CFPB · Narrative-heavy record
Carchoice of Memphis, Inc.
4 CFPB complaints · 50% with narratives · top issue Repossession.
Carchoice of Memphis, Inc.: 50% of 4 filings include consumer narratives. Timely 50% · relief 0% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- +200% filings 2024 to 2025
CFPB relief outcome brief
CCDB company carchoice-of-memphis-inc
0% relief · 50% timely · 4 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Carchoice of Memphis, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Carchoice of Memphis, Inc. complaint mix by product
- Credit reporting 2 50.0% – 0% relief
- Vehicle loan 1 25.0% – 0% relief
- Debt collection 1 25.0% – 0% relief
How Carchoice of Memphis, Inc.'s 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 2 |
| Vehicle loan or lease | 1 |
| Debt collection | 1 |
Carchoice of Memphis, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 3
- +200% vs 2024
Top States
| State | Complaints |
|---|---|
| TN | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Repossession | 1 |
| Improper use of your report | 1 |
| False statements or representation | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 100% |
| 2025 | 3 | 33.3% |
Source: CFPB Consumer Complaint Database
Carchoice of Memphis, Inc.'s narrative-rich complaint ledger
Carchoice of Memphis, Inc.'s 4 logged complaints stay concentrated: only 1 state shows a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2025-09-22.
Carchoice of Memphis, Inc. answers 50% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Repossession."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Carchoice of Memphis, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Carchoice of Memphis, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 4.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 50%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Carchoice of Memphis, Inc. (50% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record