or in addition to

438 consumer complaints filed with the CFPB

This page summarizes consumer complaints about or in addition to products filed with the CFPB. 438 complaints have been filed across 38 companies. The most commonly reported issue is "a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that".

438
Total Complaints
38
Companies
a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that
Top Issue

Companies with Most or in addition to Complaints

# Company Complaints
1 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 334
2 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 52
3 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) of this section that the consumer reporting agency furnish notifications under that subsection. 6
4 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or complete- ness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 4
5 if reasonably available ; I would like to receive a description of the procedures used to determine the accuracy and complete fairness of the information your agency found and used please include business names 3
6 if reasonably available ; 15 USC 1681n states : ( a ) In general 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 3
7 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; Im unaware of this debt. I didnt have an opportunity to dispute the information. If in fact you believe 3
8 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) of this section that the consumer reporting agency furnish notifications under that subsection. 2
9 if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 2
10 if reasonably available EXPERIAN HAS FAILED 4 TIMES to provide me with the information. 1
11 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the 1
12 nor was I given the business name and address of the furnisher of information contacted and the telephone number of the furnisher. This is a clear violation.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,GA,398XX,,Consent provided,Web,2022-05-27,Closed with explanation,Yes,N/A,5606821 1
13 you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 1
14 if reasonably available ; 611 - 15 U.S.C. 1681i Reinvestigations. Notwithstanding the time periods specified in section 611 ( a ) ( 1 ) 1
15 INC.,AL,350XX,,Consent provided,Web,2018-12-01,Closed with explanation,Yes,N/A,3088262 1
16 if reasonably available ; I have requested from Transunion to provide me with the name address and cont a number of the person or company used to verify this information and they refused to probed the information. I have a case if mistaken identity same name different social and I contacted the bankruptcy court listed and they said they do not verify reports and they do not verify social security numbers. So how did they verify this information? 1
17 INC.,SC,29115,,Consent provided,Web,2022-06-10,Closed with explanation,Yes,N/A,5658239 1
18 if reasonably available ; ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 1
19 if reasonably available ; ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 1
20 INC.,CA,90062,Servicemember,Consent provided,Web,2022-09-29,Closed with non-monetary relief,Yes,N/A,6030165 1
21 INC.,MO,63031,,Consent provided,Web,2022-04-09,Closed with explanation,Yes,N/A,5428487 1
22 INC.,NJ,08012,,Consent provided,Web,2016-12-19,Closed,Yes,No,2256470 1
23 ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 1
24 if reasonably available ;,,EQUIFAX 1
25 if reasonably available,,EQUIFAX 1
26 INC.,FL,32257,,Consent provided,Web,2021-09-01,Closed with explanation,Yes,N/A,4679784 1
27 INC.,AL,350XX,,Consent provided,Web,2018-12-01,Closed with explanation,Yes,N/A,3088263 1
28 INC.,TX,75052,,Consent provided,Web,2023-09-22,Closed with non-monetary relief,Yes,N/A,7591223 1
29 if reasonably available,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NJ,08854,,Consent provided,Web,2016-04-06,Closed with explanation,Yes,No,1866658 1
30 if reasonably available ; ( iv ) a notice that theconsumerhas the right to add a statement to theconsumersfiledisputing the accuracy or completeness of the information ; and ( v ) a notice that theconsumerhas the right to request under subsection ( d ) that theconsumer reporting agencyfurnish notifications under that subsection. 1
31 if reasonably available ;,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,32714,,Consent provided,Web,2023-07-28,Closed with explanation,Yes,N/A,7321166 1
32 if reasonably available ; '' I have never received any of those. 1
33 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 1
34 INC.,NH,033XX,,Consent provided,Web,2016-03-02,Closed with explanation,Yes,Yes,1813848 1
35 if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 1
36 INC.,GA,30274,,Consent provided,Web,2024-06-22,Closed with non-monetary relief,Yes,N/A,9325177 1
37 if reasonably available ; I am here. By requesting in good faith pursuant rule 1XXXX a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate. 1
38 INC.,GA,30097,,Consent provided,Web,2024-04-08,Closed with explanation,Yes,N/A,8723676 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for or in addition to

438 consumer complaints have been filed with the CFPB under the "or in addition to" product category, naming 38 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 or in addition to, the single most common underlying consumer complaint is "a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that". 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 or in addition to, 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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