Total complaints
30
Filed since 5. L
2026 data Public-data reference. official source
actual damages
30 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
30 consumer complaints filed with the CFPB
This profile shows actual damages's complaint history from CFPB public records. 30 consumers have filed complaints since 5. L. The company has a 0% timely response rate and has provided relief in 0% of cases.
30
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
9
States Active
5. L
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 damages complaint mix by product
- I have 3 20.0% – 0% relief
- the Federal 3 20.0% – 0% relief
- I am 3 20.0% – 0% relief
- in which 2 13.3% – 0% relief
- I have 2 13.3% – 0% relief
- I will 1 6.7% – 0% relief
- you may 1 6.7% – 0% relief
How actual damages's 30 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I have suffered substantial emotional distress | 3 |
| the Federal Trade Commission ( FTC ) | 3 |
| I am prepared to pursue all available legal remedies | 3 |
| in which case I am legally entitled to a XXXX ( Cancellation of Debt ) | 2 |
| I have identified | 2 |
| I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for failure to comply with FCRA 1681e ( b ) | 1 |
| you may be held liable for the following statutory damages : Statute Violation Max Statutory Penalty FCRA 1681e ( b ) | 1 |
| and if not resolved immediately | 1 |
| you are legally required to cease all collection activity | 1 |
| XXXX breach ) demonstrate precedent for compensation when consumer data has been compromisedvia free credit monitoring | 1 |
| I am demanding the immediate deletion of this bankruptcy from my credit file unless you can provide full court-verified documentation | 1 |
| fully recognize both ATM withdrawals as unauthorized | 1 |
| '' as TransUnion | 1 |
| I will escalate this case to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( OCC ) State Attorney Generals Office Any other regulatory and enforcement authorities Be advised : Failure to comply with the FCRA | 1 |
| I will have no choice but to pursue legal action. This will include | 1 |
| the FCRA | 1 |
| correct | 1 |
| I will escalate this case to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( XXXX ) XXXX Attorney XXXX XXXX Any other regulatory and enforcement authorities Be advised : Failure to comply with the FCRA | 1 |
| you are required to block and permanently delete these fraudulent accounts within XXXX business days of receiving my documentation ( i.e. | 1 |
| including but not limited to : 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation Illegal re-aging of a closed account Reporting a debt that does not exist Reporting possession of collateral that was lawfully returned years ago Formal Demand for Immediate Corrective Action I hereby formally demand that Mercedes-Benz Financial Services : Immediately delete all inaccurate and derogatory credit reporting related to both lease accounts Correct the account status to Closed Paid as Agreed with a XXXX balance Remove any references to a XXXX term | 1 |
| you are required to immediately block | 1 |
| I reserve the right to pursue remedies including | 1 |
Top States
| State | Complaints |
|---|---|
| attorneys fees | 12 |
| punitive damages | 7 |
| and attorneys fees for willful non-compliance. | 3 |
| and costs. I have already provided proof that this alleged debt is invalid | 2 |
| and attorneys fees. | 2 |
| and possible punitive relief if no valid justification is produced promptly. | 1 |
| and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion | 1 |
| court costs | 1 |
| costs | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| and reputational damage | 3 |
| and to pursue all remedies available under the FCRA | 3 |
| failure to validate the debt | 3 |
| where is my XXXX? If it was not charged off | 2 |
| unauthorized access | 2 |
| and FDCPA ( as applicable ) subjects you to civil liability under 15 U.S.C. 1681n | 2 |
| and FDCPA 1692e. Additionally | 1 |
| 1681b ( f ) Up to {$3000.00} + punitive damages FDCPA 1692g ( b ) | 1 |
| including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ) | 1 |
| transferring | 1 |
| and compensation for time. I was impacted similarly by the residual consequences of inaccurate credit reporting and request comparable compensation for : - Time spent correcting or monitoring : XXXX XXXX | 1 |
| the method of verification | 1 |
| I will pursue formal legal action without further notice. This includes claims under the Electronic Fund Transfer Act ( Regulation E ) | 1 |
| and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnions | 1 |
| filing a lawsuit for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) | 1 |
| I will consider pursuing all available remedies | 1 |
| I will : File complaints with the CFPB | 1 |
| given the immediate and escalating harm | 1 |
| delinquency | 1 |
| and permanently remove all fraudulent information from my consumer file. Any attempt to verify | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About actual damages
actual damages has accumulated 30 consumer complaints in the CFPB public database, with filings active across 9 U.S. states. Of those submissions, 27 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 5. L, and the most recent logged activity is XXXX. Lega, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, actual damages 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 have suffered substantial emotional distress", and the single most common underlying issue is "and reputational damage".
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 damages: 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 damages have?
actual damages has received 30 consumer complaints filed with the Consumer Financial Protection Bureau.
Does actual damages respond to complaints on time?
actual damages has a 0% timely response rate to CFPB complaints.
What is the most common complaint about actual damages?
The most common issue reported against actual damages is "and reputational damage" in the "I have suffered substantial emotional distress" product category.
Read our methodology — how this data is sourced, computed, and verified.
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