CFPB Consumer Complaint Profile
Cooley Enterprises Inc
What 129 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
- 129
- Total complaints
- Mid-range
- 27
- Last 12 months
- 7%
- Timely response
- Bottom decile
- 10
- States affected
The verdict
129 CFPB complaints put Cooley Enterprises Inc at #1187 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 7%, the 1st percentile for the 100+ complaint peer group.
- #1187
- of 3,843 companies by volume
- 7%
- on time (1st pctile)
- Vehicle loan or lease
- most-complained product
- 10
- 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.
Cooley Enterprises Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
7% Among the lowest higher than 1% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 11 in 2024 to 30 in 2025 (2024 → 2025).
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 |
|---|---|
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 4 |
| 2017 | 16 |
| 2018 | 13 |
| 2019 | 5 |
| 2020 | 12 |
| 2021 | 12 |
| 2022 | 7 |
| 2023 | 7 |
| 2024 | 11 |
| 2025 | 30 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cooley Enterprises Inc
The CFPB Consumer Complaint Database has logged 129 complaints against Cooley Enterprises Inc overall, with 27 of those filed in the trailing 12 months. Reports have come from consumers in 10 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Vehicle loan or lease," 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.
Cooley Enterprises Inc's timely response rate stands at 7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 35.7% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 2.3% 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 Cooley Enterprises Inc have?
129 complaints have been filed against Cooley Enterprises Inc with the CFPB overall - 27 of them in the past year.
Does Cooley Enterprises Inc respond to complaints on time?
Cooley Enterprises Inc has a 7% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Cooley Enterprises Inc?
"Vehicle loan or lease" draws more CFPB complaints against Cooley Enterprises Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Cooley Enterprises Inc?
Consumers most often cite "Improper use of your report" when complaining about Cooley Enterprises Inc; the full issue list with counts is above.
How do I file a complaint against Cooley Enterprises Inc?
You can file a complaint against Cooley Enterprises 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 Cooley Enterprises Inc?
Cooley Enterprises Inc has drawn CFPB complaints from 10 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Cooley Enterprises 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 (35.7% here).
Also handles Vehicle loan or lease
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.