CFPB Consumer Complaint Profile
American First Finance, Inc.
Behind the 1,314 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 1,314
- Total complaints
- 212
- Last 12 months
- 99%
- Timely response
- 46
- States affected
The verdict
1,314 CFPB complaints put American First Finance, Inc. at #281 out of 3,848 financial companies ranked by complaint volume. 99% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #281
- of 3,848 companies by volume
- 99%
- answered on time
- Credit reporting, cr…
- most-complained product
- 46
- states with complaints
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 | 4 |
| 2016 | 8 |
| 2017 | 17 |
| 2018 | 36 |
| 2019 | 73 |
| 2020 | 93 |
| 2021 | 162 |
| 2022 | 178 |
| 2023 | 240 |
| 2024 | 235 |
| 2025 | 223 |
| 2026 | 45 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American First Finance, Inc.
1,314 complaints against American First Finance, Inc. appear in the CFPB record, including 212 from the trailing year. The 46 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
American First Finance, Inc.'s timely response rate stands at 99%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 20% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 33.9% closed with the consumer receiving monetary or non-monetary relief.
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 American First Finance, Inc. have?
The CFPB has logged 1,314 complaints against American First Finance, Inc. to date, of which 212 came in over the last 12 months.
Does American First Finance, Inc. respond to complaints on time?
American First Finance, Inc. has a 99% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for American First Finance, Inc.?
The most complained-about product for American First Finance, Inc. is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with American First Finance, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about American First Finance, Inc.; the full issue list with counts is above.
How do I file a complaint against American First Finance, Inc.?
You can file a complaint against American First Finance, 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 American First Finance, Inc.?
Consumers in 46 states and territories have filed complaints about American First Finance, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~1,314)
Also handles Credit reporting, credit repair services, or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.