2026 data Public-data reference. official source

CreditNinja Lending, LLC

184 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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184 consumer complaints filed with the CFPB

This profile shows CreditNinja Lending, LLC's complaint history from CFPB public records. 184 consumers have filed complaints since 2018. The company has a 96.7% timely response rate and has provided relief in 6.5% of cases.

184
Total Complaints
96.7%
Timely Response
0%
Disputed
6.5%
Relief Provided
29
States Active
2018
Since

Total complaints

184

Filed since 2018

Timely response

96.7%

CFPB-tracked response window

Relief rate

6.5%

Closed with monetary or non-monetary relief

Timely response rate 96.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 6.5%
Industry median

Share closed with monetary or non-monetary relief.

CreditNinja Lending, LLC complaint mix by product

Total complaints: 184

CreditNinja Lending, LLC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 184 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Payday loan,: 78 complaints (42.6%), resolution 6.4% Payday loan, 42.6% Debt collection: 39 complaints (21.3%), resolution 7.7% Debt collection 21.3% Payday loan,: 31 complaints (16.9%), resolution 12.9% Payday loan, 16.9% Credit reporting: 25 complaints (13.7%), resolution 0.0% Credit reporting 13.7% Credit reporting,: 7 complaints (3.8%), resolution 0.0% Money transfer,: 2 complaints (1.1%), resolution 0.0% Credit card: 1 complaints (0.5%), resolution 0.0%
  • Payday loan, 78 42.6% – 6% relief
  • Debt collection 39 21.3% – 8% relief
  • Payday loan, 31 16.9% – 13% relief
  • Credit reporting 25 13.7% – 0% relief
  • Credit reporting, 7 3.8% – 0% relief
  • Money transfer, 2 1.1% – 0% relief
  • Credit card 1 0.5% – 0% relief

How CreditNinja Lending, LLC's 184 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Payday loan, title loan, personal loan, or advance loan 78
Debt collection 39
Payday loan, title loan, or personal loan 31
Credit reporting or other personal consumer reports 25
Credit reporting, credit repair services, or other personal consumer reports 7
Money transfer, virtual currency, or money service 2
Credit card 1
Debt or credit management 1

Top States

State Complaints
TX 67
FL 20
SC 12
CA 12
AZ 10
MO 8
IN 6
MN 6
UT 4
OK 4
AL 4
LA 3
WI 3
TN 3
OH 3
MI 2
AR 2
VA 2
KS 2
GA 2

Top Issues

Issue Complaints
Charged fees or interest you didn't expect 51
Attempts to collect debt not owed 20
Improper use of your report 16
Incorrect information on your report 16
Getting the loan 12
Struggling to pay your loan 12
Received a loan you didn't apply for 7
Took or threatened to take negative or legal action 6
Problem with the payoff process at the end of the loan 5
Was approved for a loan, but didn't receive the money 4
Threatened to contact someone or share information improperly 4
False statements or representation 4
Problem when making payments 4
Problem with a company's investigation into an existing problem 3
Communication tactics 3
Can't stop withdrawals from your bank account 3
Can't contact lender or servicer 3
Other transaction problem 2
Written notification about debt 2
Loan payment wasn't credited to your account 1

Yearly Trend

Year Complaints Timely
2018 2 100%
2019 3 100%
2020 6 100%
2021 17 82.4%
2022 11 100%
2023 21 95.2%
2024 25 96%
2025 76 98.7%
2026 23 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About CreditNinja Lending, LLC

CreditNinja Lending, LLC has accumulated 184 consumer complaints in the CFPB public database, with filings active across 29 U.S. states. Of those submissions, 88 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2018, and the most recent logged activity is 2026-04-03, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, CreditNinja Lending, LLC reports a 96.7% timely-response rate and has closed 93.5% of cases with a written explanation to the consumer. 6.5% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Payday loan, title loan, personal loan, or advance loan", and the single most common underlying issue is "Charged fees or interest you didn't expect".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating CreditNinja Lending, LLC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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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.

Frequently Asked Questions

How many CFPB complaints does CreditNinja Lending, LLC have?

CreditNinja Lending, LLC has received 184 consumer complaints filed with the Consumer Financial Protection Bureau.

Does CreditNinja Lending, LLC respond to complaints on time?

CreditNinja Lending, LLC has a 96.7% timely response rate to CFPB complaints.

What is the most common complaint about CreditNinja Lending, LLC?

The most common issue reported against CreditNinja Lending, LLC is "Charged fees or interest you didn't expect" in the "Payday loan, title loan, personal loan, or advance loan" product category.

Read our methodology — how this data is sourced, computed, and verified.

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