CFPB · Diversified product mix
Oportun Financial Corporation
2.0K CFPB complaints · diversified mix (top product 34.1%) · top issue Incorrect information on your report.
Oportun Financial Corporation: top product "Credit reporting or other personal consumer reports" is only 34.1% of 2.0K - multi-bucket mix. Timely 98.9% · relief 12%. Allegations, not findings.
- Volume rank #217 of 342
- Diversified product mix
- +17550% filings 2014 to 2026
CFPB relief outcome brief
CCDB company oportun-financial-corporation
12% relief · 98.9% timely · 2.0K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: StellarFinance, Inc. (11.9% relief)
Oportun Financial Corporation closes 12% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 2.0K 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.
Oportun Financial Corporation complaint mix by product
- 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
Higher-relief mix: how Oportun Financial Corporation's 2.0K complaints split across CFPB product categories.
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 |
Nationwide filing states for Oportun Financial Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 30.8% of this company's filings
Oportun Financial Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 353
- +17550% vs 2014
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
Oportun Financial Corporation spreads across product buckets
Oportun Financial Corporation's 2,046 logged complaints reach a nationwide footprint - 51 states have at least one filing. Only 35.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Oportun Financial Corporation: 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: 2.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.9%.
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 Oportun Financial Corporation (#217 of 342; 98.9% timely; 12% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix