{"took":242,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3065,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1817443","_score":15.152809,"_source":{"product":"Credit reporting","complaint_what_happened":"This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. \nI received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. \nUpon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. \nThe contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. \nXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. \nI have included my social security cards, XXXX with my maiden name and the other with my married name. \nI also included a copy of my most recent utility bill with my maiden name and current address. \nI included a copy of my banking statement with my current address. \nFinally, I attached a copy of the adverse action notice received.","date_sent_to_company":"2016-03-06T21:59:51.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"88005","tags":null,"has_narrative":true,"complaint_id":"1817443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2016-03-06T21:59:51.000Z","state":"NM","company_public_response":null,"sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["This is the second time I file a complaint against Lexis Nexis Risk & Information <em>Analytics</em> Group Inc. \nI received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information <em>Analytics</em> Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016."]},"sort":[15.152809,"1817443"]},{"_index":"complaint-public-v1","_id":"2224932","_score":13.024542,"_source":{"product":"Credit card","complaint_what_happened":"My wife and I share a Discover Credit Card account. We were both at a XXXX, when I began to receive alerts of purchases being made on our Discover Card at stores near our zip code. Many of the stores were merchants and store locations we have never visited. I used my Discover app to \" Freeze '' my card and immediately called Discover to report the fraudulent activity. The representative explained they would investigate the purchases, but assured us the activity was now blocked. The Discover App Alerts were instrumental in limited the loss ( well over {$1000.00} in a matter of hours ), but the damage to the merchants and Discover was done. These events occurred a couple of months ago. Just yesterday, I received a letter from Discover stating that the matter was under a probe and if they deemed that we were indeed responsible for the activity, the chargebacks would be reversed and we would be held responsible. Although I understand this is probably \" canned '' language, and I have not suffered a personal loss at this point, I 'm taking the time to report a suggestion to the credit card industry as a whole. With the amount of information floating frivolously XXXX, the potential for theft is overwhelmingly on the rise and more difficult to guard against. Our economy is being bled out my amateur and advanced, domestic and foreign hacks. I 'm sure cost/benefit analysis favor ease of use by consumers over risk-mitigation controls, but the truth is, time/speed/rapid response analytics provide the choke point. \n\nMy wife and I also have a XXXX, and the analytic capabilities displayed by this financial institution ( FI ) can be inconvenient, but the risk of loss to both consumer and FI is greatly limited when real-time analytics detect aberrations in activity and block the use of the card. Thieves might get away with the credit, but they most likely will not invest the time to mimic spending patterns used by the actual consumer. More effort may be invested in creating apps with consumer approved patterns of use. A link between a communication device and a card could allow new merchant locations to be added to a list of approved merchants. An app which allows the consumer to select and deselect merchant/retail locations in real-time would be much more cost-effective and provide more protection to the XXXX economy than chasing the culprits after the fact. Stats show people in the XXXX are more concerned with Identity ( credit card ) theft than they are with XXXX, most likely because most of us have been personally affected by this type of crime than the inverse. In fact, this subtle attack on the XXXX economy is like a silent XXXX in its own right ... a destructive XXXX. \n\nXXXX a high-caliber focus-group/analytic team, and I believe you will find a rise in consumers who are more willing to be inconvenienced with contributing seconds of real-time intelligent data to consumer protection apps. I believe FI which prioritize protection over convenience will see a migration TO and XXXX away from the majority of consumers. I know I must call my XXXX ahead of time if I will be conducting business in an abnormal pattern ( travel or amounts, etc ) before I use the card, but I would happily notify them than having a looming, daunting feeling that even though my wife and I were obviously victims of a crime, we ca n't help but feel accused by the letter we received from Discover. XXXX of the charges is now being charged to us at a store location we have never visited before!!!! ( We are out {$260.00} so far and with potential for more personal loss ). Ughh! We love our Discover card, but I 'd prefer protective analytics more like the XXXX analytics. \n\nThanks, XXXX","date_sent_to_company":"2016-11-28T19:33:46.000Z","issue":"Credit card protection / Debt protection","sub_product":null,"zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"2224932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-11-28T19:33:45.