CFPB Consumer Complaint Profile
Chaparral Inc
22 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 5
- Last 12 months
- 100%
- Timely response
- Top decile
- 3
- States affected
The verdict
Chaparral Inc ranks #2732 of 3,843 financial companies by CFPB complaint volume, with 22 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2732
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 3
- 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.
Chaparral 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
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 | 2 |
| 2016 | 1 |
| 2017 | 3 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 1 |
| 2022 | 1 |
| 2024 | 3 |
| 2025 | 6 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Chaparral Inc
Chaparral Inc carries 22 complaints in the CFPB's database, 5 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" 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 "Improper use of 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, Chaparral 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. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 27.3% rate.
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 Chaparral Inc have?
22 complaints have been filed against Chaparral Inc with the CFPB overall - 5 of them in the past year.
Does Chaparral Inc respond to complaints on time?
Chaparral Inc's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Chaparral Inc?
Among all products tied to Chaparral Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Chaparral Inc?
Consumers most often cite "Improper use of your report" when complaining about Chaparral Inc; the full issue list with counts is above.
How do I file a complaint against Chaparral Inc?
You can file a complaint against Chaparral 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 Chaparral Inc?
Chaparral Inc has drawn CFPB complaints from 3 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Chaparral 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 dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
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.