CFPB · Diversified product mix
Opportunity Financial, LLC
2.0K CFPB complaints · diversified mix (top product 34.5%) · top issue Incorrect information on your report.
Opportunity Financial, LLC: top product "Credit reporting or other personal consumer reports" is only 34.5% of 2.0K - multi-bucket mix. Timely 99.3% · relief 0.6%. Allegations, not findings.
- Volume rank #225 of 342
- Diversified product mix
- +13666.7% filings 2014 to 2026
CFPB relief outcome brief
CCDB company opportunity-financial-llc
0.6% relief · 99.3% timely · 2.0K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Upstart Holdings, Inc. (0.6% relief)
Opportunity Financial, LLC closes 0.6% with relief, below 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.
Opportunity Financial, LLC complaint mix by product
- Credit reporting 679 34.9% – 0% relief
- Debt collection 584 30.0% – 0% relief
- Payday loan, 382 19.6% – 1% relief
- Payday loan, 151 7.8% – 1% relief
- Credit reporting, 129 6.6% – 2% relief
- Credit card 11 0.6% – 0% relief
- Credit card 11 0.6% – 0% relief
How Opportunity Financial, LLC'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 | 679 |
| Debt collection | 584 |
| Payday loan, title loan, personal loan, or advance loan | 382 |
| Payday loan, title loan, or personal loan | 151 |
| Credit reporting, credit repair services, or other personal consumer reports | 129 |
| Credit card or prepaid card | 11 |
| Credit card | 11 |
| Consumer Loan | 9 |
| Payday loan | 5 |
| Debt or credit management | 4 |
| Checking or savings account | 2 |
| Student loan | 1 |
Nationwide filing states for Opportunity Financial, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 16.5% of this company's filings
Opportunity Financial, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 413
- +13666.7% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 325 |
| TX | 198 |
| IL | 136 |
| VA | 134 |
| CA | 131 |
| NC | 80 |
| SC | 80 |
| MI | 78 |
| AZ | 68 |
| OH | 66 |
| TN | 63 |
| AL | 58 |
| IN | 48 |
| GA | 45 |
| MO | 44 |
| WA | 39 |
| NJ | 36 |
| MS | 34 |
| NV | 31 |
| MN | 28 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 515 |
| Charged fees or interest you didn't expect | 200 |
| Attempts to collect debt not owed | 194 |
| Took or threatened to take negative or legal action | 189 |
| Improper use of your report | 186 |
| Problem with a company's investigation into an existing problem | 165 |
| Struggling to pay your loan | 102 |
| False statements or representation | 89 |
| Written notification about debt | 85 |
| Problem when making payments | 32 |
| Problem with the payoff process at the end of the loan | 30 |
| Problem with a credit reporting company's investigation into an existing problem | 29 |
| Getting the loan | 27 |
| Received a loan you didn't apply for | 16 |
| Communication tactics | 13 |
| Credit monitoring or identity theft protection services | 12 |
| Electronic communications | 11 |
| Problem with additional add-on products or services | 7 |
| Getting a credit card | 5 |
| Loan payment wasn't credited to your account | 5 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 3 | 0% |
| 2015 | 6 | 0% |
| 2016 | 4 | 75% |
| 2017 | 18 | 94.4% |
| 2018 | 29 | 93.1% |
| 2019 | 54 | 100% |
| 2020 | 43 | 100% |
| 2021 | 40 | 100% |
| 2022 | 76 | 100% |
| 2023 | 178 | 99.4% |
| 2024 | 394 | 100% |
| 2025 | 710 | 100% |
| 2026 | 413 | 100% |
Source: CFPB Consumer Complaint Database
Opportunity Financial, LLC spreads across product buckets
Opportunity Financial, LLC's 1,968 logged complaints reach a nationwide footprint - 50 states have at least one filing. Only 38% 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.
Opportunity Financial, LLC answers 99.3% of complaints inside the CFPB's tracked window and closes 98.3% with a written explanation. 0.6% 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 Opportunity Financial, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Opportunity Financial, LLC: 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: 99.3%.
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 Opportunity Financial, LLC (#225 of 342; 99.3% timely; 0.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix