Total complaints
22
Filed since 2016
2026 data Public-data reference. official source
SmartCredit LLC
22 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
22 consumer complaints filed with the CFPB
This profile shows SmartCredit LLC's complaint history from CFPB public records. 22 consumers have filed complaints since 2016. The company has a 4.5% timely response rate and has provided relief in 4.5% of cases.
22
Total Complaints
4.5%
Timely Response
0%
Disputed
4.5%
Relief Provided
12
States Active
2016
Since
Timely response
4.5%
CFPB-tracked response window
Relief rate
4.5%
Closed with monetary or non-monetary relief
Timely response rate 4.5%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 4.5%
Industry median
Share closed with monetary or non-monetary relief.
SmartCredit LLC complaint mix by product
- Credit reporting 14 63.6% – 0% relief
- Debt or 2 9.1% – 0% relief
- Credit reporting, 2 9.1% – 0% relief
- Credit card 2 9.1% – 0% relief
- Money transfer, 1 4.5% – 0% relief
- Other financial 1 4.5% – 100% relief
How SmartCredit LLC's 22 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 | 14 |
| Debt or credit management | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Credit card | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Other financial service | 1 |
Top States
| State | Complaints |
|---|---|
| NY | 8 |
| MD | 2 |
| FL | 2 |
| TN | 2 |
| NC | 1 |
| NM | 1 |
| SC | 1 |
| LA | 1 |
| TX | 1 |
| IL | 1 |
| OH | 1 |
| PA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Credit monitoring or identity theft protection services | 6 |
| Incorrect information on your report | 5 |
| Confusing or misleading advertising or marketing | 2 |
| Unable to get your credit report or credit score | 2 |
| Improper use of your report | 2 |
| Confusing or missing disclosures | 1 |
| Charged upfront or unexpected fees | 1 |
| Customer service/Customer relations | 1 |
| Trouble using your card | 1 |
| Problem with a company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2023 | 3 | 0% |
| 2024 | 6 | 0% |
| 2025 | 6 | 0% |
| 2026 | 6 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About SmartCredit LLC
SmartCredit LLC has accumulated 22 consumer complaints in the CFPB public database, with filings active across 12 U.S. states. Of those submissions, 7 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2016, and the most recent logged activity is 2026-03-22, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, SmartCredit LLC reports a 4.5% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 4.5% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Credit reporting or other personal consumer reports", and the single most common underlying issue is "Credit monitoring or identity theft protection services".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating SmartCredit LLC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 SmartCredit LLC have?
SmartCredit LLC has received 22 consumer complaints filed with the Consumer Financial Protection Bureau.
Does SmartCredit LLC respond to complaints on time?
SmartCredit LLC has a 4.5% timely response rate to CFPB complaints.
What is the most common complaint about SmartCredit LLC?
The most common issue reported against SmartCredit LLC is "Credit monitoring or identity theft protection services" in the "Credit reporting or other personal consumer reports" product category.
Read our methodology — how this data is sourced, computed, and verified.
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