vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT AS A DUPLICATE. 
Attached to this complaint are copies of my FTC complaint and my Attorney General complaint filed against Aldous & Associates , PLLC regarding the same unlawful conduct described below.

I am filing this complaint because Aldous & Associates failed to comply with federal law after I disputed an alleged collection account they are reporting. Most importantly, I never received the required written notice of debt within five ( 5 ) days of initial communication, as required by FDCPA 809 ( a ). This violation alone carries statutory liability of up to {$1000.00}, and Aldous & Associates did not address this issue at all in their CFPB response.

Second, Aldous & Associates has never validated this debt. It has now been well over 30 days since I submitted a written dispute and request for validation. Their CFPB response merely states that they will reach out to the original creditor. That is not validation, and it does not satisfy FDCPA 809 ( b ). Once a consumer disputes a debt, the debt collector must cease all collection activity, including credit reporting, until proper validation is provided. Aldous & Associates did not state that collection has ceased, did not provide any documentation, and did not indicate that the tradeline has been removed.

To date, Aldous & Associates has failed to provide : A copy of any original contract or signed agreement Proof of assignment or chain of title from the original creditor A complete accounting or itemization of the alleged balance Any XXXX XXXXcompliant documentation supporting the reporting Proof that required notices were ever sent Despite this, they continue to furnish derogatory information to the credit bureaus. Reporting an unvalidated debt after notice of dispute violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is not accurate or can not be substantiated. Under FCRA 611, disputed information that can not be verified with competent evidence must be deleted, not left pending while a collector looks into it.

Their response confirms my complaint rather than resolves it. Saying they are reaching out does not cure prior violations, does not toll statutory deadlines, and does not authorize continued reporting. This is not a good-faith investigationit is a stall.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: UPGRADE, INC.
State: MN

Complaint narrative:
I was supposed to take a trip last yr thru XXXX XXXX and didn't have enough funds to pay for it and they had a program that u would be able to make payments for 6 months and pay a monthly bill, but something came up that I cancelled the trip and XXXX was supposed to notify them that I cancelled my trip so I wouldn't get billed, and now its on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Refer to XXXX. Wells Fargo contacted customer via international call a suggested account closure was sent to manager and intimated a cashiers check could be issued and sent to customer but approval was needed given CD amount. Email sent by Wells Fargo today reiterating impossible requirement to visit branch ( none exist in XXXX handling consumer banking and none exist in Oklahoma ) to fix the issue. Simply, a fix existed a few days ago that extended far beyond what the customer was even requesting yet suddenly doesnt exist anymore and NO reasonable solution exists but telling the customer to visit branches that dont exist in his state or country of residence. 

It is at best disingenuous for Wells Fargo to provide an account to customers that require branch visits to managers when customers live overseas. Even for customers in US states with no branches, no such account types should be sold to customers- and my state has no Wells Fargo branches! 

Ive responded to the complete turnaround by Wells Fargo requesting a way forward for XXXX support personnel who have NO ability to enter a branch during XXXX and XXXX have no ability to request by phone from a foreign country their money NOT be forcibly held in an account type with restrictions so onerous as to potentially make it impossible to reasonably recover their funds when Wells Fargo refuses to ignore customer requests made to the bank requesting these actions not take place. Simply allow such individuals the ability to pre-emptively request the account NOT be renewed- as Wells Fargo was and continues to be but chose/chooses to ignore - versus acting punitively and injurious against them despite their best efforts to avoid the abusive behavior.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements.

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. 

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law.

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
I enrolled in National Debt Relief 's program on XX/XX/year>. I was misled about the long term impact on my credit score and was promised that credit repair would be a part of the process but I am being prevented from buying my first home due to the impact of this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On the XXXX of XX/XX/year>, I left the sum of XXXX in the atm without completing deposit transactions. I do not know if the ATM machine time-out before the next customer used it or if it allowed the customer to cancel the transaction thereby ejecting the money for the next customer to take away. This I clearly stated when I filed my claim. 
Wells Fargo refuse to use the video footage as a resource for the investigation. They were unable to establish if I was present at the machine as I claimed, neither did they establish if another customer was the one that took the money out of the machine. 
I have filed a claim with CFPB originally but WELLS FARGO refuse to do their job. Wells Fargo is an establishment that clearly doesnt care about their customers. 
The investigation wasnt done so I clearly do not agree to their decision.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America withdraw money from my one checking account to pay another checking account they closedon my behalf. They did not notify me of this withdraw and when I requested documentation they did not send it.

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 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing best complaint regarding failure to properly handle a dispute under regulation on XX/XX/XXXX I filed a dispute for a merchandise I paid for in the amount of {$220.00} that I never received i submitted all documentation as requested by XXXX  in a timely manner and fully cooperated with the investigation I was instructed to wait 45 days for the investigation to be completed after that. I contacted XXXX  and I was informed that my dispute has been missed filed internally by XXXX  and I was told I would need to wait an additional 45 days due solely their internal processing error. On XX/XX/XXXX I spoke with multiple representative and supervisor the supervisor name XXXX refuse to provide an employee ID extension written confirmation of escalation or transfer me to the compliance or executive dispute department I was only given the original dispute number and receive verbal assurance without documentation I do not consent to restart an investigation timeline due to serve internal error. Underregulation E I am requesting immediate provisional credit of {$220.00} written confirmation of escalation to the dispute, compliance department and proper handling of my dispute. XXXX  action has caused unnecessary delay a lack of transparency and failure to provide require consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
A collection account from Jefferson Capital Systems LLC is being reported related to XXXX XXXX XXXX. The services were discontinued, and I dispute that this debt is legally owed. I have not been provided with proof of a valid contract, an itemized statement supporting the balance, or proof that Jefferson Capital has legal authority to collect this debt. The amount being reported appears inaccurate and unverified. This collection is negatively impacting my credit while I am in the process of purchasing a home. I am requesting that this account be removed due to lack of verification and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Opened new checking account on XX/XX/year>. XXXX $ bonus was promised after making two {$1000.00} direct deposits each consecutive month. Made the deposits but never received the bonus. 
Transactions history is attached. 
Promo webpage : XXXX XXXX XXXX

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 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I had a few student loans through XXXX. Unless I was on a pause of payments for several reasons, I ALWAYS paid based on what XXXX website said. There was never anything on the payment slips I received that stated the payments were only for specific schools or dates etc ... just the payment amount and my account number. Suddenly in XXXX my payments were being returned. After a few months of this happening, I contacted XXXX  who told me to contact Mohela, which I did. After which, I received correspondence that my loans had been XXXX. I have numerous letters stating such. Again, there is no mention of specific schools or dates on which the discharge was specific to. Just that my loans had been XXXX. Thank goodness because I don't have money and have lifelong struggle financially and this was a HUGE relief for me and my family. Again, this discharge was in writing from Mohela. And let me restate that when I was paying my loan, I was paying based on the monthly statements that I had. Those slips had no indicator of specific dates or schools. Fast forward to a few months ago ... the end of XXXX. Over a year of no correspondence ... which made sense to me since I was specifically told ... in XXXX that my loan was XXXX. Suddenly I received paperwork from Aid Advantage that I had outstanding amounts. What??? I went off what XXXX website and Mohela told me with payments and then the discharge acknowledgement. Now I owe over $ XXXX which I do not have nor probably ever will as I was, again, told it was XXXX. Then I was told that the discharge was only for specific schools and years. Yet at no time did anyone ever tell me that. I went through letters and emails and nothing. I even went back into XXXX website, and it still said XXXX owed. What am I supposed to do now? I don't have the funds at all for this. I understand that its a loan and the understanding upon application and receipt was to pay back. I truly understand that, but when I am specifically told that it was XXXX, I continue through life assuming I don't have that debt any longer. And now, almost XXXX  years later I am told otherwise. This is NOT ok. This is livelihood all for the error of Navient and its other companies for misleading me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I am submitting this formal complaint regarding the handling of my business checking account by M & T Bank, XXXX XXXX XXXX 
My name is XXXX  sole proprietor of XXXX. I opened a business checking account on XX/XX/2026 at the M & T Bank XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and provided all required licensure and documentation at account opening. The account was functioning normally, and I deposited XXXX customer checks for completed contract work : {$2700.00} {$12000.00} Both checks have cleared the issuing banks and the funds should be fully available. 
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an alert stating there was fraudulent activity and that my account had been frozen without warning. When I contacted M & T Banks fraud department, no one was able to provide an explanation or details regarding the alleged issue. 
I went to the XXXX branch and met with a representative, who told me only that They dont like your check. I was then questioned inappropriately about my business operations, including : Who do you buy your windows from? 
Where do you store your windows? 
Being told to order the windows and provide a purchase order This is not possible because my vendors require XXXX % payment upfront, and my funds are currently being held by the bank. 
I was also questioned about my transfer of business funds into my personal accountnormal activity for a sole proprietor paying themselves. 
As of today, XXXX XXXX XXXX XXXX, my account remains frozen with no resolution, no stated reason, and no transparency. I am currently attempting to resolve this through XXXX XXXX at M & T Bank, with XXXX XXXX, the branch manager who opened my account, also involved, but I have received no answers or timeline for restoring access to my funds. 
This freeze has halted my small business operations, prevented me from fulfilling customer contracts, and is causing financial harm.

