{"took":140,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":502,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6155763","_score":21.76561,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX  of the Federal Rule of Bankruptcy Procedure. \n\n\nRule XXXX of the XXXX XXXX of XXXX  XXXX went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.","date_sent_to_company":"2022-11-02T04:31:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6155763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-02T04:31:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX addresses privacy and <em>security</em> concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal <em>identification</em> information ( i.e., Social <em>Security</em> and taxpayer <em>identification</em> <em>numbers</em>, names of minor children, <em>financial</em> account <em>numbers</em>, and dates of birth ) from unsealed documents filed with the court, as well"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[21.76561,"6155763"]},{"_index":"complaint-public-v1","_id":"6155764","_score":21.707104,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX of the Federal Rule of Bankruptcy Procedure. \n\n\nXXXX XXXX  of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX  addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.","date_sent_to_company":"2022-11-02T04:31:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6155764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-02T04:31:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX  addresses privacy and <em>security</em> concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal <em>identification</em> information ( i.e., Social <em>Security</em> and taxpayer <em>identification</em> <em>numbers</em>, names of minor children, <em>financial</em> account <em>numbers</em>, and dates of birth ) from unsealed documents filed with the court, as"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[21.707104,"6155764"]},{"_index":"complaint-public-v1","_id":"6155828","_score":21.34283,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of 9037 of the Federal Rule of Bankruptcy Procedure.\n\nRule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.","date_sent_to_company":"2022-11-02T04:31:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6155828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-02T04:01:50.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and <em>security</em> concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> information ( i.e., Social <em>Security</em> and taxpayer <em>identification</em> <em>numbers</em>, names of minor children, <em>financial</em> account <em>numbers</em>, and dates of birth ) from unsealed documents filed with the court"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[21.34283,"6155828"]},{"_index":"complaint-public-v1","_id":"4868230","_score":19.979351,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told \" Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX from which Equifax has got this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.","date_sent_to_company":"2021-11-02T19:09:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"4868230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-02T19:04:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> information ( i.e., Social <em>Security</em> and taxpayer <em>identification</em> <em>numbers</em>, names of minor children, <em>financial</em> account <em>numbers</em>, and dates of birth ) from unsealed documents filed with the court, as well as <em>other</em> private or sensitive information identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[19.979351,"4868230"]},{"_index":"complaint-public-v1","_id":"4867615","_score":19.958698,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Transunion for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told \" Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX from which Transunion has gotten this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.","date_sent_to_company":"2021-11-02T17:38:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"4867615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-02T17:29:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> information ( i.e., Social <em>Security</em> and taxpayer <em>identification</em> <em>numbers</em>, names of minor children, <em>financial</em> account <em>numbers</em>, and dates of birth ) from unsealed documents filed with the court, as well as <em>other</em> private or sensitive information identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[19.958698,"4867615"]},{"_index":"complaint-public-v1","_id":"4867434","_score":19.922083,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told \" XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.","date_sent_to_company":"2021-11-02T17:29:07.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"4867434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-11-02T16:52:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> information ( i.e., Social <em>Security</em> and taxpayer <em>identification</em> <em>numbers</em>, names of minor children, <em>financial</em> account <em>numbers</em>, and dates of birth ) from unsealed documents filed with the court, as well as <em>other</em> private or sensitive information identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_product":["<em>Other</em> personal consumer report"]},"sort":[19.922083,"4867434"]},{"_index":"complaint-public-v1","_id":"10325770","_score":19.698122,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB, I am writing to raise an issue that Ive encountered across multiple financial institutions, including Capital One, XXXX XXXX, XXXX, and others, regarding the incorrect validation of my Individual Taxpayer Identification Number ( ITIN ). My ITIN ends in XXXX, and many banks are rejecting it as invalid during the application process for credit cards and other financial services. \n\nIt appears that these institutions are applying Social Security Number ( SSN ) validation rules to ITINs, which results in numbers ending in XXXX being treated as invalid. According to IRS guidelines, this should not be the case, as ITINs follow a different structure than SSNs and the final digits XXXX in an ITIN are valid. However, the systems of these banks continue to reject my number, preventing me from accessing essential financial services.","date_sent_to_company":"2024-10-02T15:42:08.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"10325770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-10-02T15:23:48.000Z","state":"NV","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Dear CFPB, I am writing to raise an issue that Ive encountered across multiple <em>financial</em> institutions, including Capital One, XXXX XXXX, XXXX, and <em>others</em>, regarding the incorrect validation of my Individual Taxpayer <em>Identification</em> Number ( ITIN ). My ITIN ends in XXXX, and many banks are rejecting it as invalid during the application process for credit cards and <em>other</em> <em>financial</em> services."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[19.698122,"10325770"]},{"_index":"complaint-public-v1","_id":"7284933","_score":18.607637,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this letter to formally lodge a complaint against Lexis Nexis Risk Solutions for reporting significantly inaccurate and erroneous information to my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nLexis Nexis Risk Solutions is responsible for providing consumer reports, including details of motor vehicle accidents, traffic tickets, personal identification information, and other relevant data. However, the information that has been associated with my report is profoundly incorrect and unrepresentative of my personal and driving records. \n\nTo outline the severity of this issue, the incorrect details on my consumer report include motor vehicle accidents that I have never been involved in or have any relation to, traffic tickets that I have never received, several incorrect names, addresses, Social Security numbers, identification numbers, and phone numbers that are not related to me in any capacity. \n\nThese gross inaccuracies have had serious implications on my financial health, personal reputation, and most importantly, my insurance premium with XXXX, which relies heavily on this data to determine my insurance rates. The incorrect data from Lexis Nexis has caused undue stress, financial burden, and has been a considerable inconvenience, as I am now tasked with correcting these errors ( my yearly insurance premium increased from ~ {$1400.00} to ~ {$3600.00} ). \n\nI have attempted to resolve this matter directly with Lexis Nexis Risk Solutions, but unfortunately, to no avail. Therefore, I am now seeking your assistance to investigate this issue and to require Lexis Nexis Risk Solutions to rectify the inaccuracies promptly.","date_sent_to_company":"2023-07-22T00:53:53.