{"took":110,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5794,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8988900","_score":31.03551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Submitted on line complaint to credit bureaus XX/XX/year>. \nAccording to 15 USC 6801 : Protection of Nonpublic Personal information ( a ) Privacy information policy. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.","date_sent_to_company":"2024-05-13T04:38:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39501","tags":"Older American","has_narrative":true,"complaint_id":"8988900","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-13T03:36:11.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to 15 USC 6801 : Protection of <em>Nonpublic</em> <em>Personal</em> information ( a ) Privacy information policy. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[31.03551,"8988900"]},{"_index":"complaint-public-v1","_id":"6170521","_score":30.934175,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Default and Opportunity to Cure To whom it may concern This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. \n\nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).\n\n15 USC 6801 - Protection of nonpublic personal information.\n\n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that SELF FINANCIAL use against Consumers like myself. \n\nThe provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.","date_sent_to_company":"2022-11-05T16:45:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6170521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2022-11-05T16:34:21.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[30.934175,"6170521"]},{"_index":"complaint-public-v1","_id":"10052721","_score":30.759851,"_source":{"product":"Debt collection","complaint_what_happened":"Law 15 U S Code 6802 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information.","date_sent_to_company":"2024-09-09T17:20:23.000Z","issue":"Written notification about debt","sub_product":"Payday loan debt","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"10052721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2024-09-09T17:07:38.000Z","state":"NC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Law 15 U S Code 6802 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."]},"sort":[30.759851,"10052721"]},{"_index":"complaint-public-v1","_id":"8124695","_score":30.619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information","date_sent_to_company":"2024-01-09T01:33:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95118","tags":null,"has_narrative":true,"complaint_id":"8124695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-09T01:23:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information"],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[30.619,"8124695"]},{"_index":"complaint-public-v1","_id":"9703270","_score":29.549606,"_source":{"product":"Debt collection","complaint_what_happened":"If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. \nIt is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.","date_sent_to_company":"2024-08-05T02:25:13.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Rental debt","zip_code":"75154","tags":"Servicemember","has_narrative":true,"complaint_id":"9703270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-08-05T02:14:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."]},"sort":[29.549606,"9703270"]},{"_index":"complaint-public-v1","_id":"9078738","_score":29.185568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of the Equifax data breach I missed the deadline to enroll in the class action lawsuit because I was never notified that my information was breached. Everything was hacked I get spam emails and calls and text messages all the time due to this data breach. \n15 U S C 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.","date_sent_to_company":"2024-05-24T05:55:25.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"9078738","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-24T05:43:42.000Z","state":"NV","company_public_response":null,"sub_issue":"Received unwanted marketing or advertising"},"highlight":{"complaint_what_happened":["Everything was hacked I get spam emails and calls and text messages all the time due to this data breach. \n15 U S C 6801 PROTECTION OF <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> ' <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[29.185568,"9078738"]},{"_index":"complaint-public-v1","_id":"6129282","_score":28.634686,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account # : # XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. \nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. \npursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).\n\n15 USC 6801 - Protection of nonpublic personal information.\n\n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that DISCOVERBANK use against Consumers like myself.\n\nThe provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n15 USC 1681 ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.","date_sent_to_company":"2022-10-25T16:22:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6129282","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-10-25T15:54:45.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).\n\n15 USC 6801 - Protection of <em>nonpublic</em> <em>personal</em> information.\n\n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.634686,"6129282"]},{"_index":"complaint-public-v1","_id":"6137548","_score":28.58685,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account XXXX XXXX XXXXXXXX To whom it may concern : This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX Transaction which will be constituting a dispute. \n\nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). \n\nXXXX XXXX XXXX - Protection of nonpublic personal information. \n\nXXXX XXXX XXXX ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. \n\nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that NELNET uses against XXXX like myself. \n\nThe provisions of XXXX XXXX XXXX ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nXXXX XXXX XXXX ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.","date_sent_to_company":"2022-10-27T16:28:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08638","tags":null,"has_narrative":true,"complaint_id":"6137548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2022-10-27T15:53:22.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The provisions of XXXX XXXX XXXX ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.58685,"6137548"]},{"_index":"complaint-public-v1","_id":"7015769","_score":28.500452,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. \n\n( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. \nThese Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public! \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. \nTHESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.","date_sent_to_company":"2023-05-23T22:30:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"7015769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-23T22:30:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sec. 6801 PROTECTION OF <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its <em>CUSTOMERS</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>CUSTOMERS</em> <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.500452,"7015769"]},{"_index":"complaint-public-v1","_id":"7017345","_score":28.478233,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. \n\n( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. \nThese Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public! \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. \nTHESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.","date_sent_to_company":"2023-05-23T22:30:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"7017345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-23T21:58:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sec. 6801 PROTECTION OF <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its <em>CUSTOMERS</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>CUSTOMERS</em> <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.478233,"7017345"]},{"_index":"complaint-public-v1","_id":"7017145","_score":28.478233,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. \n\n( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. \nThese Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public!