CFPB Consumer Complaint Profile
Cogent Road, Inc.
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 35
- Total complaints
- Mid-range
- 0
- Last 12 months
- 82.9%
- Timely response
- Bottom quartile
- 13
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Cogent Road, Inc. sits at #2180. For answering complaints on time it stands at the 11th percentile in the 100+ complaint peer group.
- Credit reporting, cr…
- 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.
Cogent Road, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
82.9% Among the lowest higher than 11% 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 | 4 |
| 2016 | 1 |
| 2017 | 4 |
| 2018 | 5 |
| 2019 | 2 |
| 2020 | 3 |
| 2021 | 8 |
| 2022 | 5 |
| 2023 | 1 |
| 2024 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cogent Road, Inc.
In the CFPB record, Cogent Road, Inc. has a geographically concentrated complaint footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. 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 Cogent Road, 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 Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Cogent Road, Inc. have?
Cogent Road, Inc. has 35 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Cogent Road, Inc. respond to complaints on time?
Cogent Road, Inc. has a 82.9% timely response rate to CFPB complaints.
What product generates the most complaints for Cogent Road, Inc.?
Among all products tied to Cogent Road, Inc., "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Cogent Road, Inc.?
The most common issue reported by consumers about Cogent Road, Inc. is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Cogent Road, Inc.?
You can file a complaint against Cogent Road, 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 Cogent Road, Inc.?
Consumers in 13 states and territories have filed complaints about Cogent Road, 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.