Total complaints
174
Filed since ( So
2026 data Public-data reference. official source
address
174 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
174 consumer complaints filed with the CFPB
This profile shows address's complaint history from CFPB public records. 174 consumers have filed complaints since ( So. The company has a 0% timely response rate and has provided relief in 0.6% of cases.
174
Total Complaints
0%
Timely Response
0%
Disputed
0.6%
Relief Provided
98
States Active
( So
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0.6%
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 0.6%
Industry median
Share closed with monetary or non-monetary relief.
address complaint mix by product
- specifically the 10 25.0% – 0% relief
- no valid 6 15.0% – 0% relief
- Equifax 6 15.0% – 0% relief
- no valid 5 12.5% – 0% relief
- XXXX 5 12.5% – 0% relief
- no valid 4 10.0% – 0% relief
- you must 4 10.0% – 0% relief
How address's 174 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| specifically the contract | 10 |
| no valid claims ... account was settled with original creditor and has been confirmed | 6 |
| Equifax | 6 |
| no valid claims ... accounts were settled with original creditors and has been confirmed | 5 |
| XXXX | 5 |
| no valid claim ... account was settled with original creditor and has been confirmed | 4 |
| you must provide all of the following : A copy of the original signed contract or application creating the alleged obligation If the account was opened electronically | 4 |
| INQUIRY - XX/XX/year> | 3 |
| I am requesting documentation that demonstrates compliance with the following FCRA requirements related to the validation of this disputed account : Documentation of the investigation process : Please provide records outlining the steps taken during your investigation of my dispute regarding the XXXX XXXX XXXX account. This should include | 3 |
| unverified | 3 |
| I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not | 3 |
| I now invoke my rights under 15 U.S.C. 1681g | 3 |
| specifically regarding personal information. Despite this | 3 |
| Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information ; however | 3 |
| XXXX XXXX | 3 |
| No. 95-6445 ( C.D.Cal. Nov. 14 | 3 |
| I have requested a thorough and manual verification | 3 |
| unauthorized inquiries | 3 |
| I verbally confirmed all my personal information would be corrected | 2 |
| you are required by federal law to verify | 2 |
| including the name | 2 |
| upon receiving my identity theft report | 2 |
| no valid claims ... account was settled with creditors and has been confirmed | 2 |
| you are required to : - Conduct a reasonable reinvestigation within 30 days | 2 |
| data | 2 |
| I am formally requesting the method of verification for these bankruptcy/public record entries pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). After you complete your reinvestigation | 2 |
| I formally request the following documentation regarding your investigation of my dispute with XXXX XXXX XXXX : Documentation of Investigation Methods : Please provide full records detailing the steps taken in your investigation of my disputes with XXXX XXXX XXXX | 2 |
| no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed | 2 |
| there was no evidence provided to me that verified the accuracy of this debt. Under FCRA Section 611 ( a ) ( 6 ) ( A ) ( i ) | 2 |
| I received notification from XXXX | 2 |
| no valid claims ... accounts were settled with original creditor | 2 |
| a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. Our investigation included a review all outbound and inbound calls. CKS does not take lightly | 2 |
| my mortgage has apparently changed OWNERSHIP 4 times and possibly 5 times. As specified in the Truth in Lending Act | 1 |
| he pulled up my address | 1 |
| I am well aware that CreditKarma is not a credit bureau and that you relay credit information | 1 |
| I have never given XXXX Equifax and XXXX and its cover persons | 1 |
| when my account balance was unusually low. I immediately contacted Chase Bank to report the transactions as fraud. XXXX provisionally opened a claim and began investigating. However | 1 |
| such as my name | 1 |
| I finally picked up the phone and was greeted by a woman who claimed to be a member of TD Banks Fraud Department. This woman gave me her name and then earned my trust by calmly telling me that a fraudulent charge had been made on my account ( a {$650.00} purchase on XXXX ) | 1 |
| Citi resolved the dispute in the merchants favor inexplicably. They provided the merchant 's response which had a one sentence paragraph stating Product built and delivered on XX/XX/18. In addition | 1 |
| including private account data | 1 |
| account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act | 1 |
| under 15 U.S.C. 1681i ( a ) | 1 |
| Experian | 1 |
| PA and XXXX XXXX XXXX violations of Federal and State law with Unconscionable | 1 |
| eff. 1-1-17. ) ( 815 ILCS 530/10 ) Sec. 10. Notice of breach. ( a ) Any data collector that owns or licenses personal information concerning an Illinois resident shall notify the resident at no charge that there has been a breach of the security of the system data following discovery or notification of the breach. The disclosure notification shall be made in the most expedient time possible and without unreasonable delay | 1 |
