CFPB · Mid-pack CFPB posture
Viva Finance Inc.
104 CFPB complaints · 21 states · top issue Incorrect information on your report.
Viva Finance Inc. has 104 consumer complaints in the CFPB public database. Timely response is 99%; 0% closed with relief; top product Credit reporting or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +900% filings 2022 to 2026
CFPB relief outcome brief
CCDB company viva-finance-inc
0% relief · 99% timely · 104 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Viva Finance Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 104 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Where Viva Finance Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 30.8% of this company's filings
Viva Finance Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 30
- +900% vs 2022
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
What the CFPB record shows about Viva Finance Inc.
Viva Finance Inc.'s 104 logged complaints stay concentrated: only 21 states show a filing. Only 33.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Viva Finance 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: 104.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99%.
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 Viva Finance Inc. (99% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture