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Explore all 145.5K companies with CFPB consumer complaints

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Company Complaints
a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title 2
a creditor may not treat a payment as late on a credit card or open-end account if it was received by the due date and at the designated address. If a timely payment was misreported 2
A creditor may not treat a payment on a credit 1
a creditor must credit payments promptly and accurately If timing of payments was misapplied or inaccurately processed 3
a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title 3
a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( 2 ) of this title 1
a creditor taking adverse action must provide the consumer with a written statement of the specific reasons for the action 1
a creditor will send you a Form 1099-C 5
a creditor would not be legally allowed to obtain two judgments against the same debtor. 1
a crew hopefully came to fix the situation. Our system had been showing an error for over two months. I had called XXXX 1
a cruel fabrication spun by the callous hands of bureaucratic ineptitude. 2
a customer service manager 1
a customer should never be charged a late fee for paying off the remaining statement balance. Im in essence being penalized for being a responsible customer. I pay off my balance 1
a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line 1
A dark haired employee proceed to tell me that it was a large amount. ( believe me when I say a {$20000.00} is not a large check I have had business all my life and it is nothing to deposit a check or {$500000.00} to a XXXX at a time. ) She begins to tell me that A would need to speak with a manager 1
a data furnisher and credit bureau must : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information 1
a data furnisher must conduct a reasonable investigation upon receiving notice of a dispute from a consumer. Your failure to provide validation or documentation supporting the validity of this debt demonstrates noncompliance with this requirement. 1
a day before we travel to Texas. 1
a day early. When I explained that this account was not new 1
a day late 1
a deadline I was never given. 1
a debit and or a transfer of funds from some sort of source document and then released to me. 1
a debt buyer bears the burden of proving ownership 1
a debt collection company acting on behalf of XXXX XXXX XXXX 1
a debt collector 3
a debt collector can not state that such consumer owes any debt. He then went on to say they dont have anything on file with written consent stating that I gave XXXX XXXX to have ANY of my information. This is a violation of 15 usc 1692a ( abusive practices ) There is abundant evidence of the use of abusive 1
a debt collector can not state that such consumer owes any debt. He then went on to say they dont have anything on file with written consent stating that I gave Zwicker consent to have ANY of my information. This is a violation of 15 usc 1692a ( abusive practices ) There is abundant evidence of the use of abusive 1
a debt collector conveys information 1
a debt collector does not transfer a debt for consideration ; a debt collector sends a file with data about the debt to another person for analytics 1
a debt collector is prohibited from continuing collection or furnishing activity without full validation of the debt and its legal right to collect. 1
a debt collector may communicate only to : Advise that collection efforts are being terminated ; or Notify the consumer of specific 1
a debt collector may not communicate 20
a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass 4
a debt collector may not communicate with a consumer in connection with the collection of any debt As well as subtitles ( 1 ) ( a ) ( b ) they can not provide any documentation with my written express consent to contrary my knowledge and understanding. 2 ) 15 U.S. Code 1692j - Furnishing certain deceptive forms : ( a ) It is unlawful to design 1
a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated several consumer laws.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,935XX,,Consent provided,Web,2023-06-29,Closed with explanation,Yes,N/A,7191181 1
a debt collector may not falsely represent the character 1
a debt collector must 2
a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information ( XXXX v. XXXX XXXX XXXX 1
a debt collector must cease communication if I notify them in writing that the debt is disputed. Your failure to address the dispute violates these provisions. 2
A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Given the previous communication with Net Credit 's representatives and the untruthful response to my initial CFPB complaint 1
a debt collector must notify the consumer of the debt and provide validation upon request. I never received validation or any documentation establishing ownership or assignment of this debt. Without proof of assignment 3
a debt collector must possess and be able to show proper documentation and proof of assignment before attempting to collect or report a debt. 1
a debt collector must provide adequate documentation to establish the consumers liability. Under FCRA 1681s-2 ( b ) 1
a debt collector must provide an unbroken chain of title linking the original creditor to the entity seeking enforcement 1
a debt collector must provide validation of the debt upon request. Since no validation has been provided 1
a debt collector shall 4
a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX 1
a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location. 1
a debt collector. Reply stop to opt-out. 1
a debt has to be VERFIED to be valid. You simply went around that question. You responded by saying 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.