| adverse action includes A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditors accounts ''. I reached out to Citi as I was told I could contact them within 60 days of the letter ( which did not include a XXXX ) in regards to this matter | 1 |
| Experian sent automated and boilerplate emails describing how disputes generally work | 1 |
| Kikoff has failed to fulfill their legal obligations. Instead of complying with federal law | 1 |
| signed by myself ( or proof that I agreed to the terms and conditions of the account ) that demonstrates my legal obligation to pay this debt. Per the FDCPA | 1 |
| I called XXXX Disputes Department at XXXX to file a dispute. However the agent told me there was no bridge for her to remove the Hard Inquiry because - although she could see the last name and first name were swapped - ALL THE FINANCIAL DATA WAS CORRECT. She agreed this should not have been an obstacle for the bank. So I requested my Credit Report to see what she was referring to Also on XX/XX/XXXX | 1 |
| Paragraph 6 | 1 |
| at around XX/XX/XXXX | 1 |
| 2025 | 1 |
| no valid claims ... accounts were settled with creditors and has been confirmed | 1 |
| I received a message from XXXX XXXX | 1 |
| XXXX XXXX XXXX ( Experian ) | 1 |
| the account number | 1 |
| I am writing to dispute several inaccuracies on my credit report | 1 |
| asking that PHH Mortgage send me a copy of what I allegedly sent to them | 1 |
| I have never given XXXX XXXX and Transunion and its cover persons | 1 |
| or an appropriate XXXX XXXX transaction form | 1 |
| no valid claim ... account was settled original with creditor and has been confirmed | 1 |
| also through citibank | 1 |
| I have never given Experian XXXX and XXXX and its cover persons | 1 |
| my first and last name | 1 |
| Wells Fargo introduction played. I followed all the prompts that I always have when I called Wells Fargo. I asked the Fraud department. The Wells Fargo employee that came on stated I was speaking with XXXX XXXX. XXXX asked the reason for my call and what was going on. After explaining to him | 1 |
| I request the following : I would like more information about your business before discussing the debt with you. Does your business have a debt collection license from my state? If not | 1 |
| a picture of the scam text message | 1 |
| I formally request the following documentation regarding your investigation of my dispute with LVNV Funding LLC : Documentation of Investigation Methods : Please provide full records detailing the steps taken in your investigation of my disputes with LVNV Funding LLC | 1 |
| SECOND ALLIANCE | 1 |
| and my creditors have sent information to them over the course of the past two years | 1 |
| names are inaccurate information | 1 |
| XXXX has failed to fulfill their legal obligations. Instead of complying with federal law | 1 |
| I called my local bank | 1 |
| I received an updated Transunion credit report showing these tradelines as verified or verified and updated. However | 1 |
| I am formally requesting the method of verification for this bankruptcy/public record entry pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). After you complete your reinvestigation | 1 |
| in which XXXX gained my confidential information through Experian upon the purchase last year. XXXX gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling Experian right after | 1 |
| including their full name and mailing address to establish the legitimacy of the debt 3.Bill ( s ) of Sale - A copy of the bill of sale for each transfer of the debt from the original creditor to the current creditor | 1 |
| now that I'm trying to withdraw money from the Savings Account ( from accumulated cashback from my Apple Credit Card ) to my personal checking | 1 |
| again | 1 |
| XXXX -- I tried again | 1 |
| and was unable to because the account had come off my report the year prior. I called the company back. I initially spoke to a man who told me that this was obviously my account | 1 |
| Transunion | 1 |
| the consumer | 1 |
| Passport | 1 |
| and how you determined that. Details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not | 1 |
| XXXX. XXXX ( C.D.Cal. XXXX XXXX | 1 |
| including my bank statement | 1 |
| address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 4. Full name of Trust where the Note Number is trading | 1 |
| XX/XX/XXXX | 1 |
| please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state and jurisdiction? If not | 1 |
| XX/XX/18 | 1 |
| as my legal PII such as | 1 |
| I specifically requested that Experian investigate and verify the accuracy of the following items : XXXX XXXX Account # : XXXX XXXX Account # : XXXX Hard Inquiry by XXXX XXXX XXXX XX/XX/year> | 1 |
| including : 1.Proof that I am legally obligated to pay this debt A copy of the original signed contract or agreement Documentation showing the accounts creation and ownership 2.Proof of chain of custody / assignment All transfers | 1 |
| I sent a certified Method of Verification ( MOV ) request regarding the tradeline reported by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) | 1 |
| I mailed a dispute letter to TransUnion | 1 |
| including original account opening date | 1 |
| no valid claims ... accounts were settled with original creditors and has been confirmed and Bankruptcy was never filed | 1 |
| so it shouldnt be a surprise that both facilities participate in disingenuous treatment toward patients. Both fictitious bills from XXXX XXXX and XXXX XXXX XXXX XXXX were generated by the same practices. This is all unlawful | 1 |
