CFPB Consumer Complaint Profile
Sarma
Behind the 220 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
- 220
- Total complaints
- Above average
- 23
- Last 12 months
- 93.2%
- Timely response
- Bottom quartile
- 28
- States affected
The verdict
Sarma ranks #862 of 3,843 financial companies by CFPB complaint volume, with 220 complaints on record. It posts a 93.2% on-time response rate, the 24th percentile among companies with 100+ complaints.
- #862
- of 3,843 companies by volume
- 93.2%
- on time (24th pctile)
- Credit reporting, cr…
- most-complained product
- 28
- 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.
Sarma vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.2% Among the lowest higher than 24% 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 10 in 2024 to 22 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 |
|---|---|
| 2013 | 4 |
| 2014 | 10 |
| 2015 | 12 |
| 2016 | 11 |
| 2017 | 13 |
| 2018 | 23 |
| 2019 | 27 |
| 2020 | 27 |
| 2021 | 24 |
| 2022 | 12 |
| 2023 | 16 |
| 2024 | 10 |
| 2025 | 22 |
| 2026year in progress | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Sarma
The CFPB Consumer Complaint Database has logged 220 complaints against Sarma overall, with 23 of those filed in the trailing 12 months. Reports have come from consumers in 28 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Credit reporting, credit repair services, or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Written notification about debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Sarma's timely response rate stands at 93.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 14.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0.5%.
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 Sarma have?
Sarma has 220 total consumer complaints filed with the CFPB, with 23 filed in the last 12 months.
Does Sarma respond to complaints on time?
CFPB complaints against Sarma draw a 93.2% timely-response rate inside the expected window.
What product generates the most complaints for Sarma?
Among all products tied to Sarma, "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 Sarma?
The most common issue reported by consumers about Sarma is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against Sarma?
You can file a complaint against Sarma 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 Sarma?
The CFPB has recorded complaints against Sarma from 28 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 Sarma: 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 (14.3% here).
Also handles Credit reporting, credit repair services, 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.