Total complaints
718
Filed since ( 1
2026 data Public-data reference. official source
personal characteristics
718 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
718 consumer complaints filed with the CFPB
This profile shows personal characteristics's complaint history from CFPB public records. 718 consumers have filed complaints since ( 1 . The company has a 0% timely response rate and has provided relief in 0.3% of cases.
718
Total Complaints
0%
Timely Response
0%
Disputed
0.3%
Relief Provided
104
States Active
( 1
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0.3%
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 0.3%
Industry median
Share closed with monetary or non-monetary relief.
personal characteristics complaint mix by product
- oral 691 97.5% – 0% relief
- family 7 1.0% – 0% relief
- a 3 0.4% – 0% relief
- 15 U.S. 2 0.3% – 0% relief
- Consumer in 2 0.3% – 0% relief
- Congress enacted 2 0.3% – 0% relief
- accurate 2 0.3% – 0% relief
How personal characteristics's 718 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| oral | 691 |
| family | 7 |
| a consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally | 3 |
| 15 U.S. Code 1681a | 2 |
| Consumer in fact | 2 |
| Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency | 2 |
| accurate | 2 |
| GA XXXX Toll Free : XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings | 1 |
| You | 1 |
| XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | 1 |
| XXXX XXXX | 1 |
| OH XXXX PHONE : XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings | 1 |
| consumer reports can only be obtained for certain permissible purposes | 1 |
| is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; AND | 1 |
| only the last four digits of my social is to be viewable | 1 |
Top States
| State | Complaints |
|---|---|
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal | 375 |
| or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) | 42 |
| or mode of living. | 40 |
| or mode of living -The term consumer reporting agency means any person which | 17 |
| or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item | 13 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal | 11 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ) | 9 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer | 9 |
| or mode of living | 8 |
| or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) | 8 |
| or mode of living is obtained through personal interviews with neighbors | 7 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal | 7 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal | 7 |
| or mode of living. This information is used | 6 |
| or mode of living ( f ) The term consumer reporting agency means any person which | 5 |
| or mode of living ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ) | 4 |
| or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal | 4 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... | 4 |
| or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore | 4 |
| or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for This FCRA law explains what is in a consumer report | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| credit standing | 693 |
| creditstanding | 7 |
| 1 credit standing | 5 |
| XXXX | 2 |
| shall be discharged upon payment | 2 |
| confidential | 2 |
| credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) standing | 1 |
| INC is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX | 1 |
| XXXX XXXX | 1 |
| TRANSUNION | 1 |
| XXXX credit standing | 1 |
| INC is a debt collector AND SHOULD NOT HAVE MY PERSONAL/CONFIDENTIAL INFORMATION!! They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX | 1 |
| policy and every obligation herefore ot hereafter inciurred shall be discharded upon payment | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About personal characteristics
personal characteristics has accumulated 718 consumer complaints in the CFPB public database, with filings active across 104 U.S. states. Of those submissions, 11 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 pursuant 1, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, personal characteristics reports a 0% timely-response rate and has closed 0.6% of cases with a written explanation to the consumer. 0.3% 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 "oral", and the single most common underlying issue is "credit standing".
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 personal characteristics: 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 personal characteristics have?
personal characteristics has received 718 consumer complaints filed with the Consumer Financial Protection Bureau.
Does personal characteristics respond to complaints on time?
personal characteristics has a 0% timely response rate to CFPB complaints.
What is the most common complaint about personal characteristics?
The most common issue reported against personal characteristics is "credit standing" in the "oral" product category.
Read our methodology — how this data is sourced, computed, and verified.
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