CFPB Consumer Complaint Profile
Oportun Financial Corporation
Consumers have filed 1,816 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
- 1,816
- Total complaints
- Among the highest
- 580
- Last 12 months
- 98.7%
- Timely response
- Above median
- 48
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Oportun Financial Corporation has accumulated 1,816 complaints, placing it #224 by volume. On-time replies land at 98.7%, the 56th percentile for the 100+ complaint peer group.
- #224
- of 3,843 companies by volume
- 98.7%
- on time (56th pctile)
- Credit reporting or …
- most-complained product
- 48
- 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.
Oportun Financial Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.7% Higher than most higher than 56% 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 364 in 2024 to 560 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 |
|---|---|
| 2014 | 2 |
| 2015 | 13 |
| 2016 | 13 |
| 2017 | 26 |
| 2018 | 26 |
| 2019 | 45 |
| 2020 | 79 |
| 2021 | 105 |
| 2022 | 219 |
| 2023 | 241 |
| 2024 | 364 |
| 2025 | 560 |
| 2026year in progress | 123 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Oportun Financial Corporation
The CFPB Consumer Complaint Database has logged 1,816 complaints against Oportun Financial Corporation overall, with 580 of those filed in the trailing 12 months. Reports have come from consumers in 48 states and territories, making this a nationwide 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 "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Oportun Financial Corporation draw a 98.7% 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. Consumers formally disputed the company's response at a 9.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 13.4% 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 Oportun Financial Corporation have?
Oportun Financial Corporation has 1,816 total consumer complaints filed with the CFPB, with 580 filed in the last 12 months.
Does Oportun Financial Corporation respond to complaints on time?
Oportun Financial Corporation's CFPB timely-response rate is 98.7%. That is a strong response record by CFPB standards.
What product generates the most complaints for Oportun Financial Corporation?
The most complained-about product for Oportun Financial Corporation 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 Oportun Financial Corporation?
The most common issue reported by consumers about Oportun Financial Corporation is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Oportun Financial Corporation?
You can file a complaint against Oportun Financial Corporation 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 Oportun Financial Corporation?
The CFPB has recorded complaints against Oportun Financial Corporation from 48 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 Oportun Financial Corporation: 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 complaint volume
Nearest companies by total CFPB complaint count (1,816 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (9.1% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.