Total complaints
24
Filed since 5. )
2026 data Public-data reference. official source
late payments
24 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
24 consumer complaints filed with the CFPB
This profile shows late payments's complaint history from CFPB public records. 24 consumers have filed complaints since 5. ). The company has a 0% timely response rate and has provided relief in 0% of cases.
24
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
14
States Active
5. )
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.
late payments complaint mix by product
- misleading 3 18.8% – 0% relief
- collections 3 18.8% – 0% relief
- XXXX XXXX 3 18.8% – 0% relief
- e.g. 2 12.5% – 0% relief
- Equifax 2 12.5% – 0% relief
- including : 2 12.5% – 0% relief
- I submitted 1 6.3% – 0% relief
How late payments's 24 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| misleading | 3 |
| collections | 3 |
| XXXX XXXX | 3 |
| e.g. | 2 |
| Equifax | 2 |
| including : Any signed applications or contracts Copies of ID they claim were used Any IP addresses | 2 |
| I submitted an FTC Identity Theft Affidavit disputing XXXX fraudulent collection accounts on my credit report under CFPB complaint # XXXX | 1 |
| SMS | 1 |
| XXXX | 1 |
| confirming that this account is the result of unauthorized activity. I have also notified the credit bureaus and the furnisher that this account is fraudulent and must be removed under the Fair Credit Reporting Act ( FCRA ). I am creating this new case because the previous case did not result in proper correction | 1 |
| in XXXX XXXX | 1 |
| 60 days ( XXXX ) XXXX Credit Report XXXX XXXX XXXX XXXX Now Closed XX/XX/XXXX Past due {$760.00} Collection/Charge-off XXXX Credit Report & Scores EDC/Esusu/Sands Closed XX/XX/XXXX XXXX {$0.00} XXXX XXXX but XXXX XXXX XXXX Credit Report & Scores Equifax XXXX Current Orig. {$9400.00} Paid | 1 |
| sudden drop in my credit score reported by Equifax. This erroneous drop was alarming especially since my credit scores from XXXX and XXXX had gone up a few points. My credit score reported by Equifax made a sudden drop of 39 points from XXXX to XXXX. I monitor my credit scores closely and this sudden drop prompted me to carefully review my credit report for potential fraud or changes. No information on my credit report had changed. No factors including how much money I owe | 1 |
| I have identified negative and derogatory accounts that are being reported inaccurately | 1 |
| delinquencies | 1 |
Top States
| State | Complaints |
|---|---|
| or derogatory marks. | 3 |
| charge-offs | 3 |
| or chargeoffs as reported. The aforementioned accounts | 3 |
| & charge-offs to consumer reporting agencies without obtaining my written consent. These actions are in direct violation of federal laws and regulations designed to protect consumer privacy. | 3 |
| etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. | 2 |
| and all other negative history related to these fraudulent accounts | 2 |
| or charge-offs ; they are the result of identity theft and fraud. | 1 |
| or high-risk activity. | 1 |
| or negative activity connected to it. | 1 |
| collections | 1 |
| and inquiries listed below that remain on my credit report in violation of 15 U.S.C. 1681. Under the FCRA | 1 |
| or missed payments | 1 |
| bankruptcies | 1 |
| and collections must be accurate | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| A credit limit of {$5000.00} | 3 |
| charge-offs | 3 |
| XXXX | 3 |
| Experian | 1 |
| the accounts remain | 1 |
| XXXX under the account number XXXX ; a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX These accounts have resulted in several fraudulent chargeoffs | 1 |
| and notifications ) where I consistently provided accurate information including my SSN | 1 |
| Equifax | 1 |
| XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs | 1 |
| XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs | 1 |
| or acknowledgment of the fraudulent nature of this account. This filing is intended to clearly document the facts | 1 |
| or phone numbers tied to the applications If they can not prove that I opened these accounts : Delete the XXXX XXXX and Discover accounts entirely from all of my credit reports ( Equifax | 1 |
| XXXX I received emails from both XXXX XXXX and XXXX XXXX about my latest credit score. I get these emails frequently. However | 1 |
| LATE PAYMENTS | 1 |
| no new accounts | 1 |
| or in a manner that is misleading and incomplete. I hereby dispute all negative | 1 |
| or phone numbers tied to the applications If they can not prove that I opened these accounts : Delete the American Express and XXXX accounts entirely from all of my credit reports ( XXXX | 1 |
| which are either being reported with incorrect balances | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About late payments
late payments has accumulated 24 consumer complaints in the CFPB public database, with filings active across 14 U.S. states. Of those submissions, 21 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 5. ), and the most recent logged activity is The inquir, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, late payments 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 "misleading", and the single most common underlying issue is "A credit limit of {$5000.00}".
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 late payments: 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.
Consumer Guides
Learn more about your rights and how to interpret complaint data.
Related Data
Explore additional financial data about companies, lenders, and institutions on our partner portals.
PlainBankData
Bank financial data — deposits, assets, branches, and regulatory filings for FDIC-insured institutions.
PlainAdvisorCheck
Financial advisor records — SEC and FINRA registration, disclosures, and disciplinary history.
PlainCU
Credit union data — financial performance, membership, rates, and NCUA regulatory information.
PlainInsurer
Insurance company data — financial strength, complaint ratios, market share, and state licensing.
PlainLender
Mortgage lender data — HMDA loan originations, approval rates, interest rates, and lending patterns.
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 late payments have?
late payments has received 24 consumer complaints filed with the Consumer Financial Protection Bureau.
Does late payments respond to complaints on time?
late payments has a 0% timely response rate to CFPB complaints.
What is the most common complaint about late payments?
The most common issue reported against late payments is "A credit limit of {$5000.00}" in the "misleading" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
