vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am submitting this formal complaint regarding my Capital One Venture account opened in late XX/XX/year>. 
At the time of opening this account, I had maintained a XXXX XXXX credit card for several years, which I closed after being approved for the Capital One card. Approximately six weeks after account opening, I believe the card was lost following a business trip to XXXX. I immediately reported the loss, and a replacement card was issued promptly. 
Upon receiving the replacement card, I was notified that the account had been restricted to payments only. I contacted your fraud department multiple times and was advised that identity verification was required. I promptly submitted all requested documentation. Despite complying fully and paying my balance in full ( as I do each month ), I was later informed that the account would not be reinstated. 
Given that the card was active for only a brief period approximately two months and was restricted shortly after replacement despite my cooperation and full payment history, it is unreasonable to retain the {$390.00} annual fee. I received little to no benefit from the account due to the restriction and subsequent closure. 
I am requesting an immediate refund of the {$390.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C Systems XXXX XXXX XXXX, XXXX XXXX MN XXXX Re : Account Number:XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am responding to your communication regarding the above-referenced account. This is not a refusal to pay, but a request for full validation pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : A copy of the original signed contract bearing my signature. 
A complete accounting of the alleged debt, including all fees, interest, and charges. 
The name and address of the original creditor. 
Proof of your authority to collect in my state. 
A copy of the assignment, transfer, or purchase agreement showing you have legal ownership and standing to collect this debt ( including the assigned contract ). 
Documentation showing you have a permissible purpose under 15 U.S.C. 1681b to report this account to any credit reporting agency.

If you can not provide the requested documentation, you must cease collection activity and remove any reporting to the credit bureaus immediately.

During this validation period, you are required to cease collection efforts. 



I request all future communication be in writing only.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I sent {$85.00} through Cash App after being misled by a scam. Once I realized it was fraudulent, I immediately reported the transaction and opened a dispute through Cash App. 

It has now been 17 days, and Cash App has failed to properly investigate or resolve the dispute. I have provided all requested documentation and have not received a satisfactory response. 

I am requesting a full refund of {$85.00} due to fraudulent activity and inadequate dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against NCB Management Services , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent NCB Management Services a written Notice of Dispute and Cease Communication regarding an alleged XXXX XXXX  account that is not mine. In that letter, I clearly stated that : The alleged debt is not mine and I dispute it in full They must cease telephone communication with me They may communicate only by mail and only for purposes of providing proper validation They must not continue collection activity without validating the debt They must mark any credit reporting as disputed This letter invoked my rights under federal law, including 15 U.S.C. 1692g ( b ), 1692c ( c ), and 1692e ( 8 ).

Despite receiving this written notice, NCB Management Services has continued to engage in unlawful collection activity. 

Specifically : They have continued calling my phone repeatedly after receiving my written cease-communication notice They have failed to provide proper validation of the alleged debt They have placed and/or continued reporting a collection account on XXXX XXXX XXXX XXXXXXXX They are attempting to collect on a debt that I have clearly stated is not mine These actions constitute clear violations of federal law.

Under 15 U.S.C. 1692c ( c ), once a consumer submits a written cease-communication request, a debt collector must stop contacting the consumer except under very limited circumstances. NCB Management Services has ignored this legal requirement.

Additionally, under 15 U.S.C. 1692g ( b ), collection activity must cease until proper validation is provided. They have continued collection efforts and credit reporting without providing such validation. 

Their continued reporting of this account to credit bureaus after receiving my dispute also violates 15 U.S

.C. 1692e ( 8 ) and the Fair Credit Reporting Act, which prohibit reporting inaccurate or disputed information without proper investigation and validation.

Importantly, I have maintained a complete call log documenting the continued calls from NCB Management Services after my written cease-communication notice. This log demonstrates a clear pattern of continued unlawful contact after they were formally instructed to stop. 

Their conduct shows a willful disregard for federal consumer protection laws. 

I am fully prepared to pursue all available remedies, including statutory penalties, actual damages, and any additional relief available under federal law, should this conduct continue or not be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: KS

Complaint narrative:
I made a {$1500.00} purchase with XXXX using my Skylight Netspend payroll prepaid card. I returned the merchandise, and tracking ( XXXX XXXX XXXX XXXX XXXX XXXX  ) confirms it was delivered to XXXX return center on XX/XX/year>. 

XXXX states they did not receive the return. I attempted to file a dispute with Netspend, but they refused to investigate because more than 60 days had passed from the transaction date. 

I did not discover there was a problem until after the XXXX window because I believed the return was properly processed. 

I am requesting that Netspend conduct a good-faith investigation into this transaction and allow me to submit documentation showing proof of delivery of the returned merchandise.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
QCS is engaging in deceptive practices and making false representations to the CFPB. In their response to my previous complaint XXXX, QCS claimed they 'sent proper notice as required by law. ' This is a verifiable falsehood, as QCS does not have my mailing address, nor have I ever provided XXXX and I have never received any written correspondence from them. 

