CFPB Consumer Complaint Profile
FactorTrust, Inc.
What 1,915 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
- 1,915
- Total complaints
- Among the highest
- 18
- Last 12 months
- 99.3%
- Timely response
- Above median
- 48
- States affected
The verdict
FactorTrust, Inc. ranks #215 of 3,843 financial companies by CFPB complaint volume, with 1,915 complaints on record. On-time replies land at 99.3%, the 66th percentile for the 100+ complaint peer group.
- #215
- of 3,843 companies by volume
- 99.3%
- on time (66th pctile)
- Credit reporting or …
- most-complained product
- 48
- 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.
FactorTrust, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.3% Higher than most higher than 66% 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 859 in 2024 to 291 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 |
|---|---|
| 2014 | 1 |
| 2015 | 4 |
| 2016 | 5 |
| 2017 | 9 |
| 2018 | 18 |
| 2019 | 63 |
| 2020 | 131 |
| 2021 | 133 |
| 2022 | 106 |
| 2023 | 295 |
| 2024 | 859 |
| 2025 | 291 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for FactorTrust, Inc.
The CFPB Consumer Complaint Database has logged 1,915 complaints against FactorTrust, Inc. overall, with 18 of those filed in the trailing 12 months. Reports have come from consumers in 48 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against FactorTrust, Inc. draw a 99.3% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 7.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.2% 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 FactorTrust, Inc. have?
1,915 complaints have been filed against FactorTrust, Inc. with the CFPB overall - 18 of them in the past year.
Does FactorTrust, Inc. respond to complaints on time?
FactorTrust, Inc.'s CFPB timely-response rate is 99.3%. This is considered excellent.
What product generates the most complaints for FactorTrust, Inc.?
Among all products tied to FactorTrust, Inc., "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 FactorTrust, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against FactorTrust, Inc. - see all issues and counts above.
How do I file a complaint against FactorTrust, Inc.?
You can file a complaint against FactorTrust, 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 FactorTrust, Inc.?
The CFPB has recorded complaints against FactorTrust, Inc. from 48 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for FactorTrust, Inc.: 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 (1,915 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (7.7% 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.