Total complaints
17
Filed since At n
2026 data Public-data reference. official source
if applicable
17 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
17 consumer complaints filed with the CFPB
This profile shows if applicable's complaint history from CFPB public records. 17 consumers have filed complaints since At n. The company has a 0% timely response rate and has provided relief in 0% of cases.
17
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
12
States Active
At n
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.
if applicable complaint mix by product
- as detailed 5 35.7% – 0% relief
- XX/XX/XXXX 3 21.4% – 0% relief
- I request 2 14.3% – 0% relief
- the XXXX 1 7.1% – 0% relief
- in violation 1 7.1% – 0% relief
- I request 1 7.1% – 0% relief
- I am 1 7.1% – 0% relief
How if applicable's 17 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA | 5 |
| XX/XX/XXXX | 3 |
| I request that you immediately delete this account from my credit report in compliance with XXXX XXXX. XXXX and XXXX XXXX. XXXX. Under these provisions | 2 |
| the XXXX | 1 |
| in violation of Section 1005.11 ( c ) ( 1 ) | 1 |
| I request that you immediately delete this account from my credit report in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. Under these provisions | 1 |
| I am entitled to : A complete loss mitigation review by underwriting | 1 |
| but are not limited to | 1 |
| I will require at least 30 days to investigate this information | 1 |
| by failing to provide me with accurate information about... ( iii ) the status of any loss mitigation application that the borrower has submitted | 1 |
Top States
| State | Complaints |
|---|---|
| an updated copy of my credit report. | 3 |
| from the original lender. | 3 |
| an updated copy of my credit report. Enclosed are copies of my identification | 2 |
| in accordance with your Cardmember Agreement. Offer not valid for lodging stays that are paid for before the promotion start date or after the promotion end date. | 1 |
| notice that a provisional credit has been made final ). | 1 |
| file a Suspicious Activity Report ( SAR ) with the IRS under FinCEN Form 111 for potential fraud if you continue to report inaccurate or unverified information. | 1 |
| Documentation of every option evaluated | 1 |
| and myself. | 1 |
| file a Suspicious Activity Report ( SAR ) with the IRS under XXXX Form XXXX for potential fraud if you continue to report inaccurate or unverified information. Please respond within XXXX days of receipt of this letter. I look forward to receiving the requested documentation or confirmation that the account has been deleted from my credit file.,,EQUIFAX | 1 |
| and a copy of such deletion request shall be sent to me immediately. | 1 |
| file a Suspicious Activity Report ( SAR ) with the IRS under XXXX Form XXXX for potential fraud if you continue to report inaccurate or unverified information. Please respond within XXXX days of receipt of this letter. I look forward to receiving the requested documentation or confirmation that the account has been deleted from my credit file.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
| that the borrower has the right to appeal the denial of any loan modification option as well as the amount of time the borrower has to file such an appeal and any requirements for making an appeal | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| I am concerned that my credit report may contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft | 3 |
| XXXX I sent a Debt Validation Letter to XXXX | 3 |
| or failure to provide the required documentation | 3 |
| I am concerned that my credit report XXXX contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft | 2 |
| via the XXXX XXXX XXXX or by calling XXXX. Excludes The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. Excludes gift card purchases. Not valid for online retail purchases | 1 |
| then Chase also violated Section 1005.11 ( c ) ( 2 ) ( ii ) | 1 |
| deferral | 1 |
| continued payment of all property taxes and insurances made on my behalf with proof thereof | 1 |
| during this validation period | 1 |
| if any | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About if applicable
if applicable has accumulated 17 consumer complaints in the CFPB public database, with filings active across 12 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 At n, and the most recent logged activity is Under XXXX, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, if applicable 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 "as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA", and the single most common underlying issue is "I am concerned that my credit report may contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft".
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 if applicable: 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 if applicable have?
if applicable has received 17 consumer complaints filed with the Consumer Financial Protection Bureau.
Does if applicable respond to complaints on time?
if applicable has a 0% timely response rate to CFPB complaints.
What is the most common complaint about if applicable?
The most common issue reported against if applicable is "I am concerned that my credit report may contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft" in the "as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA" product category.
Read our methodology — how this data is sourced, computed, and verified.
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