| despite being unauthorized and unverifiable : XXXX XXXX XXXX | 1 |
| in which Clarity gained my confidential information through XXXX upon the purchase last year. Clarity gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling XXXX right after | 1 |
| was sold to Diversified Adjustment Service | 1 |
| but the next day | 1 |
Top States
| State | Complaints |
|---|---|
| and telephone number of each person who personally verified this alleged account | 26 |
| phone number | 6 |
| and telephone number of each credit grantor or other subscriber. Under federal law | 6 |
| and contact information of the entity that provided the information you used to verify the account. | 4 |
| and contact information of the person or entity that verified the account The specific documents reviewed during verification The date and manner in which the verification was conducted For clarity and to prevent improper responses : I am not asserting identity theft I am not admitting ownership of this account I am requesting validation and verification only I am not using a third party or credit repair organization Whether I use a third party is irrelevant and not a permissible basis to deny or delay verification I have previously received frivolous and non-responsive form letters | 4 |
| and phone number of the state agency that issues the license. | 4 |
| and telephone number of any furnisher of information contacted ( FCRA Section 611 ( a ) ( 7 ) ; 15 U.S.C. 1681i ( a ) ( 7 ) ). | 3 |
| phones numbers | 3 |
| phone # | 3 |
| and phone number Generic statements | 3 |
| and phone number of the individual or department at XXXX who certified the account ; All internal dispute notes | 3 |
| employment | 3 |
| and date of birth as provided in his complaint and located one bankruptcy record case number XXXX associated with Mr. XXXX in our systems. In an effort to resolve Mr. XXXX concerns | 3 |
| and social security number have been a part of data breaches in their systems. | 3 |
| and telephone number of each such company and the exact data they furnished ; A description of any automated | 3 |
| and/or dob. | 3 |
| and phone number of the furnisher contacted. | 3 |
| and telephone number ( if available ) of any furnisher contacted ; The name of the individual who verified the information ; The documentation used to support the continued reporting of these disputed items. | 3 |
| and evidence used by the furnisher. | 2 |
| and telephone number of each furnisher you contacted | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| you continue to report this and failed to provide me with a copy of any viable evidence | 24 |
| the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete | 6 |
| incomplete | 4 |
| documentation identifying : The physical location The individual or entity that processed the application A complete account history from origination through charge-off | 4 |
| please provide the license date | 4 |
| XXXX | 4 |
| you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company | 4 |
| INQUIRY - XX/XX/year> | 3 |
| any communication with XXXX XXXX XXXX and the specific information or documents they provided to validate the debt. As a furnisher | 3 |
| and has failed to update properly. Wrong account information | 3 |
| agents and attorneys written permission to have nor share my financial information which consist of my transaction history ( It is against the law to share transaction history- that is ILLEGAL ) | 3 |
| lack permissible purpose | 3 |
| Equifax | 3 |
| again I will not only attach my driver 's license | 3 |
| because verification of the account can not be determined | 3 |
| the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete | 3 |
| the name and address of the furnisher | 3 |
| you are required to conduct a reasonable investigation and review all relevant information provided by me. Additionally | 3 |
| charge-offs | 3 |
| any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About address
address has accumulated 174 consumer complaints in the CFPB public database, with filings active across 98 U.S. states. Of those submissions, 164 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 ( So, and the most recent logged activity is {$160.00} , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, address reports a 0% timely-response rate and has closed 0.6% of cases with a written explanation to the consumer. 0.6% 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 "specifically the contract", and the single most common underlying issue is "you continue to report this and failed to provide me with a copy of any viable evidence".
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 address: 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 address have?
address has received 174 consumer complaints filed with the Consumer Financial Protection Bureau.
Does address respond to complaints on time?
address has a 0% timely response rate to CFPB complaints.
What is the most common complaint about address?
The most common issue reported against address is "you continue to report this and failed to provide me with a copy of any viable evidence" in the "specifically the contract" product category.
Read our methodology — how this data is sourced, computed, and verified.
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