CFPB · Narrative-heavy record
CreditNinja Lending, LLC
266 CFPB complaints · 53.4% with narratives · top issue Charged fees or interest you didn't expect.
CreditNinja Lending, LLC: 53.4% of 266 filings include consumer narratives. Timely 97.4% · relief 7.1% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +3200% filings 2018 to 2026
CFPB relief outcome brief
CCDB company creditninja-lending-llc
7.1% relief · 97.4% timely · 266 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Bankers Healthcare Group LLC (6% relief)
CreditNinja Lending, LLC closes 7.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of CreditNinja Lending, LLC's 266 filings include narrative text
53.4% 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.
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 |
Where CreditNinja Lending, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 34.6% of this company's filings
CreditNinja Lending, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 66
- +3200% vs 2018
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
CreditNinja Lending, LLC's narrative-rich complaint ledger
CreditNinja Lending, LLC's 266 logged complaints stay concentrated: only 32 states show a filing. 53.4% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CreditNinja Lending, LLC: 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: 266.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.4%.
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 CreditNinja Lending, LLC (97.4% timely; 7.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record