in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title

252 consumer complaints filed with the CFPB

This page summarizes consumer complaints about in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title products filed with the CFPB. 252 complaints have been filed across 32 companies. The most commonly reported issue is "2. ( B ) the consumer is given the opportunity".

252
Total Complaints
32
Companies
2. ( B ) the consumer is given the opportunity
Top Issue

Companies with Most in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title Complaints

# Company Complaints
1 other than records of convictions of crimes which antedates the report by more than seven years. 177
2 other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 13
3 other than records of convictions of crimes which antedates the report by more than XXXX years. 10
4 and 313.15. 9
5 the State insurance authorities 7
6 to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 4
7 disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 313.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 313.7 ; ( iii ) You have given the consumer a reasonable opportunity 3
8 if the consumer agrees 3
9 disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party 2
10 establishes a code of fair information practices that governs the collection 2
11 to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.,,AMERICAN ADJUSTMENT BUREAU 1
12 or review or collection of an account of 1
13 INC.,TX,75180,,Consent provided,Web,2023-04-11,Closed with explanation,Yes,N/A,6824077 1
14 religion 1
15 INC.,TX,75180,,Consent provided,Web,2023-04-11,Closed with non-monetary relief,Yes,N/A,6827673 1
16 that such information may be disclosed to such third party? Because you never furnished my disclosures Exeter Finance stated that in order to be compliance under Fair Credit Reporting Act You are obligated to report what law says you can do without my written instructions. If I Gave Your Company My Written Instructions To Report this alleged account than please provide if you cant this is Identity Theft. Please furnished to me that you gave me all my Disclosures according to 15 USC 94 failing to do so makes this whole Alleged Fraud Regarding sharing your personal information with third parties 1
17 DEPT OF ED/XXXX XXXXXXXX. And lastly XXXX account number XXXX I want the late payment history removed effected immediately. According to 15 U.S. Code 1681D2AI ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; giving me the right to exclude all late payments without my consent,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
18 before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party 1
19 including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. 1
20 if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. 1
21 to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.,,EQUIFAX 1
22 to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
23 DEPT OF ED/XXXX XXXXXXXX. And lastly XXXX account number XXXX I want the late payment history removed effected immediately. According to 15 U.S. Code 1681D2AI ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; giving me the right to exclude all late payments without my consent,,EQUIFAX 1
24 to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NC,28269,,Consent provided,Web,2021-10-02,Closed with explanation,Yes,N/A,4773397 1
25 or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose 1
26 DEPT OF ED/XXXX XXXX 1
27 Section 2 also states a consumer 1
28 does it represent an asset of the bank? Is it a bank policy to first deposit money into an account before writing a check on that account? Where did the funds originate to fund the check? Did the bank originate the funds for the check or did the borrower originate the funds for the check? To the best of your knowledge 1
29 I have not received a Form 1099-C ( Cancellation of Debt ) for the forgiven amount. This failure to provide the necessary tax documentation has further complicated my financial obligations and legal responsibilities.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NC,28270,,Consent provided,Web,2024-07-17,Closed with explanation,Yes,N/A,9543348 1
30 Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ) 1
31 15 U.S. code 1681i- procedure in case of disputed accuracy 1
32 including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.,Company believes it acted appropriately as authorized by contract or law,NAVY FEDERAL CREDIT UNION,CA,91941,Servicemember,Consent provided,Web,2023-12-01,Closed with explanation,Yes,N/A,7934328 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title

252 consumer complaints have been filed with the CFPB under the "in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title" product category, naming 32 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system — the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, the single most common underlying consumer complaint is "2. ( B ) the consumer is given the opportunity". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief — two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share — the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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