Total complaints
91
Filed since ( f
2026 data Public-data reference. official source
before the time that such information is initially disclosed
91 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
91 consumer complaints filed with the CFPB
This profile shows before the time that such information is initially disclosed's complaint history from CFPB public records. 91 consumers have filed complaints since ( f . The company has a 0% timely response rate and has provided relief in 0% of cases.
91
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
27
States Active
( f
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
before the time that such information is initially disclosed complaint mix by product
- a financial 53 62.4% – 0% relief
- a financial 14 16.5% – 0% relief
- according to 5 5.9% – 0% relief
- 12 CFR 5 5.9% – 0% relief
- but they 4 4.7% – 0% relief
- B 3 3.5% – 0% relief
- therefor in 1 1.2% – 0% relief
How before the time that such information is initially disclosed's 91 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| a financial institution may not | 53 |
| a financial institution may not. directly or through any affiliate | 14 |
| according to the GrammLeachBliley Act | 5 |
| 12 CFR 1022.24 | 5 |
| but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that | 4 |
| B | 3 |
| therefor in violation of 15 U.S. Code 6802 Obligations with respect to disclosures of personal information clearly states a financial institution may not | 1 |
| XXXX do not have a contract with these companies please remove all accounts from my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I HAVE NOTICE THESE NAMES AND ADDRESSES DO NOT BELONG TO ME CAN YOU PLEASE UPDATE MY INFORMATION ON ALL MY CREDIT REPORT PROFILES. XXXX XXXX XXXX is my correct name please update on XXXX And experience XXXX XXXX XXXX is not me. This address is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate please remove from my profile i Noticed this account was not removed and this is a debt collector who purchase my information illegally | 1 |
| complaint | 1 |
| Experian continuously funrish consumer reports with inaccurate information. How can the infomation in the report be accurate if they need verify the information that they have with proof but there's never a verification process before furnishing consumer reports to obtain proof. This same effort that Experian puts into false reporting and violating federal law | 1 |
| A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus | 1 |
| XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) I XXXX XXXX XXXX | 1 |
| XXXX XXXX Living Injured XXXX XXXX XXXX XXXX UCC 1-308 All Rights Reserved Without Prejudice Memorandum of Law Privacy Act of 1974 b ) CONDITIONS OF DISCLOSURE No agency shall disclosed any record which is contained and a system of records by any means Of communication with any person | 1 |
Top States
| State | Complaints |
|---|---|
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. | 41 |
| to direct that such information not be disclosed to such third party | 14 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the coner can exercise that nondisclosure option. | 4 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Consumer : XXXX XXXX XXXX has denied my requests to opt out of the disputes in my Consumer Disclosure Report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ] | 3 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. You have damaged my reputation ; I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and REMOVE this Erroneous | 3 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception. This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution | 3 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT | 2 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 2 |
| to direct that such information not be disclosed to such third party.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,PA,19141,,Consent provided,Web,2023-08-09,Closed with explanation,Yes,N/A,7372932 | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Burns Auto Credit LLC - illegal charge me a down payment during consumer transaction 15 U.S. Code 1666b - Timing of payments ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge | 1 |
| to direct that such information not be disclosed to such third party.,,EQUIFAX | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.,,EQUIFAX | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( XXXX ) Exception. -- This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. See Exhibit B2 | 1 |
| to direct that such information not be disclosed to such third party.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. thanks UCC 1-308 without UCC 3-604 . Discharge by cancellation or renunciation. ( a ) A person entitled to enforce an instrument | 1 |
| to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception. -- This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution | 1 |
| to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. No such disclosure agreements exist and I was never presented the opportunity NOT to have my information disclosed to a third party | 1 |
| to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| disclose to a nonaffiliated third party any nonpublic personal information | 53 |
| unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-1 ( A ) such financial institution clearly and conspicuously discloses to the consumer | 14 |
| directly or through any affiliate | 5 |
| 16 CFR 313.7 | 5 |
| nor take out these loans with XXXX. They are reporting these accounts with on time payments | 3 |
| disclosure forms for XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXXXXXX account XXXX XXXX Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that that my non public personal information may be sent to a third party | 2 |
| disclosure forms for XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXXXXXX account number XXXX Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that that my non public personal information may be sent to a third party | 1 |
| XXXX XXXX XXXX : XXXX | 1 |
| Capital One has not ceased reporting inaccurate information to consumer reporting agencies. This constitutes a clear violation of Section 15 U.S.C. 6802 ( b ) of the FCRA | 1 |
| this is consumer fruad and identity theft. Section 604 ( 2 ) of the Fair Credit Reporting Act states that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. The FCRA prohibits ANY agency from furnishing a consumer report which may include credit information without written consent from the consumer in which it relates to. There is no signed disclosure which would make Experian guilty of consumer fraud and identity theft. Permissible Pupose is the ONLY way to make ANY consumer report that has been furnished lawful. Except as otherwise provided in 15 USC 6802 afinancial institutionmay not | 1 |
| disclose to a non affiliated third party any non public personal information | 1 |
| b | 1 |
| nor take out these loans with EdFinancial. They are reporting these accounts with on time payments | 1 |
| I do not have a contract with these companies please remove all accounts from my credit report XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ). I HAVE NOTICE THESE NAMES AND ADDRESSES DO NOT BELONG TO ME CAN YOU PLEASE UPDATE MY INFORMATION ON ALL MY CREDIT REPORT PROFILES. XXXX XXXX XXXX is my correct name please update on TransUnion And experience XXXX XXXX XXXX is not me. This address is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate please remove from my profile i Noticed this account was not removed and this is a debt collector who purchase my information illegally | 1 |
| except pursuant to a written request by | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About before the time that such information is initially disclosed
before the time that such information is initially disclosed has accumulated 91 consumer complaints in the CFPB public database, with filings active across 27 U.S. states. Of those submissions, 91 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to ( f , and the most recent logged activity is You delete, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, before the time that such information is initially disclosed reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "a financial institution may not", and the single most common underlying issue is "disclose to a nonaffiliated third party any nonpublic personal information".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating before the time that such information is initially disclosed: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does before the time that such information is initially disclosed have?
before the time that such information is initially disclosed has received 91 consumer complaints filed with the Consumer Financial Protection Bureau.
Does before the time that such information is initially disclosed respond to complaints on time?
before the time that such information is initially disclosed has a 0% timely response rate to CFPB complaints.
What is the most common complaint about before the time that such information is initially disclosed?
The most common issue reported against before the time that such information is initially disclosed is "disclose to a nonaffiliated third party any nonpublic personal information" in the "a financial institution may not" product category.
Read our methodology — how this data is sourced, computed, and verified.
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