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Explore all 145.5K companies with CFPB consumer complaints

145,512 companies

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Company Complaints
11 USC 101 ( 10 ) defines the term creditor '' to mean : ( A ) entity that has a claim against a debtor that arose at the time of or before the order for relief concerning the debtor ; or 1
11. I had n't heard from Santander. On XXXX XXXX 1
11.10.2 1
110 % credit utilization LEGAL VIOLATIONS : A. Impossibility of Concurrent Status - FCRA 1681e ( b ) An account can not simultaneously be CLOSED/CHARGED OFF and OPEN/CURRENT. This represents a fundamental failure of reasonable procedures under XXXX XXXX Trans Union XXXX XXXX 1
110 Stat. 2030 1
110 Stat. 3498. ) 18 U.S. Code 2071 - Concealment 1
1100A ( 2 ) 5
111 Stat. 3
112 3
1124 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ) 1
113 Stat. 1439 ; Pub. L. 109351 3
115 F.3d 220 ( 3d Cir. 1997 ) 1
115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1 2
115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable 1
116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest 2
117 A.2d 344 ( Me. 1955 ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States 5
117 A.2d 344 ( Me. XXXX ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States 1
117 Stat. 3
118 1
12 3
12 and 13 ) on XX/XX/XXXX. 1
12 C.F.R 100.34c 3
12 C.F.R. 1005.9 ) and the Electronic Signatures in Global and National Commerce Act ( E-SIGN ) require that consumers receive timely electronic access to account information 1
12 C.F.R. 1006.34 ( c ) ( 2 ) ( i ). 1
12 C.F.R. 1022-43 1
12 C.F.R. 1022.42 ( a ) ; and ( 4 ) unfair practices related to the assessment of late fees in violation of Sections 1031 and 1036 of the CFPA 4
12 C.F.R. 1022.42 ( b ) ( 2 ) stipulates that consumer reporting agencies must ensure that all reported information is accurate and verifiable 3
12 C.F.R. 1024.35 ( e ) ( 3 ) ( i ) ( B ) and 1024.35 ( f ) ( 2 ) ; Reg. X 1
12 C.F.R. 1024.35. This letter is also a formal Hardship and Loss Mitigation Application pursuant to 12 C.F.R. 1024.41. 1
12 C.F.R. 1026.19 1
12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 3
12 C.F.R. p1026 and TISA 12 U.S.C. Section 4301 and its regulations DD 1
12 C.F.R. Part 1026 ( Reg. Z ). The remaining six arise from Dodd-Frank amendments to the Real Estate Settlement Procedures Act ( RESPA ) ; those six reside in RESPAs implementing regulation 1
12 CFR 1001.1 Under ( 12 U.S. Code 5481 ( 15 ) ( A ) ( ix ) and ( 15 ) ( A ) ( xi ) and ( 26 ) ( a ) ( i-ii ) and ( 28 ) ( a ) and ( 29 ) 1
12 CFR 1006 1
12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. 1
12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. National Credit Systems has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover 1
12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. PORTFOLIO RECOVERY ASSOCIATES has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover 1
12 CFR 1016.15 1
12 CFR 1016.4 ) for not providing opting out methods to the disclosure of personal information ( 12 CFR 1016.7 and 15 U.S. Code 6802 ) and IDENTITY THEFT ( 12 CFR 1022.3 ). NELNET should know that The Family Educational Rights and Privacy Act protects the privacy of students education records. Educational agencies and Institutions are not allowed to provide transaction history and education records to any third party. In 20 U.S. Code 1232g ( b ) clearly establish that funds wont go to schools releasing personally identifiable information contained therein other than directory information without the student/parent written consent 1
12 CFR 1016.4 ; 12 CFR 1016.7 c. MILITARY STAR has violated all privacy laws that pertain to prohibitions of reporting nonpublic information such as transaction history between me and MILITARY STAR to third parties as stated in 15 USC 1681a ( 2 ) ( A ) ( i ) which states that consumer report explicitly excludes report containing information solely as to transactions or experiences between the consumer and the person making the report ) d. Chargeoffs reported to third parties. Chargeoffs are written off by creditor and a 1099C given to consumer when an account has been charged off to profit loss statement. That amount written off then becomes income to the consumer and must be reported as such to the IRS. Income can not be reported to a Consumer Report. 1
12 CFR 1016.4 emphasizes the necessity for consumer consent prior to any reporting 5
12 CFR 1016.7 ( g ) 2
12 CFR 1016.7 affirms that consumers have the right to opt out at any time. In light of this 2
12 CFR 1016.7 allows consumers to exercise the right to opt out of any reporting services at any time. I am hereby choosing to opt out of your reporting services.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,MD,21117,,Consent provided,Web,2023-12-28,Closed with explanation,Yes,N/A,8074860 1
12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ) 1
12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee. 8
12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and XXXX. 1
12 CFR 1022 ( v ) 1
12 CFR 1022.3 states anything added to my report without my written consent could be considered identity theft. 1

What this index shows

This is the master index of every company that appears in the Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database, mirrored on PlainComplaint and grouped by institution so a single company page rolls up every complaint filed against that company across every product, state, and year since 2011. The CFPB began collecting consumer complaints when it was established under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and has published them as a public dataset to give consumers, researchers, and journalists a window into how U.S. financial-services firms respond to customer concerns.

The default view is alphabetical by company name and paginated 50 companies per page. Use the sort controls to re-order by total complaint volume (highest first), timely-response percentage (best response track record first), or most recent complaint activity (companies with the freshest reports). Each row links to a dedicated company page showing year-over-year complaint trends, the top complaint products, complaint issues, top states by volume, and a year-by-year breakdown of complaint counts and response timeliness.

How to compare companies fairly

Raw complaint volume is a function of two things: how many customers the company serves, and how it handles those customers. A nationwide bank with tens of millions of accounts can show six-figure complaint counts simply because of its scale; a smaller regional lender with a few hundred complaints may actually have a higher per-customer complaint rate. The "Timely Response %" column shows the share of complaints the company answered within the CFPB's deadline — a stronger comparable metric across firms of different sizes. Pair it with the volume column to form a fuller picture, and dig into the company page for the breakdown by product so you can see whether issues are concentrated in a single line of business (for example, credit reporting) or spread across the entire firm.

Complaint records are consumer-submitted narratives. The CFPB does not adjudicate or verify the facts in each report before publishing; companies are given the opportunity to respond, dispute, or resolve. Many complaints are resolved with monetary or non-monetary relief. The strength of the dataset is in its scale — millions of records spanning every major U.S. consumer financial category — and its neutrality: it reports what consumers said, regardless of the company's perspective. Treat individual records accordingly, and lean on aggregate patterns (top issues, year-over-year trends, state distribution) when drawing conclusions.

What the dataset covers

The CFPB Consumer Complaint Database covers complaints against banks, credit-card issuers, mortgage servicers, debt collectors, payday lenders, student-loan servicers, money-transfer companies, prepaid-card issuers, credit bureaus, auto-finance lenders, and other financial products and services regulated by the agency. Complaints are categorized by product (the broad financial-services category) and sub-product, and again by issue (the specific consumer concern, e.g. "incorrect information on your report") and sub-issue. Year-by-year coverage runs from 2011 to present, with monthly refreshes published by the CFPB.

PlainComplaint refreshes from the agency's public release on a regular cadence and re-derives all aggregate counts, rankings, and trend lines on each refresh, so the page you're reading reflects the latest snapshot of the public database. See the methodology page for the full data pipeline, dedup rules, and the refresh schedule, or browse by other dimensions: issues, products, or states.