Total complaints
66
Filed since -- -
2026 data Public-data reference. official source
misleading
66 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
66 consumer complaints filed with the CFPB
This profile shows misleading's complaint history from CFPB public records. 66 consumers have filed complaints since -- -. The company has a 0% timely response rate and has provided relief in 0% of cases.
66
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
47
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.
misleading complaint mix by product
- which claims 3 15.0% – 0% relief
- and it 3 15.0% – 0% relief
- without discharge 3 15.0% – 0% relief
- responsibility 3 15.0% – 0% relief
- 607 ( 3 15.0% – 0% relief
- this company 3 15.0% – 0% relief
- on and 2 10.0% – 0% relief
How misleading's 66 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| which claims to help customers build credit | 3 |
| and it can not excuse American Express from complying with statutes such as the FCRA | 3 |
| without discharge | 3 |
| responsibility | 3 |
| 607 ( B ) | 3 |
| this company requested and obtained a copy of my consumer report without my consent or a permissible purpose in violation of the FCRA ( see 15 U.S.C. 1681b for permissible purposes ; 15 U.S.C. 1681q regarding obtaining a report under false pretenses ). This conduct has violated my privacy | 3 |
| on and for the public record | 2 |
| I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The response provided | 2 |
| authorization | 2 |
| my credit reports continue to display outdated | 2 |
| LA XXXX Any other variations of my name | 1 |
| this account violates several consumer protection laws. First | 1 |
| XXXX updated the account to Paid and Closed instead of deleting it | 1 |
| I am requesting the following actions from **Jefferson Capital** : 1. **Provide proof of permissible purpose** for accessing and reporting my personal information to the credit bureaus | 1 |
| Wilber & Associates proceeded to make numerous unauthorized phone calls to me | 1 |
| XXXX XXXX XXXX Compliance Department XXXX After receiving this response | 1 |
| I am writing to formally dispute the collection account # XXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost | 1 |
| which is both inaccurate and misleading. Law : FCRA 607 ( b ) requires maximum possible accuracy | 1 |
| the data being furnished does not comply with XXXX XXXX standards or the CDIA guidelines. The accounts contain : Conflicting opening dates Incorrect balance histories Missing or incorrect ECOA codes Missing or unverifiable Date of First Delinquency Inconsistent payment history fields Incorrect account status codes Outdated information that does not match any actual records Because the information being reported is incomplete | 1 |
| deceptive | 1 |
| despite active disputes XXXX obtained a XXXX judgment without proper service of required business records After court proceedings began | 1 |
| the three credit bureaus are reporting conflicting information about this account : XXXX shows the last update as XX/XX/XXXX with a charge-off XXXX shows the last update as XX/XX/XXXX with a different charge-off status and a different closed date XXXX shows the last update as XX/XX/XXXX with yet another derogatory status The dates | 1 |
| I am writing to formally dispute the collection account XXXX XXXXXXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost | 1 |
| yet derogatory history is displayed Inconsistent delinquency reporting ( XXXX / XXXX / XXXX / 120 days late ) without supporting payment history Key account fields missing or blank ( account type | 1 |
| Equifax is reporting the following accounts that I have never opened | 1 |
| when my federal loans were paid in full through consolidation | 1 |
| and failure to provide documentation of these alleged late payments constitutes a violation. The bureau has not conducted a proper reinvestigation despite my dispute | 1 |
| Experian updated the account to Paid and Closed instead of deleting it | 1 |
| despite all previous servicers accepting internet payments ( or app payments ) | 1 |
| Account XXXX | 1 |
| WA XXXX This address is falsely associated with my credit profile. I have no connection to this property through residence | 1 |
| Experian has engaged in a repeated and fraudulent pattern of re-aging charged-off accounts by allowing monthly updates well into XXXX on accounts that were closed and charged off in XXXX. These include XXXX XXXX XXXX ( ending in XXXX ) | 1 |
| almost word for word | 1 |
| despite active disputes XXXX obtained a default judgment without proper service of required business records After court proceedings began | 1 |
| this account was deleted from both XXXX XXXX XXXX | 1 |
| identifying my specific account ; A complete chain of custody tracing this specific debt from origin to PRA ; A copy of any signed contract or application bearing my signature ; Proof that a Form 1099-C was not issued if the original creditor charged off or canceled the debt ; An itemized accounting of all charges | 1 |
| which by the way is 90 plus days old. And just now she requests this. As there is nothing else she could think of coming up with to avoid sending this file for review and approval. This request from Ms. XXXX on behalf of Wells Fargo is e-legal | 1 |
| unverifiable | 1 |
| has an amount past due of {$0.00} | 1 |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 |
| I have repeatedly requested validation of this alleged debt | 1 |
| legal disclosures | 1 |
| rented | 1 |
| this complaint is intended to protect my federally consumers rights and to ensure that it protect the consumer against inaccurate and unfair practices | 1 |
| I appeared in court for case no. XXXX | 1 |
| LVNV Funding and Resurgent Capital Services | 1 |
| I asked Capital One for the address to submit a written dispute under FCRA and ECOA. Capital One agents either refused | 1 |
| this dismissed and canceled case continues to be reported by XXXX | 1 |
| XX/XX/XXXX | 1 |
| Mariner Finance has not issued a Form 1099-C to notify me of the cancellation of debt | 1 |
Top States
| State | Complaints |
|---|---|
| and predatory | 3 |
| and deceptive conduct. | 3 |
| and materially harmful | 3 |
| and unverifiable information regarding an auto loan account that was repossessed in XX/XX/year>. Despite being charged off | 3 |
| and non-compliant with federal law. | 3 |
| and inaccurate derogatory information in violation of federal law and Metro 2 standards. | 3 |
| unproven statements | 2 |
| and unfair practices. | 2 |
| or unverifiable information. | 2 |
| and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so | 2 |
| and unlawful because XXXX simultaneously informed the Court : It can not proceed | 2 |
| and do not comply with the accuracy and relevancy requirements of the FCRA or the Metro 2 guidelines. | 2 |
| and unverifiable. | 2 |
| and must be deleted immediately. | 1 |
| and deceptive | 1 |
| and damaging to my creditworthiness. They must be permanently removed.,,EQUIFAX | 1 |
| or inaccurate information** reported by **Jefferson Capital** from my credit reports with XXXX XXXX | 1 |
| and vague | 1 |
| and not what the company agreed to. It also falsely suggests that I paid the collection agency | 1 |
| and extremely prejudicial to me as a consumer. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| this account has damaged my credit profile rather than improved it. XXXX XXXX heavily markets their product as a credit-building tool | 3 |
| and the Truth in Lending Act ( TILA ). Furthermore | 3 |
| XX/XX/XXXX | 3 |
| as reported by you | 3 |
| TransUnion | 3 |
| 1681e ( b ) | 3 |
| by way of a sworn Affidavit | 2 |
| did not constitute proper validation and failed to establish legal ownership | 2 |
| violating FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) | 2 |
| where I made it clear that updating the status is not acceptable | 2 |
| you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore | 2 |
| or agreement to any terms or representations by XXXX XXXX XXXX XXXX ( XXXX ). I explicitly reserve all rights | 2 |
| or unverifiable personal identifiers | 2 |
| abbreviations | 1 |
| the collection agency is required to provide proper validation of the debt before furnishing any data to consumer reporting agencies. I have not received any such validation. Second | 1 |
| including the **debt transfer** and **debt validation** documentation | 1 |
| because that is exactly what the company told the CFPB they would do. Instead | 1 |
| but the duplication of the same account doubles the harm to my credit file. This misrepresentation unfairly lowers my credit score twice for the same alleged debt | 1 |
| and unverifiable | 1 |
| tuition plan showing {$0.00} personal balance due | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About misleading
misleading has accumulated 66 consumer complaints in the CFPB public database, with filings active across 47 U.S. states. Of those submissions, 56 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 filing thi, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, misleading 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 "which claims to help customers build credit", and the single most common underlying issue is "this account has damaged my credit profile rather than improved it. XXXX XXXX heavily markets their product as a credit-building tool".
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 misleading: 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 misleading have?
misleading has received 66 consumer complaints filed with the Consumer Financial Protection Bureau.
Does misleading respond to complaints on time?
misleading has a 0% timely response rate to CFPB complaints.
What is the most common complaint about misleading?
The most common issue reported against misleading is "this account has damaged my credit profile rather than improved it. XXXX XXXX heavily markets their product as a credit-building tool" in the "which claims to help customers build credit" product category.
Read our methodology — how this data is sourced, computed, and verified.
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