Data / Consumer complaints / 90 Day Credit Experts
90 Day Credit Experts: 22 CFPB complaints, last 3 years
The full list. Companies with consumer complaints to the CFPB: 5,399 rows, $133.99. $10 of credit on sign-up, no card. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email. For agents and scripts: every list with its row count and price is at https://specstream.ai/data/lists.json.
Updated November 10, 2026. Source: CFPB Consumer Complaint Database.
90 Day Credit Experts drew 22 consumer complaints in the CFPB database in the three years to November 9, 2026, and 33 since 2023. The largest group, 14, was about debt or credit management, and the most common issue was “Didn't provide services promised” with 7. The company responded on time to 95.5% of the complaints, and 27.3% closed with monetary or other relief.
The request: Watch 90 Day Credit Experts: each new CFPB complaint by product and issue, with the date and the company response.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
- 22Complaints, last 3 years
- 33Complaints, all years
- 95.5%Responded on time
- 27.3%Closed with relief
- 3Products
- Oct 21, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 9 | 5 |
| 2025 | 11 |
| 2024 | 4 |
| 2023 | 13 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Debt or credit management | 14 | 63.6% |
| Credit reporting or other personal consumer reports | 7 | 31.8% |
| Debt collection | 1 | 4.5% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Didn't provide services promised | 7 | 31.8% |
| Charged upfront or unexpected fees | 4 | 18.2% |
| Problem with a company's investigation into an existing problem | 4 | 18.2% |
| Credit monitoring or identity theft protection services | 2 | 9.1% |
| Confusing or misleading advertising or marketing | 1 | 4.5% |
| Confusing or missing disclosures | 1 | 4.5% |
| Incorrect information on your report | 1 | 4.5% |
| Problem with customer service | 1 | 4.5% |
| Took or threatened to take negative or legal action | 1 | 4.5% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 16 | 72.7% |
| Closed with non-monetary relief | 5 | 22.7% |
| Closed with monetary relief | 1 | 4.5% |
States
| State | Complaints | Share |
|---|---|---|
| California | 3 | 13.6% |
| Alabama | 2 | 9.1% |
| Colorado | 2 | 9.1% |
| New York | 2 | 9.1% |
| Arizona | 1 | 4.5% |
| Florida | 1 | 4.5% |
| Georgia | 1 | 4.5% |
| Illinois | 1 | 4.5% |
| Massachusetts | 1 | 4.5% |
| Maryland | 1 | 4.5% |
| Mississippi | 1 | 4.5% |
| New Jersey | 1 | 4.5% |
| Oklahoma | 1 | 4.5% |
| Pennsylvania | 1 | 4.5% |
| South Carolina | 1 | 4.5% |
| Texas | 1 | 4.5% |
| Vermont | 1 | 4.5% |
Latest 22 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 21, 2026 | Debt or credit management | Confusing or missing disclosures | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Debt or credit management | Didn't provide services promised | Closed with non-monetary relief | consumerfinance.gov |
| September 10, 2026 | Debt or credit management | Didn't provide services promised | Closed with non-monetary relief | consumerfinance.gov |
| March 30, 2026 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Closed with non-monetary relief | consumerfinance.gov |
| January 20, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| December 27, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | consumerfinance.gov |
| November 25, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| October 30, 2025 | Debt or credit management | Didn't provide services promised | Closed with monetary relief | consumerfinance.gov |
| October 14, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| October 6, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| October 3, 2025 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| August 27, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| January 25, 2025 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| January 17, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| January 3, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 2, 2025 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| July 3, 2024 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | consumerfinance.gov |
| June 24, 2024 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| May 28, 2024 | Debt or credit management | Confusing or misleading advertising or marketing | Closed with explanation | consumerfinance.gov |
| March 6, 2024 | Debt or credit management | Problem with customer service | Closed with explanation | consumerfinance.gov |
| December 12, 2023 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| November 27, 2023 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Debt or credit management complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Consumer complaints in California
- Consumer complaints in Alabama
- Consumer complaints in New York
- All consumer complaints
Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.
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