CFPB Consumer Complaint Profile
Fresh Start Funding, LLC
Consumers have filed 15 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
- 15
- Total complaints
- Below average
- 6
- Last 12 months
- 93.3%
- Timely response
- Bottom quartile
- 11
- States affected
The verdict
15 CFPB complaints put Fresh Start Funding, LLC at #3232 out of 3,843 financial companies ranked by complaint volume. It posts a 93.3% on-time response rate, the 24th percentile among companies with 100+ complaints.
- #3232
- of 3,843 companies by volume
- 93.3%
- on time (24th pctile)
- Credit reporting or …
- most-complained product
- 11
- 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.
Fresh Start Funding, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.3% Among the lowest higher than 24% 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
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 |
|---|---|
| 2021 | 1 |
| 2023 | 4 |
| 2024 | 4 |
| 2025 | 5 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Fresh Start Funding, LLC
15 complaints against Fresh Start Funding, LLC appear in the CFPB record, including 6 from the trailing year. The 11 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Fresh Start Funding, LLC posts a 93.3% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. 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 Fresh Start Funding, LLC have?
Fresh Start Funding, LLC has 15 total consumer complaints filed with the CFPB, with 6 filed in the last 12 months.
Does Fresh Start Funding, LLC respond to complaints on time?
Fresh Start Funding, LLC has a 93.3% timely response rate to CFPB complaints.
What product generates the most complaints for Fresh Start Funding, LLC?
The most complained-about product for Fresh Start Funding, LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Fresh Start Funding, LLC?
Consumers most often cite "Incorrect information on your report" when complaining about Fresh Start Funding, LLC; the full issue list with counts is above.
How do I file a complaint against Fresh Start Funding, LLC?
You can file a complaint against Fresh Start Funding, 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 Fresh Start Funding, LLC?
The CFPB has recorded complaints against Fresh Start Funding, LLC from 11 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.