CFPB · Single-product concentration
Fair Capital
40 CFPB complaints · 82.5% in "Debt collection" · top issue Attempts to collect debt not owed.
Fair Capital: 82.5% of 40 CFPB complaints sit in "Debt collection". Timely 100% · relief 0%. Allegations, not findings.
- Single-product concentration
- +800% filings 2019 to 2026
CFPB relief outcome brief
CCDB company fair-capital
0% relief · 100% timely · 40 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Fair Capital closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 40 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Fair Capital complaint mix by product
- Debt collection 33 82.5% – 0% relief
- Credit reporting 5 12.5% – 0% relief
- Credit reporting, 2 5.0% – 0% relief
How Fair Capital's 40 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 33 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
Where Fair Capital complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 25% of this company's filings
Fair Capital rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 9
- +800% vs 2019
Top States
| State | Complaints |
|---|---|
| TX | 10 |
| CA | 7 |
| FL | 6 |
| NY | 5 |
| AL | 2 |
| AE | 2 |
| DE | 1 |
| AR | 1 |
| AZ | 1 |
| MI | 1 |
| OK | 1 |
| NC | 1 |
| SC | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 16 |
| Incorrect information on your report | 7 |
| Written notification about debt | 6 |
| Took or threatened to take negative or legal action | 6 |
| False statements or representation | 4 |
| Communication tactics | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 1 | 100% |
| 2021 | 2 | 100% |
| 2023 | 2 | 100% |
| 2024 | 9 | 100% |
| 2025 | 17 | 100% |
| 2026 | 9 | 100% |
Source: CFPB Consumer Complaint Database
Fair Capital filings cluster in one product
Fair Capital's 40 logged complaints stay concentrated: only 14 states show a filing. Only 27.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2019 through 2026-06-24.
Fair Capital 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. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Fair Capital.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Fair Capital: 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: 40.
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 Fair Capital (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration