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 2026-05-15

346
Total complaints
82
Last 12 months
100%
Timely response
35
States affected

The verdict

346 CFPB complaints put Advantage Credit, Inc. at #636 out of 3,848 financial companies ranked by complaint volume. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.

#636
of 3,848 companies by volume
100%
answered on time
Credit reporting or …
most-complained product
35
states with complaints
Advantage Credit, Inc. timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Credit reporting or other personal consumer reports - Credit reporting 178
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 135
Mortgage - Conventional home mortgage 7
Credit reporting or other personal consumer reports - Other personal consumer report 6
Debt collection - I do not know 4
Debt or credit management - Credit repair services 2
Credit card or prepaid card - General-purpose credit card or charge card 2
Credit reporting 2
Credit card - General-purpose credit card or charge card 2
Mortgage - Other type of mortgage 2

Top Issues

1.Improper use of your report 240
2.Incorrect information on your report 60
3.Problem with a company's investigation into an existing problem 13
4.Applying for a mortgage or refinancing an existing mortgage 7
5.Problem with a credit reporting company's investigation into an existing problem 5
6.Attempts to collect debt not owed 4
7.Problem with fraud alerts or security freezes 3
8.Took or threatened to take negative or legal action 2
9.Charged upfront or unexpected fees 1
10.Trouble during payment process 1

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
2026 12

Complaints by State (Top 15)

California 65
Texas 53
Florida 48
New York 23
Georgia 19
Michigan 15
Illinois 15
Ohio 10
North Carolina 9
Washington 9
Pennsylvania 8
Colorado 7
New Jersey 6
Virginia 6
Arizona 6

Company Responses

Closed with explanation 346

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. answers 100% of 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 in 50% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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?

100% of the CFPB complaints against Advantage Credit, Inc. get a response within 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.