Data / Consumer complaints / IPAC'S Inc.

IPAC'S Inc.: 625 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against IPAC'S Inc.
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

IPAC'S Inc. drew 625 consumer complaints in the CFPB database in the three years to November 6, 2026, and 632 since 2014. The largest group, 588, was about credit reporting or other personal consumer reports, and the most common issue was “Problem with fraud alerts or security freezes” with 534. The company responded on time to 0.0% 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.

Watch this company's complaints Get every credit reporting or other personal consumer reports company Get credit reporting or other personal consumer reports in Illinois

625Complaints, last 3 years
632Complaints, all years
0.0%Responded on time
0.0%Closed with relief
4Products
Oct 22, 2026Latest received

Complaints by year

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

Year	Complaints
2026, to Nov 6	505
2025	114
2024	6
2023	3
2022	1
2018	1
2016	1
2014	1

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
Credit reporting or other personal consumer reports	588	94.1%
Debt collection	35	5.6%
Debt or credit management	1	0.2%
Payday loan, title loan, personal loan, or advance loan	1	0.2%

Issues

Issue	Complaints	Share
Problem with fraud alerts or security freezes	534	85.4%
Problem with a company's investigation into an existing problem	31	5%
Attempts to collect debt not owed	15	2.4%
Incorrect information on your report	12	1.9%
Written notification about debt	7	1.1%
Unable to get your credit report or credit score	6	1%
Improper use of your report	5	0.8%
Took or threatened to take negative or legal action	4	0.6%
Communication tactics	3	0.5%
False statements or representation	3	0.5%
Threatened to contact someone or share information improperly	3	0.5%
Received a loan you didn't apply for	1	0.2%
Unauthorized withdrawals or charges	1	0.2%

How the company responded

Company response	Complaints	Share
Untimely response	625	100%

States

State	Complaints	Share
Illinois	335	53.6%
Georgia	77	12.3%
Indiana	50	8%
Texas	29	4.6%
Florida	23	3.7%
Mississippi	22	3.5%
California	21	3.4%
Tennessee	9	1.4%
Arizona	8	1.3%
Kentucky	6	1%
New York	6	1%
Massachusetts	5	0.8%
Iowa	4	0.6%
Louisiana	4	0.6%
North Carolina	4	0.6%
Minnesota	3	0.5%
Alabama	2	0.3%
Arkansas	2	0.3%
Maryland	2	0.3%
Michigan	2	0.3%
Missouri	2	0.3%
Ohio	2	0.3%
Colorado	1	0.2%
Delaware	1	0.2%
Montana	1	0.2%

Latest 50 complaints

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

Received	Product	Issue	Company response	Source
October 22, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 22, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Untimely response	consumerfinance.gov
October 21, 2026	Debt collection	False statements or representation	Untimely response	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 20, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 19, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 15, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
October 15, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 15, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 14, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 14, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 13, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 13, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 12, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 12, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 12, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 12, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 9, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 8, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 8, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
October 8, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 8, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 7, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 7, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 7, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 6, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 6, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 6, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 5, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 2, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 2, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 2, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 2, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
October 1, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
September 30, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
September 30, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
September 29, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
September 29, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
September 29, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
September 29, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.gov
September 28, 2026	Debt collection	Attempts to collect debt not owed	Untimely response	consumerfinance.gov
September 28, 2026	Credit reporting or other personal consumer reports	Problem with fraud alerts or security freezes	Untimely response	consumerfinance.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.