Total complaints
88
Filed since ( A
2026 data Public-data reference. official source
free of charge
88 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
88 consumer complaints filed with the CFPB
This profile shows free of charge's complaint history from CFPB public records. 88 consumers have filed complaints since ( A . The company has a 0% timely response rate and has provided relief in 0% of cases.
88
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
2
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.
free of charge complaint mix by product
- upon request 65 85.5% – 0% relief
- whenever a 3 3.9% – 0% relief
- and unfair 3 3.9% – 0% relief
- Under FCRA 2 2.6% – 0% relief
- you are 1 1.3% – 0% relief
- XX/XX/year> XX/XX/year> 1 1.3% – 0% relief
- XX/XX/2024 XX/XX/2024 1 1.3% – 0% relief
How free of charge's 88 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| upon request | 65 |
| whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the Information concerning the Individual to whom the report relates. Per 15 U.S. Code g 1681I | 3 |
| and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness | 3 |
| Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ] | 2 |
| you are obligated as a data reporter to ensure this happens and if not | 1 |
| XX/XX/year> XX/XX/year> to XXXX | 1 |
| XX/XX/2024 XX/XX/2024 to XXXX | 1 |
| ( 2 ) that XXXX verification procedures were unreasonable | 1 |
| XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fax : ( XXXX ) XXXX **Subject : Request for Removal of Fraudulent Inquires from my ChexSystems XXXX Dear Sir/Madam | 1 |
| I am requesting a reinvestigation into the XXXX accounts held by LVNV | 1 |
| once Experian informed me that the dispute had been completed in which the results from I was given a report card of their performance without production of detail in lieu of their process and system of addressing my dispute | 1 |
| 000 | 1 |
| impartiality | 1 |
| actual damages sustained by the consumer as a result of the failure or {$1000.00} | 1 |
| it stated that the accounts I disputed were verified by your agency. Pursuant to 15 U.S. Code 1681i ( a ) 1 ( a ) | 1 |
| under 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] | 1 |
| XX/XX/2024 XX/XX/2024 to Experian | 1 |
| a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( VIOLATION ) FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY | 1 |
| including the business name and address | 1 |
Top States
| State | Complaints |
|---|---|
| conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information | 87 |
| conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester | 60 |
| if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 9 |
| clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester | 5 |
| if the completeness or accuracy of any Item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 3 |
| and a respect for the consumers right to privacy. 15 USC 1681e ( 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 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 3 |
| and XXXX. I have copies of all Letters. However | 2 |
| and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 2 |
| and Equifax. I have copies of all Letters. However | 1 |
| since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately | 1 |
| if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 1 |
| In general. Subject to subsection ( f ) | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About free of charge
free of charge has accumulated 88 consumer complaints in the CFPB public database, with filings active across 2 U.S. states. Of those submissions, 88 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 your agenc, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, free of charge 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 "upon request", and the single most common underlying issue is "clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester".
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 free of charge: 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 free of charge have?
free of charge has received 88 consumer complaints filed with the Consumer Financial Protection Bureau.
Does free of charge respond to complaints on time?
free of charge has a 0% timely response rate to CFPB complaints.
What is the most common complaint about free of charge?
The most common issue reported against free of charge is "clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester" in the "upon request" product category.
Read our methodology — how this data is sourced, computed, and verified.
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