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

Subscribe to this company's annual complaint changes (RSS)

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
C+
PlainCredit Trust Score
62/100
Opportunity Financial, LLC · 3 of 3 dimensions reported

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.

Timely Response B 99.2%
Share of complaints answered within the CFPB response window
Dispute Rate B 6.3%
Share of responses the consumer disputed (lower is better)
Relief Rate F 0.6%
Share of complaints closed with monetary or non-monetary relief

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).

See the full year-over-year release diff

Opportunity Financial, LLC timely response rate 99.2%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Credit reporting or other personal consumer reports - Credit reporting 584
Debt collection - I do not know 351
Payday loan, title loan, personal loan, or advance loan - Installment loan 175
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 127
Payday loan, title loan, personal loan, or advance loan - Payday loan 104
Payday loan, title loan, or personal loan - Installment loan 95
Debt collection - Payday loan debt 75
Payday loan, title loan, or personal loan - Payday loan 45
Payday loan, title loan, personal loan, or advance loan - Personal line of credit 40
Debt collection - Other debt 39

Top Issues

1.Incorrect information on your report 440
2.Charged fees or interest you didn't expect 177
3.Improper use of your report 173
4.Attempts to collect debt not owed 172
5.Problem with a company's investigation into an existing problem 150
6.Took or threatened to take negative or legal action 138
7.Struggling to pay your loan 94
8.False statements or representation 84
9.Written notification about debt 74
10.Problem when making payments 29

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)

Florida 291
Texas 164
Illinois 123
California 116
Virginia 116
Michigan 74
South Carolina 65
North Carolina 65
Tennessee 59
Arizona 58
Ohio 54
Alabama 52
Indiana 44
Georgia 43
Missouri 41

Company Responses

Closed with explanation 1,713
Closed with non-monetary relief 10
Closed 2

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 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