Total complaints
25
Filed since 7. )
2026 data Public-data reference. official source
outdated
25 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
25 consumer complaints filed with the CFPB
This profile shows outdated's complaint history from CFPB public records. 25 consumers have filed complaints since 7. ). The company has a 0% timely response rate and has provided relief in 0% of cases.
25
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
15
States Active
7. )
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.
outdated complaint mix by product
- XXXX 3 18.8% – 0% relief
- the following 3 18.8% – 0% relief
- I am 3 18.8% – 0% relief
- I have 2 12.5% – 0% relief
- I am 2 12.5% – 0% relief
- which I 2 12.5% – 0% relief
- INACCURATE 1 6.3% – 0% relief
How outdated's 25 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| XXXX | 3 |
| the following accounts still reflect inaccurate or potentially duplicative charge-off | 3 |
| I am entitled to accurate | 3 |
| I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data | 2 |
| I am disputing the following hard inquiries | 2 |
| which I dispute | 2 |
| INACCURATE | 1 |
| it must be deleted immediately XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * Issue : Late payments are reported on an account with a {$0.00} balance and no current delinquency Law : FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute and request an investigation into inaccurate information Story : This account is showing late payments even though it was paid and closed with a {$0.00} balance. This incorrect status harms my payment history and must be corrected or removed if the data can not be verified accurately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Not Reported Balance Owed : {$150.00} Chargeoff * * Issue : This self-reported charge-off is unverifiable and lacks necessary reporting details Law : Under FCRA Section 607 ( b ) | 1 |
| aggressive CFPB complaint letter against Happy Money | 1 |
| aggressive CFPB complaint letter against XXXX XXXX | 1 |
| I am demanding that Goldman Sachs Bank USA perform its obligation to credit and activate my Apple Card account immediately. Any failure to do so constitutes a breach of contract and may also violate federal consumer protection laws. Furthermore | 1 |
| 1681e ( b ) | 1 |
| Unpaid balance reported as a loss by the credit grantor. | 1 |
| account numbers ( last XXXX digits ) | 1 |
| account numbers ( last four digits ) | 1 |
| XXXX THEIR ABILITY TO MAKE PAYMENTS | 1 |
Top States
| State | Complaints |
|---|---|
| and have caused direct financial harm. | 3 |
| and duplicative entries | 3 |
| inaccurate | 3 |
| or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling | 2 |
| or non-compliant. | 2 |
| or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling | 2 |
| and/or unverifiable | 2 |
| and/or incomplete. This includes | 1 |
| and unauthorized information on my credit report. I am requesting full deletion of the accounts | 1 |
| and derogatory information on my credit reports across XXXX XXXX XXXX XXXX. This installment account has been charged off | 1 |
| and derogatory information on my credit reports across XXXX XXXX and Equifax. This installment account has been charged off | 1 |
| and lack full context. Federal law protects consumers from being denied financial products based on unverifiable | 1 |
| or unverifiable. | 1 |
| or unsupported. In light of these significant shortcomings | 1 |
| irrelevant or condescending. For example : a. On XX/XX/XXXX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| which proves that my application was denied based on negative items reported by the bureaus | 3 |
| or late payment statuses : Charge-Off Accounts : XXXX/XXXX Account # : XXXX * * * XXXX * * High Balance : {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX/XXXX Account # : XXXX * * * * High Balance : {$320.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * High Balance : {$26000.00} Date Opened : XX/XX/XXXX XXXX/XXXX XXXX Account # : XXXX * * * * * High Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX * * * * * * High Balance : {$20000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX Account # : * * * * High Balance : {$2500.00} Date Opened : XX/XX/XXXX Collection Accounts ( Possible Duplicates/Unverified ) : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 3 |
| and up-to-date information being reported to the credit bureaus. The data breach in question | 3 |
| and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ) | 2 |
| not initiated by me | 2 |
| you are governed by the Fair Credit Reporting Act ( FCRA ) | 2 |
| AND/OR INCOMPLETE INFORMATION ( FCRA VIOLATION ) : My right under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that all information furnished to consumer reporting agencies must be complete and accurate. '' Your reporting of this account is fundamentally flawed. I assert | 1 |
| payment history | 1 |
| which strengthens your demand for deletion since this account has aged past the legal window for collection or legal enforcement : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Date : XX/XX/XXXX Subject : Formal Complaint Illegal and Inaccurate Continued Reporting by Happy Money Account Charged Off | 1 |
| which strengthens your demand for deletion since this account has aged past the legal window for collection or legal enforcement : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Complaint Illegal and Inaccurate Continued Reporting by XXXX XXXX Account Charged Off | 1 |
| as determined by a third-party credit bureau | 1 |
| and the XXXX XXXX data reporting standards. Despite my request for a reinvestigation and documentary evidence supporting the accuracy of the disputed information | 1 |
| there is no assurance of its accuracy | 1 |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES | 1 |
| XXXX CAPITAL ONE BANK USA NA | 1 |
| XX/XX/XXXX until as recent as last night | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About outdated
outdated has accumulated 25 consumer complaints in the CFPB public database, with filings active across 15 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 7. ), and the most recent logged activity is You said :, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, outdated reports a 0% timely-response rate and has closed 4% 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", and the single most common underlying issue is "which proves that my application was denied based on negative items reported by the bureaus".
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 outdated: 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 outdated have?
outdated has received 25 consumer complaints filed with the Consumer Financial Protection Bureau.
Does outdated respond to complaints on time?
outdated has a 0% timely response rate to CFPB complaints.
What is the most common complaint about outdated?
The most common issue reported against outdated is "which proves that my application was denied based on negative items reported by the bureaus" in the "XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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