CFPB Consumer Complaint Profile
SmartCredit LLC
What 22 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 9
- Last 12 months
- 4.5%
- Timely response
- Bottom decile
- 14
- States affected
The verdict
22 CFPB complaints put SmartCredit LLC at #2732 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 4.5%, the 0th percentile among companies with 100+ complaints.
- #2732
- of 3,843 companies by volume
- 4.5%
- on time (0th pctile)
- Credit reporting or …
- most-complained product
- 14
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
SmartCredit LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
4.5% Among the lowest in the bottom 1% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 1 |
| 2023 | 5 |
| 2024 | 7 |
| 2025 | 6 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for SmartCredit LLC
22 complaints against SmartCredit LLC appear in the CFPB record, including 9 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against SmartCredit LLC draw a 4.5% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 0% 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 4.5% 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 SmartCredit LLC have?
22 complaints have been filed against SmartCredit LLC with the CFPB overall - 9 of them in the past year.
Does SmartCredit LLC respond to complaints on time?
CFPB complaints against SmartCredit LLC draw a 4.5% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for SmartCredit LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against SmartCredit LLC than any other product - see the full breakdown above.
What is the most common complaint issue with SmartCredit LLC?
Consumers most often cite "Incorrect information on your report" when complaining about SmartCredit LLC; the full issue list with counts is above.
How do I file a complaint against SmartCredit LLC?
You can file a complaint against SmartCredit 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 SmartCredit LLC?
The CFPB has recorded complaints against SmartCredit LLC from 14 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 SmartCredit 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 (0% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does SmartCredit LLC have?
22 complaints have been filed against SmartCredit LLC with the CFPB overall - 9 of them in the past year.
Does SmartCredit LLC respond to complaints on time?
CFPB complaints against SmartCredit LLC draw a 4.5% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for SmartCredit LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against SmartCredit LLC than any other product - see the full breakdown above.
What is the most common complaint issue with SmartCredit LLC?
Consumers most often cite "Incorrect information on your report" when complaining about SmartCredit LLC; the full issue list with counts is above.
How do I file a complaint against SmartCredit LLC?
You can file a complaint against SmartCredit 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 SmartCredit LLC?
The CFPB has recorded complaints against SmartCredit LLC from 14 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.