CFPB Consumer Complaint Profile
Opportunity Financial, LLC
Behind the 1,725 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
- 1,725
- Total complaints
- Among the highest
- 751
- Last 12 months
- 99.2%
- Timely response
- Above median
- 49
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Opportunity Financial, LLC has accumulated 1,725 complaints, placing it #234 by volume. Its on-time response rate is 99.2%, the 64th percentile among companies with 100+ complaints.
- #234
- of 3,843 companies by volume
- 99.2%
- on time (64th pctile)
- Credit reporting or …
- most-complained product
- 49
- 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.
Opportunity Financial, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.2% Higher than most higher than 64% 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 394 in 2024 to 708 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 | 3 |
| 2015 | 6 |
| 2016 | 4 |
| 2017 | 18 |
| 2018 | 29 |
| 2019 | 54 |
| 2020 | 43 |
| 2021 | 40 |
| 2022 | 76 |
| 2023 | 178 |
| 2024 | 394 |
| 2025 | 708 |
| 2026year in progress | 172 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Opportunity Financial, LLC
1,725 complaints against Opportunity Financial, LLC appear in the CFPB record, including 751 from the trailing year. The 49 states and territories represented put this footprint in nationwide territory. "Credit reporting 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, "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 Opportunity Financial, LLC draw a 99.2% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 6.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.6% 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 Opportunity Financial, LLC have?
The CFPB has logged 1,725 complaints against Opportunity Financial, LLC to date, of which 751 came in over the last 12 months.
Does Opportunity Financial, LLC respond to complaints on time?
CFPB complaints against Opportunity Financial, LLC draw a 99.2% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Opportunity Financial, LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Opportunity Financial, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Opportunity Financial, LLC?
The most common issue reported by consumers about Opportunity Financial, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Opportunity Financial, LLC?
You can file a complaint against Opportunity Financial, LLC 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 Opportunity Financial, LLC?
The CFPB has recorded complaints against Opportunity Financial, LLC from 49 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 Opportunity Financial, LLC: 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 (1,725 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (6.3% 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.