Total complaints
92
Filed since # #
2026 data Public-data reference. official source
implied
92 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
92 consumer complaints filed with the CFPB
This profile shows implied's complaint history from CFPB public records. 92 consumers have filed complaints since # # . The company has a 0% timely response rate and has provided relief in 0% of cases.
92
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
20
States Active
# #
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.
implied complaint mix by product
- impartiality 6 20.0% – 0% relief
- Section 604 6 20.0% – 0% relief
- Social Security 5 16.7% – 0% relief
- consumer reporting 4 13.3% – 0% relief
- a consumer 3 10.0% – 0% relief
- 15 USC 3 10.0% – 0% relief
- and certainly 3 10.0% – 0% relief
How implied's 92 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| impartiality | 6 |
| Section 604 ( a ) ( 2 ) | 6 |
| Social Security number | 5 |
| consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer. Neither XXXX | 4 |
| a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. I have not provided such consent to Equifax | 3 |
| 15 USC 1681 section 604 ( a ) ( 2 ) specifies that any consumer reporting agency may furnish a consumer report only under certain circumstances | 3 |
| and certainly not my written consent. Consequently | 3 |
| 15 U.S.C. 1681 | 3 |
| Congress has established that financial institutions have an ongoing obligation to respect their customers privacy and protect the confidentiality of their nonpublic personal information. Furthermore | 3 |
| Experian | 3 |
| section 604 ( a ) ( 2 ) states : In general | 3 |
| any agency can only obtain my consumer report in response to a request by the head of a state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency ). 15 USC 1681 section 604 | 3 |
| it is explicit that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the consumer. XXXX | 3 |
| 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. XXXX | 2 |
| any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX | 2 |
| it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies XXXX | 2 |
| it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies TransUnion | 2 |
| consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer. Neither Equifax | 2 |
| 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent for XXXX XXXX XXXX XXXX | 2 |
| 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. Equifax | 2 |
| consumer reporting agencies such as Experian are required to exercise their responsibilities with fairness | 2 |
| A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX XXXX the financial institution and XXXX | 2 |
| my credit was used and I received no benefit from the use of my credit. Upon checking my consumer report | 1 |
| which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for XXXX to furnish my information to consumer reporting agencies such as XXXX | 1 |
| consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither XXXX nor Experian | 1 |
| consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither Equifax nor XXXX | 1 |
| XXXX and XXXX are consumer reporting agencies | 1 |
| which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for Discover to furnish my information to consumer reporting agencies such as XXXX | 1 |
| I hereby revoke any and all consent given to XXXX | 1 |
| consumer reporting agencies like [ XXXX/Experian/XXXX ] are required to exercise their responsibilities with fairness | 1 |
| consumer reporting agencies like [ Equifax/XXXX ] are required to exercise their responsibilities with fairness | 1 |
| TransUnion | 1 |
| consumer reporting agencies like [ XXXXTransUnion ] are required to exercise their responsibilities with fairness | 1 |
| XXXX XXXX XXXX XXXX | 1 |
| A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' Carmax Auto Finance the financial institution and XXXX | 1 |
| which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for XXXX to furnish my information to consumer reporting agencies such as XXXX | 1 |
| 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. Equifax | 1 |
| A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and XXXX | 1 |
| Experian and XXXX are consumer reporting agencies | 1 |
| XXXX | 1 |
| A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' Hunter Warfield the financial institution and XXXX | 1 |
| under 12 CFR 1016.7 | 1 |
| any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to Experian | 1 |
| consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither XXXX nor XXXX | 1 |
| or TransUnionhave my consent | 1 |
| 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. XXXX | 1 |
| it is explicitly outlined that consumer reporting agencies are only permitted to furnish a consumer report upon the written instructions of the concerned consumer. Neither the financial institution furnishing information nor the consumer reporting agencies | 1 |
| a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Equifax | 1 |
Top States
| State | Complaints |
|---|---|
| or otherwise | 37 |
| or otherwise. | 17 |
| or assumedfor the reporting | 5 |
| or otherwiseis hereby revoked. | 5 |
| or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( See attached financial institutions ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) | 3 |
| written | 3 |
| or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. | 3 |
| or otherwise that may have been provided. | 3 |
| or otherwise. All forms of consent to XXXX | 2 |
| or otherwise is revoked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. XXXX XXXX states Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. | 2 |
| or otherwise. All forms of consent to TransUnion | 2 |
| or otherwiseto share or report my information. Any prior consent | 2 |
| or apparent authority for such use and from which the cardholder receives no benefit. | 1 |
| or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. | 1 |
| or otherwiseto Equifax | 1 |
| or otherwise. It is essential that these entities respect my rights and adhere to the provisions outlined in the Fair Credit Reporting Act.,,Kikoff Inc.,TX,770XX,,Consent provided,Web,2024-03-18,Closed with explanation,Yes,N/A,8574443 | 1 |
| or otherwise is revoked. | 1 |
| or XXXX XXXX | 1 |
| or otherwisepreviously given to Experian regarding the collection | 1 |
| or otherwise. Any purported consent previously granted to these entities is hereby revoked. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| XXXX | 7 |
| nor any Furnisher of information to credit agencies has obtained my written consent to furnish this information | 6 |
| and credit historyhas been furnished | 5 |
| and XXXX do not have my consent | 5 |
| and the information provider do not have my written consent to share my information. I revoke any previous consent | 3 |
| all consent | 3 |
| have my consent | 3 |
| TransUnion or any financial institution furnishing information to these agencies. Any previous consent | 3 |
| and respect for consumers rightstoprivacy.Furthermore | 3 |
| nor the furnisher of information to these agencies | 3 |
| or to the Furnisher | 3 |
| a subsidiary of XXXX XXXX XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and Consumer reporting agency | 3 |
| any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. The financial institution and Equifax do not have my consent to furnish this information | 3 |
| states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. XXXX and the consumer reporting agencies do not have my consent to furnish this information and do not have my written consent. Any and all consent to XXXX | 3 |
| and XXXX | 2 |
| and Experian possess my consent for such information sharing | 2 |
| Section 604 ( a ) ( 2 ) | 2 |
| XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent | 2 |
| and XXXX possess my consent for such information sharing | 2 |
| and I hereby revoke any and all prior consent | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About implied
implied has accumulated 92 consumer complaints in the CFPB public database, with filings active across 20 U.S. states. Of those submissions, 20 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 # # , and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, implied 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 "impartiality", and the single most common underlying issue is "XXXX".
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 implied: 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 implied have?
implied has received 92 consumer complaints filed with the Consumer Financial Protection Bureau.
Does implied respond to complaints on time?
implied has a 0% timely response rate to CFPB complaints.
What is the most common complaint about implied?
The most common issue reported against implied is "XXXX" in the "impartiality" product category.
Read our methodology — how this data is sourced, computed, and verified.
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