CFPB · Single-product concentration
Cogent Road, Inc.
35 CFPB complaints · 74.3% in "Credit reporting, credit repair services, or other personal consumer reports" · top issue Improper use of your report.
Cogent Road, Inc.: 74.3% of 35 CFPB complaints sit in "Credit reporting, credit repair services, or other personal consumer reports". Timely 82.9% · relief 8.6%. Allegations, not findings.
- Single-product concentration
- -50% filings 2015 to 2024
CFPB relief outcome brief
CCDB company cogent-road-inc
8.6% relief · 82.9% timely · 35 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Freedom Financial Network (7.4% relief)
Cogent Road, Inc. closes 8.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Cogent Road, Inc.'s 35 filings include narrative text
42.9% 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.
Cogent Road, Inc. complaint mix by product
- Credit reporting, 26 74.3% – 12% relief
- Credit reporting 3 8.6% – 0% relief
- Mortgage 2 5.7% – 0% relief
- Credit reporting 2 5.7% – 0% relief
- Credit card 1 2.9% – 0% relief
- Bank account 1 2.9% – 0% relief
How Cogent Road, Inc.'s 35 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 26 |
| Credit reporting or other personal consumer reports | 3 |
| Mortgage | 2 |
| Credit reporting | 2 |
| Credit card | 1 |
| Bank account or service | 1 |
Concentrated filing states for Cogent Road, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 48.6% of this company's filings
Cogent Road, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 2
- -50% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 17 |
| LA | 3 |
| FL | 3 |
| NC | 2 |
| TX | 2 |
| OR | 1 |
| AL | 1 |
| DC | 1 |
| AR | 1 |
| CT | 1 |
| PA | 1 |
| VA | 1 |
| MS | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 18 |
| Incorrect information on your report | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Application, originator, mortgage broker | 2 |
| Incorrect information on credit report | 2 |
| Other | 1 |
| Account opening, closing, or management | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 100% |
| 2016 | 1 | 100% |
| 2017 | 4 | 50% |
| 2018 | 5 | 80% |
| 2019 | 2 | 100% |
| 2020 | 3 | 66.7% |
| 2021 | 8 | 100% |
| 2022 | 5 | 80% |
| 2023 | 1 | 100% |
| 2024 | 2 | 50% |
Source: CFPB Consumer Complaint Database
Cogent Road, Inc. filings cluster in one product
Cogent Road, Inc.'s 35 logged complaints stay concentrated: only 13 states show a filing. 42.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2024-09-26.
Cogent Road, Inc. answers 82.9% of complaints inside the CFPB's tracked window and closes 88.6% with a written explanation. 8.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" 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 Cogent Road, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cogent Road, 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: 35.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 82.9%.
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 Cogent Road, Inc. (82.9% timely; 8.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration