vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$680.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$48000.00} ;

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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CREDIT IS NOT REPORTING ACCURATELY. MULTIPLE CREDIT AGENCIES ARE REPORTING INACCURATE CREDIT REPORTS ON MY ACCOUNT. I SHOULD NOT HAVE A BALANCE WITH ANY COLLECTION AGENCY. XXXX XXXX XXXX IS UNLAWFULLY REPORTING DEROGATORY REMARKS ON MY CONSUMER CREDIT REPORT. PLEASE HELP ME OUT

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 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Spoke to a gentleman regarding payment options he said I couldn't have that option it had to be paid in full. I explained I am a single mother and he told me to get a husband to pay my bills and hung up. I spoke to the manager regarding his staff he stuck up for his staff my phone was on speaker and my daughter heard both conversations. He had the audacity to tell me I should not have my phone on speaker. I told him it wasn't right for neither him or his staff to speak to me in that manner. Threats of suing, increasing the debt, and decreasing my credit score. I told him I want to the pay bill but in a realistic payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/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 Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/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 Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
I call Cottagewood financial Wisconsin and Ask for settlement, for {$500.00} since its been 10 years Since I got married my last name was XXXX  now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NV

Complaint narrative:
So I first had a wrongful repossession but I just returned the car I didn't want to deal with it anymore and was told the money I already gave them would be returned to me and now there saying there not giving it back to me after on a recorded line I was told that they would send a check that it will be to me within 20 days I waited 20 days no check called back they said that information was incorrect they would not be sending a check instead it was processed on the XXXX of XXXX to be returned to my bank card I paid within 5 days I waited 5 days now there saying that they don't owe me any money and the account is closed and everything I stated is on a recorded line thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures. 

This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my credit score and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not share my information to third party institutions These are clearly violations of my federal protected consumer rights.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX, XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$220.00} 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 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 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY, 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 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.

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 2023-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I made a payment for XXXX and XXXX for {$380.00} and it was cleared from my account that day. This payment shows up on the payment portal for my end. Happy money is saying on XX/XX/XXXX the payment was returned ( it wasnt ) and that I need to make another payment ( next payment is due XX/XX/XXXX according to the online portal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  XXXX Balance Owed : {$48000.00} ;

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