Total complaints
7
Filed since In X
2026 data Public-data reference. official source
15 U.S. Code 1681c
7 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
7 consumer complaints filed with the CFPB
This profile shows 15 U.S. Code 1681c's complaint history from CFPB public records. 7 consumers have filed complaints since In X. The company has a 0% timely response rate and has provided relief in 0% of cases.
7
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
6
States Active
In X
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
15 U.S. Code 1681c complaint mix by product
- XX/XX/XXXX a 6 85.7% – 0% relief
- Equifax reports 1 14.3% – 0% relief
How 15 U.S. Code 1681c's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| XX/XX/XXXX a charge off is reported and remarks from XXXX state Charged off as bad debt. This violates 15 U.S. Code 1681 | 6 |
| Equifax reports Collection/Chargeoff XXXX XXXX reports 120 Days Late XXXX reported a Count of Late Payments as XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| 15 U.S. Code 1681n XXXX XXXX XXXX nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income | 2 |
| 15 U.S. Code 1681n XXXX reports XXXX XX/XX/XXXX XX/XX/XXXX | 1 |
| 15 U.S. Code 1681n Bank of America nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income | 1 |
| 15 U.S. Code 1681n JP Morgan Chase Bank nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income | 1 |
| 15 U.S. Code 1681n XXXX XXXX XXXX XXXX nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income | 1 |
| 15 U.S. Code XXXX XXXX XXXX XXXX XXXX nor any other entity can collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| 15 U.S. Code 1681n In the XXXX reports a Charge Off in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. XXXX remarks Charged off account. This violates 15 U.S. Code 1681 | 2 |
| and XXXX reported XXXX. All XXXX agencies are in violation of 15 U.S. Code 1681 | 1 |
| 15 U.S. Code 1681n In the XXXX reports a Charge Off in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. XXXX remarks Charged off account. This violates 15 U.S. Code 1681 | 1 |
| 15 U.S. Code 1681n In the Equifax reports a Charge Off in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. Equifax remarks Charged off account. This violates 15 U.S. Code 1681 | 1 |
| 15 U.S. Code 1681n In the Equifax reports a Charge Off in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. Equifax remarks Charged off account. This violates 15 U.S. Code 1681 | 1 |
| 15 U.S. Code 1681n In the XXXX reports a Charge Off in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. XXXX remarks Charged off account. This violates 15 U.S. Code 1681 | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About 15 U.S. Code 1681c
15 U.S. Code 1681c has accumulated 7 consumer complaints in the CFPB public database, with filings active across 6 U.S. states. Of those submissions, 7 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to In X, and the most recent logged activity is XXXX Repor, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, 15 U.S. Code 1681c reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "XX/XX/XXXX a charge off is reported and remarks from XXXX state Charged off as bad debt. This violates 15 U.S. Code 1681", and the single most common underlying issue is "15 U.S. Code 1681n In the XXXX reports a Charge Off in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. XXXX remarks Charged off account. This violates 15 U.S. Code 1681".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating 15 U.S. Code 1681c: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does 15 U.S. Code 1681c have?
15 U.S. Code 1681c has received 7 consumer complaints filed with the Consumer Financial Protection Bureau.
Does 15 U.S. Code 1681c respond to complaints on time?
15 U.S. Code 1681c has a 0% timely response rate to CFPB complaints.
What is the most common complaint about 15 U.S. Code 1681c?
The most common issue reported against 15 U.S. Code 1681c is "15 U.S. Code 1681n In the XXXX reports a Charge Off in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported and XXXX XXXX late payments are reported. XXXX remarks Charged off account. This violates 15 U.S. Code 1681" in the "XX/XX/XXXX a charge off is reported and remarks from XXXX state Charged off as bad debt. This violates 15 U.S. Code 1681" product category.
Read our methodology — how this data is sourced, computed, and verified.
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