The Consumer Financial Protection Bureau, or CFPB, has begun accepting consumer complaints about credit reporting, giving consumers individual-level complaint assistance for the first time at the federal level.

The CFPB believes consumers should first file a dispute with the credit reporting company and get a response from the consumer reporting agency itself. The CFPB believes there are important consumer rights guaranteed by federal consumer financial law that may be best preserved by first going through the credit reporting company’s complaint process. Once that process is complete, if the consumer is dissatisfied with the resolution or if the consumer reporting agency does not respond, the CFPB states it is available to assist.

The CFPB also accepts complaints on credit cards, mortgages, bank accounts and services, consumer loans, and private student loans.

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