CFPB Consumer Complaint Profile
Ingenuity RM, LLC
What 31 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
- 31
- Total complaints
- Mid-range
- 9
- Last 12 months
- 100%
- Timely response
- Top decile
- 5
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Ingenuity RM, LLC has accumulated 31 complaints, placing it #2304 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2304
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 5
- 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.
Ingenuity RM, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 | 7 |
| 2022 | 6 |
| 2023 | 4 |
| 2024 | 3 |
| 2025 | 10 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ingenuity RM, LLC
Ingenuity RM, LLC carries 31 complaints in the CFPB's database, 9 of them filed within the past 12 months. Consumers spanning 5 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Ingenuity RM, LLC draw a 100% 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. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% 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 Ingenuity RM, LLC have?
Ingenuity RM, LLC has 31 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Ingenuity RM, LLC respond to complaints on time?
Ingenuity RM, LLC's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Ingenuity RM, LLC?
"Debt collection" draws more CFPB complaints against Ingenuity RM, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Ingenuity RM, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Ingenuity RM, LLC - see all issues and counts above.
How do I file a complaint against Ingenuity RM, LLC?
You can file a complaint against Ingenuity RM, 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 Ingenuity RM, LLC?
Consumers in 5 states and territories have filed complaints about Ingenuity RM, 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Ingenuity RM, LLC have?
Ingenuity RM, LLC has 31 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Ingenuity RM, LLC respond to complaints on time?
Ingenuity RM, LLC's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Ingenuity RM, LLC?
"Debt collection" draws more CFPB complaints against Ingenuity RM, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Ingenuity RM, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Ingenuity RM, LLC - see all issues and counts above.
How do I file a complaint against Ingenuity RM, LLC?
You can file a complaint against Ingenuity RM, 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 Ingenuity RM, LLC?
Consumers in 5 states and territories have filed complaints about Ingenuity RM, 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.