{"took":329,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1278,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4274374","_score":17.967215,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I received direct deposit of EIP payments 1 and 2 to my bank account. For payment 3 I received an EIP debit card in the mail less than two weeks after I was notified that a direct deposit was schedule for payment 3. I do not wish to establish a business relationship with XXXX  or be subject to the terms, conditions and fees associated with their card. \n\nThere is no option on the IRS web site to reject the card and force a direct deposit like the first 2 payments. In order to try to resolve the problem through XXXX, I must first establish a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay.","date_sent_to_company":"2021-04-06T15:14:27.000Z","issue":"Confusing or missing disclosures","sub_product":"Domestic (US) money transfer","zip_code":"92620","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4274374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2021-04-06T14:50:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I do not wish to <em>establish</em> a business relationship with <em>XXXX</em>  or be subject to the terms, conditions and fees associated with their card. \n\nThere is no option on the IRS web site to reject the card and force a direct deposit like the <em>first</em> 2 payments. In order to try to resolve the problem <em>through</em> <em>XXXX</em>, I <em>must</em> <em>first</em> <em>establish</em> a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay."]},"sort":[17.967215,"4274374"]},{"_index":"complaint-public-v1","_id":"15583667","_score":15.008411,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing two XXXX XXXX accounts originally issued by XXXX XXXX XXXX and reported through XXXX XXXX  XXXX XXXX XXXX Balances are approx. {$6900.00} and {$6800.00}. \n\nI have not made a payment on these loans since XXXX. Under the Fair Credit Reporting Act, FCRA 623 ( a ) ( 5 ), the Date of First Delinquency ( DOFD ) must reflect the month/year the account first became delinquent and was never brought current. That date establishes the XXXX reporting period. \n\nHowever, my Equifax credit report dated XX/XX/XXXX shows these loans as if the most recent missed payment occurred XXXX  months ago. This is inaccurate and misleading. These accounts have been in continuous default since XXXX. The current reporting appears to be illegal re-aging, which improperly resets the delinquency clock and artificially extends how long derogatory information remains. \n\nThis misreporting is causing significant harm to my credit score and does not comply with FCRA requirements.","date_sent_to_company":"2025-08-28T17:03:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"15206","tags":null,"has_narrative":true,"complaint_id":"15583667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HEARTLAND PAYMENT SYSTEMS INC","date_received":"2025-08-28T16:56:43.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am disputing two <em>XXXX</em> <em>XXXX</em> accounts originally issued by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and reported <em>through</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Balances are approx. {$6900.00} and {$6800.00}. \n\nI have not made a payment on these loans since <em>XXXX</em>. Under the Fair Credit Reporting Act, FCRA 623 ( a ) ( 5 ), the Date of <em>First</em> Delinquency ( DOFD ) <em>must</em> reflect the month/year the account <em>first</em> became delinquent and was never brought current. That date <em>establishes</em> the <em>XXXX</em> reporting period."]},"sort":[15.008411,"15583667"]},{"_index":"complaint-public-v1","_id":"7151051","_score":14.866163,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened my new Truist business checking account online with a {$400.00} bonus promo code XXXX on XX/XX/2023. \nThe bonus trem : Earn {$400.00}. Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from XX/XX/2023, through XX/XX/2023. Within 30 days of opening the new business checking account, you must : Make Qualifying Deposits* of {$1500.00} or more into your new account. \nI established a brand new business with a EIN to open this new Truist business checking. This is my first EIN and first time apply Truist business checking account. I did two qualifying deposits of {$1500.00} into my new checking account within 30 days of account opening. \nI meet all requirement and my {$400.00} bonus still not post to my account. \nI called Truist customer service and still no bonus post to my account.","date_sent_to_company":"2023-06-22T21:28:51.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"229XX","tags":null,"has_narrative":true,"complaint_id":"7151051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-06-22T21:21:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["I opened my new Truist business checking account online with a {$400.00} bonus promo code <em>XXXX</em> on <em>XX/XX</em>/2023. \nThe bonus trem : Earn {$400.00}. Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from <em>XX/XX</em>/2023, <em>through</em> <em>XX/XX</em>/2023. Within 30 days of opening the new business checking account, you <em>must</em> : Make Qualifying Deposits* of {$1500.00} or more into your new account."]},"sort":[14.866163,"7151051"]},{"_index":"complaint-public-v1","_id":"3052584","_score":14.364953,"_source":{"product":"Student loan","complaint_what_happened":"Good Evening, I am currently working towards loan forgiveness via the PSLF program as an XXXX XXXX service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The first two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress established for forgiveness. Further, the loan service company could not answer questions nor provide guidance. Merely through the assistance of an acquaintance, I learned that I must consolidate my loans in order to qualify for PSLF. Nearly two years of payments towards my initial loan payments, paid in the honest and fair spirit of the law, will not count towards loan forgiveness. I believe this is truly an unfortunate and saddening realization that clearly thousands of other public servants are facing. The execution of this program have failed those faithfully serving this great nation.","date_sent_to_company":"2018-10-22T06:15:56.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"283XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3052584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2018-10-22T02:10:00.000Z","state":"NC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Good Evening, I am currently working towards loan forgiveness via the PSLF program as an <em>XXXX</em> <em>XXXX</em> service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The <em>first</em> two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress <em>established</em> for forgiveness. Further, the loan service company could not answer questions nor provide guidance."]},"sort":[14.364953,"3052584"]},{"_index":"complaint-public-v1","_id":"2004604","_score":14.133659,"_source":{"product":"Bank account or service","complaint_what_happened":"walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, \" i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. \nmy credit shows right now that i was closed due to lack of payment. \nwhen i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. \ni then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. \ni complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. \nthe bank must correct this false statement. or it must pay compensation for publishing false statements. \ni have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.","date_sent_to_company":"2016-07-11T16:12:46.000Z","issue":"Making/receiving payments, sending money","sub_product":"Checking account","zip_code":"95670","tags":"Older American","has_narrative":true,"complaint_id":"2004604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-07-08T19:11:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["when i made the <em>first</em> payment, well before my due date, i did it <em>through</em> a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. \ni then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go <em>through</em> and i was not told at the time that the payment did n't go <em>through</em>, and i was not called later."]},"sort":[14.133659,"2004604"]},{"_index":"complaint-public-v1","_id":"10641702","_score":14.130255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over 5 months in XXXXXXXX XXXX XXXX  I submitted CFPB Case : XXXX to Capital One informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.","date_sent_to_company":"2024-10-31T16:23:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"10641702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-31T15:47:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information <em>must</em> be accurate and verifiable. If you fail to provide this information, this account <em>must</em> be removed immediately. I also have the right to escalate this complaint <em>through</em> legal channels."]},"sort":[14.130255,"10641702"]},{"_index":"complaint-public-v1","_id":"10638719","_score":14.130255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over XXXX months in XXXX of XXXX  I submitted a complaint to Self/Lead Bank informing them that account XXXX was not in compliance to the FCRA. They sent a response letter saying that they confirmed that this account is reporting accurately contrary to the different dates listed for the date last active and date last reported, and inconsistent payment history. I even tried to take this up with the CRA 's in which they responded that they only report what is furnished to them by the creditor. So, my question is, how are you furnishing different information to the CRA 's? In order to verify that this information is accurately reporting, I am requesting specific documentation that establishes the accuracy and legitimacy of the account in question. Please provide : Original Account Agreement, Account History, Charge-Off Statement, Proof of Balance and Itemization, Date of First Delinquency, Chain of Title for Debt Purchases, Policies and Procedures Documentation. These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information must be accurate and verifiable. If you fail to provide this information, this account must be removed immediately. I also have the right to escalate this complaint through legal channels.","date_sent_to_company":"2024-10-31T17:17:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"10638719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-10-31T17:10:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These documents are within my rights to request under the Fair Credit Reporting Act, which mandates that all reported credit information <em>must</em> be accurate and verifiable. If you fail to provide this information, this account <em>must</em> be removed immediately. I also have the right to escalate this complaint <em>through</em> legal channels."]},"sort":[14.130255,"10638719"]},{"_index":"complaint-public-v1","_id":"3772268","_score":13.987741,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-31T04:12:20.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"3772268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-31T00:12:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge."]},"sort":[13.987741,"3772268"]},{"_index":"complaint-public-v1","_id":"3743774","_score":13.987741,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR XXXX XXXX XXXX XXXX!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-14T06:12:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"32257","tags":null,"has_narrative":true,"complaint_id":"3743774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-14T02:07:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["REQUEST FOR <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge."]},"sort":[13.987741,"3743774"]},{"_index":"complaint-public-v1","_id":"3757312","_score":13.9819975,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE XXXX XXXX XXXX!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-21T04:10:25.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01085","tags":null,"has_narrative":true,"complaint_id":"3757312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-21T04:10:22.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["REQUEST FOR FREE <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge."]},"sort":[13.9819975,"3757312"]},{"_index":"complaint-public-v1","_id":"3870275","_score":13.978659,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. \nXXXX XXXX","date_sent_to_company":"2020-09-29T14:51:11.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11421","tags":null,"has_narrative":true,"complaint_id":"3870275","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-29T14:51:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.978659,"3870275"]},{"_index":"complaint-public-v1","_id":"3911579","_score":13.974937,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. \nXXXX XXXX","date_sent_to_company":"2020-10-21T22:11:23.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"3911579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-21T22:11:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.974937,"3911579"]},{"_index":"complaint-public-v1","_id":"3780355","_score":13.974937,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR XXXX XXXX XXXX XXXX!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-08-05T18:30:45.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01104","tags":null,"has_narrative":true,"complaint_id":"3780355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-05T18:26:45.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["REQUEST FOR <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge."]},"sort":[13.974937,"3780355"]},{"_index":"complaint-public-v1","_id":"3911578","_score":13.970764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!!\n\nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. \nXXXX XXXX","date_sent_to_company":"2020-10-21T22:11:23.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"3911578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-10-21T22:11:20.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.970764,"3911578"]},{"_index":"complaint-public-v1","_id":"3781210","_score":13.970764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-08-06T05:36:18.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"3781210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-06T01:36:14.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.970764,"3781210"]},{"_index":"complaint-public-v1","_id":"3741796","_score":13.970764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-13T04:48:48.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01201","tags":null,"has_narrative":true,"complaint_id":"3741796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-13T00:48:44.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.970764,"3741796"]},{"_index":"complaint-public-v1","_id":"3911582","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!!\n\nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. \nXXXX XXXX","date_sent_to_company":"2020-10-21T22:11:12.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"3911582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-21T22:08:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>  and <em>XXXX</em> <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.966051,"3911582"]},{"_index":"complaint-public-v1","_id":"3882556","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my  personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. \nXXXX XXXX","date_sent_to_company":"2020-10-06T04:49:38.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01104","tags":null,"has_narrative":true,"complaint_id":"3882556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-06T00:39:16.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.966051,"3882556"]},{"_index":"complaint-public-v1","_id":"3840615","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-09-11T05:27:17.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"211XX","tags":null,"has_narrative":true,"complaint_id":"3840615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-11T01:27:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.966051,"3840615"]},{"_index":"complaint-public-v1","_id":"3801207","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE XXXX XXXX XXXX!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and Credit XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-08-18T15:05:41.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"011XX","tags":null,"has_narrative":true,"complaint_id":"3801207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-18T15:01:37.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["REQUEST FOR FREE <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge."]},"sort":[13.966051,"3801207"]},{"_index":"complaint-public-v1","_id":"3794848","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has  gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-08-13T21:44:58.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"32780","tags":null,"has_narrative":true,"complaint_id":"3794848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-13T21:44:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.966051,"3794848"]},{"_index":"complaint-public-v1","_id":"3786133","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-08-08T23:13:47.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01085","tags":null,"has_narrative":true,"complaint_id":"3786133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-08T23:13:43.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.966051,"3786133"]},{"_index":"complaint-public-v1","_id":"3771978","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-30T21:42:48.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11550","tags":null,"has_narrative":true,"complaint_id":"3771978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-30T21:42:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em>  <em>XXXX</em>, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary."]},"sort":[13.966051,"3771978"]},{"_index":"complaint-public-v1","_id":"3763327","_score":13.966051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"REQUEST FOR FREE ANNUAL CREDIT REPORT!!! \nI believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-25T07:09:24.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11378","tags":null,"has_narrative":true,"complaint_id":"3763327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-25T03:09:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. 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Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.","date_sent_to_company":"2020-07-24T04:12:07.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"01040","tags":null,"has_narrative":true,"complaint_id":"3761761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-24T04:12:03.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["The Act <em>first</em> <em>established</em> <em>XX/XX</em>/2003 was intended to <em>establish</em> a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. 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