vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer, Financial Protection Bureau, I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : I C SYSTEM Account Number : unknown Error Description : fraudulent account Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

Furthermore, under 15 U.S.C. 6802, financial institutions have a duty to protect consumer privacy, ensuring that personal information is not disclosed without proper authorization. Under 15 U.S.C. 1681s-2, furnishers of credit information are responsible for reporting accurate data and correcting errors upon notification. Lastly, under 18 U.S.C. 1028A, any willful misrepresentation or identity theft in connection with these inaccuracies may be subject to severe legal consequences. 

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim. 

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law. 

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

Sincerely, XXXX XXXX [ Attachments : Copies of supporting documents ] This account was not used by me

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 2026-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
My loan was purchased by planet home lending soon after purchasing my home, I struggled to have them stop charging me for lender proved flood insurance for weeks because the keep not updating my account for the flood insurance I have had since owning my home. Once they finally accepted my documents I was not informed that I was XXXX below their threshold for the coverage they required ( XXXX ) and they continued to charge me for XXXX in lender proved coverage totaling over XXXX XXXX  since 2023 from the little information I could source over the phone with them. They let me know it was my fault for not calling in and asking for a break down on my escrow payments and that they would not refund a thing, I found this out after my payment going from XXXX a month to almost XXXX a month due to them saying that I was assessed to have a XXXX XXXX  negative escrow assessment and have since fixed the issue with my broker. I continue to be given the run around by this company and still have only been able to figure out what XXXX in the negative escrow is ( double paid home owners insurance that I am handling on my end ) working with planet home lending has been nothing but unexplained charges and customer service blaming the mortgagees for not predicting their shady practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXXI am getting repeated phone calls nonstop every single day'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Aldridge PIte Haan, LLP
State: FL

Complaint narrative:
XX/XX/XXXX, a XXXX hardware store card was fraudulently opened under my name ( Account XXXX ). 


I never received any statements, as they were evidently being sent to XXXX. I have only ever resided at XXXX and XXXX. I can provide tax returns evidencing same. 

In XXXX of XXXX, I discovered the existence of the account through the XXXX XXXX website. I disputed the aforementioned account with XXXX XXXX XXXX XXXX All three bureaus deleted the account from my credit file. 

I subsequently contacted XXXX telephonically and returned a written dispute. the account was closed. 

I was contacted by Aldrige Pite Haan, LLP in an attempt to collect the debt. I disputed its legitimacy and requested debt verification. Aldrige Pite Haan only provided statements and a template of the credit card contract. I did not receive evidence of the initial application and/or any documentation bearing my signature ( actual or electronic ). 

On XX/XX/XXXX, I received a collection attempt from Aldrige Pite Haan, LLP. The collection letter states the account was " charged off on XX/XX/XXXX because of non-payment or other events of default ''. 


On XX/XX/XXXX, I filed an identity theft report with the Federal Trade Commission ( FTC Report Number xxxxx ), which was sent to Aldrige Pite Haan, LLP the same day via certified mail. I also requested the issuance of a formal letter of clearance at that time. 

