CFPB · Mid-pack CFPB posture
Smart Finance Inc dba Fishtail Financial
17 CFPB complaints · 6 states · top issue Incorrect information on your report.
Smart Finance Inc dba Fishtail Financial has 17 consumer complaints in the CFPB public database. Timely response is 94.1%; 0% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -75% filings 2023 to 2026
CFPB relief outcome brief
CCDB company smart-finance-inc-dba-fishtail-financial
0% relief · 94.1% timely · 17 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Smart Finance Inc dba Fishtail Financial closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Smart Finance Inc dba Fishtail Financial scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), 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
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
90 / 100 percentile-benchmarked
94.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
How 17 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.
Smart Finance Inc dba Fishtail Financial complaint mix by product
- Credit reporting 9 52.9% – 0% relief
- Debt collection 5 29.4% – 0% relief
- Credit reporting, 3 17.6% – 0% relief
How Smart Finance Inc dba Fishtail Financial's 17 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 | 9 |
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
Concentrated filing states for Smart Finance Inc dba Fishtail Financial
Top states by attributed CFPB complaint volume for this company
- Leading state
- NV
- 47.1% of this company's filings
Smart Finance Inc dba Fishtail Financial falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -75% vs 2023
Top States
| State | Complaints |
|---|---|
| NV | 8 |
| TN | 4 |
| CA | 2 |
| FL | 1 |
| NY | 1 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 10 |
| Attempts to collect debt not owed | 5 |
| Improper use of your report | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 4 | 100% |
| 2024 | 5 | 100% |
| 2025 | 7 | 100% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Smart Finance Inc dba Fishtail Financial
Smart Finance Inc dba Fishtail Financial's 17 logged complaints stay concentrated: only 6 states show a filing. Only 23.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2023 through 2026-03-16.
Smart Finance Inc dba Fishtail Financial answers 94.1% 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 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 Smart Finance Inc dba Fishtail Financial.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Smart Finance Inc dba Fishtail Financial: 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: 17.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.1%.
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 Smart Finance Inc dba Fishtail Financial (94.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture