CFPB Complaint
A formal complaint filed with the federal Consumer Financial Protection Bureau against a bureau, lender, or collector.
A CFPB complaint is a formal complaint filed at consumerfinance.gov/complaint against a financial institution. The Consumer Financial Protection Bureau routes the complaint to the company, which has 15 days to respond. The CFPB tracks all complaints and uses patterns to drive enforcement actions.
For credit-repair purposes, file CFPB complaints when: (1) a credit bureau missed the FCRA 30-day response window, (2) a furnisher refused to investigate a §623(a)(8) direct dispute, (3) a collector violated FDCPA, (4) a bureau verified an item without producing the §611(a)(7) verification procedure.
Also called
Related terms
FCRA §611(a)(1) requires bureaus to investigate disputed items within 30 days. The bedrock dispute provision.
Federal law that regulates debt collectors. Gives consumers the right to demand validation of debts.
FCRA §623 sets the duties of furnishers (creditors) to report accurate information and respond to consumer disputes.
A follow-up dispute filed after a round-1 dispute returns 'verified as accurate' — usually MOV + direct furnisher.
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