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.
- 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 →
Response Quality Score
Oportun Financial Corporation scores strongest on timely response (98/100 percentile-benchmarked) and weakest on relief provided (56/100), 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
56 / 100 percentile-benchmarked
12% of complaints closed with relief to the consumer
Timely response
98 / 100 percentile-benchmarked
98.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
76 / 100 percentile-benchmarked
87% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Oportun Financial Corporation sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Oportun Financial Corporation files more complaint volume than 37% of them, and closes complaints with relief more often than 69% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,046 · Closed with relief: 12.0%
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