How to file a complaint with the CFPB
The CFPB is a federal agency that takes complaints about debt collectors, credit reports, banks and other financial companies. It's free, and companies generally have to respond.
Updated October 11, 2026 · General information, not legal advice.
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What you can complain about
- Debt collection, including medical debt in collections
- Credit reports (dispute with the credit bureau first)
- Credit cards, bank accounts, loans and mortgages
- Money transfers and prepaid cards
Step by step
- 1Try the company firstSend a written dispute and keep a copy. Regulators take complaints more seriously when you've tried to resolve it.
- 2Gather your documentsLetters, bills, account statements and a short timeline with dates.
- 3File onlineGo to consumerfinance.gov/complaint, choose the product, and describe what happened and what you want.
- 4Watch for the responseThe CFPB sends your complaint to the company. Companies generally respond within 15 days, and you can tell the CFPB if you disagree.
Questions
Does filing a CFPB complaint work?
Often. Companies generally must respond, and many resolve complaints to avoid regulatory attention. Your complaint also helps the CFPB spot patterns.
Is it free?
Yes. Filing a complaint with the CFPB is free.