CFPB Consumer Complaint Profile
Creative Finance, Inc.
Behind the 20 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 20
- Total complaints
- Mid-range
- 6
- Last 12 months
- 100%
- Timely response
- Top decile
- 5
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Creative Finance, Inc. sits at #2861, with 20 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 5
- 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.
Creative Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2021 | 1 |
| 2022 | 4 |
| 2023 | 2 |
| 2024 | 4 |
| 2025 | 6 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Creative Finance, Inc.
The CFPB Consumer Complaint Database has logged 20 complaints against Creative Finance, Inc. overall, with 6 of those filed in the trailing 12 months. Reports have come from consumers in 5 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. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Creative Finance, Inc. draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Creative Finance, Inc. have?
Creative Finance, Inc. has 20 total consumer complaints filed with the CFPB, with 6 filed in the last 12 months.
Does Creative Finance, Inc. respond to complaints on time?
CFPB complaints against Creative Finance, Inc. draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Creative Finance, Inc.?
Among all products tied to Creative Finance, Inc., "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Creative Finance, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Creative Finance, Inc.; the full issue list with counts is above.
How do I file a complaint against Creative Finance, Inc.?
You can file a complaint against Creative Finance, 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 Creative Finance, Inc.?
Consumers in 5 states and territories have filed complaints about Creative Finance, 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.
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.