Total complaints
11
Filed since 18 U
2026 data Public-data reference. official source
or both.
11 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
11 consumer complaints filed with the CFPB
This profile shows or both.'s complaint history from CFPB public records. 11 consumers have filed complaints since 18 U. The company has a 0% timely response rate and has provided relief in 0% of cases.
11
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
0
States Active
18 U
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.
or both. complaint mix by product
- [ XXXX 2 25.0% – 0% relief
- you have 1 12.5% – 0% relief
- I formally 1 12.5% – 0% relief
- 260 F. 1 12.5% – 0% relief
- utters or 1 12.5% – 0% relief
- regulation or 1 12.5% – 0% relief
- or without 1 12.5% – 0% relief
How or both.'s 11 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| [ XXXX : XXXX XXXX ] [ Contact Information : email XXXX ] Enclosures : [ documents ; copy of credit report | 2 |
| you have 30 days to complete your investigation. If you can not correct this information | 1 |
| I formally request that Equifax : 1. Conduct a full reinvestigation into the XXXX XXXX account 2. Correct or delete the account if it can not be verified with accurate and complete data 3. Remove the misleading designation of XXXX as the original creditor 4. Correct the account status to reflect the proper closed/collection status 5. Confirm or correct the date opened to reflect the original creditors date | 1 |
| 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXXL XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX | 1 |
| utters or possesses a counterfeited security of a State or a political subdivision thereof or of an organization | 1 |
| regulation or license issued thereunder may be fined not more than {$10000.00} | 1 |
| or without a permissible purpose by law | 1 |
| in or affecting commerce as commerce is defined in the Federal Trade Commission Act | 1 |
| FCRA | 1 |
| I would like to bring to your attention the implications of 18 U.S. Code 894 - Collection of Extensions of Credit by Extortionate Means | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| or conspires to do so | 4 |
| Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder | 1 |
| I request that you notify XXXX XXXX of this dispute and that validation of the alleged debt be provided pursuant to the Fair Debt Collection Practices Act ( FDCPA ) | 1 |
| XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX | 1 |
| utters or possesses a forged security of a State or political subdivision thereof or of an organization | 1 |
| may be imprisoned for not more than 10 years | 1 |
| I did not give CAPITAL ONE BANK CARD written authorization to list the inquiry on my credit report. Furthermore | 1 |
| directly or indirectly | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About or both.
or both. has accumulated 11 consumer complaints in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 10 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 18 U, and the most recent logged activity is Sincerely, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, or both. 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 "[ XXXX : XXXX XXXX ] [ Contact Information : email XXXX ] Enclosures : [ documents ; copy of credit report", and the single most common underlying issue is "or conspires to do so".
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 or both.: 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 or both. have?
or both. has received 11 consumer complaints filed with the Consumer Financial Protection Bureau.
Does or both. respond to complaints on time?
or both. has a 0% timely response rate to CFPB complaints.
What is the most common complaint about or both.?
The most common issue reported against or both. is "or conspires to do so" in the "[ XXXX : XXXX XXXX ] [ Contact Information : email XXXX ] Enclosures : [ documents ; copy of credit report" product category.
Read our methodology — how this data is sourced, computed, and verified.
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