AFSA Submits Comment on CFPB Complaint Database Issues
On March 2, AFSA submitted comments on an information request from the CFPB regarding its Consumer Response Intake Form. The CFPB routinely requests for comments on this information request, and AFSA takes the opportunity to share our observations on the consumer complaint portal.
In February 2026, the CFPB made some important changes to the consumer complaint portal in an effort to reduce the volume of credit reporting disputes submitted to the CFPB. Under the Fair Credit Reporting Act (FCRA), disputes about credit reporting are to be submitted to the furnisher of credit reporting information, or to the consumer reporting agency. In past years, there has been an exponential increase in credit reporting disputes being submitted to the CFPB complaint portal. As this is not the proper procedure under the FCRA, credit disputes sent to the CFPB clog up the processes of lenders and consumer reporting agencies who are required under the FCRA to investigate the disputes within given timeframes.
With the new changes to the CFPB complaint portal, consumers who have a credit dispute are urged to file that in the legally mandated manner and allow time for regular processing before proceeding with a CFPB complaint.
AFSA is grateful for this refinement to the CFPB complaint portal. We will continue to pursue ways of reducing the number of duplicative and redundant credit disputes in the system so that lenders can prioritize resolving legitimate disputes.
March 5th, 2026
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