CFPB Consumer Complaint Profile
Harpeth Financial Services, LLC
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
- 669
- Total complaints
- Above average
- 183
- Last 12 months
- 98.1%
- Timely response
- Below median
- 37
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Harpeth Financial Services, LLC places #431 by volume. For answering complaints on time it stands at the 48th percentile in the 100+ complaint peer group.
- Payday loan, title l…
- most-complained product
- TN
- 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.
Harpeth Financial Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.1% Around the middle higher than 48% 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 68 in 2024 to 164 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 4 |
| 2015 | 14 |
| 2016 | 23 |
| 2017 | 41 |
| 2018 | 53 |
| 2019 | 58 |
| 2020 | 73 |
| 2021 | 42 |
| 2022 | 30 |
| 2023 | 50 |
| 2024 | 68 |
| 2025 | 164 |
| 2026year in progress | 48 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Harpeth Financial Services, LLC
Harpeth Financial Services, LLC draws a multi-regional spread of CFPB complaints, filed by consumers in many parts of the country. "Payday loan, title loan, personal loan, or advance loan" 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 "Charged fees or interest you didn't expect" - 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. 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 Harpeth Financial Services, 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 dispute rates
Nearest companies by share of complaints marked disputed (14% here).
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Harpeth Financial Services, LLC have?
669 complaints have been filed against Harpeth Financial Services, LLC with the CFPB overall - 183 of them in the past year.
Does Harpeth Financial Services, LLC respond to complaints on time?
Harpeth Financial Services, LLC's CFPB timely-response rate is 98.1%. That is a strong response record by CFPB standards.
What product generates the most complaints for Harpeth Financial Services, LLC?
The most complained-about product for Harpeth Financial Services, LLC is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Harpeth Financial Services, LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against Harpeth Financial Services, LLC - see all issues and counts above.
How do I file a complaint against Harpeth Financial Services, LLC?
You can file a complaint against Harpeth Financial Services, 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 Harpeth Financial Services, LLC?
Consumers in 37 states and territories have filed complaints about Harpeth Financial Services, 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.