CFPB Consumer Complaint Profile
Exeter Finance, LLC.
8,124 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 8,124
- Total complaints
- Among the highest
- 2,771
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 54
- States affected
The verdict
8,124 CFPB complaints put Exeter Finance, LLC. at #72 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 99.8%, the 79th percentile for the 100+ complaint peer group.
- #72
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Credit reporting or …
- most-complained product
- 54
- 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.
Exeter Finance, LLC. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 1,352 in 2024 to 2,671 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 |
|---|---|
| 2013 | 16 |
| 2014 | 63 |
| 2015 | 73 |
| 2016 | 108 |
| 2017 | 212 |
| 2018 | 248 |
| 2019 | 245 |
| 2020 | 335 |
| 2021 | 543 |
| 2022 | 696 |
| 2023 | 896 |
| 2024 | 1,352 |
| 2025 | 2,671 |
| 2026year in progress | 666 |
Complaints by State (Top 15)
Company Responses
Exeter Finance, LLC. Complaint Concentration Profile
Exeter Finance, LLC. is a high-volume CFPB cohort (8,124 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 45 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Vehicle loan or lease, Credit reporting, credit repair services, or other personal consumer reports) hold a 76.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.216 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Improper use of your report, Incorrect information on your report, Managing the loan or lease) cover a 57.8% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Georgia, Texas, Florida) hold a 36.6% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 99.9% share among the 8,124 response-tagged complaints (8,114 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (2,671 complaints); the lightest year on file was 2013 (16). From 2024 to 2025, annual volume rose 97.6% (1,352 → 2,671). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Exeter Finance, LLC.
8,124 complaints against Exeter Finance, LLC. appear in the CFPB record, including 2,771 from the trailing year. The 54 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Exeter Finance, LLC. posts a 99.8% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 21.1% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Exeter Finance, LLC. have?
Exeter Finance, LLC. has 8,124 total consumer complaints filed with the CFPB, with 2,771 filed in the last 12 months.
Does Exeter Finance, LLC. respond to complaints on time?
Exeter Finance, LLC. has a 99.8% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Exeter Finance, LLC.?
Among all products tied to Exeter Finance, LLC., "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 Exeter Finance, LLC.?
Consumers most often cite "Improper use of your report" when complaining about Exeter Finance, LLC.; the full issue list with counts is above.
How do I file a complaint against Exeter Finance, LLC.?
You can file a complaint against Exeter Finance, 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 Exeter Finance, LLC.?
Consumers in 54 states and territories have filed complaints about Exeter Finance, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Exeter Finance, LLC.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (8,124 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.1% here).
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.