CFPB · Diversified product mix
LendingUSA
213 CFPB complaints · diversified mix (top product 26.3%) · top issue Incorrect information on your report.
LendingUSA: top product "Payday loan, title loan, or personal loan" is only 26.3% of 213 - multi-bucket mix. Timely 94.4% · relief 4.2%. Allegations, not findings.
- Diversified product mix
- +850% filings 2016 to 2026
CFPB relief outcome brief
CCDB company lendingusa
4.2% relief · 94.4% timely · 213 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Cash Express, LLC (3.7% relief)
LendingUSA closes 4.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of LendingUSA's 213 filings include narrative text
47.9% 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.
LendingUSA complaint mix by product
- Payday loan, 56 26.9% – 9% relief
- Debt collection 47 22.6% – 0% relief
- Credit reporting 39 18.8% – 3% relief
- Credit reporting, 38 18.3% – 3% relief
- Payday loan, 24 11.5% – 8% relief
- Money transfer, 2 1.0% – 0% relief
- Credit card 2 1.0% – 0% relief
How LendingUSA's 213 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, or personal loan | 56 |
| Debt collection | 47 |
| Credit reporting or other personal consumer reports | 39 |
| Credit reporting, credit repair services, or other personal consumer reports | 38 |
| Payday loan, title loan, personal loan, or advance loan | 24 |
| Money transfer, virtual currency, or money service | 2 |
| Credit card | 2 |
| Checking or savings account | 1 |
| Debt or credit management | 1 |
| Consumer Loan | 1 |
| Credit card or prepaid card | 1 |
| Mortgage | 1 |
Where LendingUSA complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 21.6% of this company's filings
LendingUSA rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 19
- +850% vs 2016
Top States
| State | Complaints |
|---|---|
| FL | 46 |
| CA | 26 |
| TX | 23 |
| GA | 16 |
| NY | 14 |
| IL | 9 |
| NJ | 7 |
| NC | 6 |
| LA | 6 |
| AZ | 5 |
| CO | 5 |
| MI | 5 |
| VA | 5 |
| MD | 5 |
| MA | 4 |
| WA | 4 |
| NV | 3 |
| MO | 2 |
| TN | 2 |
| KS | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 50 |
| Attempts to collect debt not owed | 21 |
| Problem when making payments | 19 |
| Charged fees or interest you didn't expect | 17 |
| Improper use of your report | 13 |
| Getting the loan | 11 |
| Took or threatened to take negative or legal action | 11 |
| Problem with a company's investigation into an existing problem | 10 |
| Problem with a credit reporting company's investigation into an existing problem | 10 |
| Problem with additional add-on products or services | 9 |
| Problem with the payoff process at the end of the loan | 8 |
| Communication tactics | 6 |
| Getting a line of credit | 6 |
| False statements or representation | 6 |
| Fraud or scam | 2 |
| Struggling to pay your loan | 2 |
| Unexpected fees | 1 |
| Problems receiving the advance | 1 |
| Managing an account | 1 |
| Electronic communications | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 2 | 100% |
| 2017 | 6 | 100% |
| 2018 | 8 | 100% |
| 2019 | 11 | 100% |
| 2020 | 24 | 100% |
| 2021 | 29 | 93.1% |
| 2022 | 21 | 76.2% |
| 2023 | 23 | 91.3% |
| 2024 | 32 | 100% |
| 2025 | 38 | 94.7% |
| 2026 | 19 | 94.7% |
Source: CFPB Consumer Complaint Database
LendingUSA spreads across product buckets
LendingUSA's 213 logged complaints stay concentrated: only 34 states show a filing. 47.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-23.
LendingUSA answers 94.4% of complaints inside the CFPB's tracked window and closes 94.8% with a written explanation. 4.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" 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 LendingUSA.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for LendingUSA: 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: 213.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.4%.
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 LendingUSA (94.4% timely; 4.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix