CFPB Consumer Complaint Profile
Cactus Jacks Auto Sales
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 39
- Total complaints
- Mid-range
- 20
- Last 12 months
- 97.4%
- Timely response
- Below median
- 9
- States affected
The verdict
Cactus Jacks Auto Sales ranks #2072 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 42nd percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- AZ
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Cactus Jacks Auto Sales vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.4% Around the middle higher than 42% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 3 |
| 2020 | 1 |
| 2021 | 3 |
| 2022 | 1 |
| 2024 | 9 |
| 2025 | 18 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cactus Jacks Auto Sales
Cactus Jacks Auto Sales draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Cactus Jacks Auto Sales have?
Cactus Jacks Auto Sales has 39 total consumer complaints filed with the CFPB, with 20 filed in the last 12 months.
Does Cactus Jacks Auto Sales respond to complaints on time?
Cactus Jacks Auto Sales has a 97.4% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Cactus Jacks Auto Sales?
The most complained-about product for Cactus Jacks Auto Sales is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Cactus Jacks Auto Sales?
Consumers most often cite "Incorrect information on your report" when complaining about Cactus Jacks Auto Sales; the full issue list with counts is above.
How do I file a complaint against Cactus Jacks Auto Sales?
You can file a complaint against Cactus Jacks Auto Sales 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 Cactus Jacks Auto Sales?
Cactus Jacks Auto Sales has drawn CFPB complaints from 9 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.