CFPB Consumer Complaint Profile
FactorTrust, Inc.
What the 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. For answering complaints on time it stands at the 66th percentile in the 100+ complaint peer group.
- Credit reporting or …
- 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.
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).
Reading this profile
Source: CFPB Consumer Complaint Database
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 shows a nationwide complaint footprint for FactorTrust, Inc., with consumers across the country filing against it. 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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. 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.
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.
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.
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.