Total complaints
15
Filed since 1681
2026 data Public-data reference. official source
harmful
15 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
15 consumer complaints filed with the CFPB
This profile shows harmful's complaint history from CFPB public records. 15 consumers have filed complaints since 1681. The company has a 0% timely response rate and has provided relief in 0% of cases.
15
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
4
States Active
1681
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.
harmful complaint mix by product
- which restricts 10 66.7% – 0% relief
- charge-off 3 20.0% – 0% relief
- your company 1 6.7% – 0% relief
- XXXX continues 1 6.7% – 0% relief
How harmful's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| which restricts the use of information not relevant to evaluating a Consumers credit or character. Accounts Post-Discharge | 10 |
| charge-off | 3 |
| your company has reported the same medical collection twice on my credit report | 1 |
| XXXX continues to report the account and refuses to treat this as an identity theft case | 1 |
Top States
| State | Complaints |
|---|---|
| and in direct violation of the FCRAdditionally | 10 |
| and unlawful. I demand immediate and permanent DELETION of this account. | 3 |
| and unlawful. | 1 |
| and must be stopped.,,TRANSWORLD SYSTEMS INC,TX,77373,,Consent provided,Web,2025-06-20,Closed with explanation,Yes,N/A,14189220 | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| information that has been discharged through legal means must not be reported beyond the legally allowed time frame | 10 |
| misleading | 3 |
| 15 U.S.C. 1681 | 1 |
| unauthorized payments made by an identity thief do not make a fraudulent account legitimate. This justification violates my rights under FCRA 1681c-2 | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About harmful
harmful has accumulated 15 consumer complaints in the CFPB public database, with filings active across 4 U.S. states. Of those submissions, 14 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 1681, and the most recent logged activity is XXXX681 ( , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, harmful 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 "which restricts the use of information not relevant to evaluating a Consumers credit or character. Accounts Post-Discharge", and the single most common underlying issue is "information that has been discharged through legal means must not be reported beyond the legally allowed time frame".
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 harmful: 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 harmful have?
harmful has received 15 consumer complaints filed with the Consumer Financial Protection Bureau.
Does harmful respond to complaints on time?
harmful has a 0% timely response rate to CFPB complaints.
What is the most common complaint about harmful?
The most common issue reported against harmful is "information that has been discharged through legal means must not be reported beyond the legally allowed time frame" in the "which restricts the use of information not relevant to evaluating a Consumers credit or character. Accounts Post-Discharge" product category.
Read our methodology — how this data is sourced, computed, and verified.
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