Total complaints
55
Filed since ADDR
2026 data Public-data reference. official source
emotional distress
55 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
55 consumer complaints filed with the CFPB
This profile shows emotional distress's complaint history from CFPB public records. 55 consumers have filed complaints since ADDR. The company has a 0% timely response rate and has provided relief in 0% of cases.
55
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
35
States Active
ADDR
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.
emotional distress complaint mix by product
- yet Equifax 5 21.7% – 0% relief
- yet Experian 3 13.0% – 0% relief
- OH XXXX 3 13.0% – 0% relief
- I will 3 13.0% – 0% relief
- your duty 3 13.0% – 0% relief
- 808 3 13.0% – 0% relief
- yet Transunion 3 13.0% – 0% relief
How emotional distress's 55 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i | 5 |
| yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i | 3 |
| OH XXXX Subject : Notice of Intent to Sue for FCRA Violations Due to XXXX XXXX XXXX Dear XXXX Legal & Professional | 3 |
| I will escalate this matter : File formal complaints with the CFPB | 3 |
| your duty of heightened accuracy | 3 |
| 808 | 3 |
| yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i | 3 |
| 610 | 2 |
| accounts | 2 |
| in the offenses stated above losing countless exhaustive nights sleep | 1 |
| XXXX | 1 |
| I will pursue all available legal remedies | 1 |
| yet Experian has continuously failed to delete | 1 |
| fee stacking | 1 |
| XXXXXXXX XXXX : I emailed asking to schedule for this week '' XX/XX/XXXX | 1 |
| verified with supporting documentation | 1 |
| I continued to experience constant calls and other communications from creditors | 1 |
| I will file : - A formal complaint with the CFPB | 1 |
| foreclosure practices | 1 |
| which I am fully aware of. However | 1 |
| civil liability is imposed for negligence in failing to comply with the provisions of the FCRA. By reporting inaccurate information and failing to ensure the accuracy and completeness of my credit file | 1 |
| notify the furnisher ( 1681i ( a ) ( 2 ) ) | 1 |
| derogatory reporting | 1 |
| due to the inaccurate reporting of these negative accounts | 1 |
| continue to report inaccurate | 1 |
| improper chargeback enforcement | 1 |
| as I was in communication with the creditor and made arrangements in good faith. This entry is harming my credit and must be corrected or removed XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00} XXXX XXXX Law : FCRA 611 Issue : Inaccurate late payment reported Story : I was not late on this account ; there is no documentation provided to support this derogatory data. Please reinvestigate and correct it XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Law : FCRA XXXX Issue : Late payment despite settled status Story : This account was closed and settled without any outstanding balance. Reporting late payment is unfair and misleading XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611 Issue : Unjustified late payment reporting Story : This account has been inactive and closed with no balance. There is no legitimate reason to report a late payment on it XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Law : FCRA 611 Issue : Charged-off account requires verification Story : This account was disputed previously. I request proper verification as required by law | 1 |
| reckless | 1 |
| I request : 1. Immediate return of the vehicle or compensation for its full value ; 2. Disclosure of the party or parties who authorized the repossession ; 3. Preservation and disclosure of all records | 1 |
| secured by a mortgage on the property | 1 |
| conduct reasonable reinvestigations | 1 |
| and Checkr 's failure to verify or even acknowledge the clear disputes already submitted | 1 |
| yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i | 1 |
| malicious | 1 |
| FDCPA | 1 |
| OH XXXX Subject : Notice of Intent to Sue for FCRA Violations Due to Inaccurate Credit Reporting Dear LexisNexis Legal & Professional | 1 |
| fair treatment | 1 |
Top States
| State | Complaints |
|---|---|
| and financial harm | 12 |
| and damage to my creditworthiness. Unless these inaccuracies are corrected immediately | 4 |
| and FCRA violations. | 3 |
| and the consequences of federal law violations. | 3 |
| and financial damage. | 2 |
| and denial of fair credit opportunities. I am requesting the CFPB to take immediate enforcement action and ensure that all disputed items are corrected or deleted. Continued reporting of unverifiable and inaccurate information is willful noncompliance | 2 |
| bad faith from a fiduciary | 1 |
| and financial hardship. Their actions constitute a direct violation of FCRA 605C and 605B | 1 |
| and statutory penalties. | 1 |
