upon request

85 consumer complaints filed with the CFPB

This page summarizes consumer complaints about upon request products filed with the CFPB. 85 complaints have been filed across 11 companies. The most commonly reported issue is "clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester".

85
Total Complaints
11
Companies
clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester
Top Issue

Companies with Most upon request Complaints

# Company Complaints
1 free of charge 65
2 ink 7
3 during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose 3
4 that the consumer furnish proper identification. 2
5 the sources must be made available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 2
6 postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX Under ALSO KNOWN AS XXXX XXXX I In -accurate Transunion refused to Delete 1
7 or proprietary fraud monitoring outputs '' may not be disclosed. This is problematic because those are the categories of records that would ordinarily be relied upon to reach an authorized '' conclusion. If XXXX XXXX relied on those records 1
8 get the refund and credit back to my account. Was told that this will take 7-10 business days and she will personally contact me with update on XX/XX/XXXX XX/XX/XXXX XXXX 41 mins Spoke with customer service 1
9 not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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 1
10 undermining the consumer 's ability to exercise their right to dispute any incomplete or inaccurate information contained in their file. The statutory right provided by FCRA section 609 ( a ) ( 2 ) enables consumers to understand the true sources of any incomplete or inaccurate information in their file and helps them to address such errors more effectively. 1
11 postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Experian Report Number XXXX XXXX Under ALSO KNOWN AS XXXX XXXX - In -accurate - Experian refused to Delete 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for upon request

85 consumer complaints have been filed with the CFPB under the "upon request" product category, naming 11 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 upon request, the single most common underlying consumer complaint is "clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester". 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 upon request, 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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