Total complaints
148
Filed since ( B
2026 data Public-data reference. official source
in fact
148 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
148 consumer complaints filed with the CFPB
This profile shows in fact's complaint history from CFPB public records. 148 consumers have filed complaints since ( B . The company has a 0% timely response rate and has provided relief in 0% of cases.
148
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
62
States Active
( B
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.
in fact complaint mix by product
- XX/XX/XXXX 23 34.8% – 0% relief
- depending on 10 15.2% – 0% relief
- actual damages 8 12.1% – 0% relief
- and means 8 12.1% – 0% relief
- XXXX 7 10.6% – 0% relief
- XXXX 6 9.1% – 0% relief
- unauthorized credit 4 6.1% – 0% relief
How in fact's 148 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| XX/XX/XXXX | 23 |
| depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address | 10 |
| actual damages sustained by the consumer as a result of the failure or {$1000.00} | 8 |
| and means | 8 |
| XXXX | 7 |
| XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 6 |
| unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/year> ) | 4 |
| 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) | 3 |
| at the address specified by the person for such notices | 2 |
| that XXXX | 2 |
| XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 2 |
| XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 2 |
| the furnicher must promptly provide complete and accurate information to the CRA. In addition | 2 |
| and demanded documented evidence from them that supported the negative mark on that account. They replied with a letter that simply stated lol no ''. I am being facetious of course ; they in fact sent a full page letter that said lol no '' | 2 |
| any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual | 2 |
| AXCESS FINANCIAL s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| the sooner a loan modification could be worked out. The failure by Ocwen to expedite insurance payments during the rebuilding process prolonged the completion of my home. They lost documents which involved me having to fax documents multiple times to them. They issued checks to the wrong party | 1 |
| on XXXX XXXX | 1 |
| it is a Fact | 1 |
| to my dismay | 1 |
| they explained that I did not | 1 |
| ACE CASH EXPRESS s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| which was helpful | 1 |
| validating the debt. They were NOT able to provide any documentation with my signature because I NEVER agreed to do any business with them. Therefore this alleged debt CAN NOT be Validated. XXXX XXXX XXXX have failed to supply the demanded proof of the alleged debt | 1 |
| MERCANTILE ADJUSTMENT BU s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| under a false promise of it being a 0 % fixed payment deal. I have so many credit cards with 0 % APR deal | 1 |
| when in fact | 1 |
| EQUIFAX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| unauthorized credit pullsseveral ( 15 in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/2025 ) | 1 |
| and this is day # 7. Though the loan had been shown as paid off for several day | 1 |
| unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/XXXX ) | 1 |
| the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate | 1 |
| Miller and Stenno | 1 |
| so they can not take responsibility for it. I demanded to know where this login took place | 1 |
| MD XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX | 1 |
| TRANSUNION s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| the furnisher must promptly provide complete and accurate information to the CRA. In addition | 1 |
| its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe '' that information is inaccurate if you have knowledge | 1 |
| who has responded to my 3 complaints submitted to the CFPB has not answered the complaints and although she stated that I have not reported new information | 1 |
| a man came to my door | 1 |
| I resubmitted my application with the requested adjustments. About a month later | 1 |
| CHECK INTO CASH s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| on XX/XX/XXXX | 1 |
| the tickets arrived in my mobile app and were marked limited view. '' When I saw this prior to leaving for the event | 1 |
| the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnish.es information to one or more CRAs determines that the information provided is not complete or accurate | 1 |
| but prior to that process | 1 |
| MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WASHINGTON | 1 |
| before the time that such information is initially disclosed | 1 |
| I was going through severe personal and financial hardship | 1 |
| RISE s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official | 1 |
| MD XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 |
| which failed to receive a reply | 1 |
| *WHICH IS INCORRECT | 1 |
| I reviewed my cardmember agreement | 1 |
| I should have received my social security check | 1 |
| SYNCB/SHOPHQ PLCC s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| EXPERIAN s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| I received a text message from an unknown number | 1 |
| AMERICAN FIRST FINANCE s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| by XXXX XXXX XXXX | 1 |
| this duty manifests itself in different ways. First | 1 |
| XX/XX/2019 | 1 |
