vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
What happened : On XX/XX/2026, I contacted Barclays to cancel my JetBlue Plus World Elite Mastercard because I no longer wanted to pay the {$99.00} annual fee. The representative informed me that instead of canceling, the account could be downgraded to a no fee card and that the {$99.00} annual fee would be reversed. I agreed to the downgrade based on this information. On XX/XX/2026, I received a billing statement showing the {$99.00} annual fee as past due. I contacted Barclays again and spoke with a representative who confirmed that the downgrade was in process and that the system would be updated to reverse the fee. A few days later, I received an alert from XXXX that my credit score had dropped. When I checked my credit report, I saw that Barclays had reported the annual fee as a late payment, even though I had contacted them before the due date and had been told the fee would be reversed. On XX/XX/2026, I contacted Barclays a third time. After reviewing the account, a representative confirmed that Barclays records showed I had called on XX/XX/XXXX and should not have been charged the annual fee. He worked with a specialist to credit the account and stated that my credit report would be corrected within 30 days. Impact : Barclays inaccurate reporting caused my credit score to drop from XXXX to XXXX. Barclays also reduced my credit limit from {$15000.00} to {$250.00}, which significantly increased my credit utilization ratio and further harmed my credit profile. During this time, I was obtaining homeowners insurance, and the reduced credit score likely increased my premium. I also had to spend substantial time filing disputes with the credit bureaus and attempting to correct the issue.

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 2026-05-31 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: Chime Financial Inc
State: IN

Complaint narrative:
I am filing a complaint regarding Chimes handling of my dispute for charges totaling {$1000.00} ( {$540.00} and {$540.00} ) paid to a mechanic for vehicle repairs. I initially paid for a brake job, but the brake repair was never properly completed. The mechanic then advised me that my vehicle needed a timing chain replacement, which I also paid for. After the repairs, my vehicle had additional problems that were not present before the work was performed. I obtained a second opinion from another repair facility, which identified issues related to the work that had been performed. I submitted receipts, communications, and supporting documentation to Chime showing that I paid for services that were either not completed or not completed properly. Despite this evidence, Chime denied my dispute. I do not believe Chime conducted a reasonable investigation or adequately considered the documentation I provided. Chime has not provided a satisfactory explanation for why my evidence was rejected. As a result, I lost access to reliable transportation, missed work, incurred additional repair expenses, and suffered financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ExperianXXXX XXXX XXXX XXXX have all violated my rights as consumer under the FCRA 15 USC 605B. I need these items blocked and removed off my report as soon as possible. I'm personally submitting this compliant and documents on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I disputed this account because I believe inaccurate information is being reported. After my dispute, TD Bank/Target updated multiple fields, including the date of major delinquency, account history, and additional account information. The investigation results show information was modified, yet the account continues to be reported as a charge-off. I have requested documentation and evidence supporting the accuracy of the reporting and the changes made during the investigation. TD Bank has failed to provide sufficient evidence demonstrating that the information being reported is complete and accurate. I am requesting a proper investigation, copies of the records used to verify the account, and deletion of any information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: VA

Complaint narrative:
This is not the same as the previous complaint! After the previous complaint, PNC Changed the status of the account to an incorrect reporting. The account is closed and paid in full. It was reported as Paid/Closed, correctly. Then after the previous complaint, the status was changed to paid in settlement for less than amount due. This is incorrect. This account NEVER had a settlement. This account was paid in full on XX/XX/scrub> 2026. This error just cost me a housing opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: AK

