SmartCredit LLC
27 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 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 on record. Only 37% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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.
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?
27, per the CFPB's public complaint count for this company (see the full breakdown above).
Does SmartCredit LLC respond to complaints on time?
3.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about SmartCredit 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.