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"48035","tags":"Servicemember","has_narrative":true,"complaint_id":"7284933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-07-22T00:27:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To outline the severity of this issue, the incorrect details on my consumer report include motor vehicle accidents that I have never been involved in or have any relation to, traffic tickets that I have never received, several incorrect names, addresses, Social <em>Security</em> <em>numbers</em>, <em>identification</em> <em>numbers</em>, and phone <em>numbers</em> that are not related to me in any capacity."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_product":["<em>Other</em> personal consumer report"]},"sort":[18.607637,"7284933"]},{"_index":"complaint-public-v1","_id":"9874115","_score":17.96211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"on XX/XX/2024 i received a letter in the mail from Innovis saying it had obtained without my written permission my private non public information including my government issued social security card. when i was made aware of this i immediately called and i spoke with a supervisor named XXXX, i demanded that my non public private information be removed immediately and deleted from the Innovis data base. XXXX told me NO she will not remove my social security number or opt me out from Innovis database she said no multiple times, XXXX said she received my information from a creditor, yet refused to send provide me documentation or identify the supposed creditor. I told her i did not give Innovis permission or written instruction to use my social security number and i instructed her to removed all my non public information from the data base she continued to refused. This is identity theft and fraud. Innovis is knowingly violating my rights and committing identity Theft and fraud under Federal law according to 18 U.S.C. 1028.\n\nIdentity theft offenses occur when someone uses another 's personal information for economic gain or to take the identity of someone else. These federal offenses usually involve fraud, deception, false statements, or misrepresentations. In other words, someone steals another 's person 's identifying information, uses stolen identities, or copies information without consent.\n\nDid I give you written or any consent?\n\nIdentity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.\n\nDid i give you my social security number?\n\nInnovis is Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Innovis is Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; Innovis is Possessing with intent to use unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ) or false identification documents ( 18 U.S.C. 1028 ( a ) ( 3 ) ) ; Innovis is Possessing with intent to transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ) or false identification documents ( 18 U.S.C. 1028 ( a ) ( 3 ) ) ; Innovis is Possessing an identification document ( other than one issued lawfully for the use of the possessor ) or a false identification document with the intent such document be used to defraud the United States ( 18 U.S.C. 1028 ( a ) ( 4 ) ) ; Innovis is Possessing an identification document that is an identification document of the United States which is stolen, knowing that such document was stolen ( 18 U.S.C. 1028 ( a ) ( 6 ) ) ; Innovis is Possessing an identification document that appears to be an identification document of the United States, which was produced without authority knowing that such document was produced without authority ( 18 U.S.C. 1028 ( a ) ( 6 ) ) ; Innovis is Producing, transferring, or possessing a document-making implement with the intent that such document-making implement be used in the production of a false identification document ( 18 U.S.C. 1028 ( a ) ( 5 ) ) ; Innovis is Producing, transferring, or possessing a document-making implement with the intent that such document-making implement be used in the production of another document-making implement which will be used in the production of a false identification document ( 18 U.S.C. 1028 ( a ) ( 5 ) ) ; and Attempting to do any of the above ( 18 U.S.C. 1028 ( a ) ).\n\nI demand Innovis delete all my information from their database.","date_sent_to_company":"2024-08-22T00:26:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28110","tags":null,"has_narrative":true,"complaint_id":"9874115","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-08-21T23:39:14.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In <em>other</em> words, someone steals another 's person 's identifying information, uses stolen identities, or copies information without consent.\n\nDid I give you written or any consent?\n\nIdentity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or <em>financial</em>. Personal identifying information can include social <em>security</em> <em>numbers</em>, driver 's license number, credit card or bank account information, and PIN <em>numbers</em> obtained through the internet."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[17.96211,"9874115"]},{"_index":"complaint-public-v1","_id":"7095823","_score":17.791945,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against 1st Bank regarding the discriminatory treatment I experienced during my attempt to open a business account on XX/XX/2023. The incident occurred under the supervision of XXXX XXXX, who provided misleading information and exhibited discriminatory behavior. \n\nDuring my visit to the bank, XXXX XXXX assured me that there would be no credit check required to open a business account. I provided my Tax Identification Number ( TIN ) and other necessary documentation, including my Employer Identification Number ( EIN ), passport, and Articles of Organization. However, XXXX XXXX then demanded my Social Security Number ( SSN ), despite my attempts to educate her on the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ). \n\nAs per the CFPB guidelines, a Social Security Number is not mandatory for opening a checking or savings account. The bank or credit union is required to verify the customer 's name, date of birth, address, and ID number. An ID number can include an Individual Taxpayer Identification Number ( ITIN ) or other government-issued identification, such as a passport. I provided all the necessary documentation from the Internal Revenue Service ( IRS ) to validate my identity. \n\nTo my dismay, XXXX XXXX intervened in the process and insisted on seeing my physical Social Security card, claiming that the bank had reservations about the information I had provided. I promptly informed him that Social Security numbers are primarily used for tax purposes and not as a means of identification. I presented my passport and the IRS documents I had previously provided as further evidence of my identity and eligibility. \n\nI am deeply troubled by the discriminatory actions displayed by XXXX XXXX and XXXX XXXX during the account opening process. Their insistence on obtaining my Social Security Number, despite the availability of alternative forms of identification, demonstrates a lack of understanding of both federal regulations and the bank 's own policies. \n\nDiscrimination on the basis of identification requirements is not only unjust but also in violation of anti-discrimination laws. I expect 1st Bank to adhere to the principles of fairness, equality, and non-discrimination in all customer interactions. \n\nI kindly request a thorough investigation into this matter and appropriate action taken against those responsible for the discriminatory behavior. Furthermore, I demand a written apology from both XXXX XXXX and XXXX XXXX for their unprofessional conduct and the inconvenience caused. Additionally, I insist on immediate resolution, allowing me to open a business account in compliance with the applicable regulations and without further discrimination. \n\nI expect to receive a written response addressing my concerns within [ reasonable time frame, e.g., 14 days ] from the date of receipt of this letter. Failure to provide a satisfactory resolution may result in further escalation of this complaint to regulatory authorities and other appropriate channels. \n\nI trust that 1st Bank takes customer satisfaction and fair practices seriously. I look forward to a swift resolution of this matter and the restoration of trust in your institution.","date_sent_to_company":"2023-06-09T19:35:25.