Total complaints
16
Filed since ( a
2026 data Public-data reference. official source
credit capacity
16 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
16 consumer complaints filed with the CFPB
This profile shows credit capacity's complaint history from CFPB public records. 16 consumers have filed complaints since ( a . The company has a 0% timely response rate and has provided relief in 0% of cases.
16
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
( a
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.
credit capacity complaint mix by product
- any consumer 5 33.3% – 0% relief
- the FAIR 3 20.0% – 0% relief
- impartiality 2 13.3% – 0% relief
- and unfair 2 13.3% – 0% relief
- this account 1 6.7% – 0% relief
- and I 1 6.7% – 0% relief
- which is 1 6.7% – 0% relief
How credit capacity's 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681 section 602 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness | 5 |
| the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ) | 3 |
| impartiality | 2 |
| and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you | 2 |
| this account is being reported as a collection account | 1 |
| and I have pointed this information out to all 3 of the credit reporting agencies | 1 |
| which is false and is considered extortion under 18 usc 1961. The United States is obligated to tender payment and it is Federal Law that when my credit cardsocial security number was used | 1 |
| the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties | 1 |
Top States
| State | Complaints |
|---|---|
| character | 14 |
| etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. | 1 |
| etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; by definition consumer report : ( 1 ) In general. The term consumer report means any written | 3 |
| and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies | 2 |
| XXXX | 2 |
| impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are d amaging my reputation | 1 |
| fairness | 1 |
| if you are not going to reinforce what you have in place? It's your law CFPB | 1 |
| and a respect for the consumers right to privacy. XXXX and Equifax are consumer reporting agencies | 1 |
| impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation | 1 |
| XXXX and XXXX pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written | 1 |
| and a respect for the consumers right to privacy. Transunion and XXXX are consumer reporting agencies | 1 |
| based in whole or in part on information described in subparagraph ( C ) | 1 |
| and a respect for the consumers right to privacy. XXXX XXXX XXXX are consumer reporting agencies | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About credit capacity
credit capacity has accumulated 16 consumer complaints in the CFPB public database, with filings active across 3 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 ( a , and the most recent logged activity is vacy is pa, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, credit capacity 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 "any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681 section 602 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness", and the single most common underlying issue is "any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; by definition consumer report : ( 1 ) In general. The term consumer report means any written".
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 credit capacity: 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.
Consumer Guides
Learn more about your rights and how to interpret complaint data.
Related Data
Explore additional financial data about companies, lenders, and institutions on our partner portals.
PlainBankData
Bank financial data — deposits, assets, branches, and regulatory filings for FDIC-insured institutions.
PlainAdvisorCheck
Financial advisor records — SEC and FINRA registration, disclosures, and disciplinary history.
PlainCU
Credit union data — financial performance, membership, rates, and NCUA regulatory information.
PlainInsurer
Insurance company data — financial strength, complaint ratios, market share, and state licensing.
PlainLender
Mortgage lender data — HMDA loan originations, approval rates, interest rates, and lending patterns.
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 credit capacity have?
credit capacity has received 16 consumer complaints filed with the Consumer Financial Protection Bureau.
Does credit capacity respond to complaints on time?
credit capacity has a 0% timely response rate to CFPB complaints.
What is the most common complaint about credit capacity?
The most common issue reported against credit capacity is "any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; by definition consumer report : ( 1 ) In general. The term consumer report means any written" in the "any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681 section 602 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
