CreditNinja Lending, LLC
266 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
CreditNinja Lending, LLC complaint mix by product
- Payday loan, 117 44.3% – 8% relief
- Debt collection 61 23.1% – 5% relief
- Payday loan, 39 14.8% – 18% relief
- Credit reporting 36 13.6% – 0% relief
- Credit reporting, 7 2.7% – 0% relief
- Credit card 2 0.8% – 0% relief
- Money transfer, 2 0.8% – 0% relief
How CreditNinja Lending, LLC's 266 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 | 117 |
| Debt collection | 61 |
| Payday loan, title loan, or personal loan | 39 |
| Credit reporting or other personal consumer reports | 36 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit card | 2 |
| Money transfer, virtual currency, or money service | 2 |
| Debt or credit management | 1 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 92 |
| FL | 34 |
| CA | 26 |
| SC | 17 |
| MO | 14 |
| AZ | 11 |
| IN | 8 |
| MN | 7 |
| OH | 5 |
| UT | 5 |
| TN | 4 |
| KS | 4 |
| AL | 4 |
| OK | 4 |
| LA | 4 |
| WI | 4 |
| MI | 3 |
| AR | 3 |
| GA | 2 |
| VA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 70 |
| Attempts to collect debt not owed | 33 |
| Incorrect information on your report | 23 |
| Improper use of your report | 22 |
| Struggling to pay your loan | 19 |
| Getting the loan | 13 |
| Problem with the payoff process at the end of the loan | 10 |
| Received a loan you didn't apply for | 9 |
| Took or threatened to take negative or legal action | 8 |
| Threatened to contact someone or share information improperly | 7 |
| Problem when making payments | 7 |
| False statements or representation | 5 |
| Problem with a company's investigation into an existing problem | 5 |
| Can't contact lender or servicer | 5 |
| Was approved for a loan, but didn't receive the money | 4 |
| Communication tactics | 4 |
| Written notification about debt | 4 |
| Can't stop withdrawals from your bank account | 3 |
| Other transaction problem | 2 |
| Problem with additional add-on products or services | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 100% |
| 2019 | 6 | 100% |
| 2020 | 7 | 100% |
| 2021 | 19 | 84.2% |
| 2022 | 12 | 100% |
| 2023 | 25 | 96% |
| 2024 | 29 | 93.1% |
| 2025 | 100 | 99% |
| 2026 | 66 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About CreditNinja Lending, LLC
CreditNinja Lending, LLC's 266 logged complaints stay concentrated: only 32 states show a filing on record. 53.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2018 through 2026-06-22.
CreditNinja Lending, LLC answers 97.4% of complaints inside the CFPB's tracked window and closes 91.4% with a written explanation. 7.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
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 CreditNinja Lending, LLC.
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?
266, per the CFPB's public complaint count for this company (see the full breakdown above).
Does CreditNinja Lending, LLC respond to complaints on time?
97.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about CreditNinja Lending, LLC?
"Charged fees or interest you didn't expect", filed under the "Payday loan, title loan, personal loan, or advance loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.