AFSA Continues to Press for Change to CFPB Consumer Complaint Database
AFSA staff has filed comments in connection with two CFPB proposals relating to the CFPB consumer complaint portal. These were routine notices of existing information collections relating to the “Consumer Complaint Intake System Company Portal Boarding Form” and the “Consumer Response Intake Form.”
In our comments, AFSA reminded the CFPB of continued shortcomings in the operations of the CFPB complaint portal. Submissions to the portal have little to no quality control, forcing creditors to spend time and money responding to consumer complaints that often have no basis in fact. Also, the consumer complaint portal has evolved into an alternative method for submitting disputes about credit reporting issues, even though the Fair Credit Reporting Act specified that credit disputes are to be sent to the consumer reporting agencies and/or the data furnisher. Finally, AFSA has often asked the CFPB to refrain from publishing consumer complaint narratives, as such publication is not required under law and causes significant harms to creditors without providing corresponding benefits to consumers or competition.
January 28th, 2026