\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nTHESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.","date_sent_to_company":"2023-05-23T22:30:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"7017145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-23T22:30:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sec. 6801 PROTECTION OF <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its <em>CUSTOMERS</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>CUSTOMERS</em> <em>NONPUBLIC</em> <em>PERSONAL</em> INFORMATION."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.478233,"7017145"]},{"_index":"complaint-public-v1","_id":"6133723","_score":28.27721,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. \nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and Equifax. \npursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).\n\n15 USC 6801 - Protection of nonpublic personal information.\n\n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that XXXX XXXXXXXX XXXX use against Consumers like myself. \nThe provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby XXXX XXXX XXXXXXXX XXXX the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution XXXX XXXX BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions XXXX XXXX BANK decide to ignore my request.","date_sent_to_company":"2022-10-26T15:16:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"6133723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-26T15:16:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).\n\n15 USC 6801 - Protection of <em>nonpublic</em> <em>personal</em> information.\n\n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.27721,"6133723"]},{"_index":"complaint-public-v1","_id":"7884113","_score":28.261127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? \n\nAlso 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nThe XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. \n\nPlease send a detailed description to how the account was verified.","date_sent_to_company":"2023-11-22T02:27:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21206","tags":"Servicemember","has_narrative":true,"complaint_id":"7884113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FactorTrust, Inc.","date_received":"2023-11-22T02:27:35.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information. \n\nThe XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. \n\nPlease send a detailed description to how the account was verified."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"sub_issue":["Problem with <em>personal</em> statement of dispute"]},"sort":[28.261127,"7884113"]},{"_index":"complaint-public-v1","_id":"7883951","_score":28.261127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? \n\nAlso 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nThe XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. \n\nPlease send a detailed description to how the account was verified.","date_sent_to_company":"2023-11-22T02:27:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21206","tags":"Servicemember","has_narrative":true,"complaint_id":"7883951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-11-22T01:42:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information. \n\nThe XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. \n\nPlease send a detailed description to how the account was verified."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"sub_issue":["Problem with <em>personal</em> statement of dispute"]},"sort":[28.261127,"7883951"]},{"_index":"complaint-public-v1","_id":"6133889","_score":28.251661,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit XXXX which will be constituting a dispute. \nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. \npursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). \n15 USC 6801 - Protection of nonpublic personal information. \n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that USAA SAVINGGS BANK use against Consumers like myself. \nThe provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant USAA SAVINGS BANK, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution USAA SAVINGS BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions USAA SAVINGS BANK decide to ignore my request.","date_sent_to_company":"2022-10-26T15:16:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"6133889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2022-10-26T15:07:17.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). \n15 USC 6801 - Protection of <em>nonpublic</em> <em>personal</em> information. \n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.251661,"6133889"]},{"_index":"complaint-public-v1","_id":"7884052","_score":28.150768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? \n\nAlso 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nThe Department Of Defense XXXX, has been sharing my account with third parties. \n\nPlease send a detailed description to how the account was verified.","date_sent_to_company":"2023-11-22T02:27:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21206","tags":"Servicemember","has_narrative":true,"complaint_id":"7884052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-22T02:27:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information. \n\nThe Department Of Defense XXXX, has been sharing my account with third parties. \n\nPlease send a detailed description to how the account was verified."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"sub_issue":["Problem with <em>personal</em> statement of dispute"]},"sort":[28.150768,"7884052"]},{"_index":"complaint-public-v1","_id":"6133737","_score":28.143127,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. \nI respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, Experian, and XXXX. \npursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). \n15 USC 6801 - Protection of nonpublic personal information. \n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that XXXX XXXXXXXX XXXX  use against Consumers like myself. \nThe provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nI am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby XXXX XXXX XXXXXXXX XXXX, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution XXXX XXXX XXXX, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions XXXX XXXXXXXX XXXX decide to ignore my request.","date_sent_to_company":"2022-10-26T15:16:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07501","tags":null,"has_narrative":true,"complaint_id":"6133737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-26T15:16:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). \n15 USC 6801 - Protection of <em>nonpublic</em> <em>personal</em> information. \n15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[28.143127,"6133737"]},{"_index":"complaint-public-v1","_id":"8497681","_score":27.982979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from Dr 's appointments of which were crucial to her survival!