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"80010","tags":null,"has_narrative":true,"complaint_id":"7095823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRSTBANK","date_received":"2023-06-09T18:47:38.000Z","state":"CO","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I provided my Tax <em>Identification</em> Number ( TIN ) and <em>other</em> necessary documentation, including my Employer <em>Identification</em> Number ( EIN ), passport, and Articles of Organization. However, XXXX XXXX then demanded my Social <em>Security</em> Number ( SSN ), despite my attempts to educate her on the guidelines set forth by the Consumer <em>Financial</em> Protection Bureau ( CFPB ). \n\nAs per the CFPB guidelines, a Social <em>Security</em> Number is not mandatory for opening a checking or savings account."]},"sort":[17.791945,"7095823"]},{"_index":"complaint-public-v1","_id":"2265821","_score":16.931826,"_source":{"product":"Bank account or service","complaint_what_happened":"This letter is to follow up on our recent contact with you earlier this month. As we explained, we have been the victims of identity theft. It recently came to our attention that our names, home and business addresses, dates of birth and social security numbers have been used to open savings and checking accounts and to obtain pre-paid debit cards. \n\nSpecifically, in 2016 our personal information was used to open a checking account at Capital One 360. Of note, this occurred without Capital One performing a credit check with any of the XXXX credit reporting agencies, and fraudulent email addresses and phone numbers were provided and not checked for validity. We believe these are egregious practices. We have spoken with Capital One, who has reportedly closed the account. \n\nWe are informing you of this so that any further activity using our names and numbers without our knowledge or consent should be considered part of that identity breach. Further, we have requested that our financial institutions inform us of any activity using our names and other identifying information prior to completing any fund transfers, opening new accounts or any other financial activities. \n\nWe are reaching out to you with this letter on advice of our legal counsel and the Oregon Attorney General 's office, and as one of several law enforcement-recommended actions. We have already notified the XXXX credit reporting agencies and our other financial institutions. We have filed official reports with our local law enforcement agencies and the Federal Trade Commission. \n\nOur goal is to be proactive in protecting ourselves, as well as to assist our financial institutions, law enforcement and legislators to address an apparent gap in this vulnerable system that needs immediate repair. We would like you to work with us to help stop this fraudulent activity. For instance, we believe that all banking institutions should be required to perform and document a formal credit check, as a matter of legal record, in order to open a new account of any kind and to double check the validity of email and phone information provided. \n\nThe Oregon Attorney General 's office has advised us to be in constant contact with our financial institutions as we do our part to monitor this situation closely. Needless to say, the more cooperation there is between stakeholders, the more likely criminal behavior such as this can be dealt with effectively toward a just resolution. We have requested that our accounts have a notation documenting this identity breach. We have changed our passwords, added an additional security \" code word '' and initiated Voice Print identification to our accounts. \n\nAny further suggestions for additional actions we can take toward protecting ourselves would be appreciated. \n\nThank you so much for your good work.","date_sent_to_company":"2016-12-29T00:10:30.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"97225","tags":"Older American","has_narrative":true,"complaint_id":"2265821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-12-29T00:10:30.000Z","state":"OR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We have changed our passwords, added an additional <em>security</em> \" code word '' and initiated Voice Print <em>identification</em> to our accounts. \n\nAny further suggestions for additional actions we can take toward protecting ourselves would be appreciated. \n\nThank you so much for your good work."],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[16.931826,"2265821"]},{"_index":"complaint-public-v1","_id":"2937871","_score":16.750341,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate of Complaint number : XXXX as the date ( s ) of occurrence ate different occurring between XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX to present as in complaint XXXX. \nProduct : Mortgage Issue : Improper use of your report Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports for unlawful purposes after foreclosure processes had been initiated. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/XXXX and XX/XX/XXXX. \nWhat would be a fair resolution to this issue? \nCredit report corrections and other related updates, changes and correction such as new identification numbers as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture identification, new social security number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well.","date_sent_to_company":"2018-06-16T11:51:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92101","tags":null,"has_narrative":true,"complaint_id":"2937871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-06-16T11:43:26.000Z","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":["Credit report corrections and <em>other</em> related updates, changes and correction such as new <em>identification</em> <em>numbers</em> as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture <em>identification</em>, new social <em>security</em> number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[16.750341,"2937871"]},{"_index":"complaint-public-v1","_id":"16322356","_score":16.425167,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Regarding Discrimination at XXXX XXXX Dear PNC Bank Customer Relations, On XXXX, I visited the XXXX XXXXPNC Bank branch to open a checking account. I provided all required documents, including my valid state ID, Social Security Number, and drivers license. The staff asked me about my refugee status, and when I explained that I am a refugee/asylee, the branch manager refused to allow me to open an account.\n\nThis decision is discriminatory and violates federal banking regulations. Refugees and non-citizens are legally allowed to open bank accounts in the United States with valid identification and Social Security Numbers. In fact, I know other customers in my situation who have successfully opened accounts at other PNC branches. \n\nThe treatment I received was unacceptable, caused me humiliation, wasted my time, and constitutes discrimination based on immigration status. \n\nI request the following : 1. A formal investigation into this incident and the employees involved.\n\n2. Written confirmation that PNC Bank does not discriminate against refugees and non-citizens.\n\n3. Assistance in immediately opening a bank account, as I have the full legal right to do so.\n\nIf I do not receive a satisfactory response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ).\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX  XXXX Your Phone Number & Email XXXX XXXX XXXX","date_sent_to_company":"2025-10-02T19:30:46.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"15236","tags":null,"has_narrative":true,"complaint_id":"16322356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2025-10-02T19:17:16.000Z","state":"PA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I provided all required documents, including my valid state ID, Social <em>Security</em> Number, and drivers license. The staff asked me about my refugee status, and when I explained that I am a refugee/asylee, the branch manager refused to allow me to open an account.\n\nThis decision is discriminatory and violates federal banking regulations. Refugees and non-citizens are legally allowed to open bank accounts in the United States with valid <em>identification</em> and Social <em>Security</em> <em>Numbers</em>."],"issue":["<em>Other</em> features, terms, or problems"],"sub_issue":["<em>Other</em> problem"]},"sort":[16.425167,"16322356"]},{"_index":"complaint-public-v1","_id":"7822358","_score":15.848321,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), Re : GM Financial I am writing to you to make a complaint against GM Financial ; My complaint pertains to their handling of my vehicle financing ( Acct number XXXX ) which as per the XXXX XXXX XXXX has raised concerns of potential violations with security frauds and tax evasion. \n\nMy promissory note and certificate of indebtedness was securitized by this company, they also received a CUSIP number and engaged in trading activities on the secondary market. GM Financial has also failed to provide my lawful 80 % of the proceeds from the securitization of my note on the secondary market. I previously sent GM Financial ( XXXX ) XXXX XXXX XXXX a rescission notice that referenced ANY and All Security agreements with GM Financial. The notice was delivered on XX/XX/XXXX, XXXXXXXX XXXX via Certified mail # XXXX XXXX XXXX XXXX XXXX. \n\nGM Financial continually fails to set-off the debt of the said note above, subsequently to the above I sent a registered security to both : GM Financial XXXX Delivered to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX via XXXX GM Financial ( indenture trustee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX via XXXX GM Financial continues to request that I pay back the interest they borrowed for the US Treasury. I am writing to bring your attention to the compelling evidence brought to my attention via a Forensic Loan Securitization Analysis Report that substantiates the presence of Securities Fraud related to my auto loans. The evidence at hand not only highlights the existence of irregularities by the Employment of Manipulative and Deceptive Practices but also underscores the need for a thorough investigation and resolution of this matter. \n\nCUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform Securities Identification Procedures ) number associated with my auto loans. CUSIP numbers are unique identifiers used in the securities industry to track financial instruments, including securities. The fact that my auto loan has an associated CUSIP number strongly suggests that it has been securitized, implying that it may have been bundled with other auto loans and sold as a financial product to investors. This is a key indicator of securities fraud when such securitization is not properly disclosed. \n\nMy auto loan was not handled in accordance with the law, leading to a breach of my rights as a borrower and potential harm to investors. Despite the clear indications that the notes are being sold or transferred, given the nature of the situation I have reason to believe that these transactions are not being reported to the U.S. Securities and Exchange Commission ( SEC ). The failure to report these transactions raises questions about compliance with the regulatory framework established to govern the securities industry. When financial instruments, including auto loan notes, are transferred, it is essential that such transactions be accurately and promptly reported to the SEC. This reporting is a fundamental requirement. Given the circumstances, it raises suspicions that any non-disclosure or failure to report may not merely be a matter of oversight, but rather a calculated maneuver to evade regulatory scrutiny. \n\nGM Financial unauthorized sale of securities alone, conducted without the clear and informed consent of the rightful owner, unequivocally amounts to a severe violation of securities laws and regulations. It represents a blatant disregard for investor protection, and it flagrantly undermines the very core of securities markets. The perpetration of such a violation leaves no room for ambiguitythis is an undeniable breach of securities law and a clear case of securities fraud. Upholding the principles of securities law, safeguarding ownership rights, and ensuring investor interests are paramount in addressing this egregious misconduct. \n\nI have reason to believe that GM Financial is channeling my funds to service the interest on securities associated with my auto loan note, securities actively traded on the secondary market. This raises profound ethical and legal concerns, particularly when the auto loan debt is, in fact, fully discharged. This situation underscores the pressing need for transparency, legal remedies, and accountability. The borrower, unwittingly ensnared in this labyrinthine web, deserves nothing less than complete disclosure and resolution of this intricate and deeply concerning financial matter. \n\nGM Financial seeks total return by investing in investment grade auto loan-backed securities or unrated auto loan-backed securities ( ABS ) which the adviser determines to be of comparable quality. \n\nThe issuance of auto loan-backed securities without the borrower's/investors knowledge or the creation of a CUSIP number without proper disclosure constitutes fraud. Here 's how it works : Securities Laws : Securities laws i.e Securities XXXX of 1933, and Securities and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors. If auto loan-backed securities issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws. \n\nLack of XXXX : In securities markets, transparency and full disclosure are paramount. When car owners take out auto loans, they generally enter into agreements with their lenders. If their auto loans or notes are later bundled into auto loan-backed securities and traded as securities, the car owner should be made aware of this process and the potential risks involved. Failure to provide this information is considered fraudulent concealment. \n\nMisrepresentation : If the creation of ( ABS ) and the assignment of CUSIP numbers are not properly disclosed to borrowers, it is misrepresentation and omission of material information. Borrowers have the right to know how their auto loan contracts XXXX be affected by securitization. \n\nRisks for XXXX : The lack of disclosure and transparency in the securitization process can create risks for investors, including mutual funds, who invest in ( ABS ). If the underlying securities are subject to legal challenges due to non-disclosure or misrepresentation, it can lead to financial losses and damage to the reputation of the investors. \n\nIn summary, if borrowers/investors are not aware of the securitization of their auto loans and the assignment of CUSIP numbers to the related securities, it constitutes fraud due to non-disclosure and misrepresentation. Borrowers ( which are actually the investors ) have a right to know how their auto loan agreements are being packaged as securities and traded. Such non-disclosure can lead to legal consequences for the parties involved and pose risks for investors in these securities, such as the borrowers themselves or mutual funds.","date_sent_to_company":"2023-11-09T04:20:37.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"7822358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2023-11-09T03:56:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["CUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform <em>Securities</em> <em>Identification</em> Procedures ) number associated with my auto loans. CUSIP <em>numbers</em> are unique identifiers used in the <em>securities</em> industry to track <em>financial</em> instruments, including <em>securities</em>."],"company":["General Motors <em>Financial</em> Company, Inc."]