Complaint narrative:
I have a mortgage with M & T Bank. My payments are due on the first of each month. After my XXXX in XX/XX/XXXX I became delinquent on my mortgage. In XX/XX/XXXX I became current on my mortgage. Starting XX/XX/XXXX XXXX at M & T Banks in the mortgage dept. called me to remind me of my payment. The next business day he also called me ( XXXX ). When I received a text from him on XX/XX/XXXX he ( XXXX ) told me I must make the cashier 's check to a specific person at M & T Bank XXXX XXXX XXXX XXXX at thXXXX XXXX XXXX XXXX. Since that raised all kinds of alarm bells, I made the cashier 's check to M & T Bank and sent to the letter with the payment to XXXX. The next text I received on XX/XX/XXXX XXXX texted again to " remind '' me that my payment was due on the first of XXXX. At that time I told XXXX that the frequency of his calls were making me feel harrassed and to not call or text me again unless my payment was late, and then only through email or snail mail. He texted me AGAIN XX/XX/XXXX and said that he had only called me twice and that he was sorry he made me feel harassded. He again reminded me of my payment again and that I needed to have the payment by the end of the month to M & T Bank, at which time I again texted me I was feeling harrassed and to not communicate through texting or calling me, and that since he was not honoring my request that I would be blocking him. Today I received a text from XXXX reminding me that my payment was due soon and to make sure I made the check out to XXXX XXXX. She also said M & T Bank had not received the tracking number for the check I sent ( at no time before was XXXX requested ), and that she was texting me in response to XXXX 's request she did so. I texted he XXXX and informed her that the too-frequent reminders of my payment due XXXX week before my payment was due was harrassment, and told her that future communication between M & T bank and myself was to be via email or snail mail ( XXXX ) XXXX I sent a picture of the cashier 's check along with the tracking number. I have blocked both the numbers now. I don't want M & T Bank to use another number to continue to harrass me. I know they HAVE to stop harrassing me when I requested it, yet they are continuing to do so anyway.

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 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Jefferson Capital Systems that allegedly originated with T-Mobile. I previously disputed this account and requested documentation supporting the validity, ownership, and reporting of the alleged debt. I requested documentation establishing my legal responsibility for the account, documentation showing Jefferson Capital 's authority to collect and report the account, the date of first delinquency, an itemized accounting of the balance, and a detailed explanation of the method used to verify the account after it was disputed. The information provided to me did not adequately address these requests and did not provide sufficient documentary evidence supporting the continued reporting of this account. Jefferson Capital continues to report this collection account to consumer reporting agencies while I dispute the accuracy, validity, ownership, and reporting of the alleged debt. I am requesting that Jefferson Capital provide : 1. Documentation establishing my legal responsibility for the alleged debt. 2. Documentation showing the transfer, assignment, or ownership of the account. 3. A complete itemized accounting supporting the balance being reported. 4. The date of first delinquency associated with the account. 5. A detailed description of the method of verification used following my dispute. If Jefferson Capital can not provide competent documentary evidence supporting the accuracy and completeness of this account, I request deletion of the account from all consumer reporting agencies. Requested Resolution : Delete the account from all consumer reporting agencies or provide complete documentary verification supporting the reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was contacted in XXXXXXXX XXXX XXXX regarding fraudulent transaction on a XXXX credit card which I never initiated. However, I did receive a XXXX credit card in early XXXX that I never activated and was confused why would they send me a credit card, I never applied for? A XXXX representative did contact me regarding fraudulent transactions, and I XXXX be a victim of identity theft from an unauthorized credit card I never applied for, with transactions being conducted in a region I was not or never in during this period. The representative said she would freeze the card, that I never asked for or initiated online in the first place. This debt is {$8700.00}, I'm filing a complaint against XXXX for allowing this fraudulent transaction to be placed on my personal credit. I have had XXXX for XXXX years and have only done XXXX to XXXX transactions, all through my personal checking accounts. Why call me to inform of fraudulent activity, then be negligent and assign this negative inquiry to my personal credit report. This is totally unfair, and corrupt. I will not tolerate XXXX to destroy my personal credit.

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 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported by Navy Federal Credit Union. The account is being reported as a charged-off account while also reporting a current balance and past-due balance. I requested documentation supporting the balance calculation, date of first delinquency, charge-off date, payment history, and the method used to verify the information being furnished to the consumer reporting agencies. I have not received sufficient documentation establishing the accuracy and completeness of the reporting. I am requesting a reasonable investigation and documentation supporting the amounts being reported, including the charged-off balance, current balance, and past-due amount. If Navy Federal can not verify the accuracy, completeness, and consistency of the information being reported, I request that the tradeline be corrected or removed from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I disputed this account because the information being reported is inconsistent and appears inaccurate. During the investigation, Comenity modified multiple fields, including account history, closed date, and delinquency information, confirming that the original reporting was not fully accurate. Despite these changes, Comenity continues reporting this account as a charge-off while providing conflicting information across reports. I requested the documents, records, and account-level data used to verify this account and the information furnished to the credit bureaus, but sufficient verification has not been provided. If Comenity can not fully verify the accuracy and completeness of this account, it should be corrected or deleted in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation