2026 data Public-data reference. official source

OPORTUN FINANCIAL CORPORATION

1.6K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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1.6K consumer complaints filed with the CFPB

This profile shows OPORTUN FINANCIAL CORPORATION's complaint history from CFPB public records. 1,577 consumers have filed complaints since 2014. The company has a 98.7% timely response rate and has provided relief in 12.7% of cases.

1.6K
Total Complaints
98.7%
Timely Response
0.1%
Disputed
12.7%
Relief Provided
48
States Active
2014
Since

Total complaints

1.6K

Filed since 2014

Timely response

98.7%

CFPB-tracked response window

Relief rate

12.7%

Closed with monetary or non-monetary relief

Timely response rate 98.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 12.7%
Industry median

Share closed with monetary or non-monetary relief.

OPORTUN FINANCIAL CORPORATION complaint mix by product

Total complaints: 1.6K

OPORTUN FINANCIAL CORPORATION complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.6K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 542 complaints (35.5%), resolution 11.4% Credit reporting 35.5% Debt collection: 412 complaints (27.0%), resolution 8.0% Debt collection 27.0% Credit reporting,: 223 complaints (14.6%), resolution 22.9% Credit reporting, 14.6% Payday loan,: 149 complaints (9.8%), resolution 15.4% Payday loan, 9.8% Payday loan,: 121 complaints (7.9%), resolution 11.6% Payday loan, 7.9% Credit card: 54 complaints (3.5%), resolution 18.5% Credit card: 26 complaints (1.7%), resolution 7.7%
  • Credit reporting 542 35.5% – 11% relief
  • Debt collection 412 27.0% – 8% relief
  • Credit reporting, 223 14.6% – 23% relief
  • Payday loan, 149 9.8% – 15% relief
  • Payday loan, 121 7.9% – 12% relief
  • Credit card 54 3.5% – 19% relief
  • Credit card 26 1.7% – 8% relief

How OPORTUN FINANCIAL CORPORATION's 1.6K 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 542
Debt collection 412
Credit reporting, credit repair services, or other personal consumer reports 223
Payday loan, title loan, or personal loan 149
Payday loan, title loan, personal loan, or advance loan 121
Credit card or prepaid card 54
Credit card 26
Checking or savings account 20
Consumer Loan 11
Money transfer, virtual currency, or money service 8
Vehicle loan or lease 4
Bank account or service 3
Debt or credit management 1
Credit reporting 1
Payday loan 1
Mortgage 1

Top States

State Complaints
CA 489
FL 256
TX 232
IL 97
NJ 59
AZ 53
NV 41
NY 37
GA 33
NC 30
MI 20
AL 19
PA 18
UT 17
VA 16
TN 15
MN 14
OH 12
WA 12
LA 10

Top Issues

Issue Complaints
Incorrect information on your report 403
Improper use of your report 235
Took or threatened to take negative or legal action 141
Attempts to collect debt not owed 132
Problem with a company's investigation into an existing problem 112
Written notification about debt 56
Charged fees or interest you didn't expect 56
Problem with a credit reporting company's investigation into an existing problem 53
Struggling to pay your loan 44
Communication tactics 35
False statements or representation 32
Problem when making payments 28
Getting a credit card 24
Getting the loan 24
Problem with the payoff process at the end of the loan 20
Getting a line of credit 15
Received a loan you didn't apply for 12
Problem with a purchase shown on your statement 12
Credit monitoring or identity theft protection services 11
Managing an account 10

Yearly Trend

Year Complaints Timely
2014 2 50%
2015 13 92.3%
2016 11 90.9%
2017 23 100%
2018 23 100%
2019 41 97.6%
2020 63 96.8%
2021 82 96.3%
2022 178 98.9%
2023 192 96.9%
2024 309 100%
2025 482 99.4%
2026 158 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About OPORTUN FINANCIAL CORPORATION

OPORTUN FINANCIAL CORPORATION has accumulated 1,577 consumer complaints in the CFPB public database, with filings active across 48 U.S. states. Of those submissions, 432 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2014, and the most recent logged activity is 2026-03-28, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, OPORTUN FINANCIAL CORPORATION reports a 98.7% timely-response rate and has closed 87.3% of cases with a written explanation to the consumer. 12.7% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0.1% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Credit reporting or other personal consumer reports", and the single most common underlying issue is "Incorrect information on your report".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating OPORTUN FINANCIAL CORPORATION: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Consumer Guides

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How to Read Complaint Data
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How to File a CFPB Complaint
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Understanding Responses
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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 OPORTUN FINANCIAL CORPORATION have?

OPORTUN FINANCIAL CORPORATION has received 1,577 consumer complaints filed with the Consumer Financial Protection Bureau.

Does OPORTUN FINANCIAL CORPORATION respond to complaints on time?

OPORTUN FINANCIAL CORPORATION has a 98.7% timely response rate to CFPB complaints.

What is the most common complaint about OPORTUN FINANCIAL CORPORATION?

The most common issue reported against OPORTUN FINANCIAL CORPORATION is "Incorrect information on your report" in the "Credit reporting or other personal consumer reports" product category.

Read our methodology — how this data is sourced, computed, and verified.

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