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 2026-01-29 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
A shame, child, XXXX revealed the liars. No, that just ain't right, and XXXX sent me to get at ya, doesn't pay dishonesty, come on out where you go. On my behalf, they lied to the world. How did this get changed in the XXXX? com. Question : Who and when did they change status who XXXX XXXXXXXX # XXXX said I withdrew XX/XX/year>. liars that login committed fraud. 

My question is : Who changed my status, and when? According to XXXX ( Student ID # XXXX ), they reported that I withdrew on XX/XX/year>. Those who logged in committed fraud. My name should have been reported to the FTC for a refund and debt relief, but because they claimed I withdrew, my name was not included on the list of enrolled students in a XXXX  's program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: We Collect Inc
State: NH

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX ) for deceptive marketing and unfair banking practices regarding deposit settlement timelines. On Tuesday, XX/XX/XXXX, at XXXX XXXX, a verified {$1900.00} Board of Education refund appeared as a 'Pending ' deposit, and while the XXXX dashboard explicitly promises a settlement window of XXXX business days, the funds remain unavailable on this XXXX business day. Atlas support has provided contradictory and deceptive information, with their automated assistant quoting a XXXX  day window while a XXXX XXXX  email explicitly admitted that although the dashboard displays XXXX  days, their internal " current processing standards '' are actually XXXX business days. This " bait and switch '' has caused immediate financial hardship, leading to the disconnection of my phone service and leaving me without a way to contact the bank 's support lines. I am requesting the immediate manual release of these verified funds and a formal correction of the XXXX dashboard to accurately reflect their XXXX day processing standards so other consumers are not misled.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/year> a provisional credit in the amount of {$400.00} was credit to my account due to fraud and noticing my card was being used from websites and subscriptions so I filed disputes on the items a few days later i get an email saying on XX/XX/year> the credit would be reversed. Then on XX/XX/year> {$150.00} was credit to my account because my card was used out the country to purchase a hotel on XX/XX/year> the credit was reversed once again I am convinced my money was never safe and able to be stolen by anyone with all the digital fraud going on I don't believe navy federal investigated anything because how to you complete an investigation for card fraud in 3-4 days I reached out and even appealed to get the documents used to help make they decision asking for id picks and signatures at hotel and looking at cameras because that has to be provided at time of check in instead of doing they're job they attempt to send me to collections over {$240.00} dollars when my account was {$500.00} overdrawn and I paid most of which that's why it's only overdrawn about {$240.00} now it was over {$500.00} taken lil by little and when i finally caught on to it because of a fraud alert sent by bank now I am stuck owning a debt i didn't cause and money stolen only for me to have to pay back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation