CFPB Consumer Complaint Profile
Equity Auto Finance, Inc.
Behind the 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
- 21
- Total complaints
- Mid-range
- 5
- Last 12 months
- 95.2%
- Timely response
- Below median
- 2
- States affected
The verdict
By CFPB complaint volume, Equity Auto Finance, Inc. is #2800 out of 3,843 financial companies. For answering complaints on time it stands at the 30th percentile in the 100+ complaint peer group.
- Vehicle loan or lease
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Equity Auto Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.2% Around the middle higher than 30% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 3 |
| 2022 | 2 |
| 2023 | 6 |
| 2024 | 1 |
| 2025 | 3 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Equity Auto Finance, Inc.
In the CFPB record, Equity Auto Finance, Inc. has a geographically concentrated complaint footprint. "Vehicle loan or lease" 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 "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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Equity Auto Finance, Inc. have?
The CFPB has logged 21 complaints against Equity Auto Finance, Inc. to date, of which 5 came in over the last 12 months.
Does Equity Auto Finance, Inc. respond to complaints on time?
CFPB complaints against Equity Auto Finance, Inc. draw a 95.2% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Equity Auto Finance, Inc.?
The most complained-about product for Equity Auto Finance, Inc. is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Equity Auto Finance, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Equity Auto Finance, Inc. - see all issues and counts above.
How do I file a complaint against Equity Auto Finance, Inc.?
You can file a complaint against Equity Auto 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 Equity Auto Finance, Inc.?
The CFPB has recorded complaints against Equity Auto Finance, Inc. from 2 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.