{"took":158,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":89450,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1817443","_score":23.142616,"_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 <em>Risk</em> & 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 <em>Risk</em> & 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":[23.142616,"1817443"]},{"_index":"complaint-public-v1","_id":"14222818","_score":19.86746,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"LEXIS NEXIS recently suffered a major data breach including consumers ' names and SS numbers. Soon after I discovered incorrect information on my credit report. Records show that XXXX XXXX submitted consumer information to multiple lenders without permission. Data broker giant LexisNexis Risk Solutions, a Georgia-based American data analytics company XXXX has revealed that attackers stole the personal information of over XXXX individuals in a XXXX breach. As disclosed in data breach notifications sent to affected people starting XX/XX/XXXX, LexisNexis was informed on XX/XX/XXXX that some of its data had been stolen from XXXX by an unknown threat actor using a compromised company account. Quote : \" On XXXX, we learned that on XXXX, an unauthorized third party acquired certain LNRS data from a third-party platform used for software development. ''","date_sent_to_company":"2025-06-22T03:17:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"14222818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-06-22T03:10:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Data broker giant LexisNexis <em>Risk</em> Solutions, a Georgia-based American data <em>analytics</em> company XXXX has revealed that attackers stole the personal information of over XXXX individuals in a XXXX breach. As disclosed in data breach notifications sent to affected people starting XX/XX/XXXX, LexisNexis was informed on XX/XX/XXXX that some of its data had been stolen from XXXX by an unknown threat actor using a compromised company account."]},"sort":[19.86746,"14222818"]},{"_index":"complaint-public-v1","_id":"1542200","_score":18.747253,"_source":{"product":"Debt collection","complaint_what_happened":"Motion for deletion of debt due to cramming charges law suit XXXX federal trade commission vs XXXX. I had XXXX around said time, left due to cramming charges.","date_sent_to_company":"2015-08-28T16:36:06.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"78213","tags":null,"has_narrative":true,"complaint_id":"1542200","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-08-28T16:36:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["Motion for deletion of debt due to <em>cramming</em> charges law suit XXXX federal trade commission vs XXXX. I had XXXX around said time, left due to <em>cramming</em> charges."]},"sort":[18.747253,"1542200"]},{"_index":"complaint-public-v1","_id":"1338948","_score":18.420256,"_source":{"product":"Debt collection","complaint_what_happened":"I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.","date_sent_to_company":"2015-04-23T16:11:57.000Z","issue":"False statements or representation","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"93702","tags":null,"has_narrative":true,"complaint_id":"1338948","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-04-21T13:10:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I was a customer of XXXX and I think I was a victim of XXXX <em>cramming</em> charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to <em>cramming</em> charges."]},"sort":[18.420256,"1338948"]},{"_index":"complaint-public-v1","_id":"1396795","_score":18.170288,"_source":{"product":"Debt collection","complaint_what_happened":"I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.","date_sent_to_company":"2015-05-28T23:53:37.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"1396795","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-05-28T23:53:36.000Z","state":"RI","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I was a victim of the XXXX <em>cramming</em> fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous <em>cramming</em> charges."]},"sort":[18.170288,"1396795"]},{"_index":"complaint-public-v1","_id":"8656657","_score":18.124031,"_source":{"product":"Student loan","complaint_what_happened":"I authorized a payment on XX/XX/2024 to be withdrawn on XX/XX/2024 and received conformation of the authorization via email on XXXX. I logged in to Mohela 's website today and saw that I'm now \" past due '' for the XXXX payment because they didn't withdraw the payment when it was authorized to be paid. There is more than sufficient funds available on my end. \n\nTo my recollection, I have never had a late payment in almost ten years of repayment and do not intend to have one now because of a mistake on their end while they're changing their web-based platform.\n\nI received no timely communication from Mohela on the authorized date or within a couple of days that they encountered any issues with the XXXX payment.","date_sent_to_company":"2024-03-29T20:49:00.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"33626","tags":null,"has_narrative":true,"complaint_id":"8656657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-03-29T20:36:38.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["To my recollection, I have never had a late payment in almost ten years of repayment and do not intend to have one now because of a mistake on their end while they're changing their <em>web-based</em> <em>platform</em>.\n\nI received no timely communication from Mohela on the authorized date or within a couple of days that they encountered any issues with the XXXX payment."]