Total complaints
35
Filed since # #
2026 data Public-data reference. official source
costs
35 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
35 consumer complaints filed with the CFPB
This profile shows costs's complaint history from CFPB public records. 35 consumers have filed complaints since # # . The company has a 0% timely response rate and has provided relief in 0% of cases.
35
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
17
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.
costs complaint mix by product
- according to 10 45.5% – 0% relief
- the following 4 18.2% – 0% relief
- it will 3 13.6% – 0% relief
- as required 2 9.1% – 0% relief
- I will 1 4.5% – 0% relief
- delete immediately 1 4.5% – 0% relief
- has created 1 4.5% – 0% relief
How costs's 35 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| according to consumer protection laws | 10 |
| the following information is being erroneously included on my credit report | 4 |
| it will be considered willful noncompliance under 15 U.S. Code 1681n | 3 |
| as required by the FCRA. Be advised that I am keeping a detailed record of all communication | 2 |
| I will file a civil lawsuit under : FCRA | 1 |
| delete immediately per 611 ( a ). Noncompliance will prompt escalation to Florida Attorney General | 1 |
| has created a permanent and irrevocable Estoppel by Acquiescence | 1 |
| I demand that all collection and legal activity be suspended until the requested documentation is provided. I further request written confirmation that your lawsuit has been stayed pending resolution of this dispute. You are also advised to notify Upstart Loan Operations and all credit reporting agencies that the accuracy of the reported information is disputed and that the tradeline should be corrected or removed entirely. If I do not receive a satisfactory response within thirty ( 30 ) days from the date of this letter | 1 |
| you have XXXX ( XXXX ) days to correct this violation | 1 |
| all collection activitiesincluding telephone calls | 1 |
| including : 1. Denial of credit card applications due to inaccurate information in my credit report 2. Inability to purchase necessary baby items for my child due to credit limitations 3. Emotional distress | 1 |
| under 15 U.S.C. 1681i and 1681s-2 ( a ) of the Fair Credit Reporting Act | 1 |
| costs | 1 |
| I demand that all collection and legal activity be suspended until the requested documentation is provided. I further request written confirmation that your lawsuit has been stayed pending resolution of this dispute. You are also advised to notify XXXX XXXX XXXX and all credit reporting agencies that the accuracy of the reported information is disputed and that the tradeline should be corrected or removed entirely. If I do not receive a satisfactory response within XXXX ( XXXX ) days from the date of this letter | 1 |
| any attempt by FMA Alliance | 1 |
| I sent a dispute response | 1 |
| 5536 ) Unfair | 1 |
| has created a permanent and irrevocable estoppel by acquiescence | 1 |
| I demand that all collection and legal activity be suspended until the requested documentation is provided. I further request written confirmation that your lawsuit has been stayed pending resolution of this dispute. You are also advised to notify XXXX XXXX XXXX and all credit reporting agencies that the accuracy of the reported information is disputed and that the tradeline should be corrected or removed entirely. If I do not receive a satisfactory response within thirty ( 30 ) days from the date of this letter | 1 |
| I will consider EWS to be acting in bad faith and will proceed with formal legal action in federal court seeking all remedies available under 15 U.S.C. 1681n | 1 |
Top States
| State | Complaints |
|---|---|
| and attorneys fees. | 10 |
| and minimum payment calculations. Credit card institutions are required by law to disclose this information. | 7 |
| and attorneys fees | 4 |
| and attorney 's fees is established under FCRA 1681n & o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NY,12550,,Consent provided,Web,2025-11-23,Closed with explanation,Yes,N/A,17456199 | 1 |
| and injunctive relief. | 1 |
| and injunctive relief. I am open to pre-litigation settlement discussions ; contact me at [ phone/email ]. Enclosures : XXXX credit report pages | 1 |
| fees | 1 |
| losses | 1 |
| and attorney 's fees. | 1 |
| and conditions they face and in their understanding of them | 1 |
| and minimum payment calculations. Credit card institutions are required by law to disclose this information.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,78249,Servicemember,Consent provided,Web,2024-06-04,Closed with non-monetary relief,Yes,N/A,9167658 | 1 |
| and attorney 's fees is established under FCRA 1681n & o.,,EQUIFAX | 1 |
| late charges | 1 |
| and minimum payment calculations. Credit card institutions are required by law to disclose this information.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
| or conditions of the product or service. '' 3. State Unfair and Deceptive Acts and Practices ( UDAP ) Laws Many states have their own UDAP statutes ( e.g. | 1 |
| levies | 1 |
| and minimum payment calculations. Credit card institutions are required by law to disclose this information.,,EQUIFAX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| also known as a cardholder agreement | 10 |
| the Michigan Attorney General | 3 |
| punitive damages | 3 |
| the New York State Attorney General | 2 |
| more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information | 2 |
| legal actions | 2 |
| actual damages ( credit denial | 1 |
| and federal litigation in the U.S. District Court for the XXXX XXXX XXXX XXXX | 1 |
| and provide written confirmation of such action. If my credit access is not restored by the end of this ten-day period | 1 |
| credit reporting | 1 |
| and anxiety from repeated failed attempts to have these errors corrected 4. Time spent and costs incurred in disputing these inaccuracies Based on the numerous violations detailed above ( at least 22 accounts with multiple violations per account ) | 1 |
| it must be permanently removed from my credit report. Reporting unverified | 1 |
| even if they have an awareness that it is in the realm of possibility that a particular negative consequence may follow or a particular cost may be incurred as a result of using the product or service.56 But consumers generally do not expect companies to benefit from or be indifferent to certain negative consequences | 1 |
| and I reserve the right to pursue legal remedies accordingly | 1 |
| they sent several word documents with ledgers that were created using a XXXX program and not accounting software. The bill I just received in XX/XX/XXXX was no where close to the information they sent about my dispute. As I told them | 1 |
| more than 75 days and again XXXX days ago : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX ( Charge Off ) Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX If you do not immediately remove this inaccurate and incomplete information | 1 |
| more than 75 days and again XXXX days ago : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX ( Charge Off ) Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX If you do not immediately remove this inaccurate and incomplete information | 1 |
| or Abusive Acts or Practices ( UDAAP ) : The Consumer Financial Protection Bureau ( CFPB ) enforces prohibitions against unfair | 1 |
| and 1681p | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About costs
costs has accumulated 35 consumer complaints in the CFPB public database, with filings active across 17 U.S. states. Of those submissions, 32 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 f this let, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, costs 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 "according to consumer protection laws", and the single most common underlying issue is "also known as a cardholder agreement".
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 costs: 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 costs have?
costs has received 35 consumer complaints filed with the Consumer Financial Protection Bureau.
Does costs respond to complaints on time?
costs has a 0% timely response rate to CFPB complaints.
What is the most common complaint about costs?
The most common issue reported against costs is "also known as a cardholder agreement" in the "according to consumer protection laws" product category.
Read our methodology — how this data is sourced, computed, and verified.
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