Viva Finance Inc.
104 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.
Viva Finance Inc. complaint mix by product
- Credit reporting 61 59.2% – 0% relief
- Debt collection 21 20.4% – 0% relief
- Payday loan, 15 14.6% – 0% relief
- Credit reporting, 3 2.9% – 0% relief
- Vehicle loan 1 1.0% – 0% relief
- Money transfer, 1 1.0% – 0% relief
- Credit card 1 1.0% – 0% relief
How Viva Finance Inc.'s 104 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 | 61 |
| Debt collection | 21 |
| Payday loan, title loan, personal loan, or advance loan | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Vehicle loan or lease | 1 |
| Money transfer, virtual currency, or money service | 1 |
| Credit card | 1 |
| Payday loan, title loan, or personal loan | 1 |
Top States
| State | Complaints |
|---|---|
| GA | 32 |
| FL | 23 |
| TX | 11 |
| IL | 7 |
| SC | 5 |
| CA | 4 |
| MI | 3 |
| NJ | 3 |
| MD | 2 |
| NY | 2 |
| PA | 2 |
| NC | 1 |
| OK | 1 |
| MO | 1 |
| LA | 1 |
| OH | 1 |
| CO | 1 |
| AL | 1 |
| MN | 1 |
| TN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 36 |
| Improper use of your report | 30 |
| Attempts to collect debt not owed | 8 |
| Took or threatened to take negative or legal action | 6 |
| False statements or representation | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Charged fees or interest you didn't expect | 4 |
| Getting a line of credit | 2 |
| Problem when making payments | 1 |
| Can't stop withdrawals from your bank account | 1 |
| Written notification about debt | 1 |
| Struggling to pay your loan | 1 |
| Getting a loan or lease | 1 |
| Other transaction problem | 1 |
| Unable to get your credit report or credit score | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Issues with repayment | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 3 | 100% |
| 2023 | 9 | 100% |
| 2024 | 10 | 100% |
| 2025 | 52 | 100% |
| 2026 | 30 | 96.7% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Viva Finance Inc.
Viva Finance Inc.'s 104 logged complaints stay concentrated: only 21 states show a filing on record. Only 33.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2022 through 2026-06-26.
Viva Finance Inc. answers 99% of complaints inside the CFPB's tracked window and closes 98.1% with a written explanation. 0% 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 Viva Finance 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 Viva Finance Inc. have?
104, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Viva Finance Inc. respond to complaints on time?
99% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Viva Finance Inc.?
"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.