On XX/XX/XXXX, I filed a grievance with the Internet Crime Complaint Center and once again requested a formal letter of clearance from Aldrige Pite Haan, LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am filing this complaint against SELF FINANCIAL , INC., N.A. for reporting an alleged late payment for XX/XX/2019 on account number XXXX that has not been properly verified or substantiated. I formally requested confirmation of how this delinquency was calculated and whether it accurately reflects SELF FINANCIAL, INC.s own internal payment records, yet no competent evidence has been provided to support the reported late status. Under the Fair Credit Reporting Act, furnishers are required to ensure that all reported information is complete, accurate, and verifiable. Reporting a late payment without documented proof of delinquency, including payment application timing, balance status, and contractual due dates, constitutes inaccurate reporting and a failure to conduct a reasonable investigation. SELF FINANCIAL , INC.s continued reporting of this unverified late payment is misleading, harmful, and noncompliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a fraud alert with my account specialist for account activity unusual sign in from a spoofed email account. I have a insurance policy was compromised with insurance fraud with XXXX XXXX identity theft policy. I have a breach of contract XXXX affidavit bankruptcy ID restoration with my account specialist. I sent a report for account takeover fraud my account specialist. I sent a review for account theft with my data breach report with my sign in having a identity theft report with the data breach insurance policy scam. My account was inaccessble with log in recovery email from a XXXX data breach. I have a XXXX data breach with my account verification liability claim. I want to file a breach of contract XXXX affidavit with consumer fraud of my account. My policy was cancelled without authority. I have a limited liability claim insurance fraud account takeover. I want to update my breach report with my account specialist.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
At the start of XX/XX/XXXX, I asked CrossCountry Mortgage ( via chat, via in-portal mail, via calls ) to confirm they would pay my property taxes directly to XXXX XXXX by the due date in keeping with our mortgage agreement. This was necessary as, in XXXX, they had sent a check to me to pay my taxes. 

By XX/XX/XXXX, the due date, I had received no reply and no check. I paid the taxes due directly and confirmed payment and provided receipts via their in-portal mail. 

In early XXXX, I received escrow analysis that failed to recognize my payment of {$3300.00} of the {$6600.00} in annual taxes. It included a request for updated insurance information. The insurance information was provided via email as requested, as was the confirmation, once agin, that taxes had been paid. 

On XX/XX/XXXX, they acknowledged that they had confirmed my payment of taxes. They confirmed they would pay the next installment on time but did not address the outsized monthly payment now required. As a result of a subsequent call with customer service, I sent the same confirmation of tax payment and request to recalculate my monthly payment to XXXX XXXX. 

On XX/XX/XXXX, my XX/XX/XXXX request for an escrow analysis with accurate math was acknowledged via portal email. The response noted an escrow analysis would be conducted once the tax team updated my information. 

On XX/XX/XXXX, the portal reflected updated tax data. The escrow payment is still inaccurate. I emailed their research team once more with the following data and again requested an update to my escrow payment : Total annual escrow, had I not paid taxes directly, would be {$9700.00}. 
On XX/XX/XXXX, my escrow account had a balance of {$4100.00}. 
The current monthly escrow should be $ XXXX/month, not {$1200.00}. 
The $ XXXX/m

onth overcharge, if consistently applied to principal, would have a value of {$270000.00} in lost interest to CrossCounty- or savings to me. The result was another notice to wait another 7 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This complaint is directly linked to a concurrent complaint against XXXX XXXX XXXX XXXX. AmeriHome is currently servicing a loan that was originated through first-degree felony mortgage fraud ( income falsification and tax concealment ), and they are using a 'Cease and Desist ' to obstruct my legal Notice of Error regarding that fraud. '' CFPB Box 1 : What Happened " I am a XXXX senior reporting a predatory 'Equity Stripping " scheme that mirrors the illegal tactics of the XXXX Housing Crisis. This case involves 'Two Sets of Books ' and 'Income Padding'premeditated fraud designed to induce me into a loan that is mathematically certain to fail. 
I. Violation of 12 C.F.R. 1024.35 ( Notice of Error ) On XX/XX/XXXX, I served AmeriHome with a formal Notice of Error ( NOE ). AmeriHome violated Regulation X by failing to acknowledge or resolve this notice within federal deadlines. Instead, they issued a retaliatory Cease and Desist letter to silence me and block the investigation into this felony fraud. 
XXXX. XXXX Origination Fraud ( ATR Violation ) The lender manufactured a loan approval by intentionally falsifying my income as {$4300.00} ( Actual : {$3400.00} ). The lender had direct digital access to my real-time bank statements ; they had actual knowledge of my real income while they recorded a fabricated figure to bypass Dodd-Frank Ability-to-Repay ( ATR ) rules. This is the exact 'Income Padding ' tactic that fueled the XXXX subprime meltdown. 
III. The 'Two Sets of Books ' Tax Trap Just as in XXXX, the lender used 'Two Sets of Books ' to hide the true cost of the loan. The official Closing Disclosure quoted a fake tax of {$310.00}, while a 'side " Property Tax Affidavit I was forced to sign admitted the payment would increase by {$480.00}. The true payment of ~ {$2500.00} creates a 64 % housing-to-income ratio, which is impossible to sustain on a fixed income. 
IV. Forced Senior Exploitation ( Texas XXXXal Code 32.55 ) This fraud forced an {$8000.00} escrow shortage and a subsequent Senior Tax Deferral. This deferral causes 5 % interest to accrue against my home equity annually. Forcing a senior to use state benefits to 'subsidize ' a lender 's fraud is criminal exploitation. AmeriHome is now waiting for the tax deadline to pass so they can 'force-pay ' my taxes, override my deferral, and seize my {$140000.00} in cash

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/year>, at XXXX p.m. I digitally sent XXXX XXXX {$300.00} for services rendered for putting in a water heater. XXXX XXXX XXXX no longer carries a CASH APP account. We worked together before, and that's how I sent money. Upon finding out, I immediately notified the company at XXXXXXXX XXXX XXXX XXXX., and XXXX XXXX  Each person said that I could not talk to a supervisor, and they see the money is still there, and they could not return it to me. They even talked to XXXX XXXX XXXX. He informed them that he no longer worked with CASH APP and went to XXXX. The representative kept trying to get him to restore his account in order to send it back to me. He kept telling them he didn't want a CASH APP account, plus he was on the work site. The money is still sitting with the CASH APP company and has not been retrieved by anyone. I received an email from the customer service representative XXXX XXXX to ensure that the email address is correct but no one have reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I purchased an item through XXXX using PayPal. The seller first provided XXXX tracking number, which showed no movement for over a week. After I opened a dispute, the seller replaced it with XXXX tracking numberwith no explanation. 

The XXXX tracking shows delivered, but the delivery photo is not my residence and XXXX  verification attempted to send a code to a phone number not associated with my account, confirming the shipment was not tied to me. XXXX has removed the listing for a policy violation. 

I appealed the PayPal decision and requested address-level carrier validation with XXXX. The case currently remains in an appealable state with a provisional credit at risk of reversal despite strong evidence of tracking-number fraud. 

I am requesting that PayPal finalize this appeal in my favor and make the refund permanent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am filing this complaint because Robinhood Financial has restricted my access to my funds for 4 days without a valid explanation. I have attempted to resolve this through multiple emails, texts, and phone calls, but I am only receiving automated responses. This lack of access is causing me financial hardship and preventing me from managing my assets. I demand immediate reinstatement of my account access or a manual review by a human representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a home loan with JPMorgan Chase on XX/XX/year>. After a lengthy underwriting process and overall mismanagement by Chase, the initial loan application was withdrawn on XX/XX/XXXX. I submitted a new application on XX/XX/XXXX with a co-signer and easily qualified for the loan. The loan officer lured me into using Chase by promising to match any competitive offer, but this was not honored. He repeatedly assured me that the {$6600.00} lender credit would be transferred to my new application, but refused to issue a Loan Estimate, claiming he couldnt access one during underwriting. I only discovered the lender credit had been arbitrarily removed when I received the Closing Disclosure on XX/XX/XXXX, by which time it was too late to switch back to the lender offering favorable rates. It is always advisable to compare the disclosures to the loan estimate, which I could not do because one was never issued for the XX/XX/XXXX application. 

The XX/XX/XXXX disclosure shows the lender credit at {$1000.00} and the administrative fees at {$660.00}. The final XX/XX/XXXX disclosure has the lender credit further evaporated to {$350.00}, and the processing fee increased to {$1300.00} The loan finally closed on XX/XX/XXXX ( well over their XXXX guaranteed closing timeframe ) with the lender credit reduced from {$6600.00} to {$350.00}. That is not a minor difference, even if Chase considers it one. 

Chase later denied my {$5000.00} Purchase Closing Guarantee ( PCG ), claiming the XX/XX/XXXX application was the same as the XX/XX/XXXX application and that the original closing date of XX/XX/XXXX was retained. Both statements are false. 1. This was clearly a new application. 2. The parties agreed to close the week of XX/XX/XXXX, and Chases own Closing Disclosure dated XX/XX/XXXX reflected a new closing date of XX/XX/XXXX ( which they now deny ). Additionally, the delays were entirely due to Chase staff, not me. 

Chases withdrawal of the lender credit caused financial harm to my family, and their subsequent PCG denial relied on inaccurate and contradictory information and violated the intent of their advertised guarantee program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I used my Synchrony Home account to purchase a mattress for {$2700.00} from a local mattress retailer. At the time of sale, the merchant represented the mattress as a new, never used, current model XXXX XXXXXXXX XXXX mattress. 

After delivery, I discovered that the mattress received did not match what was represented. The manufacturer tag on the mattress confirms it is a XXXX XXXX XXXXXXXX  mattress manufactured in XXXX, which is a different model, class, and year than what was described and agreed to at purchase. The mattress delivered is materially different in construction, feel, and appearance from the product represented at sale. In addition, the mattress was not delivered in a factory sealed protective wrap, further indicating it was not new as represented. 

I contacted the merchant immediately upon delivery to report the discrepancy and request resolution. I consistently communicated with the merchant and requested either delivery of the represented product or a refund. The merchant asserted that my husband and I had confused the mattress with another model. When I requested the model the merchant claimed we purchased, he stated that he did not have it available. The merchant then refused a refund and stated that all sales were final. 

The merchant did not document the mattress model, class, year, or condition on the receipt or in writing. This omission was entirely within the merchants control and should not be used to validate delivery of materially different goods. The only objective documentation of the product delivered is the manufacturer tag, which confirms the mattress does not match what was represented as new and current model at the time of sale. As delivered, the goods were materially nonconforming and not equivalent to the product represented at purchase. 

I then filed a dispute with Synchrony for goods not as described. During the dispute process, I requested the merchants dispute documentation and all evidence Synchrony relied upon, as well as an opportunity to review and respond before any final decision was made. Synchrony denied and closed the dispute without providing access to the merchants documentation or allowing me an opportunity to respond. I was informed of the decision only after the dispute was closed.

I dispute Synchronys handling of this matter because the goods delivered were not as represented and because the dispute was denied without transparency or a meaningful opportunity for rebuttal.

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 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Payday Motors, Inc.
State: KS

Complaint narrative:
On XXXX I went to drive now ink and XXXX Kansas to purchase a vehicle. It was a XXXX XXXX truck. I made five payments of {$700.00} a month plus a {$3000.00} down payment. I then lost my job at no fault of my own. So I had to do a voluntary repossession on the vehicle. On XXXX I signed a notice of right to redeem and a notice of intent to dispose of my vehicle. They were to hold it for 10 days at a disposal date of XXXX XXXX. They had the vehicle for only 5 days and it disappeared off the lot. I didn't hear anything ever from the company after the voluntary repossession. Then I checked my credit on or around XX/XX/XXXX and seen a closed account from XXXX XXXX drive now Inc for {$12000.00}. It was a surprise to me I thought we were done and over with. But they disposed of the vehicle and never informed me of anything or any sale of any type. So I feel like I got scammed in some way or another because I have no proof of how much the vehicle sold for or where at or whether it was sold at auction or private or anything. I'm a little concerned because now it's reported on my credit.

Company response to consumer: Untimely response