LendingUSA
213 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About LendingUSA
LendingUSA's 213 logged complaints stay concentrated: only 34 states show a filing on record. 47.9% 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 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.
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 LendingUSA have?
213, per the CFPB's public complaint count for this company (see the full breakdown above).
Does LendingUSA respond to complaints on time?
94.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about LendingUSA?
"Incorrect information on your report", filed under the "Payday loan, title loan, or personal 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.