| and damaged financial credibility I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action against Experian for its repeated and willful violations of federal law and failure to protect consumer rights. I request a full investigation and a permanent deletion of the above inaccurate addresses and unverifiable charge-off accounts from my credit report. Experian must be held accountable for its negligent and damaging practices,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,OK,730XX,,Consent provided,Web,2025-07-02,Closed with explanation,Yes,N/A,14402317 | 1 |
| and time lost due to your deceptive servicing practices Failure to comply will result in legal action. I am prepared to file suit for : Violations of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Breach of contract and unjust enrichment Violations of Californias Unfair Competition Law ( Bus. & Prof. Code 17200 ) Damages under the Consumer Financial Protection Act I reserve the right to escalate this matter to the CFPB | 1 |
| and inability to access essential items Acknowledgment that proper notice was not provided SUPPORTING EVIDENCE : I have documentation including : BMW account statement ( XX/XX/XXXX ) showing Statement 35 of 36 '' BMW Vehicle Return Statement ( XX/XX/XXXX ) showing {$31000.00} charges Text message from XX/XX/XXXX : I've not received a notice or anything! '' Email from XX/XX/XXXX : Can I please schedule for this week? '' ( sent hours before repo ) Email from XX/XX/XXXX : stating intent to purchase vehicle Text messages showing coordination with BMW representatives This repossession was wrongful | 1 |
| and financial losses caused by these inaccuracies.,,EQUIFAX | 1 |
| and reputational damage due to the publication of false and misleading credit data.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
| aggravation | 1 |
| and negligent reporting You are now legally on notice and will be held fully liable for ongoing harm caused by these reporting errors. | 1 |
| and the imminent threat of losing my family home. I request immediate investigation | 1 |
| and any other damages resulting from the inaccuracies on my credit report.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,MA,021XX,,Consent provided,Web,2024-09-08,Closed with explanation,Yes,N/A,10064077 | 1 |
| loss of credit opportunities | 1 |
| and time spent resolving this.,,EQUIFAX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| incomplete | 13 |
| 15 U.S.C. 1681 et seq. | 4 |
| and State Attorney General Pursue civil action for damages | 3 |
| and consumer protection has been recklessly disregarded. Your mishandling of my information | 3 |
| inaccurate | 3 |
| and I will not stop filing formal complaints | 2 |
| unverified | 2 |
| trying to make ends meet without the access to | 1 |
| TX XXXX XXXX XXXX XXXX | 1 |
| Federal Trade Commission ( FTC ) | 1 |
| or provide any documentation proving their accuracy or validity. Under FCRA | 1 |
| including all payments | 1 |
| XXXX XXXX : BMW employee XXXX calls asking if repossession is correct ( proving even BMW employees were confused ) Early XX/XX/XXXX : Finally able to retrieve personal property after 2+ weeks XX/XX/XXXX : Received bill for {$31000.00} WHAT I'M REQUESTING : Remove the repossession from my credit reports ( XXXX | 1 |
| and that I receive written confirmation within the legally required time frame. Failure to address these issues will leave me no choice but to pursue all available remedies under federal and state law | 1 |
| distressed | 1 |
| and XXXX Attorney General - A civil lawsuit under 15 U.S.C. 1681n and 1681o | 1 |
| including fraudulent manipulation of loan documents | 1 |
| I am prepared to settle this matter with the following one-time offer : Settlement Amount : [ {$4000.00} ] Removal of the following Inaccurate accounts from My Credit Report Account Name : XXXX XXXX Account Number : XXXX {$1200.00} Account Name : XXXX XXXX Account Number : XXXX {$980.00} Account Name : XXXX XXXX Account Number : XXXX {$5500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Furthermore | 1 |
| I have suffered damages | 1 |
| block fraudulent information ( 1681c-2 ) | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About emotional distress
emotional distress has accumulated 55 consumer complaints in the CFPB public database, with filings active across 35 U.S. states. Of those submissions, 47 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 ADDR, and the most recent logged activity is You are le, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, emotional distress 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 "yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i", and the single most common underlying issue is "incomplete".
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 emotional distress: 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 emotional distress have?
emotional distress has received 55 consumer complaints filed with the Consumer Financial Protection Bureau.
Does emotional distress respond to complaints on time?
emotional distress has a 0% timely response rate to CFPB complaints.
What is the most common complaint about emotional distress?
The most common issue reported against emotional distress is "incomplete" in the "yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
