CFPB · Mid-pack CFPB posture
Mitsubishi Hc Capital (U.S.a.) Inc.
22 CFPB complaints · 12 states · top issue Improper use of your report.
Mitsubishi Hc Capital (U.S.a.) Inc. has 22 consumer complaints in the CFPB public database. Timely response is 100%; 0% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -57.1% filings 2023 to 2026
CFPB relief outcome brief
CCDB company mitsubishi-hc-capital-u-s-a-inc
0% relief · 100% timely · 22 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Mitsubishi Hc Capital (U.S.a.) Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Mitsubishi Hc Capital (U.S.a.) Inc. scores strongest on timely response (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
100 / 100 percentile-benchmarked
100% 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 22 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.
Mitsubishi Hc Capital (U.S.a.) Inc. complaint mix by product
- Credit reporting 9 40.9% – 0% relief
- Credit reporting, 5 22.7% – 0% relief
- Vehicle loan 5 22.7% – 0% relief
- Debt collection 2 9.1% – 0% relief
- Checking or 1 4.5% – 0% relief
How Mitsubishi Hc Capital (U.S.a.) Inc.'s 22 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Vehicle loan or lease | 5 |
| Debt collection | 2 |
| Checking or savings account | 1 |
Where Mitsubishi Hc Capital (U.S.a.) Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 18.2% of this company's filings
Mitsubishi Hc Capital (U.S.a.) Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- -57.1% vs 2023
Top States
| State | Complaints |
|---|---|
| IL | 4 |
| TX | 4 |
| CA | 2 |
| NY | 2 |
| GA | 2 |
| OH | 2 |
| AL | 1 |
| AZ | 1 |
| SC | 1 |
| PA | 1 |
| MS | 1 |
| MO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 11 |
| Incorrect information on your report | 3 |
| Managing the loan or lease | 3 |
| Took or threatened to take negative or legal action | 1 |
| Problem with a lender or other company charging your account | 1 |
| Getting a loan or lease | 1 |
| Problems at the end of the loan or lease | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 7 | 100% |
| 2024 | 5 | 100% |
| 2025 | 7 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Mitsubishi Hc Capital (U.S.a.) Inc.
Mitsubishi Hc Capital (U.S.a.) Inc.'s 22 logged complaints stay concentrated: only 12 states show a filing. Only 22.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2023 through 2026-03-17.
Mitsubishi Hc Capital (U.S.a.) Inc. 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. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Improper use of 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 Mitsubishi Hc Capital (U.S.a.) Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Mitsubishi Hc Capital (U.S.a.) Inc.: 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: 22.
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 Mitsubishi Hc Capital (U.S.a.) Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture