CFPB Consumer Complaint Profile
CreditNinja Lending, LLC
Behind the 220 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
- 220
- Total complaints
- Above average
- 104
- Last 12 months
- 96.8%
- Timely response
- Below median
- 29
- States affected
The verdict
220 CFPB complaints put CreditNinja Lending, LLC at #862 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 96.8%, the 38th percentile for the 100+ complaint peer group.
- #862
- of 3,843 companies by volume
- 96.8%
- on time (38th pctile)
- Payday loan, title l…
- most-complained product
- 29
- 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.
CreditNinja Lending, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.8% Around the middle higher than 38% 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 29 in 2024 to 100 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 |
|---|---|
| 2018 | 2 |
| 2019 | 6 |
| 2020 | 7 |
| 2021 | 19 |
| 2022 | 12 |
| 2023 | 25 |
| 2024 | 29 |
| 2025 | 100 |
| 2026year in progress | 20 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CreditNinja Lending, LLC
CreditNinja Lending, LLC carries 220 complaints in the CFPB's database, 104 of them filed within the past 12 months. Consumers spanning 29 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Charged fees or interest you didn't expect," a reasonable starting point for understanding recurring friction.
CreditNinja Lending, LLC's timely response rate stands at 96.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, the consumer-relief closure rate is 8.2%.
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 CreditNinja Lending, LLC have?
CreditNinja Lending, LLC has 220 total consumer complaints filed with the CFPB, with 104 filed in the last 12 months.
Does CreditNinja Lending, LLC respond to complaints on time?
CreditNinja Lending, LLC's CFPB timely-response rate is 96.8%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for CreditNinja Lending, LLC?
The most complained-about product for CreditNinja Lending, LLC is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with CreditNinja Lending, LLC?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about CreditNinja Lending, LLC; the full issue list with counts is above.
How do I file a complaint against CreditNinja Lending, LLC?
You can file a complaint against CreditNinja Lending, LLC 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 CreditNinja Lending, LLC?
Consumers in 29 states and territories have filed complaints about CreditNinja Lending, LLC 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 Payday loan, title loan, personal loan, or advance loan
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.