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We love our Discover card, but I 'd prefer protective <em>analytics</em> more like the XXXX <em>analytics</em>. \n\nThanks, XXXX"]},"sort":[13.024542,"2224932"]},{"_index":"complaint-public-v1","_id":"12686610","_score":12.877288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus verified this public record as accurate without proper verification. The Clerk of the court has stated in a letter below that they do not provide any information to the credit bureaus. XXXX and other data analytics companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose.","date_sent_to_company":"2025-03-27T17:19:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"12686610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-27T17:19:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX and other data <em>analytics</em> companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose."]},"sort":[12.877288,"12686610"]},{"_index":"complaint-public-v1","_id":"12686599","_score":12.719904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus verified this public record as accurate without proper verification. The Clerk of the court has stated in a letter below that they do not provide any information to the credit bureaus. XXXX and other data analytics companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose.","date_sent_to_company":"2025-03-27T17:19:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"12686599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-27T17:19:20.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX and other data <em>analytics</em> companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose."]},"sort":[12.719904,"12686599"]},{"_index":"complaint-public-v1","_id":"12687956","_score":12.533069,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus verified this public record as accurate without proper verification. The Clerk of the court has stated in a letter below that they do not provide any information to the credit bureaus. XXXX and other data analytics companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose.","date_sent_to_company":"2025-03-27T17:19:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"12687956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-27T16:24:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX and other data <em>analytics</em> companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose."]},"sort":[12.533069,"12687956"]},{"_index":"complaint-public-v1","_id":"3591222","_score":12.525042,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are saying my score is XXXX. My XXXX XXXX and XXXX  are more than 200 pts more than that my XXXX  score is way higher than that. They are saying I have had to many address changes I have lived 3 places the last 20 years of my life. Last time I changed address was 2014 when I moved 5 miles  away to a new house same city. Been at my current address for 6 years. They are owned by ID Analytics '' - owned by \" XXXX '' provider of Identity theft products - owned by \" XXXX XXXX '' which also operates \" XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous. They obviously provided that information to ID Analytics which supplied it to SageStream and that's what they are using to compiled their version of my \" Credit Score. '' I stopped paying XXXX and had many issues with them feel as though this is some kind of illegal retaliatory measures on their part.","date_sent_to_company":"2020-04-02T06:56:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32583","tags":null,"has_narrative":true,"complaint_id":"3591222","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2020-04-02T06:35:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["They are owned by ID <em>Analytics</em> '' - owned by \" XXXX '' provider of Identity theft products - owned by \" XXXX XXXX '' which also operates \" XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous."],"company":["ID <em>Analytics</em>, Inc."]},"sort":[12.525042,"3591222"]},{"_index":"complaint-public-v1","_id":"12008841","_score":12.135462,"_source":{"product":"Debt collection","complaint_what_happened":"due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more","date_sent_to_company":"2025-02-09T15:04:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"23513","tags":null,"has_narrative":true,"complaint_id":"12008841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T15:04:29.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["due to careful <em>analytics</em> investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more"]},"sort":[12.135462,"12008841"]},{"_index":"complaint-public-v1","_id":"12198072","_score":12.006952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the Fair Credit Reporting Act of 1970, 15 USC 1681 section 602 ( a ) ( 4 ) states : \" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' VERISK ANALYTICS INC ( IIX ) is in fact a consumer reporting agency, and I am the Consumer. Pursuant to the law, I have the right to insure my private nonpublic personal information is not shared. The Federal Drivers Privacy Protection Act of XXXX which is codified in 18 U.S.C 2721 states : ( a ) In General.A State department of motor vehicles, and any officer, employee, or contractor thereof, shall not knowingly disclose or otherwise make available to any person or entity : ( 1 ) personal information, as defined in 18 U.S.C. 2725 ( 3 ), about any individual obtained by the department in connection with a motor vehicle record, except as provided in subsection ( b ) of this section; or ( 2 ) highly restricted personal information, as defined in 18 U.S.C. 2725 ( 4 ), about any individual obtained by the department in connection with a motor vehicle record, without the express consent of the person to whom such information applies, except uses permitted in subsections ( b ) ( 1 ), ( b ) ( 4 ), ( b ) ( 6 ), and ( b ) ( 9 ). ( b ) ( 11 ) states : For any other use in response to requests for individual motor vehicle records if the State has obtained the express consent of the person to whom such personal information pertains. 