CFPB Consumer Complaint Profile
MicroBilt / PRBC (formerly CL Verify)
1,835 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 1,835
- Total complaints
- Among the highest
- 786
- Last 12 months
- 92.2%
- Timely response
- Bottom quartile
- 45
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, MicroBilt / PRBC (formerly CL Verify) sits at #220, with 1,835 complaints logged. On-time replies land at 92.2%, the 22nd percentile for the 100+ complaint peer group.
- #220
- of 3,843 companies by volume
- 92.2%
- on time (22nd pctile)
- Credit reporting or …
- most-complained product
- 45
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
MicroBilt / PRBC (formerly CL Verify) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.2% Among the lowest higher than 22% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 514 in 2024 to 773 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2013 | 3 |
| 2014 | 4 |
| 2015 | 7 |
| 2016 | 7 |
| 2017 | 15 |
| 2018 | 17 |
| 2019 | 28 |
| 2020 | 59 |
| 2021 | 123 |
| 2022 | 34 |
| 2023 | 125 |
| 2024 | 514 |
| 2025 | 773 |
| 2026year in progress | 125 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for MicroBilt / PRBC (formerly CL Verify)
1,835 complaints against MicroBilt / PRBC (formerly CL Verify) appear in the CFPB record, including 786 from the trailing year. The 45 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
MicroBilt / PRBC (formerly CL Verify)'s timely response rate stands at 92.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 8% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does MicroBilt / PRBC (formerly CL Verify) have?
1,835 complaints have been filed against MicroBilt / PRBC (formerly CL Verify) with the CFPB overall - 786 of them in the past year.
Does MicroBilt / PRBC (formerly CL Verify) respond to complaints on time?
MicroBilt / PRBC (formerly CL Verify) has a 92.2% timely response rate to CFPB complaints.
What product generates the most complaints for MicroBilt / PRBC (formerly CL Verify)?
Among all products tied to MicroBilt / PRBC (formerly CL Verify), "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with MicroBilt / PRBC (formerly CL Verify)?
"Incorrect information on your report" is the single most frequently cited issue in complaints against MicroBilt / PRBC (formerly CL Verify) - see all issues and counts above.
How do I file a complaint against MicroBilt / PRBC (formerly CL Verify)?
You can file a complaint against MicroBilt / PRBC (formerly CL Verify) directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about MicroBilt / PRBC (formerly CL Verify)?
The CFPB has recorded complaints against MicroBilt / PRBC (formerly CL Verify) from 45 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for MicroBilt / PRBC (formerly CL Verify): nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (1,835 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (8% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.