2026 data Public-data reference Official source

Oportun Financial Corporation

2.0K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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2.0K
Total Complaints
98.9%
Timely Response
0%
Disputed
12%
Relief Provided
51
States Active
2014
Since

Data updated June 2026

Timely response rate 98.9%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 12.0%
Industry median

Share closed with monetary or non-monetary relief.

Oportun Financial Corporation complaint mix by product

Total complaints: 2.0K

Oportun Financial Corporation complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 2.0K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 697 complaints (35.2%), resolution 10.3% Credit reporting 35.2% Debt collection: 557 complaints (28.1%), resolution 7.0% Debt collection 28.1% Credit reporting,: 269 complaints (13.6%), resolution 22.7% Credit reporting, 13.6% Payday loan,: 176 complaints (8.9%), resolution 15.9% Payday loan, 8.9% Payday loan,: 165 complaints (8.3%), resolution 10.9% Payday loan, 8.3% Credit card: 78 complaints (3.9%), resolution 23.1% Credit card: 37 complaints (1.9%), resolution 8.1%
  • Credit reporting 697 35.2% – 10% relief
  • Debt collection 557 28.1% – 7% relief
  • Credit reporting, 269 13.6% – 23% relief
  • Payday loan, 176 8.9% – 16% relief
  • Payday loan, 165 8.3% – 11% relief
  • Credit card 78 3.9% – 23% relief
  • Credit card 37 1.9% – 8% relief

How Oportun Financial Corporation's 2.0K 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 697
Debt collection 557
Credit reporting, credit repair services, or other personal consumer reports 269
Payday loan, title loan, or personal loan 176
Payday loan, title loan, personal loan, or advance loan 165
Credit card or prepaid card 78
Credit card 37
Checking or savings account 31
Consumer Loan 12
Money transfer, virtual currency, or money service 10
Vehicle loan or lease 6
Bank account or service 3
Payday loan 2
Debt or credit management 1
Credit reporting 1
Mortgage 1

Top States

State Complaints
CA 630
FL 326
TX 302
IL 115
NJ 88
AZ 74
NV 52
NY 51
NC 47
GA 44
PA 27
MI 26
VA 22
AL 20
TN 18
UT 18
SC 16
WA 16
MN 15
AR 13

Top Issues

Issue Complaints
Incorrect information on your report 510
Improper use of your report 298
Took or threatened to take negative or legal action 206
Attempts to collect debt not owed 173
Problem with a company's investigation into an existing problem 147
Charged fees or interest you didn't expect 80
Written notification about debt 76
Problem with a credit reporting company's investigation into an existing problem 59
Struggling to pay your loan 45
False statements or representation 43
Communication tactics 42
Problem when making payments 38
Getting the loan 32
Getting a credit card 32
Problem with the payoff process at the end of the loan 27
Problem with a purchase shown on your statement 21
Managing an account 17
Getting a line of credit 17
Credit monitoring or identity theft protection services 16
Received a loan you didn't apply for 14

Yearly Trend

Year Complaints Timely
2014 2 50%
2015 13 92.3%
2016 13 92.3%
2017 26 100%
2018 26 100%
2019 45 97.8%
2020 79 96.2%
2021 105 97.1%
2022 219 98.6%
2023 241 97.5%
2024 364 100%
2025 560 99.3%
2026 353 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Oportun Financial Corporation

Oportun Financial Corporation's 2,046 logged complaints reach a nationwide footprint - 51 states have at least one filing on record. Only 35.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2014 through 2026-06-26.

Oportun Financial Corporation answers 98.9% of complaints inside the CFPB's tracked window and closes 87% with a written explanation. 12% 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 "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 Oportun Financial Corporation.

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?

2,046, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Oportun Financial Corporation respond to complaints on time?

98.9% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Oportun Financial Corporation?

"Incorrect information on your report", filed under the "Credit reporting or other personal consumer reports" 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.