CFPB Consumer Complaint Profile
Houston Finance Co.
Behind the 24 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
- 24
- Total complaints
- Mid-range
- 9
- Last 12 months
- 75%
- Timely response
- Bottom decile
- 2
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Houston Finance Co. sits at #2628, with 24 complaints logged. It posts a 75% on-time response rate, the 7th percentile among companies with 100+ complaints.
- #2628
- of 3,843 companies by volume
- 75%
- on time (7th pctile)
- Credit reporting or …
- most-complained product
- 2
- 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.
Houston Finance Co. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
75% Among the lowest higher than 7% 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 |
|---|---|
| 2016 | 3 |
| 2017 | 4 |
| 2020 | 1 |
| 2021 | 1 |
| 2023 | 1 |
| 2024 | 4 |
| 2025 | 7 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Houston Finance Co.
Houston Finance Co. carries 24 complaints in the CFPB's database, 9 of them filed within the past 12 months. Consumers spanning 2 states and territories have weighed in, giving this a geographically concentrated footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Houston Finance Co. draw a 75% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response carried a 33.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 4.2% 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 Houston Finance Co. have?
Houston Finance Co. has 24 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Houston Finance Co. respond to complaints on time?
Houston Finance Co. has a 75% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Houston Finance Co.?
Among all products tied to Houston Finance Co., "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 Houston Finance Co.?
Consumers most often cite "Improper use of your report" when complaining about Houston Finance Co.; the full issue list with counts is above.
How do I file a complaint against Houston Finance Co.?
You can file a complaint against Houston Finance Co. 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 Houston Finance Co.?
Houston Finance Co. has drawn CFPB complaints from 2 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Houston Finance Co.: 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 (33.3% 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.