CFPB Consumer Complaint Profile
Kovo
Behind the 768 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
- 768
- Total complaints
- Among the highest
- 475
- Last 12 months
- 100%
- Timely response
- Top decile
- 41
- States affected
The verdict
768 CFPB complaints put Kovo at #393 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #393
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 41
- 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.
Kovo 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 152 in 2024 to 399 in 2025 (2024 → 2025).
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 | 8 |
| 2023 | 52 |
| 2024 | 152 |
| 2025 | 399 |
| 2026year in progress | 150 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Kovo
Kovo carries 768 complaints in the CFPB's database, 475 of them filed within the past 12 months. Consumers spanning 41 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Kovo draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.4% 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 Kovo have?
768 complaints have been filed against Kovo with the CFPB overall - 475 of them in the past year.
Does Kovo respond to complaints on time?
CFPB complaints against Kovo draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Kovo?
The most complained-about product for Kovo 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 Kovo?
The most common issue reported by consumers about Kovo is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Kovo?
You can file a complaint against Kovo 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 Kovo?
Consumers in 41 states and territories have filed complaints about Kovo 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 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 Kovo have?
768 complaints have been filed against Kovo with the CFPB overall - 475 of them in the past year.
Does Kovo respond to complaints on time?
CFPB complaints against Kovo draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Kovo?
The most complained-about product for Kovo 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 Kovo?
The most common issue reported by consumers about Kovo is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Kovo?
You can file a complaint against Kovo 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 Kovo?
Consumers in 41 states and territories have filed complaints about Kovo 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.