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Data / Consumer complaints / Future Judgement Solutions

Future Judgement Solutions: 58 CFPB consumer complaints in the last 3 years

Future Judgement Solutions drew 58 consumer complaints in the CFPB database in the three years to November 6, 2026, and 72 since 2022. The largest group, 54, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 33. The company responded on time to 34.5% of the complaints, and 0.0% closed with monetary or other relief.

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.

  • 58Complaints, last 3 years
  • 72Complaints, all years
  • 34.5%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Jun 17, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 612
202523
202420
202315
20222

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.

ProductComplaintsShare
Debt collection5493.1%
Credit card35.2%
Debt or credit management11.7%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action3356.9%
Attempts to collect debt not owed915.5%
Communication tactics610.3%
Other features, terms, or problems35.2%
False statements or representation23.4%
Threatened to contact someone or share information improperly23.4%
Didn't provide services promised11.7%
Electronic communications11.7%
Written notification about debt11.7%

How the company responded

Company responseComplaintsShare
Closed with explanation4170.7%
Untimely response1729.3%

States

StateComplaintsShare
Florida712.1%
Pennsylvania610.3%
Texas610.3%
New York58.6%
California35.2%
Colorado35.2%
North Carolina35.2%
Georgia23.4%
Michigan23.4%
South Carolina23.4%
Wisconsin23.4%
Wyoming23.4%
Alabama11.7%
Arkansas11.7%
Illinois11.7%
Kentucky11.7%
Massachusetts11.7%
Maryland11.7%
Minnesota11.7%
Missouri11.7%
Mississippi11.7%
New Mexico11.7%
Ohio11.7%
Oklahoma11.7%
Oregon11.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
June 17, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 3, 2026Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
May 12, 2026Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
April 29, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
April 28, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
April 14, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
March 25, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
March 20, 2026Debt collectionElectronic communicationsUntimely responseconsumerfinance.gov
March 5, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
February 19, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
January 12, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
January 10, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
November 24, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
October 18, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
October 9, 2025Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
September 24, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 23, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
September 19, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 15, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 6, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 3, 2025Credit cardOther features, terms, or problemsUntimely responseconsumerfinance.gov
August 12, 2025Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
August 9, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 11, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 10, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 3, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 1, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 1, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 18, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 16, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 11, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 27, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 5, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 31, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 5, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 4, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 18, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 9, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 26, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 14, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 6, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 30, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 22, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 17, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 9, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 11, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 3, 2024Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
March 25, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 12, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 8, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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.