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 2026-05-15

220
Total complaints
23
Last 12 months
93.2%
Timely response
28
States affected

The verdict

Sarma ranks #863 of 3,848 financial companies by CFPB complaint volume, with 220 complaints on record. It answers 93.2% of complaints on time - above the 93% median for companies with 100+ complaints.

#863
of 3,848 companies by volume
93.2%
answered on time
Credit reporting, cr…
most-complained product
28
states with complaints
Sarma timely response rate 93.2%
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, credit repair services, or other personal consumer reports - Credit reporting 46
Debt collection - I do not know 41
Debt collection - Medical debt 38
Debt collection - Medical 25
Credit reporting or other personal consumer reports - Credit reporting 18
Debt collection - Credit card debt 15
Debt collection - Other debt 9
Debt collection - Other (i.e. phone, health club, etc.) 6
Debt collection - Auto debt 4
Checking or savings account - Checking account 4

Top Issues

1.Written notification about debt 42
2.Attempts to collect debt not owed 37
3.Improper use of your report 35
4.Incorrect information on your report 25
5.Cont'd attempts collect debt not owed 21
6.Disclosure verification of debt 10
7.Communication tactics 9
8.Problem with a credit reporting company's investigation into an existing problem 9
9.False statements or representation 8
10.Threatened to contact someone or share information improperly 7

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
2026 9

Complaints by State (Top 15)

Texas 130
Florida 25
California 15
North Carolina 4
Utah 4
Arizona 4
Virginia 4
Ohio 3
Georgia 3
Louisiana 3
AP 3
Nevada 2
Illinois 2
Maryland 2
New Mexico 2

Company Responses

Closed with explanation 219
Closed with non-monetary relief 1

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. In 14.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0.5% closed with the consumer receiving monetary or non-monetary relief.

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 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?

93.2% of the CFPB complaints against Sarma get a response within 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.

Similar Companies

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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.