2026 data Public-data reference. official source

I have the right to request validation This is NOT a request for verification '' or proof of my mailing address

3 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

3 consumer complaints filed with the CFPB

This profile shows I have the right to request validation This is NOT a request for verification '' or proof of my mailing address's complaint history from CFPB public records. 3 consumers have filed complaints since Gram. The company has a 0% timely response rate and has provided relief in 0% of cases.

3
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
Gram
Since

Total complaints

3

Filed since Gram

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.

I have the right to request validation This is NOT a request for verification '' or proof of my mailing address complaint mix by product

Total complaints: 3

I have the right to request validation This is NOT a request for verification '' or proof of my mailing address complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 3 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Section 504: 3 complaints (100.0%), resolution 0.0% Section 504 100.0%
  • Section 504 3 100.0% 0% relief

How I have the right to request validation This is NOT a request for verification '' or proof of my mailing address's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Section 504 : Non-compliance with federal regulations designed to enforce the act 3

Top States

State Complaints
but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ) THE Thus 1
but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) THE Thus 1
but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT - ( ( XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) THE Thus 1

Top Issues

Issue Complaints
US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 1
US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 1
US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About I have the right to request validation This is NOT a request for verification '' or proof of my mailing address

I have the right to request validation This is NOT a request for verification '' or proof of my mailing address has accumulated 3 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 3 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 Gram, and the most recent logged activity is Gramm-Leac, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, I have the right to request validation This is NOT a request for verification '' or proof of my mailing address 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 "Section 504 : Non-compliance with federal regulations designed to enforce the act", and the single most common underlying issue is "US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15".

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 I have the right to request validation This is NOT a request for verification '' or proof of my mailing address: 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.

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 I have the right to request validation This is NOT a request for verification '' or proof of my mailing address have?

I have the right to request validation This is NOT a request for verification '' or proof of my mailing address has received 3 consumer complaints filed with the Consumer Financial Protection Bureau.

Does I have the right to request validation This is NOT a request for verification '' or proof of my mailing address respond to complaints on time?

I have the right to request validation This is NOT a request for verification '' or proof of my mailing address has a 0% timely response rate to CFPB complaints.

What is the most common complaint about I have the right to request validation This is NOT a request for verification '' or proof of my mailing address?

The most common issue reported against I have the right to request validation This is NOT a request for verification '' or proof of my mailing address is "US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15" in the "Section 504 : Non-compliance with federal regulations designed to enforce the act" product category.

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