Furthermore, the initial contact from QCS was a phone call on XX/XX/year> where the representative made threats to place the debt on my credit if I did not pay. No legal disclosures ( Validation Notice ) were provided during the call, and because they do not have my address, they could not have mailed the required written notice within 5 days, violating FDCPA 1692g. 

QCS 's statement to the Bureauclaiming they will 'mail verification'is a further deception given their lack of contact info. I am requesting that QCS be investigated for making false statements to a federal agency and for failing to provide required consumer disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint against PayPal , Inc. for gross negligence as the servicer for XXXX. PayPal failed to synchronize my fraud reports, leading to XXXX years of harassment by their debt collector, XXXX. 

Evidence of Negligence : Exhibit A-C ( XXXX ) : These documents show I resolved a separate PayPal XXXX XXXX XXXX XXXX fraud in XX/XX/XXXX. PayPal should have used this information to secure my entire profile. 

XX/XX/XXXX ( Exhibit D - XXXX ) : XXXX sent a notice for {$1400.00}. I called to dispute it ; they stated it was " cleared. '' XX/XX/XXXX ( Exhibit E - XXXX ) : Over a year later, XXXX sent a new notice for {$310.00}. I called a second time to dispute it. 

XX/XX/XXXX ( Exhibit F - XXXX ) : XXXX sent another notice for {$370.00}. I called a third time to dispute. 

XX/XX/XXXX ( Exhibit G - XXXX ) : Despite multiple disputes, XXXX mailed 12 separate collection letters on a single day. This " Damages Event '' is a clear violation of FDCPA 's prohibition on harassing frequency. ( I can provide all copies if needed ) PayPal finally admitted the fraud was valid on XX/XX/XXXX ( Exhibit J - CFPB - XXXX - XXXX ). This resolution came nearly 30 months too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX I was a victim of a documented, nationwide "Locksmith Scam" in XXXX XXXX. The merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, used a "Bait-and-Switch" tactic, advertising a $XXXX  XXXX fee on their website XXXX to induce the transaction, only to charge $XXXX XXXX XXXX XXXX) at the point of servicea 3,500% markup. I am requesting a full refund of $XXXX XXXX for the transaction as it was not a legitimate business agreement, but an act of extortion and fraudulent misrepresentation by an unlicensed operator during a life-safety emergency.\n\n1. Fraudulent Inducement (Bait-and-Switch):\nThe merchant advertised a service fee of $XXXX XXXX on their website. Upon arrival, they refused to perform the service unless I signed a blank document that was later filled in for $XXXX XXXX XXXX XXXXXXXXa 3,500% markup.\n\n2. Physical Duress & Unconscionable Conduct:\nAt the time of the transaction (XXXX), I was facing an active fire hazard (burning stove) inside my locked premises. The technician intentionally withheld emergency assistance to exploit my distress, forcing a signature while my home was in immediate danger. Under Section 21 of the XXXX Consumer Law, conduct that exploits a life-safety emergency is unconscionable and renders the contract void.\n\n3. Criminal Illegality:\nUnder the Private Security Act 2004 XXXX XXXX, it is a criminal offense to provide locksmith services without a Private Security Business License. Search results from the XXXX  Police Public Register confirm this merchant is unlicensed. Chase is currently facilitating the collection of funds for a criminal enterprise.\n\n4. Failure of Due Diligence by Chase:\nI have provided Chase with:\n\nProof of the fire emergency (Photo of burned cookware).\n\nProof of the merchant\'s unlicensed/illegal status (XXXX  Police Register).\n\nEvidence of the irregular, undated, and incomplete payment agreement and invoice.\n\nChase has ignored the illegality of the merchant and the duress of the situation, choosing to honor a "XXXX  invoice" produced by a scammer. I demand a full reversal of this fraudulent charge.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Someone opened up a PayPal credit card with Synchrony Bank without my authorization. New balance is {$800.00}. I never authorized the opening of this account. Ive spoken to XXXX  to open an investigation into this fraud.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I submitted a dispute on XX/XX/XXXX on a {$2100.00} payment I made to CashApp user tay MONEY for scamming me and selling me a stolen vehicle. The user posted a XXXX XXXX XXXX XXXX on XXXX XXXX for {$2500.00}. He told me the XXXX is in great condition, he said he has the title, and there are no issues with it. I took an XXXX to the man around noon on XX/XX/XXXX to test drive the XXXX, and when it came time for payment / title exchange I asked for the title and the man hands me an envelope with no title in it. I told him the title wasnt there and he pulls a XXXX out of his pocket and tells me to send him the {$2100.00} payment on CashApp- so in fear for my life I did just that. He never came back outside with the title, and I was left with a XXXX  that had a busted in sunroof - previously hidden by the cover, and the next day I found that the man who sold me the XXXX had actually STOLEN it from someone else then sold it to me. I had to report it to XXXX XXXX Police and XXXX PD, who came to my house and had the vehicle towed away. I gave the thief {$400.00} cash and {$2100.00} on cashapp and he gave me a stolen car that was taken from me the following day - and despite the police reports I furnished CashApp with on XX/XX/XXXX, they denied my dispute and request for refund on XX/XX/XXXX - only 6 days into their 15 day dispute process. I was able to submit a second dispute which is pending, but I dont see how they can justify denying my request for reimbursement when I was sold a stolen vehicle and didnt even get to keep it so Im out {$2500.00} total for a car I had less than 24 hours. Ive requested a refund from the seller as well but of course hes not sending it back. Hes a fraud and a thief and CashApp should do more to reprimand him by freezing his funds and returning them to the victim in this case which is me. I got Nothing for that {$2100.00} payment I sent him. Just a lot of pain, headache, grief and total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: NV

