Companies › Credit reporting or other personal consumer reports
Who is complaining aboutFactorTrust, Inc.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
0
617 in the 12 months before · 1,915 since 2014
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
The CFPB complaint database holds 1,915 complaints about FactorTrust, Inc., received between 24 Nov 2014 and 5 Apr 2025. None arrived in the 12 months to 1 Oct 2026.
FactorTrust, Inc. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
67.5% of the complaints on file fall under the CFPB product category “Credit reporting or other personal consumer reports”, followed by “Credit reporting, credit repair services, or other personal consumer reports” at 31.3%. The issue selected most often was “Incorrect information on your report” (47.4%).
How the company's responses were recorded across all years: 99.8% closed with an explanation, 0.2% closed with non-monetary relief, 0% closed with monetary relief. 99.3% of responses were marked timely; the median among the 132 companies whose complaints mainly concern “Credit reporting or other personal consumer reports” is 99.9%.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 1 Oct 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | FactorTrust, Inc. | Peer median (132 companies) | All complaints nationally |
|---|---|---|---|
| Responses marked timely | 99.3% | 99.9% | 99.6% |
| Closed with monetary or non-monetary relief | 0.2% | 0% | 31.5% |
Peers are the 132 companies on this site whose largest complaint category is Credit reporting or other personal consumer reports and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone. Response shares for this company cover all years because it received fewer than 20 complaints in the last 12 months.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Credit reporting or other personal consumer reports1,293 · 67.5%
- Credit reporting, credit repair services, or other personal consumer reports599 · 31.3%
- Credit reporting11 · 0.6%
- Debt collection4 · 0.2%
- Payday loan, title loan, or personal loan3 · 0.2%
- All other categories5 · 0.3%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 907 | 47.4% |
| Improper use of your report | 375 | 19.6% |
| Problem with fraud alerts or security freezes | 277 | 14.5% |
| Problem with a company's investigation into an existing problem | 120 | 6.3% |
| Unable to get your credit report or credit score | 117 | 6.1% |
| Problem with a credit reporting company's investigation into an existing problem | 86 | 4.5% |
| Incorrect information on credit report | 6 | 0.3% |
| Credit monitoring or identity theft protection services | 5 | 0.3% |
| Written notification about debt | 4 | 0.2% |
| Unable to get credit report/credit score | 3 | 0.2% |
| Other CFPB issue categories | 15 | 0.8% |
Credit reporting or other personal consumer reports
1,293 complaints since 2011 (67.5% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 611 | 47.3% |
| Improper use of your report | 265 | 20.5% |
| Problem with fraud alerts or security freezes | 202 | 15.6% |
| Problem with a company's investigation into an existing problem | 120 | 9.3% |
| Unable to get your credit report or credit score | 91 | 7% |
| Other CFPB issue categories | 4 | 0.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 1,188 | 91.9% |
| Other personal consumer report | 105 | 8.1% |
Credit reporting, credit repair services, or other personal consumer reports
599 complaints since 2011 (31.3% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 296 | 49.4% |
| Improper use of your report | 110 | 18.4% |
| Problem with a credit reporting company's investigation into an existing problem | 86 | 14.4% |
| Problem with fraud alerts or security freezes | 75 | 12.5% |
| Unable to get your credit report or credit score | 26 | 4.3% |
| Other CFPB issue categories | 6 | 1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 579 | 96.7% |
| Other personal consumer report | 18 | 3% |
| Credit repair services | 2 | 0.3% |
Credit reporting
11 complaints since 2011 (0.6% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on credit report | 6 | 54.5% |
| Unable to get credit report/credit score | 3 | 27.3% |
| Improper use of my credit report | 2 | 18.2% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Other or no sub-product recorded | 11 | 100% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation1,911 · 99.8%
- Closed with non-monetary relief3 · 0.2%
- Closed1 · 0.1%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| No public response category recorded | 1,905 | 99.5% |
| Company believes it acted appropriately as authorized by contract or law | 6 | 0.3% |
| Company believes the complaint is the result of a misunderstanding | 2 | 0.1% |
| Company can't verify or dispute the facts in the complaint | 1 | 0.1% |
| Company disputes the facts presented in the complaint | 1 | 0.1% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Florida | 251 | 13.1% |
| Texas | 242 | 12.6% |
| California | 213 | 11.1% |
| Georgia | 189 | 9.9% |
| New York | 126 | 6.6% |
| Mississippi | 117 | 6.1% |
| Nevada | 60 | 3.1% |
| Tennessee | 56 | 2.9% |
| Virginia | 56 | 2.9% |
| Maryland | 51 | 2.7% |
| Michigan | 49 | 2.6% |
| Illinois | 46 | 2.4% |
Top 12 of 47 states with at least one complaint since 2011. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Credit reporting or other personal consumer reports, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about FactorTrust, Inc.?
0 in the 12 months to 1 Oct 2026 (617 in the 12 months before that) and 1,915 since 2014. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
FactorTrust, Inc. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
67.5% of complaints on file are filed under “Credit reporting or other personal consumer reports”. The issues selected most often were “Incorrect information on your report” (47.4%), “Improper use of your report” (19.6%), “Problem with fraud alerts or security freezes” (14.5%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does FactorTrust, Inc. respond to complaints?
99.8% were closed with an explanation, 0.2% with non-monetary relief and 0% with monetary relief; 99.3% of responses were timely (peer median 99.9%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 1 Oct 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.