my address. The address that they have on file is XXXX XXXX XXXX XXXX North Carolina XXXX. Current address is ; XXXX XXXX XXXX unit XXXX XXXX North Carolina XXXX. As they did accept the terms of the consolidation agreement I went ahead and canceled my auto pay for both cards in XXXX of XXXX. So there was no auto pay deducted for XXXX. See attached documents. Truist without my consent reinstated my auto pay for XXXX and charged me XXXX. For the card ending in XXXX and XXXX. For the card ending in XXXX instead of the typical XXXX for card XXXX and XXXX for the second card for the minimum payment. They illegally without my consent took out {$400.00}. For the card ending in XXXX and {$380.00} for the card ending in XXXX. They also took the consolidation payments for both cards. I can prove that I did not make the auto pay in XXXX I have documentation of this see documents attached and they went ahead and reinstated it and also took the payment from my credit consolidation company as well. So they took double payments. I'm trying to get on solid footing financially and do the right thing and I feel like I should be reinstated the {$780.00} that they illegally took from my account without my authorization.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the origin al creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Evergreen Moneysource Mortgage Company
State: NV

Complaint narrative:
On XX/XX/XXXX of XXXX I sold my home in XXXX XXXX XXXX, NV XXXX. Evergreen Home XXXX was both the lender and loan servicer. When they closed the loan, they failed to provide the VA with the " Substitution of Entitlement Packet '' preventing me from having my VA entitlement reinstated and preventing me from purchasing a home with a VA loan. I contacted Evergreen Home XXXX multiple times over the phone and was dismissed and told that the paperwork was my responsibility and they could not help me. I contacted the VA who assured me that it was 100 % the responsibility of Evergreen Home XXXX to provide the information, and the VA provided me with the detailed information that Evergreen Home XXXX was required to provide the VA. I provided this information to Evergreen Home XXXX, and they replied that they could not help me and, again, this was my responsibility. This was an excruciatingly difficult process as none of the Special Loans Assumptions representatives or managers accept phone calls, only via email. This is the reply I received from the Evergreen Home XXXX Special Loans Assumption : " After reviewing the matter to determine whether XXXX can assist, we confirmed that this is not a service XXXX is able to provide. I am not sure who informed the former borrower otherwise, and I apologize on their behalf for any confusion. '' I started contacting Evergreen Home XXXX on XX/XX/XXXX. After multiple communication attempts, the Special Loans Manager reached out to me on XX/XX/XXXX and confirmed, verbally not in writing, that they had failed to submit the required forms to the VA and they would promptly submit the paperwork and they would inform me of every step in the resolution of this issue, they failed to contact me with any of this information. On XX/XX/XXXX I was contacted by the individual who originally failed to complete the closing paperwork with an almost verbatim conversation I received from the Special Loans Manager. I did not hear from him until late XXXX of XXXX that he had the paperwork ready, was going to submit it and would keep me inform of every step of the process. He did not. I contacted him today, XX/XX/XXXX and he told me he did not have any updates, but that I could contact the VA and find out for myself. I contacted the VA who told me they received the paperwork today, but they can not process it as it is incomplete. This has impacted me greatly emotionally and financially as I had to buy a home with a conventional loan due to the fact that I was not able to secure a VA loan due to the failure of Evergreen Home XXXX properly closing my loan in XXXX of XXXX and reinstating my VA entitlement

