CFPB Consumer Complaint Profile
Self Financial Inc.
10,170 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 10,170
- Total complaints
- Among the highest
- 4,278
- Last 12 months
- 98.4%
- Timely response
- Above median
- 55
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Self Financial Inc. has accumulated 10,170 complaints, placing it #60 by volume. On-time replies land at 98.4%, the 52nd percentile for the 100+ complaint peer group.
- #60
- of 3,843 companies by volume
- 98.4%
- on time (52nd pctile)
- Credit reporting or …
- most-complained product
- 55
- 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.
Self Financial Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.4% Higher than most higher than 52% 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 2,346 in 2024 to 4,119 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 |
|---|---|
| 2020 | 122 |
| 2021 | 428 |
| 2022 | 730 |
| 2023 | 1,296 |
| 2024 | 2,346 |
| 2025 | 4,119 |
| 2026year in progress | 1,129 |
Complaints by State (Top 15)
Company Responses
Self Financial Inc. Complaint Concentration Profile
Self Financial Inc. is a high-volume CFPB cohort (10,170 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 44 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Debt collection, Credit reporting, credit repair services, or other personal consumer reports) hold a 77.8% share of product-tagged complaints. The Herfindahl index on that product mix is 0.304 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Improper use of your report, Problem with a company's investigation into an existing problem) cover a 68.3% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, Georgia) hold a 32.9% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 97.4% share among the 10,170 response-tagged complaints (9,904 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (4,119 complaints); the lightest year on file was 2020 (122). From 2024 to 2025, annual volume rose 75.6% (2,346 → 4,119). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Self Financial Inc.
Self Financial Inc. carries 10,170 complaints in the CFPB's database, 4,278 of them filed within the past 12 months. Consumers spanning 55 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. 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.
Self Financial Inc.'s timely response rate stands at 98.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1% 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 Self Financial Inc. have?
Self Financial Inc. has 10,170 total consumer complaints filed with the CFPB, with 4,278 filed in the last 12 months.
Does Self Financial Inc. respond to complaints on time?
Self Financial Inc. has a 98.4% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Self Financial Inc.?
Among all products tied to Self Financial Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Self Financial Inc.?
The most common issue reported by consumers about Self Financial Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Self Financial Inc.?
You can file a complaint against Self Financial Inc. 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 Self Financial Inc.?
Self Financial Inc. has drawn CFPB complaints from 55 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Self Financial Inc.: 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 (10,170 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.