},"sort":[18.124031,"8656657"]},{"_index":"complaint-public-v1","_id":"2249279","_score":17.87305,"_source":{"product":"Debt collection","complaint_what_happened":"Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.","date_sent_to_company":"2016-12-15T19:56:07.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"10468","tags":null,"has_narrative":true,"complaint_id":"2249279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AFNI INC.","date_received":"2016-12-15T00:21:39.000Z","state":"NY","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["Collection agency is listed on credit report and attempting to collect a debt that is involved in the <em>cramming</em> class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the <em>cramming</em> charges."]},"sort":[17.87305,"2249279"]},{"_index":"complaint-public-v1","_id":"9563292","_score":17.49463,"_source":{"product":"Credit card","complaint_what_happened":"The supervisor XXXX and the rep XXXX a at Citi dispute center are unprofessional, incompetent, lazy cause they dont want to look for any into, they want everything provided to them each time and its a complete waste of time dealing with them. \nThe attached disputes need to be remove from my statement They do from food that had health risk as per the Florida department of health to cramming charges that I did not agreed when renting a car. \nHow is it possible that citi is allowing these fraudulent charges knowing that the people working at the dispute center dont do their work? This needs to be investigated. They purposely delay claims, until the point that the customer will get fustrated and tired or simply will forget about the dispute. That is fraudulent activity that Citi is allowing. Additional complaints with the Florida State attorney will be filed if these issues are not fixed a week from today.","date_sent_to_company":"2024-07-19T17:10:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"9563292","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-07-19T17:01:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The attached disputes need to be remove from my statement They do from food that had health <em>risk</em> as per the Florida department of health to <em>cramming</em> charges that I did not agreed when renting a car. \nHow is it possible that citi is allowing these fraudulent charges knowing that the people working at the dispute center dont do their work? This needs to be investigated."]},"sort":[17.49463,"9563292"]},{"_index":"complaint-public-v1","_id":"4276726","_score":17.427477,"_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":["LexisNexis <em>Risk</em> & Info. <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 <em>Risk</em> & Info. <em>Analytics</em> 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 )."]},"sort":[17.427477,"4276726"]},{"_index":"complaint-public-v1","_id":"2600740","_score":17.350412,"_source":{"product":"Debt collection","complaint_what_happened":"Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for \" cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.","date_sent_to_company":"2017-08-10T16:19:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"60649","tags":null,"has_narrative":true,"complaint_id":"2600740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2017-08-10T16:06:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for \" <em>cramming</em>. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of <em>cramming</em>. At $ XXXX month for 10 years, I would be owed {$1100.00}."]},"sort":[17.350412,"2600740"]},{"_index":"complaint-public-v1","_id":"2004563","_score":17.350412,"_source":{"product":"Debt collection","complaint_what_happened":"I checked my credit report and it shows there is midland credit management reporting to for a XXXX account. This account is shown to have been opened around the XXXX cramming lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. \n\nXXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile cramming, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year","date_sent_to_company":"2016-07-08T15:04:38.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"60107","tags":null,"has_narrative":true,"complaint_id":"2004563","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-07-08T15:04:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["This account is shown to have been opened around the XXXX <em>cramming</em> lawsuit which makes the amount not certain and needs to be immidently deleted from all credit bureas. \n\nXXXX has agreed to fully refund its customers for unwanted third-party charges it placed on their phone bills, a practice known as mobile <em>cramming</em>, paying at least {$90.00} XXXX to settle a Federal Trade Commission lawsuit filed earlier this year"]},"sort":[17.350412,"2004563"]},{"_index":"complaint-public-v1","_id":"2224932","_score":17.269115,"_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":["I 'm sure cost/benefit analysis favor ease of use by consumers over <em>risk</em>-mitigation controls, but the truth is, time/speed/rapid response <em>analytics</em> provide the choke point. \n\nMy wife and I also have a XXXX, and the <em>analytic</em> capabilities displayed by this financial institution ( FI ) can be inconvenient, but the <em>risk</em> of loss to both consumer and FI is greatly limited when real-time <em>analytics</em> detect aberrations in activity and block the use of the card."]},"sort":[17.269115,"2224932"]},{"_index":"complaint-public-v1","_id":"1388540","_score":17.0444,"_source":{"product":"Debt collection","complaint_what_happened":"I contacted both XXXX and Midland Funding concerning an account that is listed on my credit report by Midland Funding. XXXX was unable to provide an explanation of the exuberant charges that Midland Funding was attempting to collect. Midland has not provided an explanation of the charges either. I have contacted them by fax, phone and mail. This account undoubtly includes cramming charges not authorized by me and that I do not owe. XXXX 's practice of cramming is well outlined in a complaint filed by the FTC where XXXX has agreed to reimburse negatively affected customers for these erroneous charges. \n\nNot only has Midland Funding continued to try to collect these unowed amounts but they also have reported this to the credit bureaus and verified the reporting of the same when I attempted to dispute the charges with the credit bureau. \n\nTo date although requested Midland Funding has provided no valid proof that I owe this debt and can not provide the same because I do not owe this debt due to the cramming charges.","date_sent_to_company":"2015-05-22T00:14:15.000Z","issue":"False statements or representation","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"30350","tags":null,"has_narrative":true,"complaint_id":"1388540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-05-22T00:14:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This account undoubtly includes <em>cramming</em> charges not authorized by me and that I do not owe. XXXX 's practice of <em>cramming</em> is well outlined in a complaint filed by the FTC where XXXX has agreed to reimburse negatively affected customers for these erroneous charges."]},"sort":[17.0444,"1388540"]},{"_index":"complaint-public-v1","_id":"1589313","_score":16.839928,"_source":{"product":"Debt collection","complaint_what_happened":"Cramming charges were added to this bill. This charge does not represent actual amount owed.","date_sent_to_company":"2015-10-01T22:01:40.000Z","issue":"False statements or representation","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"78213","tags":null,"has_narrative":true,"complaint_id":"1589313","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-10-01T22:01:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Cramming</em> charges were added to this bill. This charge does not represent actual amount owed."]},"sort":[16.839928,"1589313"]},{"_index":"complaint-public-v1","_id":"2373317","_score":16.63837,"_source":{"product":"Credit reporting","complaint_what_happened":"LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a \" Non-FCRA Opt-out Policy ''. That page invents new undefined terms like \" information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of \" Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. \n\nIn fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called \" RiskView '' by applying a security freeze to that product alone. \n\nLexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become \" a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.","date_sent_to_company":"2017-03-06T23:50:48.000Z","issue":"Improper use of my credit report","sub_product":null,"zip_code":"90049","tags":null,"has_narrative":true,"complaint_id":"2373317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2017-03-06T23:50:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Report improperly shared by CRC"},"highlight":{"complaint_what_happened":["LexisNexis <em>Risk</em> & Information <em>Analytics</em> Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their <em>Risk</em>View product or direct consumers to an opt-out page for PeopleWise or KnowX."]},"sort":[16.63837,"2373317"]},{"_index":"complaint-public-v1","_id":"1307784","_score":16.49886,"_source":{"product":"Debt collection","complaint_what_happened":"The amount of the debt is not accurate due to cramming charges added by XXXX.","date_sent_to_company":"2015-03-31T23:30:59.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"023XX","tags":null,"has_narrative":true,"complaint_id":"1307784","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-03-31T23:30:58.000Z","state":"MA","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["The amount of the debt is not accurate due to <em>cramming</em> charges added by XXXX."]},"sort":[16.49886,"1307784"]},{"_index":"complaint-public-v1","_id":"5137584","_score":16.384758,"_source":{"product":"Debt collection","complaint_what_happened":"The Receivable Management Services LLC is contacting other people and asking for me. They have recently sent a letter stating that I owe a debt to a random web-based company based in XXXX. I do not owe this debt and I do not have an account with this XXXX company.","date_sent_to_company":"2022-01-22T09:10:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29073","tags":null,"has_narrative":true,"complaint_id":"5137584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Receivable Management Services LLC","date_received":"2022-01-22T04:01:15.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They have recently sent a letter stating that I owe a debt to a random <em>web-based</em> company based in XXXX. I do not owe this debt and I do not have an account with this XXXX company."]},"sort":[16.384758,"5137584"]},{"_index":"complaint-public-v1","_id":"1322646","_score":16.20662,"_source":{"product":"Debt collection","complaint_what_happened":"I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.","date_sent_to_company":"2015-04-09T19:04:53.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"1322646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Convergent Resources, Inc.","date_received":"2015-04-09T19:04:53.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["I have made it very clear that the charges are not a valid amount and based on the current FTC <em>cramming</em> case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive <em>cramming</em> charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client."]},"sort":[16.20662,"1322646"]},{"_index":"complaint-public-v1","_id":"1524171","_score":16.097988,"_source":{"product":"Credit reporting","complaint_what_happened":"I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian \" crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for \" credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to \" cram '' charges via the XXXX website -- there are plenty of \" free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped.","date_sent_to_company":"2015-08-18T17:25:20.000Z","issue":"Credit monitoring or identity protection","sub_product":null,"zip_code":"93401","tags":"Older American","has_narrative":true,"complaint_id":"1524171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-08-18T17:25:19.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms and changes"},"highlight":{"complaint_what_happened":["Two takeaways : 1 XXXX These companies should NOT be allowed to \" <em>cram</em> '' charges via the XXXX website -- there are plenty of \" free credit report '' scams out there -- do n't let this one consumer site fall victim to the <em>cramming</em> too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped."]},"sort":[16.097988,"1524171"]},{"_index":"complaint-public-v1","_id":"1930479","_score":16.045828,"_source":{"product":"Debt collection","complaint_what_happened":"Called several times a day. Some of the charges in the overdue account are due to cramming and therefore they can not assert that I do not owe these charges","date_sent_to_company":"2016-05-18T16:47:53.000Z","issue":"Communication tactics","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"30084","tags":null,"has_narrative":true,"complaint_id":"1930479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2016-05-18T16:47:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Called outside of 8am-9pm"},"highlight":{"complaint_what_happened":["Some of the charges in the overdue account are due to <em>cramming</em> and therefore they can not assert that I do not owe these charges"]},"sort":[16.045828,"1930479"]},{"_index":"complaint-public-v1","_id":"1321027","_score":16.024677,"_source":{"product":"Debt collection","complaint_what_happened":"In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site.","date_sent_to_company":"2015-04-08T15:10:45.000Z","issue":"False statements or representation","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"66106","tags":null,"has_narrative":true,"complaint_id":"1321027","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2015-04-08T15:10:45.000Z","state":"KS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal <em>cramming</em> charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of <em>cramming</em> from XXXX 's verification site."]},"sort":[16.024677,"1321027"]},{"_index":"complaint-public-v1","_id":"1571063","_score":15.764339,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.","date_sent_to_company":"2015-09-18T12:01:46.000Z","issue":"Taking/threatening an illegal action","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"97601","tags":null,"has_narrative":true,"complaint_id":"1571063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Diversified Consultants, Inc.","date_received":"2015-09-18T12:01:45.000Z","state":"OR","company_public_response":null,"sub_issue":"Attempted to/Collected exempt funds"},"highlight":{"complaint_what_happened":["I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the <em>cramming</em> of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further."]},"sort":[15.764339,"1571063"]},{"_index":"complaint-public-v1","_id":"2137829","_score":15.71957,"_source":{"product":"Bank account or service","complaint_what_happened":"CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.","date_sent_to_company":"2016-09-29T23:40:00.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"2137829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-09-29T23:39:59.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["CHASE BANK HAS <em>CRAMMED</em> XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK."]},"sort":[15.71957,"2137829"]},{"_index":"complaint-public-v1","_id":"3476856","_score":15.571329,"_source":{"product":"Mortgage","complaint_what_happened":"Predatory lender \" loancare '' continues to send threatening letters regarding HO6 insurance policy, claiming that the said policy has expired. It has not expired. This is an attempt to sell insurance at inflated cost ; cram and scam.","date_sent_to_company":"2019-12-24T19:09:03.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"77904","tags":"Older American","has_narrative":true,"complaint_id":"3476856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2019-12-24T19:02:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This is an attempt to sell insurance at inflated cost ; <em>cram</em> and scam."]},"sort":[15.571329,"3476856"]},{"_index":"complaint-public-v1","_id":"3067213","_score":15.521395,"_source":{"product":"Checking or savings account","complaint_what_happened":"I called on XX/XX/XXXX and tried to resolve {$5.00} mobile transaction fee that was crammed on to my on XX/XX/XXXX while I was making mobile deposit. 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