},"sort":[15.848321,"7822358"]},{"_index":"complaint-public-v1","_id":"9907827","_score":15.807455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. \n15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.\n\nB ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( Axcess Financial ) XXXX XXXX","date_sent_to_company":"2024-08-24T20:38:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63011","tags":null,"has_narrative":true,"complaint_id":"9907827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2024-08-24T20:29:50.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Felony violations-If someone knowingly uses, possesses, or transfers another person 's <em>identification</em> in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social <em>security</em> <em>numbers</em>, driver 's licenses, and more."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"company":["CNG <em>FINANCIAL</em> CORPORATION"]},"sort":[15.807455,"9907827"]},{"_index":"complaint-public-v1","_id":"2699951","_score":15.58033,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. \n\nXXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX XXXX","date_sent_to_company":"2017-11-29T21:09:31.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"40515","tags":null,"has_narrative":true,"complaint_id":"2699951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-12T23:31:34.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social <em>security</em> <em>numbers</em>, date of births, <em>financial</em> accounts, credit/debit card <em>numbers</em>, drivers license <em>numbers</em>, <em>identification</em> number, detailed health or medical history or any <em>other</em> similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_product":["<em>Other</em> personal consumer report"]},"sort":[15.58033,"2699951"]},{"_index":"complaint-public-v1","_id":"13468973","_score":15.431511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A \" data breach '' is when an unauthorized person illegally accesses your confidential, personal, or protected information. Exactly what is considered personal information depends on state law but usually includes your full name along with one or more of the following pieces of information : your Social Security number your driver 's license number or state-issued identification card number a credit or debit card number or an account number, including, in some cases, a security code, access code, password, or personal identification number ( PIN ) your email address and password, or your medical or biometric information.\n\nWhy Hackers Want Your Personal Information Hackers often use stolen personal data for identity theft. With your personal information, a hacker can get new credit cards under your name ( or use ones you already have ), apply for loans in your name, or commit other kinds of financial fraud.\n\nThey can also impersonate you online, apply for government benefits, or file taxes and get a refund in your name. In some cases, a hacker might use your personal information to blackmail you.\n\nMassive Data Breach Puts 2.9 Billion Records, Including Social Security Numbers, on the Dark Web In XX/XX/XXXX, it was revealed that 2.9 billion records, including Social Security numbers, names, addresses, email addresses, and phone numbers, were illegally accessed in a data breach of XXXX XXXX XXXX ( a consumer data aggregator that assists companies in performing background checks ). The company has confirmed that hackers stole encrypted information and have released most of it on the dark web. This breach is one of the largest, if not the largest, data hack ever. \n\nThe cybersecurity firm XXXX said it obtained the data and created a tool you can use to determine if your information was included in the breach. If your information was stolen, be sure to put a credit freeze ( see below ) on your files with all three credit reporting bureausEquifax, Experian, and Transunion. You should also monitor your financial accounts for unusual activity, use two-factor authentication, be wary of unexpected communications, and update your passwords. \n\nIf you think an identity thief is using your confidential information, go to the Federal Trade Commission 's IdentityTheft.gov website and get a personal recovery plan.\n\nLegal Obligations of Businesses to Protect Customer Data In the United States, federal and state laws govern how companies must protect personal data. \n\nFederal Laws Covering Data Breaches A few of the federal laws covering this area include : The Gramm-Leach-Bliley Act, which protects your personal financial information. \nThe Fair Credit Reporting Act ( FCRA ), which governs credit data and regulates how information in your credit reports can be used and accessed. \nThe Health Insurance Portability and Accountability Act ( HIPAA ), which protects private health information.\n\nThe U.S. Privacy Act of 1974, which governs the collection, maintenance, use, and dissemination of information about individuals that federal agencies keep in their records.\n\nThe Federal Trade Commission Act, which requires that companies making privacy promises ( expressly or by implication ) comply with to those claims State Data Breach Laws All 50 states and the District of Columbia have data breach laws to protect consumers. These laws generally require organizations to notify you if a data breach involving specific personal identifying information happens. ( Some states also require companies to notify the state attorney general or a state agency after a breach. ) To get a summary of these notification laws, go to the XXXX XXXX XXXX XXXX XXXX website.","date_sent_to_company":"2025-05-12T18:21:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"13468973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-12T18:21:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Massive Data Breach Puts 2.9 Billion Records, Including Social <em>Security</em> <em>Numbers</em>, on the Dark Web In XX/XX/XXXX, it was revealed that 2.9 billion records, including Social <em>Security</em> <em>numbers</em>, names, addresses, email addresses, and phone <em>numbers</em>, were illegally accessed in a data breach of XXXX XXXX XXXX ( a consumer data aggregator that assists companies in performing background checks )."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[15.431511,"13468973"]},{"_index":"complaint-public-v1","_id":"13469398","_score":15.423347,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A \" data breach '' is when an unauthorized person illegally accesses your confidential, personal, or protected information. Exactly what is considered personal information depends on state law but usually includes your full name along with one or more of the following pieces of information : your Social Security number your driver 's license number or state-issued identification card number a credit or debit card number or an account number, including, in some cases, a security code, access code, password, or personal identification number ( PIN ) your email address and password, or your medical or biometric information.\n\nWhy Hackers Want Your Personal Information Hackers often use stolen personal data for identity theft. With your personal information, a hacker can get new credit cards under your name ( or use ones you already have ), apply for loans in your name, or commit other kinds of financial fraud.\n\nThey can also impersonate you online, apply for government benefits, or file taxes and get a refund in your name. In some cases, a hacker might use your personal information to blackmail you.\n\nMassive Data Breach Puts 2.9 Billion Records, Including Social Security Numbers, on the Dark Web In XX/XX/XXXX, it was revealed that 2.9 billion records, including Social Security numbers, names, addresses, email addresses, and phone numbers, were illegally accessed in a data breach of XXXX XXXX XXXX ( a consumer data aggregator that assists companies in performing background checks ). The company has confirmed that hackers stole encrypted information and have released most of it on the dark web. This breach is one of the largest, if not the largest, data hack ever. \n\nThe cybersecurity firm XXXX said it obtained the data and created a tool you can use to determine if your information was included in the breach. If your information was stolen, be sure to put a credit freeze ( see below ) on your files with all three credit reporting bureausEquifax, Experian, and Transunion. You should also monitor your financial accounts for unusual activity, use two-factor authentication, be wary of unexpected communications, and update your passwords. \n\nIf you think an identity thief is using your confidential information, go to the Federal Trade Commission 's IdentityTheft.gov website and get a personal recovery plan.\n\nLegal Obligations of Businesses to Protect Customer Data In the United States, federal and state laws govern how companies must protect personal data. \n\nFederal Laws Covering Data Breaches A few of the federal laws covering this area include : The Gramm-Leach-Bliley Act, which protects your personal financial information. \nThe Fair Credit Reporting Act ( FCRA ), which governs credit data and regulates how information in your credit reports can be used and accessed. \nThe Health Insurance Portability and Accountability Act ( HIPAA ), which protects private health information.\n\nThe U.S. Privacy Act of 1974, which governs the collection, maintenance, use, and dissemination of information about individuals that federal agencies keep in their records.\n\nThe Federal Trade Commission Act, which requires that companies making privacy promises ( expressly or by implication ) comply with to those claims State Data Breach Laws All 50 states and the District of Columbia have data breach laws to protect consumers. These laws generally require organizations to notify you if a data breach involving specific personal identifying information happens. ( Some states also require companies to notify the state attorney general or a state agency after a breach. ) To get a summary of these notification laws, go to the XXXX XXXX XXXX XXXX XXXX website.","date_sent_to_company":"2025-05-12T18:21:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"13469398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-12T17:31:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Massive Data Breach Puts 2.9 Billion Records, Including Social <em>Security</em> <em>Numbers</em>, on the Dark Web In XX/XX/XXXX, it was revealed that 2.9 billion records, including Social <em>Security</em> <em>numbers</em>, names, addresses, email addresses, and phone <em>numbers</em>, were illegally accessed in a data breach of XXXX XXXX XXXX ( a consumer data aggregator that assists companies in performing background checks )."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[15.423347,"13469398"]},{"_index":"complaint-public-v1","_id":"13474346","_score":15.421277,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A \" data breach '' is when an unauthorized person illegally accesses your confidential, personal, or protected information. Exactly what is considered personal information depends on state law but usually includes your full name along with one or more of the following pieces of information : your Social Security number your driver 's license number or state-issued identification card number a credit or debit card number or an account number, including, in some cases, a security code, access code, password, or personal identification number ( PIN ) your email address and password, or your medical or biometric information.\n\nWhy Hackers Want Your Personal Information Hackers often use stolen personal data for identity theft. With your personal information, a hacker can get new credit cards under your name ( or use ones you already have ), apply for loans in your name, or commit other kinds of financial fraud.\n\nThey can also impersonate you online, apply for government benefits, or file taxes and get a refund in your name. In some cases, a hacker might use your personal information to blackmail you.\n\nMassive Data Breach Puts 2.9 Billion Records, Including Social Security Numbers, on the Dark Web In XX/XX/XXXX, it was revealed that 2.9 billion records, including Social Security numbers, names, addresses, email addresses, and phone numbers, were illegally accessed in a data breach of XXXX XXXX XXXX ( a consumer data aggregator that assists companies in performing background checks ). The company has confirmed that hackers stole encrypted information and have released most of it on the dark web. This breach is one of the largest, if not the largest, data hack ever. \n\nThe cybersecurity firm XXXX said it obtained the data and created a tool you can use to determine if your information was included in the breach. If your information was stolen, be sure to put a credit freeze ( see below ) on your files with all three credit reporting bureausEquifax, Experian, and Transunion. You should also monitor your financial accounts for unusual activity, use two-factor authentication, be wary of unexpected communications, and update your passwords. \n\nIf you think an identity thief is using your confidential information, go to the Federal Trade Commission 's IdentityTheft.gov website and get a personal recovery plan.\n\nLegal Obligations of Businesses to Protect Customer Data In the United States, federal and state laws govern how companies must protect personal data. \n\nFederal Laws Covering Data Breaches A few of the federal laws covering this area include : The Gramm-Leach-Bliley Act, which protects your personal financial information. \nThe Fair Credit Reporting Act ( FCRA ), which governs credit data and regulates how information in your credit reports can be used and accessed. \nThe Health Insurance Portability and Accountability Act ( HIPAA ), which protects private health information.\n\nThe U.S. Privacy Act of 1974, which governs the collection, maintenance, use, and dissemination of information about individuals that federal agencies keep in their records.\n\nThe Federal Trade Commission Act, which requires that companies making privacy promises ( expressly or by implication ) comply with to those claims State Data Breach Laws All 50 states and the District of Columbia have data breach laws to protect consumers. These laws generally require organizations to notify you if a data breach involving specific personal identifying information happens. ( Some states also require companies to notify the state attorney general or a state agency after a breach. ) To get a summary of these notification laws, go to the XXXX XXXX XXXX XXXX XXXX website.","date_sent_to_company":"2025-05-12T18:21:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"13474346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-12T18:21:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Massive Data Breach Puts 2.9 Billion Records, Including Social <em>Security</em> <em>Numbers</em>, on the Dark Web In XX/XX/XXXX, it was revealed that 2.9 billion records, including Social <em>Security</em> <em>numbers</em>, names, addresses, email addresses, and phone <em>numbers</em>, were illegally accessed in a data breach of XXXX XXXX XXXX ( a consumer data aggregator that assists companies in performing background checks )."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[15.421277,"13474346"]},{"_index":"complaint-public-v1","_id":"6647575","_score":15.3854265,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This is not a duplicate complaint and has been submitted by me, the consumer. please see attached identification for verification purposes. \nOn or about XX/XX/2023, XXXX XXXX noticed a suspicious and deceptive item listed on 3 consumer reports ( see attached reports ). XXXX XXXX mailed CAPITAL ONE a letter exercising rights to opt out of having information shared with third parties ( see attached Notice of Opt out ). CAPITAL ONE received this Notice on XX/XX/2023, ( see attached confirmation ). CAPITAL ONE has failed to respond to XXXX XXXX Notice of Opt-Out. Effective on the date of delivery, CAPITAL ONE shall no longer share any of the following ( ( as established by the PRIVACY RULE ( see attached ) ) pertaining to XXXX XXXX : 1. Name, Address, Income, Social Security number, or other information on an application bearing XXXX XXXX as a party. 