CFPB · Diversified product mix
CARS Acquisition, LLC
132 CFPB complaints · diversified mix (top product 34.8%) · top issue Incorrect information on your report.
CARS Acquisition, LLC: top product "Credit reporting or other personal consumer reports" is only 34.8% of 132 - multi-bucket mix. Timely 97% · relief 12.9%. Allegations, not findings.
- Diversified product mix
- +1900% filings 2015 to 2026
CFPB relief outcome brief
CCDB company cars-acquisition-llc
12.9% relief · 97% timely · 132 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Oportun Financial Corporation (12% relief)
CARS Acquisition, LLC closes 12.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of CARS Acquisition, LLC's 132 filings include narrative text
42.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
CARS Acquisition, LLC complaint mix by product
- Credit reporting 46 34.8% – 13% relief
- Vehicle loan 44 33.3% – 11% relief
- Debt collection 28 21.2% – 21% relief
- Credit reporting, 9 6.8% – 0% relief
- Consumer Loan 4 3.0% – 0% relief
- Payday loan, 1 0.8% – 0% relief
How CARS Acquisition, LLC's 132 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 | 46 |
| Vehicle loan or lease | 44 |
| Debt collection | 28 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Consumer Loan | 4 |
| Payday loan, title loan, or personal loan | 1 |
Where CARS Acquisition, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 16.7% of this company's filings
CARS Acquisition, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 20
- +1900% vs 2015
Top States
| State | Complaints |
|---|---|
| FL | 22 |
| TX | 17 |
| SC | 13 |
| GA | 12 |
| NC | 9 |
| AL | 9 |
| LA | 8 |
| NV | 6 |
| AZ | 5 |
| NY | 4 |
| NM | 4 |
| MD | 3 |
| MO | 3 |
| VA | 3 |
| CO | 2 |
| NJ | 2 |
| IL | 2 |
| MP | 1 |
| OH | 1 |
| IN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 37 |
| Managing the loan or lease | 20 |
| Improper use of your report | 14 |
| Attempts to collect debt not owed | 12 |
| Problem with a company's investigation into an existing problem | 8 |
| Took or threatened to take negative or legal action | 7 |
| Struggling to pay your loan | 5 |
| Problems at the end of the loan or lease | 5 |
| Getting a loan or lease | 5 |
| Written notification about debt | 4 |
| Problems when you are unable to pay | 3 |
| Repossession | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Unable to get your credit report or credit score | 1 |
| Communication tactics | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Taking out the loan or lease | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Disclosure verification of debt | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 0% |
| 2016 | 3 | 100% |
| 2017 | 2 | 100% |
| 2018 | 5 | 100% |
| 2019 | 5 | 100% |
| 2020 | 9 | 100% |
| 2021 | 9 | 100% |
| 2022 | 10 | 90% |
| 2023 | 11 | 90.9% |
| 2024 | 25 | 100% |
| 2025 | 32 | 100% |
| 2026 | 20 | 95% |
Source: CFPB Consumer Complaint Database
CARS Acquisition, LLC spreads across product buckets
CARS Acquisition, LLC's 132 logged complaints stay concentrated: only 24 states show a filing. 42.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-23.
CARS Acquisition, LLC answers 97% of complaints inside the CFPB's tracked window and closes 85.6% with a written explanation. 12.9% 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 "Incorrect information on your report."
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 CARS Acquisition, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CARS Acquisition, LLC: 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: 132.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97%.
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 CARS Acquisition, LLC (97% timely; 12.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix