BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1.XXXX Account XXXX : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX  Account Number : XXXX 4.XXXX Account Number : XXXX 5. XXXX Account Number : XXXX* 6. Account Number : XXXX 7. 42 U.S. Code 1320d Account Number : XXXX 8. 42 U.S. Code 1320d Account Number : XXXX 9. 42 U.S. Code 1320d Account Number : XXXX 10. 42 U.S. Code 1320d Account Number : XXXX 11. 42 U.S. Code 1320d Account Number : XXXX 12. 42 U.S. Code 1320d Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX charged off paid in full XXXXXXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me XXXX insufficient fund fees which are charged {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXXXXXX XXXX paid in full XXXX XXXX XXXX XXXX  charged off paid in full XXXX bank XXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1XXXX Account Number : XXXX 2.XXXX  Account Number : XXXX 3.XXXX XXXX  Account Number : XXXX 4XXXX Account Number : XXXX 5. XXXX Account XXXX : XXXX 6. Account Number : XXXX 7. 42 U.S. Code 1320d Account Number : XXXX 8. 42 U.S. Code 1320d Account Number : XXXX 9. 42 U.S. Code 1320d Account Number : XXXX 10. 42 U.S. Code 1320d Account Number : XXXX 11. 42 U.S. Code 1320d Account Number : XXXX 12. 42 U.S. Code 1320d Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with XXXX on XX/XX/2022. I deposited XXXX checks for a total of {$4600.00} and a XXXX deposit of {$2000.00} for a total deposit of {$6600.00}. I got the message there would be a hold on some of the checks. Then, in the mail on XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that they had flagged my account for fraud and closed my account. Enclosed was a check for {$2600.00} stating that was my total balance of funds available. I called Chase on XX/XX/2022 on the phone and after XXXX minutes of being transferred and given the run around was transferred to a voice recording, after being assured I was being transferred to a human. On XX/XX/2022 I went in person and worked with XXXX XXXX for approximately XXXX hours. Here I learned that ALL of the checks have been cashed and cleared by CHASE, so that I am unable to deposit these checks to my Bank XXXX XXXX account. Out of the XXXX checks, they were able to verify XXXX. However, XXXX is refusing to release the funds to me, because I was told they clumped all XXXX checks into XXXX FRAUD case. The checks are XXXX tenant checks, XXXX from XXXX XXXX, XXXX check from XXXX XXXX XXXX and XXXX from XXXX XXXX. At this point, Chase is holding {$4000.00} from me. The checks have cleared, and they have the money. Several of these checks have been verified. Yet, I was told CHASE will hold the entire amount, {$4000.00} for XXXX years or until ALL XXXX checks have been verified. And if Chase is unable to verify all XXXX checks? They will release the money to the state of XXXX in XXXX YEARS to the original check writer. Meanwhile, I can not collect XXXX rent checks, because the Tenant 's check has CLEARED. How is this legal? This is MY MONEY and they have cleared. If Chase suspected fraud, why did they cash the checks at all? They should have been rejected. I received XXXX notice of any issue for a brand new account. I have an XXXX credit score and opened a credit card at the same time as well as a business account. These accounts are operating. But, Chase is holding over XXXX XXXX dollars that I need to pay my mortgage and feed my family. Why is Chase able to cash the checks, so I now can not get re issued payment from the check writers, because the checks have cleared. If they have cleared, why is Chase illegally holding my money? I was told by the Chase employee it would have been better if it WAS fraud because I would fill out a form and be done with it. This is outright illegal and fraud on the part of Chase and I demand my {$4000.00} balance that is rightfully mine. See all attachments of supporting docs and cleared checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Incomm Holdings Inc.
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Card was locked and replacement issued, account flagged, but I was told even though the were certain I did not make the purchases, I could not be reimbursed because they had already delivered the product. 
Spoke with Customer Service, was told the card would be locked, and a new one issued. They said I should call the companies that sold the product for a refund. 

XXXX XXXX XXXX {$46.00}, XX/XX/23 {$41.00}, XX/XX/23 {$47.00}, XX/XX/23 {$34.00} {$3.00} Service charges. 
Handled by Customer Service Rep : XXXX. Card used flagged as fraud. 

XXXX XX/XX/23 {$77.00}, {$90.00}, XX/XX/23 {$0.00}. {$2.00} service charges. 
Spoke with Customer Service Rep : XXXX, she opened a service request : XXXX, and suggested I report the activity because the Debit Card company was responsible for returning my money.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ONLINE INFORMATION SERVI : OPENED XXXX XXXX, XXXX OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXXXXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( EXPERIAN ). 


XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX DATES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Collecting on debts that have been discharged through bankruptcy might not only violate the Consumer Financial Protection Act 's prohibition on unfair, deceptive, and abusive practicesit could also violate the order of a United States bankruptcy judge this includes student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The following charges were made to my Ally Bank credit card. I did not authorize these charges. Ally Bank states they are valid charges. I have disputed these charges with them several times. Ally Bank is not helpful in resolving this matter. Please help. Thank you. 

XXXX {$29.00} XX/XX/2023 XXXX  {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX  {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXXXXXX {$29.00} XX/XX/202XXXX XXXX XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXXXXXX  {$29.00} XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX # XXXX ======================================= UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ======================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Checking my consumer report I noticed that Experian released my non personal information to the following companies without my prior consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I expect these inquiries to be removed from my report immediately. As a consumer I have the right to privacy which you have a duty to keep my personal non public information private at all time, unless I the consumer give you consent. I did not authorize anyone from the companies listed above to make any inquiry or view my credit report, nor did I give Experian permission to furnish this fraudulent information to my credit report. Under 1681b ( c ) this is a violation which is fraudulent activity and a breach of my right to privacy. 
Please be aware that no consent is Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX Credit Card with account # XXXX, XXXX Credit Card with account # XXXX, XXXX Secured credit card with account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX Credit Card XXXX account # XXXX, Collection account from XXXXXXXX XXXX with account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX with account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX COUNTYS XXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX with account # XXXX, XXXXXXXX XXXX XXXX with account # XXXX, XXXX Secured credit card with account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, Collection account from XXXXXXXX XXXX XXXXXXXX account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX  with account # XXXX, XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX Unsecured loan with account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation