Total complaints
1.2K
Filed since ( 1
2026 data Public-data reference. official source
or delete the item from the file in accordance with paragraph ( 5 )
1.2K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1.2K consumer complaints filed with the CFPB
This profile shows or delete the item from the file in accordance with paragraph ( 5 )'s complaint history from CFPB public records. 1,216 consumers have filed complaints since ( 1 . The company has a 0% timely response rate and has provided relief in 0% of cases.
1.2K
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
101
States Active
( 1
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 delete the item from the file in accordance with paragraph ( 5 ) complaint mix by product
- if the 792 81.7% – 0% relief
- Procedure In 81 8.4% – 0% relief
- and except 41 4.2% – 0% relief
- if the 39 4.0% – 0% relief
- if the 6 0.6% – 0% relief
- Procedure In 5 0.5% – 0% relief
- Procedure In 5 0.5% – 0% relief
How or delete the item from the file in accordance with paragraph ( 5 )'s 1.2K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 792 |
| Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 81 |
| and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 41 |
| if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 39 |
| if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 6 |
| Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information XXXX. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 5 |
| Procedure In Case of Disputed Accuracy a. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 5 |
| if the completeness or accuracy of any item of information contained in a consumer 's file as a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 3 |
| which includes the provision that credit bureaus must ensure the accuracy of the information they report. Section 1681i ( a ) of the FCRA states that : ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 3 |
| everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 3 |
| Procedure In Case of Disputed Accuracy Reinvestigations of Disputed Information Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 3 |
| Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information Reinvestigation Required In general. Subject to Subsection ( f ) | 3 |
| if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 3 |
| Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 3 |
| Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ) | 2 |
| if the completeness or accuracy of any Item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 2 |
| if the completeness or accuracy of any item of information contained in consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 2 |
| XXXX XXXX XXXX of XXXX XXXX. Reinvestigations of Disputed Information XXXX. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 2 |
| I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX XXXX XXXX account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ) | 1 |
| if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 1 |
| Procedure In Case of Disputed Accuracy 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ) | 1 |
| credit reporting agencies are obligated to verify the accuracy of disputed information within 30 days. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 1 |
| if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency directly | 1 |
| Procedure In Case of Disputed Accuracy ( a ) In general. Subject to Subsection ( f ) | 1 |
| and I have not received any communication regarding the status or resolution of my dispute. This prolonged delay is in direct violation of the FCRA 's requirements | 1 |
| if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency as disputed by the consumer and the consumer notifies the agency directly | 1 |
| If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 1 |
| I have written three certified letters ( attached ) to TransUnion regarding inaccuracies and FCRA violations of the CPW account on my TransUnion credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. Both of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ) | 1 |
| per 15 USC 1692 ( k ) : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681 ( o ) - Civil liability for negligent non-compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681 ( i ) ( 7 ) - Method of verification 9. Violations under 15 USC 1681 ( a ) ( 4 ) - Right to privacy 10. Violations under 15 U.S. Code 1681 ( c ) - Requirements relating to information contained in consumer reports The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate consumer disputes and respond within 30 days. This is specified in 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The statute states : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 1 |
| XXXX XXXX XXXXXXXX XXXX acct # XXXX | 1 |
| if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly | 1 |
Top States
| State | Complaints |
|---|---|
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 819 |
| before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 201 |
| before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 27 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.,,EQUIFAX | 16 |
| before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 12 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 12 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ) | 11 |
| before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 6 |
| before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 5 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I kindly request that you initiate an investigation into this matter in accordance with the FCRA. I ask that you promptly verify the accuracy of the disputed late payment information and make the necessary corrections to my credit report by removing this inaccurate information. | 3 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ) | 3 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore | 3 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Section 5 states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If | 3 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to | 3 |
| before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 2 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall | 2 |
| before the end of the 30-day period beginning on the date on which the agency ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information | 2 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C 1666b ( a ) Time to make payments | 2 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If | 2 |
| before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I DO NOT consent to any E-OSCAR verification as t | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| of such dispute | 901 |
| or indirectly through a reseller | 311 |
| or indirectly through a reseller of such dispute | 2 |
| which states that : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the dispute is directly conveyed to the agency by the consumer | 1 |
| XXXXXXXX XXXX acct # XXXX | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About or delete the item from the file in accordance with paragraph ( 5 )
or delete the item from the file in accordance with paragraph ( 5 ) has accumulated 1,216 consumer complaints in the CFPB public database, with filings active across 101 U.S. states. Of those submissions, 1,216 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 ( 1 , and the most recent logged activity is y ... ( a , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, or delete the item from the file in accordance with paragraph ( 5 ) reports a 0% timely-response rate and has closed 0.2% 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 "if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly", and the single most common underlying issue is "of such dispute".
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 delete the item from the file in accordance with paragraph ( 5 ): 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 or delete the item from the file in accordance with paragraph ( 5 ) have?
or delete the item from the file in accordance with paragraph ( 5 ) has received 1,216 consumer complaints filed with the Consumer Financial Protection Bureau.
Does or delete the item from the file in accordance with paragraph ( 5 ) respond to complaints on time?
or delete the item from the file in accordance with paragraph ( 5 ) has a 0% timely response rate to CFPB complaints.
What is the most common complaint about or delete the item from the file in accordance with paragraph ( 5 )?
The most common issue reported against or delete the item from the file in accordance with paragraph ( 5 ) is "of such dispute" in the "if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
