CFPB Consumer Complaint Profile
Main Street Personal Finance
46 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 46
- Total complaints
- Mid-range
- 0
- Last 12 months
- 54.3%
- Timely response
- Bottom decile
- 11
- States affected
The verdict
46 CFPB complaints put Main Street Personal Finance at #1915 out of 3,843 financial companies ranked by complaint volume. It posts a 54.3% on-time response rate, the 3rd percentile among companies with 100+ complaints.
- #1915
- of 3,843 companies by volume
- 54.3%
- on time (3rd pctile)
- Payday loan
- most-complained product
- 11
- 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.
Main Street Personal Finance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
54.3% Among the lowest higher than 3% 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 |
|---|---|
| 2014 | 6 |
| 2015 | 8 |
| 2016 | 13 |
| 2017 | 3 |
| 2018 | 7 |
| 2019 | 8 |
| 2020 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Main Street Personal Finance
Main Street Personal Finance carries 46 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 11 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Payday loan," which sits at the top of the product breakdown. Inside that category, "Charged bank acct wrong day or amt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Main Street Personal Finance's timely response rate stands at 54.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 3.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 2.2%.
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 Main Street Personal Finance have?
46 complaints have been filed against Main Street Personal Finance with the CFPB overall - 0 of them in the past year.
Does Main Street Personal Finance respond to complaints on time?
CFPB complaints against Main Street Personal Finance draw a 54.3% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Main Street Personal Finance?
"Payday loan" draws more CFPB complaints against Main Street Personal Finance than any other product - see the full breakdown above.
What is the most common complaint issue with Main Street Personal Finance?
"Charged bank acct wrong day or amt" is the single most frequently cited issue in complaints against Main Street Personal Finance - see all issues and counts above.
How do I file a complaint against Main Street Personal Finance?
You can file a complaint against Main Street Personal Finance 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 Main Street Personal Finance?
Consumers in 11 states and territories have filed complaints about Main Street Personal Finance 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Main Street Personal Finance: 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 (3.7% here).
Also handles Payday loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Main Street Personal Finance have?
46 complaints have been filed against Main Street Personal Finance with the CFPB overall - 0 of them in the past year.
Does Main Street Personal Finance respond to complaints on time?
CFPB complaints against Main Street Personal Finance draw a 54.3% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Main Street Personal Finance?
"Payday loan" draws more CFPB complaints against Main Street Personal Finance than any other product - see the full breakdown above.
What is the most common complaint issue with Main Street Personal Finance?
"Charged bank acct wrong day or amt" is the single most frequently cited issue in complaints against Main Street Personal Finance - see all issues and counts above.
How do I file a complaint against Main Street Personal Finance?
You can file a complaint against Main Street Personal Finance 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 Main Street Personal Finance?
Consumers in 11 states and territories have filed complaints about Main Street Personal Finance 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.