Transform Credit Inc.
335 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.
Transform Credit Inc. complaint mix by product
- Credit reporting 131 39.7% – 32% relief
- Payday loan, 103 31.2% – 12% relief
- Debt collection 41 12.4% – 29% relief
- Payday loan, 24 7.3% – 0% relief
- Credit reporting, 24 7.3% – 4% relief
- Money transfer, 4 1.2% – 0% relief
- Credit card 3 0.9% – 0% relief
How Transform Credit Inc.'s 335 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 | 131 |
| Payday loan, title loan, personal loan, or advance loan | 103 |
| Debt collection | 41 |
| Payday loan, title loan, or personal loan | 24 |
| Credit reporting, credit repair services, or other personal consumer reports | 24 |
| Money transfer, virtual currency, or money service | 4 |
| Credit card or prepaid card | 3 |
| Credit card | 2 |
| Debt or credit management | 1 |
| Mortgage | 1 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| GA | 94 |
| CA | 74 |
| FL | 42 |
| TX | 27 |
| IL | 16 |
| VA | 11 |
| OR | 8 |
| WI | 7 |
| NY | 7 |
| MO | 6 |
| UT | 6 |
| AZ | 6 |
| NC | 4 |
| NM | 4 |
| MD | 3 |
| NV | 3 |
| PA | 2 |
| NH | 2 |
| IN | 2 |
| ID | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 76 |
| Incorrect information on your report | 67 |
| Charged fees or interest you didn't expect | 25 |
| Attempts to collect debt not owed | 23 |
| Getting the loan | 20 |
| Problem when making payments | 16 |
| Getting a line of credit | 12 |
| Problem with a company's investigation into an existing problem | 9 |
| Problem with fraud alerts or security freezes | 8 |
| Problem with additional add-on products or services | 8 |
| Struggling to pay your loan | 8 |
| Took or threatened to take negative or legal action | 7 |
| Credit monitoring or identity theft protection services | 7 |
| False statements or representation | 7 |
| Confusing or misleading advertising or marketing | 5 |
| Problem with the payoff process at the end of the loan | 5 |
| Received a loan you didn't apply for | 4 |
| Getting a credit card | 3 |
| Fraud or scam | 3 |
| Communication tactics | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 31 | 100% |
| 2023 | 50 | 92% |
| 2024 | 61 | 98.4% |
| 2025 | 120 | 99.2% |
| 2026 | 73 | 95.9% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Transform Credit Inc.
Transform Credit Inc.'s 335 logged complaints stay concentrated: only 30 states show a filing on record. 47.8% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2022 through 2026-06-26.
Transform Credit Inc. answers 97.3% of complaints inside the CFPB's tracked window and closes 77.6% with a written explanation. 21.2% 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 "Improper use of 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 Transform Credit Inc..
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 Transform Credit Inc. have?
335, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Transform Credit Inc. respond to complaints on time?
97.3% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Transform Credit Inc.?
"Improper use of 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.