CFPB Consumer Complaint Profile
Dakota Financial, LLC
What 74 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
- 74
- Total complaints
- Mid-range
- 21
- Last 12 months
- 98.6%
- Timely response
- Above median
- 25
- States affected
The verdict
74 CFPB complaints put Dakota Financial, LLC at #1516 out of 3,843 financial companies ranked by complaint volume. It posts a 98.6% on-time response rate, the 55th percentile among companies with 100+ complaints.
- #1516
- of 3,843 companies by volume
- 98.6%
- on time (55th pctile)
- Credit reporting or …
- most-complained product
- 25
- 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.
Dakota Financial, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.6% Higher than most higher than 55% 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 |
|---|---|
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 2 |
| 2022 | 9 |
| 2023 | 13 |
| 2024 | 20 |
| 2025 | 22 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Dakota Financial, LLC
Dakota Financial, LLC carries 74 complaints in the CFPB's database, 21 of them filed within the past 12 months. Consumers spanning 25 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Dakota Financial, LLC posts a 98.6% reply rate on forwarded complaints. 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 1.4% 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 Dakota Financial, LLC have?
Dakota Financial, LLC has 74 total consumer complaints filed with the CFPB, with 21 filed in the last 12 months.
Does Dakota Financial, LLC respond to complaints on time?
Dakota Financial, LLC's CFPB timely-response rate is 98.6%. This is considered excellent.
What product generates the most complaints for Dakota Financial, LLC?
The most complained-about product for Dakota Financial, LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Dakota Financial, LLC?
Consumers most often cite "Improper use of your report" when complaining about Dakota Financial, LLC; the full issue list with counts is above.
How do I file a complaint against Dakota Financial, LLC?
You can file a complaint against Dakota Financial, 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 Dakota Financial, LLC?
Consumers in 25 states and territories have filed complaints about Dakota Financial, 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 Credit reporting 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.