CFPB · Narrative-heavy record
RateGenius Loan Services Inc
43 CFPB complaints · 76.7% with narratives · top issue Improper use of your report.
RateGenius Loan Services Inc: 76.7% of 43 filings include consumer narratives. Timely 100% · relief 0% · top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- +183.3% filings 2018 to 2021
CFPB relief outcome brief
CCDB company rategenius-loan-services-inc
0% relief · 100% timely · 43 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Innovis (0% relief)
RateGenius Loan Services Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of RateGenius Loan Services Inc's 43 filings include narrative text
76.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
RateGenius Loan Services Inc complaint mix by product
- Credit reporting, 29 67.4% – 0% relief
- Vehicle loan 12 27.9% – 0% relief
- Mortgage 1 2.3% – 0% relief
- Debt collection 1 2.3% – 0% relief
How RateGenius Loan Services Inc's 43 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 29 |
| Vehicle loan or lease | 12 |
| Mortgage | 1 |
| Debt collection | 1 |
Where RateGenius Loan Services Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 16.3% of this company's filings
RateGenius Loan Services Inc rising annual filings
Annual filing volume from the CFPB public database
- 2021
- 17
- +183.3% vs 2018
Top States
| State | Complaints |
|---|---|
| CA | 7 |
| TX | 6 |
| FL | 5 |
| NC | 3 |
| MD | 3 |
| AZ | 3 |
| WI | 2 |
| MA | 1 |
| DC | 1 |
| MT | 1 |
| CO | 1 |
| GA | 1 |
| PA | 1 |
| NJ | 1 |
| WA | 1 |
| NV | 1 |
| OR | 1 |
| ID | 1 |
| TN | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 25 |
| Getting a loan or lease | 5 |
| Incorrect information on your report | 5 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Problems at the end of the loan or lease | 2 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Attempts to collect debt not owed | 1 |
| Managing the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 6 | 100% |
| 2019 | 11 | 100% |
| 2020 | 9 | 100% |
| 2021 | 17 | 100% |
Source: CFPB Consumer Complaint Database
RateGenius Loan Services Inc's narrative-rich complaint ledger
RateGenius Loan Services Inc's 43 logged complaints stay concentrated: only 21 states show a filing. 76.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2021-12-20.
RateGenius Loan Services Inc answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Improper use of 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 RateGenius Loan Services Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for RateGenius Loan Services Inc: 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: 43.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 RateGenius Loan Services Inc (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record