vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 November 22, 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 Annual Credit Report, 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 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.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC has made a change that limits my ability to connect savings services to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid a collection and I submitted the paid letter from the car company but they said they cant change the balance to show {$0.00}. This needs to be corrected. Thank you.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 November 22, 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 Annual Credit Report, 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.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 November 22, 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 Annual Credit Report, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2020-07-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX ( XXXX ) .They are furnishing false and inaccurate data to Transunion . My dispute with XXXX on XX/XX/, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at Transunion.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I paid in full my collection to XXXX XXXX for a total of {$160.00} on XXXX XXXX, 2020. It was still showing delinquent on my TransUnion credit report, so I disputed it. They said it was not removed and the balance had only changed. This account was paid in full and should be removed from my credit.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently submitted letters to Experian for investigation of items on my credit report in which within 3 days the agency stated that all the items disputed were accurate. I asked how were items verified and received no documentation or an explanation from debt collectors or Experian. On XX/XX/XXXX, I contact Experian and disputed inaccurate items once more and today all the items came back verified except one. There are incorrect balances and duplicate accounts on my credit. When I dispute items they are reaged as well so they will stay on my credit longer. For instance XXXX XXXX has been on my credit report as closed and paid in full since XXXX why hasn't it been removed?

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to correct my personal information on file with your company. After reviewing my credit report I found out address where I have never lived before. Please see remove this address as soon as possible from my credit report. 

My true personal information ; Full address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Full name : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1963 I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 

Fraud Address in my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove this address as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX XXXX. They are furnishing false and inaccurate data to the Transunion, and XXXX. My dispute with XXXX on XX/XX/, 2018 resulted in the inaccurate, false reported information by XXXX XXXX XXXX XXXX being removed. However its still is being reported at XXXX and Transunion.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, LEXIS NEXIS and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX  and XXXX uses LEXIS NEXIS to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my LEXIS NEXIS file has been frozen since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am speaking to XXXX XXXX EQUIFAX, XXXX, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to EQUIFAX, XXXX, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " XXXX '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! EQUIFAX, XXXX, AND XXXX have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from Equifax, 41 from XXXX, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how hellish this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, EQUIFAX, XXXX, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, EQUIFAX, XXXX AND XXXX have violated my rights as a consumer under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am speaking to XXXX XXXX XXXX, EXPERIAN, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to XXXX, EXPERIAN, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " CN '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! XXXX, XXXX, AND EXPERIAN have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from XXXX, 41 from Experian, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how XXXX  this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, XXXX, EXPERIAN, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, XXXX, XXXX AND EXPERIAN have violated my rights as a consumer under the Fair Credit Reporting Act.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have several names that are listed on my account. I have offered to send in LEGAL PROOF of what my name is to remove the incorrect names. They proceeded to tell me because the incorrect name was linked to one or more accounts then they could not remove the name. Same thing with the addresses. I need my legal address on file. I do not wish for any information to be sent to any other address because of Identity Fraud! I NEED THIS RESOLVED YESTERDAY! I have called multiple times to only receive a CS agent that wants to push the problem off.

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 2020-07-02 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I do not have a contract with Debt Recovery Solutions ( DRS ) .They are furnishing false and inaccurate data to XXXX . My dispute with XXXX on XXXX XXXX, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at XXXX.

Company response to consumer: Closed with explanation