Loading
The CFPB doesn't sue companies for you, but a well-filed complaint creates a public record, triggers a 60-day company response window, and becomes evidence for federal court. This is the most powerful free tool consumers have — and most don't use it well.
Get the LEGAL ENTITY name, not the brand. "LVNV Funding LLC" not "Resurgent". Check letters carefully — collectors often hide behind several layers. The CFPB company database (search at consumerfinance.gov) helps you confirm.
Product = debt collection / credit reporting / mortgage / credit card / etc. Issue = false statements / wrong amount / threatening contact / unable to dispute / etc. Picking precisely affects which CFPB analyst reviews your complaint.
Date of first contact → what they said/did → your response → their response → current status. CFPB pulls quoted language directly from your description into the public database. Be specific, factual, and dated.
Letters from the collector, call logs, credit reports, your dispute letters with certified-mail green cards, screenshot of phone harassment. PDFs are best. Strip your SSN — the public version of the complaint shows redacted documents.
Online portal is fastest (~15 minutes). Phone: 855-411-2372. Mail: CFPB, P.O. Box 2900, Clinton, IA 52733. Save the complaint number — that's your reference for everything that follows.
Company has 15 days to respond substantively + 60 days to provide a final response. Keep ALL communications inside the CFPB portal — that creates the official record both you and CFPB can later cite. Email outside the portal does not count.
If the conduct violates federal consumer protection law, the CFPB record becomes evidence for a private federal lawsuit. SynthCounsel's FDCPA / FCRA / TCPA federal complaint wizards build the federal complaint using your facts.
Free Q&A. Counsel knows the FDCPA / FCRA / TCPA cold and pulls every cite from the actual statute. Best for: parsing whether the company's response is responsive, deciding whether to escalate to federal court, framing the federal complaint.
SynthCounsel is a document preparation tool, not a law firm. No attorney-client relationship is created.