vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
WE ARE IN RECEIPT OF CORRESPONDENCE FROM XXXX AND XXXX REGARDING CFPB COMPLAINT XXXX AND XXXX. 
PLEASE NOTE ALL SUBMITTED COMMUNICATION IS FRAUDULENT. COMMUNICATE SENT VIA XXXX WHICH CONSTITUTE MAIL FRAUD AND IF SENT TO CFPB VIA EMAIL IS CYBER FRAUD. OUR SIGNATURES WERE COPIED AND PASTED AND OR LIFTED ONTO THESE DOCUMENTS, WE HAVE NEVER SEEN NR RECEIVED ABULK OF THESE DOCUMENTS. XXXX AND XXXX ARE VERY AWARE OF THE SITUATION AND IS POSSIBLY WORKING WITH LEAGL COUNSEL FROM XXXX XXXX WHICH IS A CONFLICT. 

THIS INDIVIDUAL WAS VISITING XXXX XXXX XXXX AND DOCUMENTS WERE TAKEN PERTAINING TO XXXX XXXX XXXX XXXX. IF THIS LAWFIRM IS RECEIVING FEEDBACK FRO, THE BRC TRUSTEE XXXX XXXX XXXX, AFTER INVESTIGATION, IT HAS BEEN CONCLUDED HE ABANDONED ALL REAL PROPERTIES DUE TO MORTGAGE FRAUD, WE HAVE ID THEFT AND IN ORDER TO MAKE MONEY FROM THIS CASE HE ABANDONED THE PROPERTY COLLECTED PMI.WE NEVER RECEIVED A LOAN FOR A MORTGAGE. 

THIS WAS REVEALED AFTER BEING NOTIFID BY A FEDERAL AGENCY O ID THEFT AND FRAUD. THE CLOSING WAS STAGE AND FRAUDULENT. XXXX XXXX AND XXXX APPEARED TO HAVE HAD STRAWBUYERS WHO WOULD STEAL PROPESPECTIVE HOME BUYERS IDENTITIES AND LOANS WOULD BE OBTAINED USING VARIOUS INDIVIDUALS NAMES AND MORE, ALL MONEY WAS DIVIDED WITH THEIR STRAWBUYERS, THERE WAS NEVER A LOAN PROVIDED. WHERE ARE YOU GETTING A XXXX DATE FROM? 

SOME OF THE ATTACHED DOCUMENTS ARE ILLEGIBLE. 
( PLEASE EXCUSE ANY TYPOS )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

Transunion EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX 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

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 2022-08-26 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
This is not a duplicate. 
XXXX shows XXXX of XXXX as payment made. 
XXXX shows XXXX of XXXX as XXXX  days late. 

This is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to removed from report XXXX XXXXo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The morning of XX/XX/XXXX we reported XXXX unauthorized XXXX disbursements, we have never used XXXX, to people we don't know, XXXX for {$950.00} on XX/XX/XXXX and XXXX for {$960.00} on XX/XX/XXXX. We did not authorize these disbursements. This was not a scam. It was fraud. On XX/XX/XXXX we were told by the Wells Fargo fraud department that these funds would be restored to our account in XXXX  days. Since then we have had numerous phone conversations with Wells Fargo without satisfaction. 

On XX/XX/2022 we sent a Certified Mail Receipt letter outlining our complaint with our account number and claim number to XXXX XXXX, XXXX & XXXX Wells Fargo Bank. We have had no response.

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 2022-08-26 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: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX Unknown XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

XXXX XXXX XXXX - Account # XXXX has violated my rights. 
XXXX - Account # XXXX has violated my rights. 
XXXX XXXX - Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-08-26 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: AL

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. 

