CFPB Consumer Complaint Profile
Advantage Credit, Inc.
346 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 346
- Total complaints
- Above average
- 82
- Last 12 months
- 100%
- Timely response
- Top decile
- 35
- States affected
The verdict
346 CFPB complaints put Advantage Credit, Inc. at #635 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #635
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 35
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Advantage Credit, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 67 in 2024 to 97 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2017 | 3 |
| 2018 | 5 |
| 2019 | 3 |
| 2020 | 22 |
| 2021 | 36 |
| 2022 | 45 |
| 2023 | 55 |
| 2024 | 67 |
| 2025 | 97 |
| 2026year in progress | 12 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Advantage Credit, Inc.
The CFPB Consumer Complaint Database has logged 346 complaints against Advantage Credit, Inc. overall, with 82 of those filed in the trailing 12 months. Reports have come from consumers in 35 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Advantage Credit, Inc. posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 50% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Advantage Credit, Inc. have?
346 complaints have been filed against Advantage Credit, Inc. with the CFPB overall - 82 of them in the past year.
Does Advantage Credit, Inc. respond to complaints on time?
CFPB complaints against Advantage Credit, Inc. draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Advantage Credit, Inc.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Advantage Credit, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Advantage Credit, Inc.?
Consumers most often cite "Improper use of your report" when complaining about Advantage Credit, Inc.; the full issue list with counts is above.
How do I file a complaint against Advantage Credit, Inc.?
You can file a complaint against Advantage Credit, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Advantage Credit, Inc.?
The CFPB has recorded complaints against Advantage Credit, Inc. from 35 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Advantage Credit, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (50% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.