| I will outline next steps. XXXX ) I require pre-payment documentation including terms and conditions as well as all the above stated information by XXXX EST XXXX XX/XX/XXXX. XXXX ) As a consumer | 1 |
| despite my repeated requests and hardships ( XXXX | 1 |
| the XXXX responded | 1 |
| Dear XXXX XXXX | 1 |
| we were informed that this drastic increase was temporary. Relying on this assurance | 1 |
| my Yubikey broke | 1 |
| XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX | 1 |
| I contacted XXXX when the usual payment set for XX/XX/XXXX was still reflected on my upcoming payments | 1 |
| this practice was abusive. I assert that I was unreasonably taken advantage of to my lack of understanding of the risks | 1 |
| I was merely told that they have a complaint office that deals with these types matters. I left a detailed voice mail. Needless to say | 1 |
| AD ASTRA RECOVERY SERVIC s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud | 1 |
| Unifin Inc. is required to provide substantiation of the debt | 1 |
| I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below | 1 |
| knowing that the account I have with the true original creditor has a {$0.00} balance ( see attachment ). Therefore | 1 |
| as I have a current account with XXXX and never received a bill or notification that a debt was owed. She was unsure why and I let the representative know that I would have to call her back ( I was driving and not able to look up any specific details | 1 |
| XXXX by RPOST Registered XXXX Mail XXXX. In addition | 1 |
Top States
| State | Complaints |
|---|---|
| paid on time. The consumer reporting agencies must ensure all reported information is accurate. | 28 |
| inaccurate. In numerous instances | 22 |
| inaccurate. | 16 |
| it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. | 6 |
| inaccurate | 6 |
| reporting lawfully. So therefore | 5 |
| the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. | 3 |
| inaccurate. Fair Credit Reporting Act | 3 |
| against the law. | 3 |
| inaccurate.- CONSUMER STATEMENT- it is indeed a FACT that the following information on my consumer report is being reported INACCURATE! | 2 |
| inaccurate.18 If the person does not specify such an address | 2 |
| the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. | 2 |
| they are doing just the opposite.,,Ocwen Financial Corporation,NJ,08723,,Consent provided,Web,2017-06-15,Closed with explanation,Yes,N/A,2543556 | 1 |
| a determination on appeal made after the Appeals Department completed their review of the account records on XXXX XXXX | 1 |
| making the affiant believe that dividends were an invoice for a line of credit | 1 |
| owed a refund for the payments made for services not rendered. | 1 |
| pay {$1100.00} on XXXX XXXX | 1 |
| it was on my calendar to replenish it this year. | 1 |
| the information in the report is false. ) XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} | 1 |
| exists. The documentation they provided does NOT have my handwritten signature. For the record | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts | 22 |
| XX/XX/XXXX and XX/XX/XXXX ( equifax ) and XX/XX/XXXX | 13 |
| if ( a ) the consumer notified the person | 10 |
| FDCPA | 8 |
| a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official | 8 |
| must be 100 % verifiable ( not 99.9 % or less ) | 5 |
| my credit score has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership | 4 |
| XX/XX/XXXX and XX/XX/XXXX ( XXXX ) | 3 |
| XX/XX/XXXX and XX/XX/XXXX ( XXXX ) and XX/XX/XXXX | 3 |
| XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX | 3 |
| in fact | 2 |
| credit reputation | 2 |
| XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX | 2 |
| other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts furnished to XXXX | 2 |
| and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher | 2 |
| including those documents which I expressly demanded. They provided no email or phone number for me to contact to follow up or discuss the dispute. Ultimately | 2 |
| XX/XX/XXXX and XX/XX/XXXX ( XXXX ) and XX/XX/XXXX | 2 |
| I missed out on programs that might have helped me | 1 |
| XXXX XXXX | 1 |
| Navy Federal has been participating in racketeering activity as defined in 18 U.S. Code 1961 | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About in fact
in fact has accumulated 148 consumer complaints in the CFPB public database, with filings active across 62 U.S. states. Of those submissions, 114 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 ( B , and the most recent logged activity is ate Inform, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, in fact reports a 0% timely-response rate and has closed 0.7% 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 "XX/XX/XXXX", and the single most common underlying issue is "despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts".
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 in fact: 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 in fact have?
in fact has received 148 consumer complaints filed with the Consumer Financial Protection Bureau.
Does in fact respond to complaints on time?
in fact has a 0% timely response rate to CFPB complaints.
What is the most common complaint about in fact?
The most common issue reported against in fact is "despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts" in the "XX/XX/XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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