CFPB Consumer Complaint Profile

Risecredit, LLC

809 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

809
Total complaints
18
Last 12 months
93.6%
Timely response
39
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Risecredit, LLC has accumulated 809 complaints, placing it #377 by volume. Its on-time response rate is 93.6%, ahead of the 93% median among companies with 100+ complaints.

#377
of 3,848 companies by volume
93.6%
answered on time
Credit reporting, cr…
most-complained product
39
states with complaints
Risecredit, LLC timely response rate 93.6%
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, credit repair services, or other personal consumer reports - Credit reporting 161
Consumer Loan - Installment loan 113
Payday loan, title loan, or personal loan - Installment loan 111
Payday loan 74
Debt collection - I do not know 67
Debt collection - Payday loan debt 57
Payday loan, title loan, or personal loan - Payday loan 57
Debt collection - Payday loan 38
Debt collection - Other debt 26
Credit reporting or other personal consumer reports - Credit reporting 22

Top Issues

1.Incorrect information on your report 139
2.Attempts to collect debt not owed 79
3.Charged fees or interest you didn't expect 59
4.Communication tactics 47
5.Managing the loan or lease 44
6.Struggling to pay your loan 43
7.Problem with a credit reporting company's investigation into an existing problem 39
8.Improper use of your report 37
9.Problems when you are unable to pay 32
10.Charged fees or interest I didn't expect 32

Complaints by Year

Year Complaints
2013 1
2014 67
2015 96
2016 89
2017 103
2018 110
2019 106
2020 68
2021 62
2022 27
2023 34
2024 23
2025 21
2026 2

Complaints by State (Top 15)

California 203
Texas 105
Ohio 72
South Carolina 65
Alabama 45
Wisconsin 44
Georgia 43
Missouri 40
Illinois 27
Mississippi 18
Tennessee 16
Utah 16
Delaware 13
New Mexico 12
Kansas 11

Company Responses

Closed with explanation 797
Closed 8
Closed with non-monetary relief 3
Closed with monetary relief 1

What the CFPB Complaint Record Shows for Risecredit, LLC

Risecredit, LLC carries 809 complaints in the CFPB's database, 18 of them filed within the past 12 months. Consumers spanning 39 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.

93.6% of CFPB-forwarded complaints against Risecredit, LLC get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 17.3% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0.5% of resolved complaints ended with some monetary or non-monetary relief for 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Risecredit, LLC have?

Risecredit, LLC has 809 total consumer complaints filed with the CFPB, with 18 filed in the last 12 months.

Does Risecredit, LLC respond to complaints on time?

Risecredit, LLC's CFPB timely-response rate is 93.6%.

What product generates the most complaints for Risecredit, LLC?

"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Risecredit, LLC than any other product - see the full breakdown above.

What is the most common complaint issue with Risecredit, LLC?

The most common issue reported by consumers about Risecredit, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.

How do I file a complaint against Risecredit, LLC?

You can file a complaint against Risecredit, 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 Risecredit, LLC?

The CFPB has recorded complaints against Risecredit, LLC from 39 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.

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Also handles Credit reporting, credit repair services, or other personal consumer reports

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.