CFPB Consumer Complaint Profile
Circle Internet Financial
87 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
- 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 has accumulated 87 complaints, placing it #1418 by volume. On-time replies land at 81.6%, the 10th percentile for the 100+ complaint peer group.
- #1418
- of 3,843 companies by volume
- 81.6%
- on time (10th pctile)
- Money transfer, virt…
- most-complained product
- 25
- 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.
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
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 |
|---|---|
| 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 has logged 87 complaints against Circle Internet Financial overall, with 5 of those filed in the trailing 12 months. Reports have come from consumers in 25 states and territories, making this a multi-regional complaint footprint. 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, Circle Internet Financial posts a 81.6% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response carried a 75% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 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.
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.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.