\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2024-03-08T01:35:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8497681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2024-03-08T01:23:36.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[27.982979,"8497681"]},{"_index":"complaint-public-v1","_id":"8497547","_score":27.982979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from XXXX XXXX appointments of which were crucial to her survival! \n\n\n\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2024-03-08T01:35:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8497547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-08T01:35:36.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[27.982979,"8497547"]},{"_index":"complaint-public-v1","_id":"8513370","_score":27.939587,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One has reported my non public personal information in violation of the FCRA Account XXXX XXXX As documented on the Federal Trade Commissions website, Per the FCRA 15 USC 1681 B ( Page XXXX ) XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nnonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer","date_sent_to_company":"2024-03-09T18:29:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80013","tags":null,"has_narrative":true,"complaint_id":"8513370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-09T17:58:43.000Z","state":"CO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[27.939587,"8513370"]},{"_index":"complaint-public-v1","_id":"6434298","_score":27.92075,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Notice to XXXX to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. \n\nIn 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US Congress : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nAs provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all CRAs. Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Transunion to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.","date_sent_to_company":"2023-01-13T16:19:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94605","tags":null,"has_narrative":true,"complaint_id":"6434298","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-13T16:13:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> information, according to the US Congress : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information.\n\nAs provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[27.92075,"6434298"]},{"_index":"complaint-public-v1","_id":"6441317","_score":27.845451,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Notice to Experian to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. \n\nIn 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US XXXX : It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\nAs provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all XXXX Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Experian to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.","date_sent_to_company":"2023-01-13T16:11:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94605","tags":null,"has_narrative":true,"complaint_id":"6441317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-13T16:03:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of <em>nonpublic</em> <em>personal</em> information, according to the US XXXX : It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information. \n\nAs provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[27.845451,"6441317"]},{"_index":"complaint-public-v1","_id":"8044809","_score":27.776089,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal is in violation of 15 U.S. code 6801-Protection of nonpublic personal information ; financial institutions have a duty to insure the security and the confidentiality of customer records, protect against the threat of security, and to protect against use of such information that could result in harm or any inconvenience for the consumer. Every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the privacy and confidentiality of those customers nonpublic personal information. According to 15 U.S. Code 6802-obligations with respect to disclosures of personal information a financial institution may not directly or though any affiliate disclose to a nonaffiliated any nonpublic personal information, unless such institution provides consumer with a notice that complies with 15 U.S. Code 6803. In general a financial institution may not disclose nonpublic personal information to a third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not disclosed and the consumer is given an explanation of how the consumer can exercise the non disclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notices that accurate reflects privacy polices and practices to consumer before you disclose any nonpublic personal information to any non affiliated third party. Pursuant to 16 CFR 313.7- financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. 18 U.S. Code 1348 makes it an federal offense to execute or attempt to execute a scheme to defraud any person in connection with a security or to obtain or by false or fraudulent pretenses and money or property in connection with that security.","date_sent_to_company":"2023-12-21T16:59:09.000Z","issue":"Improper use of your report","sub_product":"Checking account","zip_code":"71203","tags":"Servicemember","has_narrative":true,"complaint_id":"8044809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-21T16:33:02.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Every financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and protect the privacy and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>nonpublic</em> <em>personal</em> information. According to 15 U.S."]},"sort":[27.776089,"8044809"]},{"_index":"complaint-public-v1","_id":"8170548","_score":27.758074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. \nPer 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.","date_sent_to_company":"2024-01-18T02:17:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"8170548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-18T02:09:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its <em>customers</em> and to protect the <em>security</em> and <em>confidentiality</em> of <em>those</em> <em>customers</em> <em>non-public</em> <em>personal</em> information."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[27.758074,"8170548"]},{"_index":"complaint-public-v1","_id":"8170526","_score":27.748156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. \nPer 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.","date_sent_to_company":"2024-01-18T02:06:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"8170526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-01-18T01:55:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Per 15 USC 6801 it is policy of the congress that each financial institution has 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