CFPB · Mid-pack CFPB posture
Accurate Background
299 CFPB complaints · 39 states · top issue Incorrect information on your report.
Accurate Background has 299 consumer complaints in the CFPB public database. Timely response is 83.9%; 39.8% closed with relief; top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +620% filings 2014 to 2026
CFPB relief outcome brief
CCDB company accurate-background
39.8% relief · 83.9% timely · 299 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: First Investors Servicing Corporation, Atlanta, GA Branch (24.7% relief)
Accurate Background closes 39.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 299 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Accurate Background complaint mix by product
- Credit reporting, 159 53.2% – 47% relief
- Credit reporting 115 38.5% – 28% relief
- Credit reporting 24 8.0% – 54% relief
- Consumer Loan 1 0.3% – 0% relief
How Accurate Background's 299 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 159 |
| Credit reporting or other personal consumer reports | 115 |
| Credit reporting | 24 |
| Consumer Loan | 1 |
Where Accurate Background complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 17.4% of this company's filings
Accurate Background rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 36
- +620% vs 2014
Top States
| State | Complaints |
|---|---|
| CA | 52 |
| IL | 23 |
| TX | 16 |
| PA | 15 |
| FL | 14 |
| GA | 14 |
| NC | 13 |
| WA | 12 |
| OH | 12 |
| NY | 11 |
| MD | 10 |
| MI | 9 |
| AZ | 8 |
| TN | 7 |
| CO | 7 |
| AL | 6 |
| OR | 6 |
| NJ | 6 |
| IN | 5 |
| MN | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 190 |
| Problem with a company's investigation into an existing issue | 47 |
| Improper use of your report | 28 |
| Incorrect information on credit report | 18 |
| Credit reporting company's investigation | 5 |
| Identity theft protection or other monitoring services | 4 |
| Unable to get your credit report or credit score | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Improper use of my credit report | 1 |
| Taking out the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 5 | 100% |
| 2015 | 8 | 62.5% |
| 2016 | 5 | 80% |
| 2017 | 28 | 92.9% |
| 2018 | 29 | 86.2% |
| 2019 | 20 | 85% |
| 2020 | 22 | 72.7% |
| 2021 | 29 | 100% |
| 2022 | 24 | 70.8% |
| 2023 | 26 | 76.9% |
| 2024 | 18 | 77.8% |
| 2025 | 49 | 83.7% |
| 2026 | 36 | 88.9% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Accurate Background
Accurate Background's 299 logged complaints stay concentrated: only 39 states show a filing. Only 39.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2026-06-25.
Accurate Background answers 83.9% of complaints inside the CFPB's tracked window and closes 53.8% with a written explanation. 39.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Accurate Background.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Accurate Background: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 299.
- American Accounts & Advisers, Inc. Δ 0 complaints · 0% relief 299complaints
- Collection Bureau of Fort Walton Beach, Inc Δ 0 complaints · 0% relief 299complaints
- Columbia Banking System, Inc. Δ 0 complaints · 1.3% relief 299complaints
- Georgia Student Finance Authority Δ 0 complaints · 1.3% relief 299complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 83.9%.
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.
Data sourced from official public datasets for Accurate Background (83.9% timely; 39.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture