CFPB Consumer Complaint Profile
LendingUSA
Consumers have filed 201 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
- 201
- Total complaints
- Above average
- 39
- Last 12 months
- 94%
- Timely response
- Below median
- 34
- States affected
The verdict
201 CFPB complaints put LendingUSA at #926 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 94%, the 26th percentile for the 100+ complaint peer group.
- #926
- of 3,843 companies by volume
- 94%
- on time (26th pctile)
- Payday loan, title l…
- most-complained product
- 34
- 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.
LendingUSA vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94% Around the middle higher than 26% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 2 |
| 2017 | 6 |
| 2018 | 8 |
| 2019 | 11 |
| 2020 | 24 |
| 2021 | 29 |
| 2022 | 21 |
| 2023 | 23 |
| 2024 | 32 |
| 2025 | 38 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for LendingUSA
The CFPB Consumer Complaint Database has logged 201 complaints against LendingUSA overall, with 39 of those filed in the trailing 12 months. Reports have come from consumers in 34 states and territories, making this a multi-regional complaint footprint. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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 LendingUSA draw a 94% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 4.5%.
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 LendingUSA have?
The CFPB has logged 201 complaints against LendingUSA to date, of which 39 came in over the last 12 months.
Does LendingUSA respond to complaints on time?
LendingUSA has a 94% timely response rate to CFPB complaints.
What product generates the most complaints for LendingUSA?
The most complained-about product for LendingUSA is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with LendingUSA?
"Incorrect information on your report" is the single most frequently cited issue in complaints against LendingUSA - see all issues and counts above.
How do I file a complaint against LendingUSA?
You can file a complaint against LendingUSA 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 LendingUSA?
The CFPB has recorded complaints against LendingUSA from 34 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for LendingUSA: 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 (0% here).
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does LendingUSA have?
The CFPB has logged 201 complaints against LendingUSA to date, of which 39 came in over the last 12 months.
Does LendingUSA respond to complaints on time?
LendingUSA has a 94% timely response rate to CFPB complaints.
What product generates the most complaints for LendingUSA?
The most complained-about product for LendingUSA is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with LendingUSA?
"Incorrect information on your report" is the single most frequently cited issue in complaints against LendingUSA - see all issues and counts above.
How do I file a complaint against LendingUSA?
You can file a complaint against LendingUSA 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 LendingUSA?
The CFPB has recorded complaints against LendingUSA from 34 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.