Total complaints
39
Filed since 15 U
2026 data Public-data reference. official source
payment history
39 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
39 consumer complaints filed with the CFPB
This profile shows payment history's complaint history from CFPB public records. 39 consumers have filed complaints since 15 U. The company has a 0% timely response rate and has provided relief in 0% of cases.
39
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
21
States Active
15 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.
payment history complaint mix by product
- a financial 4 21.1% – 0% relief
- the following 3 15.8% – 0% relief
- I dispute 3 15.8% – 0% relief
- the consumer 3 15.8% – 0% relief
- payment history 2 10.5% – 0% relief
- no adverse 2 10.5% – 0% relief
- including but 2 10.5% – 0% relief
How payment history's 39 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| a financial institution may not | 4 |
| the following accounts remain on my reports and continue to harm me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also filed complaints with the BBB | 3 |
| I dispute the reporting of a second XXXX account ending in XXXX with a balance of {$1300.00} | 3 |
| the consumer disputed several accounts and collections that were reported inconsistently | 3 |
| payment history | 2 |
| no adverse item besides the conviction of crimes should be in your report. Any item that is a derogatory mark is not allowed into consumer reports without the consumers consent. Violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 1681s-2 ( a ) - XXXX XXXX XXXX XXXX inaccurate and misleading information to consumer reporting agencies | 2 |
| including but not limited to * * 609 ( a ) * * ( Right to Information ) | 2 |
| under 15 U.S.C. 1681 ( a ) and 1681b | 2 |
| XXXX | 2 |
| I dispute charge-off accounts | 2 |
| account ending in XXXX | 1 |
| 15 U.S.C. 1681s-2 ( b ) Furnisher must report accurate information Story : This account is being reported as a charge-off inaccurately. I have never missed payments or defaulted on this account in the manner reported | 1 |
| XXXX XXXX XXXX XXXX is a financial institution which is defined pursuant to XXXX usc XXXX ( XXXX ). Pursuant to XXXX XXXX XXXX ( b ) ( XXXX ) a financial institution | 1 |
| since they claimed I received {$550.00} when I only got {$380.00} Predatory | 1 |
| which is inaccurate and misleading. According to the FCRA 611 ( a ) | 1 |
| Transunion | 1 |
| thereby closing this matter | 1 |
| so many different loan companies all along with Department of Education and no help. Im ready for court! I have been excited knowing that I will have my 25 years in XX/XX/XXXX. I have been on an income based since the beginning of the loan. Ive only recently been late a few times since they keep raising my loan repayments. I started repayment 90 days after my graduation in XXXX with Department of Education. Department of a education was good to me in the first few years. Now that Im close I starting really looking at how to apply for the loan forgiveness. Im looking into things and they have changed so much | 1 |
| XXXX XXXX is a financial institution which is defined pursuant to 15 usc 6827 ( 4 ). Pursuant to 15 usc 6802 ( b ) ( 1 ) a financial institution | 1 |
| XXXX XXXX XXXX XXXX is a financial institution which is defined pursuant to 15 usc 6827 ( 4 ). Pursuant to 15 usc 6802 ( b ) ( 1 ) a financial institution | 1 |
| I never had an account | 1 |
| I have never provided written permission to have these accounts included in my credit profile. Under 15 U.S. Code 1681b ( a ) ( 2 ) | 1 |
| late payments require a complete and accurate payment history supported by actual business records | 1 |
| the issues surrounding this account include : Missing or incomplete documentation Inconsistent reporting dates Lack of notices or communication No itemized balance breakdown Unclear last activity date No proof of validation Not listed as disputed Appears only on XXXX Missing contract or agreement Unverified past due amount Unclear charge-off timeline Incomplete creditor category Inaccurate account classification Taken together | 1 |
Top States
| State | Complaints |
|---|---|
| overdraft history | 7 |
| or chain of custody records | 3 |
| and delinquency status | 3 |
| and account status across the bureaus. The consumer pointed out that these discrepancies violate 15 U.S.C. 1681e ( b ) | 3 |
| closed date and much more is incorrect. According to 15 USC 1681i ( 5 ) | 3 |
| charge-off status ) between a consumer and the entity reporting | 2 |
| or any form of valid documentation substantiating this late payment * *. | 2 |
| and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days | 2 |
| and reporting status. Accurate reporting is critical to prevent misleading portrayals of my financial behavior | 2 |
| credit card use | 1 |
| and account number. This creates a duplicate and misleading tradeline. | 1 |
| and account statements. If verification can not be provided | 1 |
| and deposit records to support this complaint. | 1 |
| and charge-off details | 1 |
| and any other information substantiating your claim. | 1 |
| and negatives history | 1 |
| authorized users | 1 |
| and debt owed is incorrect. The Account opened date | 1 |
| billing statement | 1 |
| legally required notices | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| disclose to a nonaffiliated third party any nonpublic personal information | 4 |
| CFPB | 3 |
| and likewise reported as XXXX days past due. This account appears to be either a duplicate reporting or an inaccurately recorded entry. Reporting XXXX separate accounts with different balances but identical identifying information and delinquency status creates confusion and materially misrepresents my credit profile. Under FCRA 611 ( a ) ( 1-5 ) | 3 |
| or without the necessary documentation. Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 3 |
| Account XXXX XXXX XXXX : # XXXX | 3 |
| * * 623 ( b ) * * ( Duties of Furnishers After Notice of Dispute ) | 2 |
| the latter not reported at all on Equifax or TransUnion. These accounts | 2 |
| nonpublic personal information is defined pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) as personally identifiable financial information | 2 |
| credit utilization | 1 |
| TRANSUNION | 1 |
| the account is still reported as derogatory with XXXX late payments. Additionally | 1 |
| I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect PORTFOLIO RECOV ASSOC to cooperate with the FTC in addressing these concerns. To resolve this promptly | 1 |
| reducing my ability to obtain loans | 1 |
| nonpublic personal information is defined pursuant to XXXX XXXX XXXX ( p ) ( XXXX ) ( i ) as personally identifiable financial information | 1 |
| restarting the clock and interest just as I was about to be debt-free Im requesting a full investigation into Stepstone Credits lending and refinance practices | 1 |
| original agreement | 1 |
| I require all documents relevant to this debt | 1 |
| changes made without my approval | 1 |
| I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EQUIFAX to cooperate with the FTC in addressing these concerns. To resolve this promptly | 1 |
| I will need to send them information regarding my account so the Dispute Department can process the dispute ''. I have asked for a signed application and date | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About payment history
payment history has accumulated 39 consumer complaints in the CFPB public database, with filings active across 21 U.S. states. Of those submissions, 32 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 15 U, and the most recent logged activity is Your next , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, payment history 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 "a financial institution may not", and the single most common underlying issue is "disclose to a nonaffiliated third party any nonpublic personal information".
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 payment history: 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 payment history have?
payment history has received 39 consumer complaints filed with the Consumer Financial Protection Bureau.
Does payment history respond to complaints on time?
payment history has a 0% timely response rate to CFPB complaints.
What is the most common complaint about payment history?
The most common issue reported against payment history is "disclose to a nonaffiliated third party any nonpublic personal information" in the "a financial institution may not" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
