CFPB · Mid-pack CFPB posture
Miracle Finance Ltd
13 CFPB complaints · 2 states · top issue Took or threatened to take negative or legal action.
Miracle Finance Ltd has 13 consumer complaints in the CFPB public database. Timely response is 92.3%; 0% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +100% filings 2024 to 2026
CFPB relief outcome brief
CCDB company miracle-finance-ltd
0% relief · 92.3% timely · 13 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Miracle Finance Ltd closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Miracle Finance Ltd scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
87 / 100 percentile-benchmarked
92.3% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
How 13 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.
Miracle Finance Ltd complaint mix by product
- Debt collection 5 38.5% – 0% relief
- Credit reporting 4 30.8% – 0% relief
- Vehicle loan 4 30.8% – 0% relief
How Miracle Finance Ltd's 13 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5 |
| Credit reporting or other personal consumer reports | 4 |
| Vehicle loan or lease | 4 |
Concentrated filing states for Miracle Finance Ltd
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 92.3% of this company's filings
Miracle Finance Ltd rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +100% vs 2024
Top States
| State | Complaints |
|---|---|
| TX | 12 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 3 |
| Improper use of your report | 3 |
| Repossession | 2 |
| Attempts to collect debt not owed | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Managing the loan or lease | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 2 | 100% |
| 2025 | 7 | 85.7% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Miracle Finance Ltd
Miracle Finance Ltd's 13 logged complaints stay concentrated: only 2 states show a filing. Only 15.4% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2024 through 2026-05-22.
Miracle Finance Ltd answers 92.3% 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 "Took or threatened to take negative or legal action."
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 Miracle Finance Ltd.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Miracle Finance Ltd: 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: 13.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92.3%.
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 Miracle Finance Ltd (92.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture