CFPB Consumer Complaint Profile
Cogent Road, Inc.
What 35 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, with 35 complaints logged. On-time replies land at 82.9%, the 11th percentile for the 100+ complaint peer group.
- #2180
- of 3,843 companies by volume
- 82.9%
- on time (11th pctile)
- Credit reporting, cr…
- most-complained product
- 13
- 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.
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
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 | 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.
35 complaints against Cogent Road, Inc. appear in the CFPB record, including 0 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. "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, Cogent Road, Inc. posts a 82.9% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 8.6%.
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 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.
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.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.