vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint against Coinbase.com, a cryptocurrency exchange and wallet service, regarding an issue I have encountered involving the wrongful freezing and locking of my assets ( specifically XXXX ( XXXX  ) tokens ) without my consent. This has caused me significant financial loss, and I believe Coinbases actions may constitute an illegal seizure of my property. 

Details of the Complaint : Account Information : Coinbase Account : -REDACTED- Affected Cryptocurrency : XXXX ( XXXX  ) Date of the Transaction : XX/XX/year> @ XXXX Transaction Status : Pending ( never broadcast to blockchain ) Amount of XXXX  : XXXX XXXX On XX/XX/XXXX, I initiated a transaction on Coinbase.com to transfer my XXXX tokens . The transaction, however, has been stuck in a " pending '' status for over 2 weeks, and as of this moment, the funds have not been transmitted to the blockchain. Despite repeated requests for clarification and resolution from Coinbases customer support, the status of my funds has not changed, and they remain locked in a pending state. 

There has been no reasonable explanation provided by Coinbase for this delay, nor have they offered any credible reason for the freezing of my assets. Importantly, the transaction was never broadcast to the blockchain, and the XXXX  tokens were never sent to their intended recipient. As such, I believe that Coinbase is unjustly holding my assets without lawful justification, and their actions appear to be in violation of my rights as a user and customer. 

This is a clear example of my digital assets being held hostage, as I have no access to the XXXX tokens, nor have I been informed of any specific issue or technical failure that would explain why my funds are being held in this " pending '' state. Given that no funds have been transferred or spent, and the transaction has never been finalized, Coinbases actions could be considered unlawful and in violation of my right to access my cryptocurrency. 

Requested Action : Immediate release of the XXXX tokens and a thorough investigation into the cause of the " pending '' status. 
A full explanation of the reason why my transaction was never broadcast to the blockchain. 
A review of Coinbase 's handling of customer assets to ensure this issue does not affect other users. 
Any compensatory action deemed necessary if my assets are irreversibly lost due to Coinbases actions. 
Please confirm receipt of this complaint and advise on the next steps to take. I am available for any further information or clarification if needed and would appreciate timely assistance in resolving this matter. 

Thank you for your attention to this important issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
They appear to have my email on someone else 's account. The name on the account is not mine and I did not apply for credit withg them. I requested them to remove my info and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
XX/XX/year> was when I received the email about interest during forbearance while I'm on the save plan injunction. I have tried to apply for a different plan but that has not happened. I was told during this forced administrative forbearance i would not accrue interest. I am unable to make payments anyways so it doesn't make sense for interest to accrue and I didn't choose the forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
Debt Validation letter requested. Company did not send contract validation with written signature that debt was mine. I made contact on XX/XX/year> at XXXX and they advised they were only sent an invoice when debt was bought and when i disputed/appealed she advised they would just send it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report. 
Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion. 
Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account. 
If you require any further documentation or clarification, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report. 
Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion. 
Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account. 
If you require any further documentation or clarification, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MOHELA
State: AR

Complaint narrative:
I received a notice this week that my loan has been accruing interest. It was clearly stated before that if you were on forbearance due to government problems being able to collect correct amounts under the Saves act that no interest would accrue. This was emailed and also its publicly on the web. Im not in forbearance by my own request. Mohela automatically put me in forbearance and stated they could not properly collect payments at this time. I need any money Ive been charged in interest returned. I had other questions about my student loan several months ago and I didnt get a reply for 3 months so Im sure I will not hear back without filing a complaint. The student loan system is severely broken and there needs to be better communication and service. It is impossible to speak to anyone and even if you contact through email like they suggest they dont respond for months. No other businesses, other than government agencies, are allowed to have such poor service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Received notice of a small claims lawsuit filed by XXXX XXXX of XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI on behalf of Portfolio Recovery Associates , LLC without any prior communication, alleging they made a previous demand for payment and repeatedly sent monthly statements, and that I did not object creating an account stated between them and me despite me owning no debt and them having no contract or evidence of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company is XXXX XXXX XXXX XXXX They charged off the debt and refuse to give me a " 1099 c '' so I can do my taxes. 
I sent a formal letter to remove all inaccurate information and for the 1099 c I've disputed with the 3 credit agencies multiple times and cited 15 USC 1681i and 15 USC 1681b These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

This has costed me more than {$600000.00} in losses.

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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is XXXX XXXX XXXX XXXX They charged off the debt and refuse to give me a " 1099 c '' so I can do my taxes. 
I sent a formal letter to remove all inaccurate information and for the 1099 c I've disputed with the 3 credit agencies multiple times and cited 15 USC 1681i and 15 USC 1681b These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

This has costed me more than {$600000.00} in losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company is XXXX XXXX XXXX XXXX They charged off the debt and refuse to give me a " 1099 c '' so I can do my taxes. 
I sent a formal letter to remove all inaccurate information and for the 1099 c I've disputed with the 3 credit agencies multiple times and cited 15 USC 1681i and 15 USC 1681b These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

This has costed me more than {$600000.00} in losses.

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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I receive repeated text messages from MRS BPO LLC and phone calls from their number telling me to call them. The text message is as follows : " XXXX, Contact MRS BPO LLC regarding a matter with XXXX XXXX XXXX XXXX XXXX The MRS is a collection agency. Text : https : XXXXXXXX XXXXmy phone number or Reply Chat Call : ( XXXX ) XXXX XXXX  : XXXX Opt Out : Reply STOP XXXX XXXX XXXX '' First of all, I don't know XXXX ( Sometimes the name is spelled XXXX ). Second of all, I have no business with any company called XXXX XXXX XXXX XXXX Third, I have no debt in collections. Fourth, if I had something overdue, the company to which I owed whatever it was would send a letter BEFORE some collections agency and they would nottify me that it is being sent to collections. 

I have reported this as a scam call/text to wireless carrier. I have reported it to the FTC do not call complaints. There are lots of people complaining about getting this same text on the internet. I will not call this company because, although the company may be legit, all of the numbers/links in the text may be fraudulent. Nobody knows if they are actually calling the real company or the real company is texting. This text message and phone calls have come on the heels of hundreds of scam calls ant texts that I have received in the last three months, which I have also been reporting. 

Last month, several people at my business received e-mails on their work e-mail from what appeared to be this company regarding other debt collections for various companies none of them had done any business with. 

The complaints about this company on the XXXX  Website have skyrocketed in the past year. Before that they had many fewer complaints. Someone should investigate whether this company is being spoofed by scammers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief