Total complaints
5
Filed since I am
2026 data Public-data reference. official source
the Truth in Lending Act ( TILA )
5 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
5 consumer complaints filed with the CFPB
This profile shows the Truth in Lending Act ( TILA )'s complaint history from CFPB public records. 5 consumers have filed complaints since I am. The company has a 0% timely response rate and has provided relief in 0% of cases.
5
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
I am
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.
the Truth in Lending Act ( TILA ) complaint mix by product
- inaccurate 3 60.0% – 0% relief
- 2. bringing 1 20.0% – 0% relief
- many alleging 1 20.0% – 0% relief
How the Truth in Lending Act ( TILA )'s 5 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| inaccurate | 3 |
| 2. bringing the account to current good-standing | 1 |
| many alleging similar issues. This pattern of complaints suggests systemic issues within Upgrade 's practices that warrant further review for compliance with TILA | 1 |
Top States
| State | Complaints |
|---|---|
| Texas Finance Code | 3 |
| the Fair Credit Reporting Act ( FCRA ) | 1 |
| and the Fair Credit Reporting Act ( FCRA ).,,UPGRADE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| equifax | 2 |
| 4. pursuing legal action against Yamaha for violations of Federal law | 1 |
| and other consumer protection laws. Due to Upgrade 's persistent lack of transparency and ineffective communication | 1 |
| XXXX | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About the Truth in Lending Act ( TILA )
the Truth in Lending Act ( TILA ) has accumulated 5 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 5 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 I am, and the most recent logged activity is The CFPB ', giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, the Truth in Lending Act ( TILA ) 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 "inaccurate", and the single most common underlying issue is "equifax".
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 the Truth in Lending Act ( TILA ): 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 the Truth in Lending Act ( TILA ) have?
the Truth in Lending Act ( TILA ) has received 5 consumer complaints filed with the Consumer Financial Protection Bureau.
Does the Truth in Lending Act ( TILA ) respond to complaints on time?
the Truth in Lending Act ( TILA ) has a 0% timely response rate to CFPB complaints.
What is the most common complaint about the Truth in Lending Act ( TILA )?
The most common issue reported against the Truth in Lending Act ( TILA ) is "equifax" in the "inaccurate" product category.
Read our methodology — how this data is sourced, computed, and verified.
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