CFPB Consumer Complaint Profile
Caribou Financial, Inc.
Consumers have filed 25 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
- 25
- Total complaints
- Mid-range
- 14
- Last 12 months
- 100%
- Timely response
- Top decile
- 15
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Caribou Financial, Inc. sits at #2586, with 25 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2586
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 15
- 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.
Caribou Financial, 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 1 in 2024 to 12 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 |
|---|---|
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 3 |
| 2023 | 3 |
| 2024 | 1 |
| 2025 | 12 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Caribou Financial, Inc.
The CFPB Consumer Complaint Database has logged 25 complaints against Caribou Financial, Inc. overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 15 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. The specific issue named most within that category is "Getting a loan or lease," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Caribou Financial, Inc. posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to 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, 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 Caribou Financial, Inc. have?
Caribou Financial, Inc. has 25 total consumer complaints filed with the CFPB, with 14 filed in the last 12 months.
Does Caribou Financial, Inc. respond to complaints on time?
Caribou Financial, Inc. has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Caribou Financial, Inc.?
Among all products tied to Caribou Financial, Inc., "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Caribou Financial, Inc.?
"Getting a loan or lease" is the single most frequently cited issue in complaints against Caribou Financial, Inc. - see all issues and counts above.
How do I file a complaint against Caribou Financial, Inc.?
You can file a complaint against Caribou Financial, 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 Caribou Financial, Inc.?
Consumers in 15 states and territories have filed complaints about Caribou Financial, 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.
Also handles Vehicle loan or lease
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.