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: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX INT 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am filing this complaint because Jefferson Capital is reporting a fraudulent debt on my credit report and has repeatedly failed to investigate my disputes. Furthermore, the company is illegally re-aging the debt to keep it on my credit report longer than allowed by the Fair Credit Reporting Act ( FCRA ). 1. Unauthorized Use & Fraud : While I originally opened this account, an individual known to me accessed the account information without my permission and made several high-dollar online purchases. These charges were unauthorized, and I did not receive any benefit from these goods or services. I have informed the collector that these charges were made without my consent and exceeded any authority I ever granted. 2. Retaliation & Lack of Documentation : When I demanded that the individual pay for the unauthorized charges, they filed a no-contact order against me as a tactical maneuver to avoid financial responsibility. The debt collector has been informed of this situation but refuses to provide the original contract, IP addresses, or shipping information for the disputed online transactions. 3. Illegal Re-aging : The original date of delinquency for this account has passed, yet the collector is " re-aging '' the account in their reports to the bureaus to make it appear as a recent debt. This is a direct violation of the FCRA. Desired Resolution : I am requesting that the CFPB compel Jefferson Capital to : Immediately delete this fraudulent account from all three credit bureaus. Provide a full validation of the debt, including the shipping addresses and digital signatures for the unauthorized online purchases. Cease all collection efforts and communications regarding this unauthorized debt. The individual involved accessed my online account without my knowledge or consent and fraudulently added himself as an authorized user. I did not sign any documents or authorize the bank to grant him access. He then proceeded to max out the card for his own benefit. This is a clear case of identity theft and unauthorized account access.

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 is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
XXXX XXXX shows taxes have been paid, and my closing document reflects taxes paid ; however, due to Rocket not paying Taxes : I now show an escrow shortage of approximately {$8000.00} My principal balance has increased My monthly mortgage payment has increased My credit score has declined due to balance reporting changes I have suffered financial hardship and stress

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 is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I received a notice in XXXX about a {$10000.00} debt. I never agreed to this charge, and I provided my property management team with proper notice before moving out. I also requested verification of the debt but never received any documentation. Despite that, they are still attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: AL

Complaint narrative:
Complaint Against : New American Funding Product : Mortgage Issue : Loan modification / foreclosure I am filing this complaint regarding the servicing of my mortgage by New American Funding for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Alabama. I previously applied for mortgage assistance and was informed by a representative that my application had been approved for a repayment plan. At the time of that approval, I was specifically told that no additional forms or documents were required and that I only needed to begin making the required payment in XXXX. When I later contacted the company to proceed with the plan, I was informed that my assistance had been cancelled because a form had not been submitted. This was the first time I was told that such a form was required. During that conversation, the representative acknowledged that this documentation requirement was a new policy and that many borrowers had not been informed about the form requirement. I was also told that representatives themselves had only recently learned about this change and that other customers had lost their repayment plans due to the same issue. Because I was never informed that this form was required, I was not given a fair opportunity to comply with the terms of the assistance plan that had been approved. As a result, my mortgage assistance was cancelled and my loan was placed back into foreclosure. This property is owner occupied by my family. My father, who is over the age of XXXX, resides in the home along with my mother and myself. Foreclosure would displace our entire household and create severe hardship. I am requesting that New American Funding review this situation as a servicing error and reopen my loss mitigation application so that my eligibility for mortgage assistance can be fairly evaluated. I am also requesting that foreclosure activity be paused while this review is conducted. My family is acting in good faith and we are willing to provide any documentation necessary to complete the review process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account for {$720.00} on my credit report. I disputed the account and requested verification of the debt. I have not received documentation proving the debt belongs to me or that Portfolio Recovery has legal authority to collect it. Despite this, the account continues to be reported.

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 is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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: Aldous & Associates, PLLC
State: NC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX 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 2026-03-06 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
b'IN RE: XXXX XXXX XXXX\nYou reported this is a duplicate complaint.\n\nThis is NOT a duplicate complaint. You stated you purchased the debt I had with the original creditor. I stated I need to see the purchase agreement of the debt. Bill of sale of the original debt. I have a right to see that and confirm you own the debt. You can say any, I dont believe you, bring your evidence.You can not refuse to provide that . If need be, a court if law can if determine if my consumer rights are being violated, and if entitled to compensation for the FDCRA and FCRA violations. This is NOT a duplicate complaint. Provide evidence or remove from the credit bureaus or lets go to court. You have caused me harm by not being able to get credit, and I will seek compensation for my injury. Solve this problem immediately.'

Company response to consumer: Closed with explanation