CFPB · Narrative-heavy record
Chaparral Inc
22 CFPB complaints · 77.3% with narratives · top issue Improper use of your report.
Chaparral Inc: 77.3% of 22 filings include consumer narratives. Timely 100% · relief 27.3% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -50% filings 2015 to 2026
CFPB relief outcome brief
CCDB company chaparral-inc
27.3% relief · 100% timely · 22 filings · Debt collection
Same-product relief peers
Nearest relief peer: ONLINE Information Services, Inc. (27.8% relief)
Chaparral Inc closes 27.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Chaparral Inc's 22 filings include narrative text
77.3% 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.
Chaparral Inc complaint mix by product
- Debt collection 10 45.5% – 30% relief
- Credit reporting 4 18.2% – 0% relief
- Consumer Loan 3 13.6% – 33% relief
- Credit reporting, 3 13.6% – 67% relief
- Vehicle loan 2 9.1% – 0% relief
How Chaparral Inc's 22 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 10 |
| Credit reporting or other personal consumer reports | 4 |
| Consumer Loan | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Vehicle loan or lease | 2 |
Concentrated filing states for Chaparral Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 86.4% of this company's filings
Chaparral Inc falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2015
Top States
| State | Complaints |
|---|---|
| OH | 19 |
| MI | 2 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 4 |
| Written notification about debt | 3 |
| Managing the loan or lease | 3 |
| False statements or representation | 2 |
| Incorrect information on your report | 2 |
| Communication tactics | 2 |
| Unable to get your credit report or credit score | 1 |
| Repossession | 1 |
| Problems when you are unable to pay | 1 |
| Improper contact or sharing of info | 1 |
| Attempts to collect debt not owed | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 1 | 100% |
| 2017 | 3 | 100% |
| 2018 | 2 | 100% |
| 2019 | 2 | 100% |
| 2020 | 1 | 100% |
| 2022 | 1 | 100% |
| 2024 | 3 | 100% |
| 2025 | 6 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Chaparral Inc's narrative-rich complaint ledger
Chaparral Inc's 22 logged complaints stay concentrated: only 3 states show a filing. 77.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-01-21.
Chaparral Inc answers 100% of complaints inside the CFPB's tracked window and closes 72.7% with a written explanation. 27.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Improper use of 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 Chaparral Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Chaparral 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: 22.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Chaparral Inc (100% timely; 27.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record