2026 data Public-data reference Official source

Opportunity Financial, LLC

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
99.3%
Timely Response
0%
Disputed
0.6%
Relief Provided
50
States Active
2014
Since

Data updated June 2026

Timely response rate 99.3%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.6%
Industry median

Share closed with monetary or non-monetary relief.

Opportunity Financial, LLC complaint mix by product

Total complaints: 2.0K

Opportunity Financial, LLC 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: 679 complaints (34.9%), resolution 0.4% Credit reporting 34.9% Debt collection: 584 complaints (30.0%), resolution 0.3% Debt collection 30.0% Payday loan,: 382 complaints (19.6%), resolution 0.8% Payday loan, 19.6% Payday loan,: 151 complaints (7.8%), resolution 0.7% Payday loan, 7.8% Credit reporting,: 129 complaints (6.6%), resolution 1.6% Credit reporting, 6.6% Credit card: 11 complaints (0.6%), resolution 0.0% Credit card: 11 complaints (0.6%), resolution 0.0%
  • 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

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 CFPB Consumer Complaint Database

What the CFPB Record Shows About Opportunity Financial, LLC

Opportunity Financial, LLC's 1,968 logged complaints reach a nationwide footprint - 50 states have at least one filing on record. Only 38% 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.

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.

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 Opportunity Financial, LLC have?

1,968, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Opportunity Financial, LLC respond to complaints on time?

99.3% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Opportunity Financial, LLC?

"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.