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.
- 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 →
Response Quality Score
Opportunity Financial, LLC scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (3/100), 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
3 / 100 percentile-benchmarked
0.6% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.3% of complaints answered inside the CFPB 15-day window
Closed with explanation
97 / 100 percentile-benchmarked
98.3% 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.
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
Volume vs. relief
Where Opportunity Financial, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Opportunity Financial, LLC files more complaint volume than 34% of them, and closes complaints with relief more often than 35% of them, placing it in the quadrant for lower volume, below-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: 1,968 · Closed with relief: 0.6%
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