CFPB · Mid-pack CFPB posture
SmartCredit LLC
27 CFPB complaints · 16 states · top issue Incorrect information on your report.
SmartCredit LLC has 27 consumer complaints in the CFPB public database. Timely response is 3.7%; 3.7% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +700% filings 2016 to 2026
CFPB relief outcome brief
CCDB company smartcredit-llc
3.7% relief · 3.7% timely · 27 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Southern Auto Finance Co (3.7% relief)
SmartCredit LLC closes 3.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
SmartCredit LLC scores strongest on relief provided (17/100 percentile-benchmarked) and weakest on timely response (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
17 / 100 percentile-benchmarked
3.7% of complaints closed with relief to the consumer
Timely response
0 / 100 percentile-benchmarked
3.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
0 / 100 percentile-benchmarked
0% of complaints closed with an explanation to the consumer
How 27 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.
SmartCredit LLC complaint mix by product
- Credit reporting 16 59.3% – 0% relief
- Credit reporting, 4 14.8% – 0% relief
- Debt or 3 11.1% – 0% relief
- Credit card 2 7.4% – 0% relief
- Money transfer, 1 3.7% – 0% relief
- Other financial 1 3.7% – 100% relief
How SmartCredit LLC's 27 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 | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Debt or credit management | 3 |
| Credit card | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Other financial service | 1 |
Where SmartCredit LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 29.6% of this company's filings
SmartCredit LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 8
- +700% vs 2016
Top States
| State | Complaints |
|---|---|
| NY | 8 |
| MD | 2 |
| VA | 2 |
| TN | 2 |
| FL | 2 |
| MN | 1 |
| IL | 1 |
| PA | 1 |
| SC | 1 |
| NM | 1 |
| NC | 1 |
| TX | 1 |
| LA | 1 |
| OH | 1 |
| GA | 1 |
| MO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 7 |
| Credit monitoring or identity theft protection services | 6 |
| Improper use of your report | 3 |
| Confusing or misleading advertising or marketing | 2 |
| Unable to get your credit report or credit score | 2 |
| Confusing or missing disclosures | 2 |
| Fraud or scam | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Trouble using your card | 1 |
| Charged upfront or unexpected fees | 1 |
| Customer service / Customer relations | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2023 | 5 | 0% |
| 2024 | 7 | 0% |
| 2025 | 6 | 0% |
| 2026 | 8 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about SmartCredit LLC
SmartCredit LLC's 27 logged complaints stay concentrated: only 16 states show a filing. Only 37% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2016 through 2026-05-21.
SmartCredit LLC answers 3.7% of complaints inside the CFPB's tracked window and closes 0% with a written explanation. 3.7% 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 SmartCredit LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for SmartCredit 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: 27.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 3.7%.
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 SmartCredit LLC (3.7% timely; 3.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture