CFPB Consumer Complaint Profile
Cliff's Finance Co., Inc.
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
- 10
- Total complaints
- Below average
- 2
- Last 12 months
- 70%
- Timely response
- Bottom decile
- 1
- States affected
The verdict
By CFPB complaint volume, Cliff's Finance Co., Inc. is #3715 out of 3,843 financial companies. Its on-time response record is at the 6th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TX
- 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.
Cliff's Finance Co., Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
70% Among the lowest higher than 6% 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 |
|---|---|
| 2015 | 1 |
| 2017 | 2 |
| 2019 | 1 |
| 2023 | 2 |
| 2024 | 2 |
| 2025 | 1 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cliff's Finance Co., Inc.
Cliff's Finance Co., Inc. draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. 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 Cliff's Finance Co., 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.
Frequently Asked Questions
How many CFPB complaints does Cliff's Finance Co., Inc. have?
Cliff's Finance Co., Inc. has 10 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Cliff's Finance Co., Inc. respond to complaints on time?
Cliff's Finance Co., Inc.'s CFPB timely-response rate is 70%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Cliff's Finance Co., Inc.?
"Debt collection" draws more CFPB complaints against Cliff's Finance Co., Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Cliff's Finance Co., Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Cliff's Finance Co., Inc. - see all issues and counts above.
How do I file a complaint against Cliff's Finance Co., Inc.?
You can file a complaint against Cliff's Finance Co., 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.