CFPB Consumer Complaint Profile
DreamSpring
Consumers have filed 77 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 77
- Total complaints
- Mid-range
- 48
- Last 12 months
- 100%
- Timely response
- Top decile
- 16
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, DreamSpring sits at #1492, with 77 complaints logged. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1492
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 16
- 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.
DreamSpring 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 21 in 2024 to 46 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 |
|---|---|
| 2024 | 21 |
| 2025 | 46 |
| 2026year in progress | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for DreamSpring
DreamSpring carries 77 complaints in the CFPB's database, 48 of them filed within the past 12 months. Consumers spanning 16 states and territories have weighed in, giving this a multi-regional footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
DreamSpring's timely response rate stands at 100%, 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 0%.
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 DreamSpring have?
DreamSpring has 77 total consumer complaints filed with the CFPB, with 48 filed in the last 12 months.
Does DreamSpring respond to complaints on time?
DreamSpring's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for DreamSpring?
Among all products tied to DreamSpring, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with DreamSpring?
"Incorrect information on your report" is the single most frequently cited issue in complaints against DreamSpring - see all issues and counts above.
How do I file a complaint against DreamSpring?
You can file a complaint against DreamSpring 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 DreamSpring?
The CFPB has recorded complaints against DreamSpring from 16 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
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.