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 2026-08-14
- 1,314
- Total complaints
- Among the highest
- 212
- Last 12 months
- 99%
- Timely response
- Above median
- 46
- States affected
The verdict
1,314 CFPB complaints put American First Finance, Inc. at #282 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 99%, the 60th percentile for the 100+ complaint peer group.
- #282
- of 3,843 companies by volume
- 99%
- on time (60th pctile)
- Credit reporting, cr…
- most-complained product
- 46
- 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.
American First Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99% Higher than most higher than 60% 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 235 in 2024 to 223 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 | 4 |
| 2016 | 8 |
| 2017 | 17 |
| 2018 | 36 |
| 2019 | 73 |
| 2020 | 93 |
| 2021 | 162 |
| 2022 | 178 |
| 2023 | 240 |
| 2024 | 235 |
| 2025 | 223 |
| 2026year in progress | 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. Resolved cases drew a formal consumer-dispute rate of 20% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 33.9%.
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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American First Finance, 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 complaint volume
Nearest companies by total CFPB complaint count (1,314 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (20% here).
Also handles Credit reporting, credit repair services, 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.