CFPB Consumer Complaint Profile
Circle Internet Financial
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 87
- Total complaints
- Mid-range
- 5
- Last 12 months
- 81.6%
- Timely response
- Bottom quartile
- 25
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Circle Internet Financial places #1418 by volume. For answering complaints on time it stands at the 10th percentile in the 100+ complaint peer group.
- Money transfer, virt…
- most-complained product
- CA
- 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.
Circle Internet Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
81.6% Among the lowest higher than 10% 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 |
|---|---|
| 2016 | 4 |
| 2017 | 3 |
| 2018 | 8 |
| 2019 | 23 |
| 2020 | 4 |
| 2021 | 8 |
| 2022 | 16 |
| 2023 | 11 |
| 2024 | 4 |
| 2025 | 4 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Circle Internet Financial
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Circle Internet Financial, with consumers across the country filing against it. The single largest complaint category is "Money transfer, virtual currency, or money service," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Fraud or scam" - 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 sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates downstream. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Circle Internet Financial: 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 (75% here).
Also handles Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Circle Internet Financial have?
Circle Internet Financial has 87 total consumer complaints filed with the CFPB, with 5 filed in the last 12 months.
Does Circle Internet Financial respond to complaints on time?
Circle Internet Financial has a 81.6% timely response rate to CFPB complaints.
What product generates the most complaints for Circle Internet Financial?
"Money transfer, virtual currency, or money service" draws more CFPB complaints against Circle Internet Financial than any other product - see the full breakdown above.
What is the most common complaint issue with Circle Internet Financial?
The most common issue reported by consumers about Circle Internet Financial is "Fraud or scam." All complaint issues are listed above with their counts.
How do I file a complaint against Circle Internet Financial?
You can file a complaint against Circle Internet Financial 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 Circle Internet Financial?
Consumers in 25 states and territories have filed complaints about Circle Internet Financial 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.