CFPB Consumer Complaint Profile
Model Finance Company
Behind the 43 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
- 43
- Total complaints
- Mid-range
- 14
- Last 12 months
- 69.8%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Model Finance Company has accumulated 43 complaints, placing it #1975 by volume. It posts a 69.8% on-time response rate, the 6th percentile among companies with 100+ complaints.
- #1975
- of 3,843 companies by volume
- 69.8%
- on time (6th pctile)
- Credit reporting or …
- most-complained product
- 8
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Model Finance Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
69.8% Among the lowest higher than 6% 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 3 in 2024 to 19 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 2 |
| 2014 | 1 |
| 2017 | 4 |
| 2018 | 1 |
| 2019 | 3 |
| 2020 | 8 |
| 2021 | 1 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 19 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Model Finance Company
The CFPB Consumer Complaint Database has logged 43 complaints against Model Finance Company overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
Model Finance Company's timely response rate stands at 69.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved cases drew a formal consumer-dispute rate of 33.3% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 14% 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 Model Finance Company have?
Model Finance Company has 43 total consumer complaints filed with the CFPB, with 14 filed in the last 12 months.
Does Model Finance Company respond to complaints on time?
Model Finance Company's CFPB timely-response rate is 69.8%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Model Finance Company?
Among all products tied to Model Finance Company, "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 Model Finance Company?
The most common issue reported by consumers about Model Finance Company is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Model Finance Company?
You can file a complaint against Model Finance Company 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 Model Finance Company?
The CFPB has recorded complaints against Model Finance Company from 8 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 Model Finance Company: 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.
Frequently Asked Questions
How many CFPB complaints does Model Finance Company have?
Model Finance Company has 43 total consumer complaints filed with the CFPB, with 14 filed in the last 12 months.
Does Model Finance Company respond to complaints on time?
Model Finance Company's CFPB timely-response rate is 69.8%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Model Finance Company?
Among all products tied to Model Finance Company, "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 Model Finance Company?
The most common issue reported by consumers about Model Finance Company is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Model Finance Company?
You can file a complaint against Model Finance Company 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 Model Finance Company?
The CFPB has recorded complaints against Model Finance Company from 8 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.