Complaint narrative:
Got a wage garnishment letter in the mail from my employeer but never been Served a Court order or recieved any notifcations about the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
I am filing this complaint against Spring Oaks Capital LLC regarding improper credit reporting and failure to comply with federal law after a dispute. 
Spring Oaks Capital is reporting a collection account in the amount of {$2700.00} on my credit report as open and placed for collection. 
I formally disputed this account. Instead of correcting or deleting inaccurate reporting, the company responded with the remark dispute resolved subscriber disagrees and continued reporting the account without making any meaningful changes or providing a proper explanation of their investigation. 
Under FCRA 1681s-2 ( b ), once a furnisher receives notice of a dispute, they are required to conduct a reasonable investigation and correct or delete inaccurate or incomplete information. Simply verifying the account without correcting reporting defects or addressing the issues raised does not satisfy the requirement of a reasonable investigation. 
Despite my dispute, the account continues to be reported as open and in collection status, which is damaging to my credit profile. The continued reporting after notice reflects a failure to ensure maximum possible accuracy under FCRA 1681e ( b ).

If the account is being reported without properly reflecting that it is disputed, that also violates FDCPA 1692e ( 8 ), which prohibits reporting credit information known to be disputed without indicating the dispute.

At this point, Spring Oaks Capital has been given notice and opportunity to correct the reporting and has failed to do so.

I am requesting immediate deletion of this tradeline from all credit reporting agencies and confirmation that reporting has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
My card was charged in 2 places in the country of XXXX so i reported the 2 fraudulent charges but the bank came back at me saying it was done with my card and they asked for a proof indicating that i was not in that area

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have tried to contact them but no luck vs phone. Navient sold my loans to both XXXX  and XXXX. Interest increases are too high, and when I call, there was no luck over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: TX

Complaint narrative:
Klarna failed to process my XXXX installment payment for XXXX XXXX due to a backend system error. Because Klarna did not charge the scheduled payment, my account was incorrectly marked past due and my Klarna card was disabled. 

I contacted Klarna and made the payment once I was notified, even though the missed payment was caused by Klarnas billing failure. After payment, Klarna partially restored my account but significantly reduced my purchase power from approximately {$1100.00} to {$290.00}. 

This delinquency flag and credit restriction are the result of Klarnas internal error, not customer nonpayment. 

Order Reference : XXXX Payment Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CO

Complaint narrative:
This complaint is related to existing CFPB Complaint XXXX filed against XXXX XXXX XXXX and XXXX XXXX  on XX/XX/2026. 

BACKGROUND : On XX/XX/2026, I sent a debt validation request to XXXX XXXX  and XXXX XXXX XXXX via certified mail under FDCPA 15 USC 1692g. XXXX refused to validate, sending XXXX contradictory letters on XX/XX/2026. XXXX letter falsely claimed my dispute was frivolous. The other said they were reviewing it. 

NEW VIOLATION : On XX/XX/2026, I received a collection letter from Credit Control LLC dated XX/XX/2026, stating they are now collecting this same debt for XXXX XXXX. 

This transfer occurred : - 10 days after my validation request - Before XXXX provided any validation - During my active dispute Credit Control LLC is attempting to collect an unvalidated disputed debt that was never validated by the prior collector. 

DEBT TRANSFER CHAIN : XXXX XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, Credit Control LLC. 

This debt has been transferred XXXX times without ever being validated. This appears to be a deliberate pattern to evade my validation request by passing the debt to new collectors hoping I will not pursue my rights. 

I sent a debt validation request to Credit Control LLC via certified mail on XX/XX/2026. They have not responded. 

ORIGINAL DEBT BACKGROUND : This debt allegedly stems from XXXX XXXX Bank. I made multiple good faith attempts to pay XXXX XXXX but encountered severe language barriers with customer service and inability to set up online bill pay despite repeated requests. I explicitly requested to pay off and close the account. The representative confirmed this was done. I cut up my card and believed the account was closed. XXXX months later I received collection calls. XXXX XXXX failed to process my payment and closure request. This debt exists because of XXXX XXXX 's failure, not my refusal to pay.

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 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc.
State: GA

Complaint narrative:
I disputed this Sezzle account with the collection agency XXXX on XX/XX/year>. XXXX acknowledged my dispute and stated collection activity would be paused while validation was obtained. More than two months have passed with no validation provided. 

During this time, the original creditor Sezzle continues to report this account on my credit report, despite the debt remaining unverified. 

I am requesting deletion of the Sezzle tradeline and any associated negative credit reporting related to this account, as it can not be substantiated and has not been timely validated.

Company response to consumer: Closed with explanation