CFPB · Single-product concentration
Backgrounds Online
7 CFPB complaints · 85.7% in "Credit reporting or other personal consumer reports" · top issue Incorrect information on your report.
Backgrounds Online: 85.7% of 7 CFPB complaints sit in "Credit reporting or other personal consumer reports". Timely 71.4% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2022 to 2026
CFPB relief outcome brief
CCDB company backgrounds-online
0% relief · 71.4% timely · 7 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Backgrounds Online closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Backgrounds Online complaint mix by product
- Credit reporting 6 85.7% – 0% relief
- Credit reporting, 1 14.3% – 0% relief
How Backgrounds Online's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where Backgrounds Online complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 28.6% of this company's filings
Backgrounds Online complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2022
Top States
| State | Complaints |
|---|---|
| TX | 2 |
| FL | 1 |
| WA | 1 |
| KY | 1 |
| NC | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 6 |
| Problem with a company's investigation into an existing issue | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 100% |
| 2024 | 1 | 100% |
| 2025 | 4 | 50% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Backgrounds Online filings cluster in one product
Backgrounds Online's 7 logged complaints stay concentrated: only 6 states show a filing. 57.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-02-17.
Backgrounds Online answers 71.4% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting 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 Backgrounds Online.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Backgrounds Online: 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: 7.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 71.4%.
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 Backgrounds Online (71.4% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration