CFPB · Narrative-heavy record
Creative Finance, Inc.
21 CFPB complaints · 42.9% with narratives · top issue Incorrect information on your report.
Creative Finance, Inc.: 42.9% of 21 filings include consumer narratives. Timely 100% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +300% filings 2021 to 2026
CFPB relief outcome brief
CCDB company creative-finance-inc
0% relief · 100% timely · 21 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
Creative Finance, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Creative Finance, Inc.'s 21 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.
Creative Finance, Inc. complaint mix by product
- Vehicle loan 11 52.4% – 0% relief
- Credit reporting, 5 23.8% – 0% relief
- Credit reporting 3 14.3% – 0% relief
- Debt or 1 4.8% – 0% relief
- Debt collection 1 4.8% – 0% relief
How Creative Finance, Inc.'s 21 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 11 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Credit reporting or other personal consumer reports | 3 |
| Debt or credit management | 1 |
| Debt collection | 1 |
Concentrated filing states for Creative Finance, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- WI
- 66.7% of this company's filings
Creative Finance, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +300% vs 2021
Top States
| State | Complaints |
|---|---|
| WI | 14 |
| IL | 3 |
| MN | 1 |
| AL | 1 |
| AZ | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 7 |
| Managing the loan or lease | 4 |
| Struggling to pay your loan | 2 |
| Credit monitoring or identity theft protection services | 2 |
| Repossession | 2 |
| Confusing or missing disclosures | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| False statements or representation | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 1 | 100% |
| 2022 | 4 | 100% |
| 2023 | 2 | 100% |
| 2024 | 4 | 100% |
| 2025 | 6 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
Creative Finance, Inc.'s narrative-rich complaint ledger
Creative Finance, Inc.'s 21 logged complaints stay concentrated: only 6 states show a filing. 42.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-05-19.
Creative Finance, Inc. answers 100% 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. "Vehicle loan or lease" 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 Creative Finance, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Creative Finance, 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: 21.
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 Creative Finance, Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record