2. Any information you received about XXXX XXXX from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that XXXX XXXX is your consumer or customer, current account status, account numbers, payment history, balances, and credit card purchases ). 3. Any information you received about XXXX XXXX in connection with providing a financial product or service ( for example, information from court records or from a consumer report ).","date_sent_to_company":"2023-03-04T22:13:42.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"28311","tags":null,"has_narrative":true,"complaint_id":"6647575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-04T21:40:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["Name, Address, Income, Social <em>Security</em> number, or <em>other</em> information on an application bearing XXXX XXXX as a party. 2. Any information you received about XXXX XXXX from a transaction involving your <em>financial</em> product ( s ) or service ( s ) ( for example, the fact that XXXX XXXX is your consumer or customer, current account status, account <em>numbers</em>, payment history, balances, and credit card purchases ). 3."],"issue":["<em>Other</em> features, terms, or problems"],"company":["CAPITAL ONE <em>FINANCIAL</em> CORPORATION"]},"sort":[15.3854265,"6647575"]},{"_index":"complaint-public-v1","_id":"9911584","_score":15.373474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.\n\nB ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX ) XXXX XXXX","date_sent_to_company":"2024-08-24T20:38:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63011","tags":null,"has_narrative":true,"complaint_id":"9911584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-24T20:38:30.000Z","state":"MO","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":["Felony violations-If someone knowingly uses, possesses, or transfers another person 's <em>identification</em> in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social <em>security</em> <em>numbers</em>, driver 's licenses, and more."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[15.373474,"9911584"]},{"_index":"complaint-public-v1","_id":"9907931","_score":15.338709,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.\n\n15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.\n\nB ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX ) XXXX XXXX","date_sent_to_company":"2024-08-24T20:38:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63011","tags":null,"has_narrative":true,"complaint_id":"9907931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-24T20:38:30.000Z","state":"MO","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":["Felony violations-If someone knowingly uses, possesses, or transfers another person 's <em>identification</em> in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social <em>security</em> <em>numbers</em>, driver 's licenses, and more."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[15.338709,"9907931"]},{"_index":"complaint-public-v1","_id":"14779731","_score":15.199688,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"For over three years, I have been attempting to update my legal name on my Cash App account, following a legal name change that occurred in 2022. Despite my consistent efforts and full compliance with Cash App 's stated policies, my legal name has not been corrected, and my support cases are repeatedly closed without resolution.\n\nUpon my legal name change in 2022, I promptly initiated contact with Cash App customer support to update my account information. As per their requirements, I submitted all requested personal and private legal documents, including : Clear images ( front and back ) of my current, government-issued identification reflecting my new legal name.\n\nA selfie holding my new government-issued ID.\n\nOfficial legal name change documentation from the Social Security Administration, verifying my new legal identity.\n\nI have engaged with Cash App support on numerous occasions over the past three years. Each time, I meticulously provided the requested documentation. However, in every instance, the support cases have been closed without my legal name being updated on my account, and without a clear explanation for their failure to do so. I have an extensive record of these communications, including dates and case numbers, which I can provide as supporting documentation. \nCrucially, within the Cash App application itself, my identity is stated as \" verified. '' The app explicitly tells me that my information and identification have been confirmed, indicating that Cash App has successfully processed and accepted the very documents that confirm my current legal name. Their continued failure to update my name despite this internal verification is a direct contradiction of their own policies and the purpose of identity verification for a financial service.\n\nThis situation has caused significant stress and concern. I have submitted highly sensitive, private legal documents to Cash App, and I have no transparency regarding where these documents are stored, how they are being used, or why they have not resulted in the necessary update. This raises serious questions about data security and the proper handling of my personal information by Cash App. Furthermore, having an incorrect legal name on a financial service account can lead to issues with tax reporting ( e.g., 1099-K forms ) and other future financial discrepancies.","date_sent_to_company":"2025-07-21T13:42:38.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"208XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14779731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-07-21T11:50:19.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This raises serious questions about data <em>security</em> and the proper handling of my personal information by Cash App. Furthermore, having an incorrect legal name on a <em>financial</em> service account can lead to issues with tax reporting ( e.g., 1099-K forms ) and <em>other</em> future <em>financial</em> discrepancies."]},"sort":[15.199688,"14779731"]},{"_index":"complaint-public-v1","_id":"7821995","_score":15.099575,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), Re : Toyota Motor Credit Corporation I am writing to you to make a complaint against Toyota Motor Credit Corporation ; My complaint pertains to their handling of my vehicle ( XXXX ) financing ( Acct numbers ending in 6157 & 5989 ) which as per the security exchange act has raised concerns of potential violations with security frauds and tax evasion. \n\nMy promissory note and certificate of indebtedness was securitized by this company, they also received a CUSIP number and engaged in trading activities on the secondary market. Toyota Motor Credit Corporation has also failed to provide my lawful 80 % of the proceeds from the securitization of my note on the secondary market. I previously sent Toyota Financial ( XXXX ) XXXX XXXX a rescission notice that referenced ANY and All Security agreements with Toyota Motor Credit Corporation. The notice was delivered on XXXX XXXX XXXX XXXX XXXX via Certified mail # XXXX XXXX XXXX XXXX XXXX. \n\nToyota Motor Credit Corporation continually fails to set-off the debt of the said note above, subsequently to the above I sent a registered security to both : Toyota Motor Credit Corporation - Delivered to XXXX XXXX XXXX XXXX and XXXX on XXXX XXXX XXXX XXXX via XXXX Toyota Motor Credit Corporation ( indenture trustee ) XXXX XXXX XXXX -Delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Toyota Motor Credit Corporation continues to request that I pay back the interest they borrowed for the US Treasury and have even hurt my ability to obtain credit by placing a charge off on my credit report ( charge offs are considered income so how can income be reported on my credit? ) I am writing to bring your attention to the compelling evidence brought to my attention via a Forensic Loan Securitization Analysis Report that substantiates the presence of Securities Fraud related to my auto loans. The evidence at hand not only highlights the existence of irregularities by the Employment of Manipulative and Deceptive Practices but also underscores the need for a thorough investigation