CFPB · Narrative-heavy record
OpenRoad Lending
124 CFPB complaints · 57.3% with narratives · top issue Improper use of your report.
OpenRoad Lending: 57.3% of 124 filings include consumer narratives. Timely 100% · relief 0.8% · top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- +300% filings 2014 to 2026
CFPB relief outcome brief
CCDB company openroad-lending
0.8% relief · 100% timely · 124 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Nicholas Financial Inc. (0.8% relief)
OpenRoad Lending closes 0.8% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of OpenRoad Lending's 124 filings include narrative text
57.3% 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.
OpenRoad Lending complaint mix by product
- Credit reporting, 44 36.4% – 0% relief
- Vehicle loan 42 34.7% – 2% relief
- Consumer Loan 20 16.5% – 0% relief
- Credit reporting 9 7.4% – 0% relief
- Debt collection 2 1.7% – 0% relief
- Credit card 2 1.7% – 0% relief
- Bank account 2 1.7% – 0% relief
How OpenRoad Lending's 124 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 44 |
| Vehicle loan or lease | 42 |
| Consumer Loan | 20 |
| Credit reporting or other personal consumer reports | 9 |
| Debt collection | 2 |
| Credit card | 2 |
| Bank account or service | 2 |
| Payday loan, title loan, or personal loan | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Where OpenRoad Lending complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 16.1% of this company's filings
OpenRoad Lending rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +300% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 20 |
| CA | 16 |
| TX | 14 |
| AZ | 7 |
| GA | 7 |
| OH | 7 |
| NY | 6 |
| TN | 5 |
| MD | 5 |
| SC | 5 |
| MO | 4 |
| NC | 3 |
| MI | 3 |
| AL | 3 |
| IL | 2 |
| OK | 2 |
| WA | 2 |
| AR | 2 |
| VA | 2 |
| PA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 41 |
| Getting a loan or lease | 26 |
| Shopping for a loan or lease | 12 |
| Incorrect information on your report | 11 |
| Managing the loan or lease | 9 |
| Problems at the end of the loan or lease | 9 |
| Taking out the loan or lease | 4 |
| Account opening, closing, or management | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Attempts to collect debt not owed | 1 |
| Vehicle was repossessed or sold the vehicle | 1 |
| Other | 1 |
| Credit determination | 1 |
| Received a loan I didn't apply for | 1 |
| Communication tactics | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Getting the loan | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 2 | 100% |
| 2016 | 20 | 100% |
| 2017 | 16 | 100% |
| 2018 | 21 | 100% |
| 2019 | 14 | 100% |
| 2020 | 8 | 100% |
| 2021 | 5 | 100% |
| 2022 | 10 | 100% |
| 2023 | 2 | 100% |
| 2024 | 8 | 100% |
| 2025 | 13 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
OpenRoad Lending's narrative-rich complaint ledger
OpenRoad Lending's 124 logged complaints stay concentrated: only 26 states show a filing. 57.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-23.
OpenRoad Lending answers 100% of complaints inside the CFPB's tracked window and closes 96% with a written explanation. 0.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, 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 OpenRoad Lending.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for OpenRoad Lending: 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: 124.
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 OpenRoad Lending (100% timely; 0.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record