CFPB · Narrative-heavy record
TomoCredit Inc.
358 CFPB complaints · 60.3% with narratives · top issue Incorrect information on your report.
TomoCredit Inc.: 60.3% of 358 filings include consumer narratives. Timely 86.6% · relief 0.3% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- -75.4% filings 2024 to 2026
CFPB relief outcome brief
CCDB company tomocredit-inc
0.3% relief · 86.6% timely · 358 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Kovo (0.3% relief)
TomoCredit Inc. closes 0.3% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of TomoCredit Inc.'s 358 filings include narrative text
60.3% 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.
TomoCredit Inc. complaint mix by product
- Credit reporting 137 38.7% – 1% relief
- Credit card 111 31.4% – 0% relief
- Debt or 71 20.1% – 0% relief
- Payday loan, 15 4.2% – 0% relief
- Debt collection 9 2.5% – 0% relief
- Checking or 6 1.7% – 0% relief
- Money transfer, 5 1.4% – 0% relief
How TomoCredit Inc.'s 358 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 | 137 |
| Credit card | 111 |
| Debt or credit management | 71 |
| Payday loan, title loan, personal loan, or advance loan | 15 |
| Debt collection | 9 |
| Checking or savings account | 6 |
| Money transfer, virtual currency, or money service | 5 |
| Prepaid card | 3 |
| Mortgage | 1 |
Nationwide filing states for TomoCredit Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 12.3% of this company's filings
TomoCredit Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 44
- -75.4% vs 2024
Top States
| State | Complaints |
|---|---|
| CA | 44 |
| FL | 39 |
| PA | 25 |
| IL | 22 |
| NY | 22 |
| TX | 21 |
| GA | 21 |
| MD | 15 |
| MI | 12 |
| NC | 12 |
| LA | 12 |
| OH | 11 |
| AZ | 9 |
| MS | 8 |
| NJ | 8 |
| NV | 8 |
| WI | 6 |
| MA | 6 |
| OR | 5 |
| WA | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 43 |
| Credit monitoring or identity theft protection services | 39 |
| Closing your account | 36 |
| Problem with a company's investigation into an existing problem | 34 |
| Didn't provide services promised | 29 |
| Other features, terms, or problems | 21 |
| Problem with customer service | 20 |
| Advertising and marketing, including promotional offers | 20 |
| Problem with a purchase shown on your statement | 19 |
| Improper use of your report | 14 |
| Charged upfront or unexpected fees | 10 |
| Confusing or misleading advertising or marketing | 9 |
| Getting a credit card | 8 |
| Unable to get your credit report or credit score | 7 |
| Getting a line of credit | 5 |
| Problem with a lender or other company charging your account | 5 |
| Unauthorized transactions or other transaction problem | 4 |
| Problem with additional add-on products or services | 4 |
| False statements or representation | 3 |
| Electronic communications | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 179 | 83.8% |
| 2025 | 135 | 85.9% |
| 2026 | 44 | 100% |
Source: CFPB Consumer Complaint Database
TomoCredit Inc.'s narrative-rich complaint ledger
TomoCredit Inc.'s 358 logged complaints reach a nationwide footprint - 41 states have at least one filing. 60.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-06-09.
TomoCredit Inc. answers 86.6% of complaints inside the CFPB's tracked window and closes 99.7% with a written explanation. 0.3% 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 TomoCredit Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for TomoCredit 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: 358.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 86.6%.
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 TomoCredit Inc. (86.6% timely; 0.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record