and resolution of this matter. \n\nCUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform Securities Identification Procedures ) number associated with my auto loans. CUSIP numbers are unique identifiers used in the securities industry to track financial instruments, including securities. The fact that my auto loan ( XXXX ) has an associated CUSIP number strongly suggests that it has been securitized, implying that it may have been bundled with other auto loans and sold as a financial product to investors. This is a key indicator of securities fraud when such securitization is not properly disclosed. \n\nMy auto loan ( XXXX ) were not handled in accordance with the law, leading to a breach of my rights as a borrower and potential harm to investors. Despite the clear indications that the note ( XXXX ) are being sold or transferred, given the nature of the situation I have reason to believe that these transactions are not being reported to the U.S. Securities and Exchange Commission ( SEC ). The failure to report these transactions raises questions about compliance with the regulatory framework established to govern the securities industry. When financial instruments, including auto loan notes, are transferred, it is essential that such transactions be accurately and promptly reported to the SEC. This reporting is a fundamental requirement. Given the circumstances, it raises suspicions that any non-disclosure or failure to report may not merely be a matter of oversight, but rather a calculated maneuver to evade regulatory scrutiny. \n\nToyota Motor Credit Corporation unauthorized sale of securities alone, conducted without the clear and informed consent of the rightful owner, unequivocally amounts to a severe violation of securities laws and regulations. It represents a blatant disregard for investor protection, and it flagrantly undermines the very core of securities markets. The perpetration of such a violation leaves no room for ambiguitythis is an undeniable breach of securities law and a clear case of securities fraud. Upholding the principles of securities law, safeguarding ownership rights, and ensuring investor interests are paramount in addressing this egregious misconduct. \n\nI have reason to believe that Toyota Motor Credit Corporation is channeling my funds to service the interest on securities associated with my auto loan note ( XXXX ), securities actively traded on the secondary market. This raises profound ethical and legal concerns, particularly when the auto loan debt is, in fact, fully discharged. This situation underscores the pressing need for transparency, legal remedies, and accountability. The borrower, unwittingly ensnared in this labyrinthine web, deserves nothing less than complete disclosure and resolution of this intricate and deeply concerning financial matter. \n\nToyota Motor Credit Corporation seeks total return by investing in investment grade auto loan-backed securities or unrated auto loan-backed securities ( XXXX ) which the adviser determines to be of comparable quality. \n\nThe issuance of auto loan-backed securities without the borrower's/investors knowledge or the creation of a CUSIP number without proper disclosure constitutes fraud. Here 's how it works : Securities Laws : Securities laws i.e Securities Act of 1933, and Securities and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors. If auto loan-backed securities issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws. \n\nLack of Disclosure : In securities markets, transparency and full disclosure are paramount. When car owners take out auto loans, they generally enter into agreements with their lenders. If their auto loans or notes are later bundled into auto loan-backed securities and traded as securities, the car owner should be made aware of this process and the potential risks involved. Failure to provide this information is considered fraudulent concealment. \n\nMisrepresentation : If the creation of ( ABS ) and the assignment of CUSIP numbers are not properly disclosed to borrowers, it is misrepresentation and omission of material information. Borrowers have the right to know how their auto loan contracts may be affected by securitization.\n\nRisks for Investors : The lack of disclosure and transparency in the securitization process can create risks for investors, including mutual funds, who invest in ( ABS ). If the underlying securities are subject to legal challenges due to non-disclosure or misrepresentation, it can lead to financial losses and damage to the reputation of the investors. \n\nIn summary, if borrowers/investors are not aware of the securitization of their auto loans and the assignment of CUSIP numbers to the related securities, it constitutes fraud due to non-disclosure and misrepresentation. Borrowers ( which are actually the investors ) have a right to know how their auto loan agreements are being packaged as securities and traded. Such non-disclosure can lead to legal consequences for the parties involved and pose risks for investors in these securities, such as the borrowers themselves or mutual funds.","date_sent_to_company":"2023-11-09T03:12:04.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"7821995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-11-09T02:23:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["CUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform <em>Securities</em> <em>Identification</em> Procedures ) number associated with my auto loans. CUSIP <em>numbers</em> are unique identifiers used in the <em>securities</em> industry to track <em>financial</em> instruments, including <em>securities</em>."]},"sort":[15.099575,"7821995"]},{"_index":"complaint-public-v1","_id":"3168508","_score":15.022626,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 2nd attempt to rectify a serious error on the part of Equifax Credit Information Services LLC. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. \nAs proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. The disputed Discharged Chapter XXXX Bankruptcy # XXXX is currently reporting as discharged. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- \" PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires \" you to notify the party who furnished the disputed information '', Equifax would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits \" unfair or deceptive acts or practices '' by purposely reporting information that they have \" assumed '' is verifiable based off circumstance.\n\nEquifax has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Equifax has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days","date_sent_to_company":"2019-03-08T19:18:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97477","tags":null,"has_narrative":true,"complaint_id":"3168508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-03-04T16:39:43.000Z","state":"OR","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- \" PERSONAL <em>IDENTIFICATION</em> DEFINED AS INDIVIDUALS SOCIAL <em>SECURITY</em> & TAXPAYER <em>IDENTIFICATION</em> <em>NUMBERS</em>, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF <em>FINANCIAL</em> ACCOUNT <em>NUMBERS</em>, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[15.022626,"3168508"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":502,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":502}]}},"product":{"doc_count":502,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":343,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":340},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":77,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":74},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Checking or savings account","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":20},{"key":"Other banking product or service","doc_count":5},{"key":"Savings account","doc_count":4}]}},{"key":"Debt collection","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":6},{"key":"Credit card debt","doc_count":3},{"key":"Mortgage debt","doc_count":3},{"key":"Other debt","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":4},{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Virtual currency","doc_count":2},{"key":"Check cashing 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