Total complaints
21
Filed since * *
2026 data Public-data reference. official source
actual
21 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
21 consumer complaints filed with the CFPB
This profile shows actual's complaint history from CFPB public records. 21 consumers have filed complaints since * * . The company has a 0% timely response rate and has provided relief in 0% of cases.
21
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
10
States Active
* *
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.
actual complaint mix by product
- I will 4 25.0% – 0% relief
- Experian 3 18.8% – 0% relief
- I will 2 12.5% – 0% relief
- I am 2 12.5% – 0% relief
- I will 2 12.5% – 0% relief
- outdated 2 12.5% – 0% relief
- unverifiable 1 6.3% – 0% relief
How actual's 21 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I will pursue legal action | 4 |
| Experian | 3 |
| I will take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) | 2 |
| I am demanding full removal of all fraudulent and inaccurate information | 2 |
| I will proceed with the following without further notice : Filing formal complaints with the CFPB | 2 |
| outdated | 2 |
| unverifiable | 1 |
| 1681e ( b ) | 1 |
| this complaint seeks immediate regulatory intervention. The complainant demands that TransUnion delete the inaccurate late payment entry for XXXX XXXX account XXXX XXXXXXXX | 1 |
| verification | 1 |
| e-OSCAR logs | 1 |
| egregious | 1 |
Top States
| State | Complaints |
|---|---|
| and punitive damages | 8 |
| and punitive damages. | 4 |
| and punitive damages under FCRA 616617.,,EQUIFAX | 2 |
| and punitive damages.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,MA,02301,,Consent provided,Web,2025-09-03,Closed with explanation,Yes,N/A,15695417 | 1 |
| and punitive damages.,,EQUIFAX | 1 |
| and punitive exposure now exceeds {$100000.00} | 1 |
| and punitive damages.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
| and punitive XXXX,,MOHELA,WA,989XX,,Consent provided,Web,2025-06-27,Closed with explanation,Yes,N/A,14333933 | 1 |
| and punitive damages resulting from TransUnions willful and negligent disregard of federal consumer protection laws. | 1 |
| and punitive damages,,Maximus Federal Services | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| and TransUnion are willfully reporting false and misleading information | 3 |
| Pursue a civil lawsuit for : Violations of FDCPA and FCRA | 2 |
| and a corrected credit report. Equifaxs continued failure to act lawfully will result in escalation | 2 |
| and North Carolina Attorney Generals Office Pursuing a civil suit under FCRA 616 and 617 | 2 |
| the XXXX Attorney General | 2 |
| the California Attorney General | 2 |
| I will pursue legal action under FCRA 617 | 1 |
| and Florida Statute 559.72 ( 9 ) by failing to correct or delete an invalid XXXX XXXXXXXX XXXX account despite multiple verified disputes | 1 |
| I have XXXX XXXX of access to fair credit | 1 |
| and identify the furnisher and individual responsible for confirming the disputed information. TransUnion should also issue written confirmation of correction or deletion | 1 |
| or collection will occur Continued reporting | 1 |
| internal notes | 1 |
| I have suffered loss of access to fair credit | 1 |
| irreparable damage to my creditworthiness | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About actual
actual has accumulated 21 consumer complaints in the CFPB public database, with filings active across 10 U.S. states. Of those submissions, 16 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 * * , and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, actual 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 "I will pursue legal action", and the single most common underlying issue is "and TransUnion are willfully reporting false and misleading information".
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 actual: 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 actual have?
actual has received 21 consumer complaints filed with the Consumer Financial Protection Bureau.
Does actual respond to complaints on time?
actual has a 0% timely response rate to CFPB complaints.
What is the most common complaint about actual?
The most common issue reported against actual is "and TransUnion are willfully reporting false and misleading information" in the "I will pursue legal action" product category.
Read our methodology — how this data is sourced, computed, and verified.
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