18 U.S.C. 2725 ( 1 ) defines motor vehicle record and ( 3 ) personal information as : ( 1 ) motor vehicle record means any record that pertains to a motor vehicle operators permit, motor vehicle title, motor vehicle registration, or identification card issued by a department of motor vehicles ; ( 3 ) personal information means information that identifies an individual, including an individuals photograph, social security number, driver identification number, name, address ( but not the XXXX zip code ), telephone number, and medical or XXXX information, but does not include information on vehicular accidents, driving violations, and drivers status. 15 USC 1681 section 604 ( a ) section 2 which reads : \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Pursuant to FLORIDA STATUTE 119.0712, VERISK ANALYTICS INC ( IIX ), the Consumer reporting agency, must have my consent to receive or furnish this information, and I did not give them my written consent to do so. Any and all consent to VERISK ANALYTICS INC ( IIX ), whether it be verbal, non-verbal, written, implied or otherwise, I the consumer henceforth revoke. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' VERISK ANALYTICS INC ( IIX ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states : \" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This item is an adverse item and is being reported without my permission, which violates the the Fair Credit Reporting Act of XXXX, the Privacy Act of XXXX, and the Drivers Privacy Protection Act of XXXX. This report does not reflect a conviction of any crime. 15 USC 1681s2 ( A ) ( 1 ) A states : \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states : \" Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. VERISK ANALYTICS INC ( IIX ) is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' Per the Fair Credit Reporting Act of XXXX, I am opting out of the reporting of this adverse information contained within the report from VERISK ANALYTICS INC ( IIX ) and am requesting that the information be removed from the consumer report.","date_sent_to_company":"2025-02-24T12:25:52.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"32819","tags":null,"has_narrative":true,"complaint_id":"12198072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Verisk Analytics Inc","date_received":"2025-02-24T12:19:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["VERISK <em>ANALYTICS</em> INC ( IIX ) is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' Per the Fair Credit Reporting Act of XXXX, I am opting out of the reporting of this adverse information contained within the report from VERISK <em>ANALYTICS</em> INC ( IIX ) and am requesting that the information be removed from the consumer report."],"company":["Verisk <em>Analytics</em> Inc"]},"sort":[12.006952,"12198072"]},{"_index":"complaint-public-v1","_id":"12008922","_score":11.811426,"_source":{"product":"Debt collection","complaint_what_happened":"due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more","date_sent_to_company":"2025-02-09T15:05:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"23513","tags":null,"has_narrative":true,"complaint_id":"12008922","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-09T14:56:52.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["due to careful <em>analytics</em> investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more"]},"sort":[11.811426,"12008922"]},{"_index":"complaint-public-v1","_id":"12008899","_score":11.811426,"_source":{"product":"Debt collection","complaint_what_happened":"due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXX original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more","date_sent_to_company":"2025-02-09T14:55:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"23513","tags":null,"has_narrative":true,"complaint_id":"12008899","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-09T13:36:01.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["due to careful <em>analytics</em> investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXX original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more"]},"sort":[11.811426,"12008899"]},{"_index":"complaint-public-v1","_id":"2948918","_score":11.713714,"_source":{"product":"Mortgage","complaint_what_happened":"Quicken Loans/Rocket is running a shell game with inspection fees. They simply use data analytics to guesstimate the value of a refinance then up the value beyond the supportable valuation for the loan documents ; then collect the XXXX dollars which they then pocket when the valuation is a few dollars shy. There are hundreds of complaints on the internet, all with the same story. I myself fell for this deception and wanted to pass along a Waring, they do not deal in good faith and use the inspection process as a money maker. the ethics of the mortgage company providing these services for themselves is also highly questionable.","date_sent_to_company":"2018-06-28T12:39:46.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"30017","tags":null,"has_narrative":true,"complaint_id":"2948918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2018-06-28T12:29:14.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They simply use data <em>analytics</em> to guesstimate the value of a refinance then up the value beyond the supportable valuation for the loan documents ; then collect the XXXX dollars which they then pocket when the valuation is a few dollars shy. There are hundreds of complaints on the internet, all with the same story."]},"sort":[11.713714,"2948918"]},{"_index":"complaint-public-v1","_id":"7034019","_score":11.662785,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I made a purchase on my Capital One Spark Business credit card on XX/XX/2023 from XXXX XXXX XXXX for a 3 month marketing campaign. The deliverables were not per the contract, regular reporting was not being done, and the merchant was unresponsive/late with responding. After repeatedly contacting the merchant starting approximately the first week of XX/XX/2023, I requested to cancel my campaign, at which time the merchant threatened legal actions. I received no further communications after XX/XX/2023. So, I contacted Capital One and disputed the transactions on the grounds that I did not get what I paid for. On XX/XX/2023, Capital One recharged my card upon the merchant responding. The merchant presented both the original contract ( signed ), as well as their analytics to Capital one. Capital one gave me a chance to dispute this by XX/XX/2023. On XX/XX/2023, I submitted my response along with my contract ( unsigned ) and my own analytics from my website which does not match what the merchant reported. I contacted Capital One on XX/XX/2023 as I had not received any further correspondence. I was advised to check my account at capitalone.com for correspondence. Here I found a letter from Capital One dated XX/XX/2023 declining my response and reinstating the charge from XXXX XXXX. I, however, never received this correspondence and had no knowledge of it until XX/XX/XXXX. Also, the correspondence asked for further documentation which was not clear. After inquiring with the agent on the phone, I was told that I needed an original \" signed '' agreement which was not previously stated. Capital One is also requesting a \" second opinion '' from a competitor of XXXX XXXX, even though I did submit my own analytics from my hosting company. Further, my campaign was supposed to be for 3 months. My campaign went live on XX/XX/XXXX and I've had 0 correspondence from the XXXX XXXX  since XX/XX/XXXX, XXXX s such, I believe they did not uphold our agreement and that Capital One has failed in holding them accountable, instead, they have me paying for services that I did not receive.","date_sent_to_company":"2023-05-26T19:24:01.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7034019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-05-26T18:46:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The merchant presented both the original contract ( signed ), as well as their <em>analytics</em> to Capital one. Capital one gave me a chance to dispute this by XX/XX/2023. On XX/XX/2023, I submitted my response along with my contract ( unsigned ) and my own <em>analytics</em> from my website which does not match what the merchant reported. I contacted Capital One on XX/XX/2023 as I had not received any further correspondence. I was advised to check my account at capitalone.com for correspondence."]},"sort":[11.662785,"7034019"]},{"_index":"complaint-public-v1","_id":"13551102","_score":11.45475,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Affirm approved me for over {$3000.00} in XX/XX/year> ; Ive already paid off the Loan.\n\nYesterday I tried to do another purchase for approximately {$280.00} ( at XXXXXXXX XXXX ). However, Affirm is forcing me to jump through hoops and is pretending to not KNOW WHO I am, questioning my identity. ALL of the direct employees are OUTSIDE of the U.S.A./ dont have any analytical skills/cant think outside of the box AND refuse to connect me with the XXXX XXXX corporate office XXXX","date_sent_to_company":"2025-05-16T19:20:24.000Z","issue":"Problem with additional add-on products or services","sub_product":"Personal line of credit","zip_code":"63130","tags":null,"has_narrative":true,"complaint_id":"13551102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-05-16T18:54:21.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["./ dont have any <em>analytical</em> skills/cant think outside of the box AND refuse to connect me with the XXXX XXXX corporate office XXXX"]},"sort":[11.45475,"13551102"]},{"_index":"complaint-public-v1","_id":"4276726","_score":11.315922,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX my parked car was hit by another driver. We went through the claim and everything was settled by the driver 's insurance. \n\nHowever, when my insurance renewal comes up, the insurance company informed that a clue report generated by LexisNexis shows that there is at fault accident and suggested that i need to corrected with Lexis Nexis. \n\nI have contacted Lexis Nexis and provided the police report in addition to the check sent by the driver insurance. However, Lexis Nexis is refusing to correct this mistake. \n\nLexisNexis failed to update its records especially during this time, despite being sued many times over the years for the same reasons. ( Adams v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2010 WL 1931135, at *9 ( D.N.J. May 12, 2010 ) ( denying LexisNexiss motion for judgment on the pleadings ) ; Berry v. LexisNexis Risk & Info. Analytics Grp., Inc. , 2014 WL 4403524, at *1 ( E.D. Va. Sept. 5, 2014 ), aff 'd sub nom. Berryv. Schulman, 807 F.3d 600 ( 4th Cir. 2015 ).\n\nWe urge Consumer Financial Protection Bureau to revoke Lexis Nexis license to store and sale consumer data as it has proven again that it doesn't adhere to the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq Consumer Number : XXXX Case Number:XXXX Thank you very much","date_sent_to_company":"2021-04-07T06:41:32.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"662XX","tags":"Older American","has_narrative":true,"complaint_id":"4276726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-04-07T02:13:38.000Z","state":"KS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Analytics</em> Grp., Inc. , 2010 WL 1931135, at *9 ( D.N.J. May 12, 2010 ) ( denying LexisNexiss motion for judgment on the pleadings ) ; Berry v. LexisNexis Risk & Info. <em>Analytics</em> Grp., Inc. , 2014 WL 4403524, at *1 ( E.D. Va. Sept. 5, 2014 ), aff 'd sub nom. Berryv. 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