CFPB Consumer Complaint Profile
OpenRoad Lending
What 121 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
- 121
- Total complaints
- Mid-range
- 10
- Last 12 months
- 100%
- Timely response
- Top decile
- 26
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, OpenRoad Lending sits at #1225, with 121 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1225
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting, cr…
- most-complained product
- 26
- 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.
OpenRoad Lending 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 20 |
| 2017 | 16 |
| 2018 | 21 |
| 2019 | 14 |
| 2020 | 8 |
| 2021 | 5 |
| 2022 | 10 |
| 2023 | 2 |
| 2024 | 8 |
| 2025 | 13 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for OpenRoad Lending
The CFPB Consumer Complaint Database has logged 121 complaints against OpenRoad Lending overall, with 10 of those filed in the trailing 12 months. Reports have come from consumers in 26 states and territories, making this a multi-regional complaint footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against OpenRoad Lending draw a 100% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 36% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.8% closed with some form of monetary or non-monetary relief to the consumer.
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 OpenRoad Lending have?
The CFPB has logged 121 complaints against OpenRoad Lending to date, of which 10 came in over the last 12 months.
Does OpenRoad Lending respond to complaints on time?
OpenRoad Lending's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for OpenRoad Lending?
Among all products tied to OpenRoad Lending, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with OpenRoad Lending?
The most common issue reported by consumers about OpenRoad Lending is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against OpenRoad Lending?
You can file a complaint against OpenRoad Lending 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 OpenRoad Lending?
OpenRoad Lending has drawn CFPB complaints from 26 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for OpenRoad Lending: 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 (36% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does OpenRoad Lending have?
The CFPB has logged 121 complaints against OpenRoad Lending to date, of which 10 came in over the last 12 months.
Does OpenRoad Lending respond to complaints on time?
OpenRoad Lending's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for OpenRoad Lending?
Among all products tied to OpenRoad Lending, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with OpenRoad Lending?
The most common issue reported by consumers about OpenRoad Lending is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against OpenRoad Lending?
You can file a complaint against OpenRoad Lending 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 OpenRoad Lending?
OpenRoad Lending has drawn CFPB complaints from 26 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.