CFPB Consumer Complaint Profile
Social Finance, Inc.
992 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
- 992
- Total complaints
- Among the highest
- 0
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 50
- States affected
The verdict
Social Finance, Inc. ranks #329 of 3,843 financial companies by CFPB complaint volume, with 992 complaints on record. Its on-time response rate is 99.7%, the 76th percentile among companies with 100+ complaints.
- #329
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Checking or savings …
- most-complained product
- 50
- 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.
Social Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% 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 2021 to 2022 complete years
- Annual CFPB complaint volume moved from 227 in 2021 to 345 in 2022 (2021 → 2022).
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 |
|---|---|
| 2012 | 1 |
| 2014 | 8 |
| 2015 | 19 |
| 2016 | 48 |
| 2017 | 61 |
| 2018 | 70 |
| 2019 | 93 |
| 2020 | 120 |
| 2021 | 227 |
| 2022 | 345 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Social Finance, Inc.
Social Finance, Inc. carries 992 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 50 states and territories have weighed in, giving this a nationwide footprint. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Social Finance, Inc. draw a 99.7% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 24.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 2.5% closed with some form of monetary or non-monetary relief to 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, 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 Social Finance, Inc. have?
992 complaints have been filed against Social Finance, Inc. with the CFPB overall - 0 of them in the past year.
Does Social Finance, Inc. respond to complaints on time?
Social Finance, Inc.'s CFPB timely-response rate is 99.7%. This is considered excellent.
What product generates the most complaints for Social Finance, Inc.?
"Checking or savings account" draws more CFPB complaints against Social Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Social Finance, Inc.?
The most common issue reported by consumers about Social Finance, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Social Finance, Inc.?
You can file a complaint against Social Finance, 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 Social Finance, Inc.?
The CFPB has recorded complaints against Social Finance, Inc. from 50 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 Social Finance, 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 dispute rates
Nearest companies by share of complaints marked disputed (24.7% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Social Finance, Inc. have?
992 complaints have been filed against Social Finance, Inc. with the CFPB overall - 0 of them in the past year.
Does Social Finance, Inc. respond to complaints on time?
Social Finance, Inc.'s CFPB timely-response rate is 99.7%. This is considered excellent.
What product generates the most complaints for Social Finance, Inc.?
"Checking or savings account" draws more CFPB complaints against Social Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Social Finance, Inc.?
The most common issue reported by consumers about Social Finance, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Social Finance, Inc.?
You can file a complaint against Social Finance, 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 Social Finance, Inc.?
The CFPB has recorded complaints against Social Finance, Inc. from 50 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.