XXXX XXXX XXXX - Account # XXXX has violated my rights. 
XXXX - Account # XXXX has violated my rights. 
XXXX XXXX - Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX, has violted my rights 15 USC 1681 Sections 602 States I have the right to privacy 15 USC 1681 Section 604 States 2 : It also states a consumer reporting agency can not furnisha account without my wriiten instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not following Regulation CC in deposits. I tried to deposit a {$17000.00} from my Attorneys Trust. When I deposited the check I was given a print out on deposit slip stating they would follow regulations and that {$5300.00} would be available on XX/XX/2022 and {$11000.00} would be available on XX/XX/2022. Which does not even equal {$17000.00}. They then sent an email stating they would hold it on the XXXX stating fear of a returned check. They did not provide any reason to suspect check would be returned as it states is required in Reg CC. Furthermore the issuing bank XXXX has stated funds have already been cleared and received. My bank stated they dont care and they do not care to call XXXX and verify. Even if they received verification of funds being released to hey would hold my funds abnormally long and they can do that. However, Regulation CC states they can only do so if they think they will not receive funds. How can they continue to hold my funds for several business days after receiving funds. I believe this is for their own personal financial gain. They are using my money for a short term investment. Their is no reason to hold my money for several days after receiving it from the issuing financial institution.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
COMPANY STATED THAT ON THE FIRST PAYMENT MADE ON ALL CREDIT CARDS THERE WILL BE A HOLDING PERIOD BUT AFTER THE FIRST PAYMENT EVERYTHING WILL BE REFLECTED THE NEXT BUSINESS DAY. COME TO FIND OUT AFTER MAKING A LARGE PAYMENT THAT THEY HOLD EVERY PAYMENT FOR 10 DAYS AND I WAS LIED TOO ON A RECORDED LINE BY A CITIBANK EMPLOYEE.

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 2022-08-26 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to removed from 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 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 non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have started a new program as a XXXX XXXX XXXX, uploaded and submitted deferment request and also acceptance letter into the program at the beginning of the month. Spoke to a representative ; XXXX XXXX, was told that they do not get notified when, " things are submitted online '' asked representative where I would find that they do not get notified when things are submitted on their website. She stated that, " she was not sure, and I should have called to speak with someone. '' Asked her what the point was of submitting documents online and asked where I should have emailed the forms instead. Service rep stated that, " they do not accept email. '' I believe Navient is acting in bad faith on deferments. I don't believe that they would have just taken my word for it so I submitted official forms on their website in good faith. Representative stated, " that we will request a deferment now. '' Wondering why it wasn't done before I get hit for a 90 day late, even though I submitted documents at the beginning of the month for the deferment and why she wants me to pay even though I am in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank has not updated my credit report since XX/XX/2022, over two months ago. I also have not received any of my rewards in two months either. I have since completely paid off this balance but since they're not reporting it I'm continuing to take a significant hit on my credit score. Ever since this bank 's supposed " update '' 2 months ago that locked everyone out of their accounts for weeks they have done nothing. No reporting payments to the credit bureaus, no rewards points for using our cards. I paid over a {$500.00} balance that I would like reflected on my credit score, they haven't reported anything for over 2 months. This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, 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:
I called Transunion and spoke to a representative on XX/XX/2022 and I had multiple unauthorized inquiries on my report and fair credit reporting act requires all unverified and unauthorized items must be removed from my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. The inquiries were : 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 2022-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Im a young father of XXXX who lost his job during covid and Im getting buried in debt with the insane interest on this credit card. My promotion balances were unclear and I made all my monthly payments on time every month, my last payment was almost XXXX $ and I got charged XXXXXXXX XXXX  in interest. How am I supposed to survive like this. You guys already made so much money in interest from me but want to see me buried in debt making XXXXXXXX XXXX payments until Im XXXX XXXX XXXX and my XXXX credit card has XXXX $ in paid interest by the time Im done. I need help, have a XXXX and look into my account. Lower my interest rate, waive some interest fees, please do something to help a paying customer who doesnt miss payments. You want to see someone who lost there great job suffer now from insane interest charges every month? I need help please please please look into my account

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: DE

Complaint narrative:
I called into discover bank to see if i can get a forbearance for my credit card department I had XXXX  XXXX XXXXXXXX done XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX due XXXX XXXXXXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstance, i have an excellent payment record with discover bank and i wasn't granted hardship untill my account was 30 days late and they reported XXXX late payments to the credit bureau and XXXX payment how im i going to make any payments on bed rest i attached my XXXX documents I Also called into Discover and explained my situation and I wasnt granted any hardship before my XXXX w hardship after the late payment was reported to the credit Breau What i want to happen is my late payments removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TX

Complaint narrative:
the accounts/ inquires cant be verified and need to be removed from my account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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