CFPB Consumer Complaint Profile
Sparrow Financial, Inc.
197 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
- 197
- Total complaints
- Above average
- 176
- Last 12 months
- 100%
- Timely response
- Top decile
- 34
- States affected
The verdict
197 CFPB complaints put Sparrow Financial, Inc. at #948 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #948
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 34
- 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.
Sparrow Financial, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 9 in 2024 to 133 in 2025 (2024 → 2025).
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 |
|---|---|
| 2024 | 9 |
| 2025 | 133 |
| 2026year in progress | 55 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Sparrow Financial, Inc.
Sparrow Financial, Inc. carries 197 complaints in the CFPB's database, 176 of them filed within the past 12 months. Consumers spanning 34 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Sparrow Financial, Inc. posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.5% 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 Sparrow Financial, Inc. have?
Sparrow Financial, Inc. has 197 total consumer complaints filed with the CFPB, with 176 filed in the last 12 months.
Does Sparrow Financial, Inc. respond to complaints on time?
CFPB complaints against Sparrow Financial, Inc. draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Sparrow Financial, Inc.?
Among all products tied to Sparrow 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 Sparrow Financial, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Sparrow Financial, Inc.; the full issue list with counts is above.
How do I file a complaint against Sparrow Financial, Inc.?
You can file a complaint against Sparrow 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 Sparrow Financial, Inc.?
Consumers in 34 states and territories have filed complaints about Sparrow Financial, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
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 Sparrow Financial, Inc. have?
Sparrow Financial, Inc. has 197 total consumer complaints filed with the CFPB, with 176 filed in the last 12 months.
Does Sparrow Financial, Inc. respond to complaints on time?
CFPB complaints against Sparrow Financial, Inc. draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Sparrow Financial, Inc.?
Among all products tied to Sparrow 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 Sparrow Financial, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Sparrow Financial, Inc.; the full issue list with counts is above.
How do I file a complaint against Sparrow Financial, Inc.?
You can file a complaint against Sparrow 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 Sparrow Financial, Inc.?
Consumers in 34 states and territories have filed complaints about Sparrow Financial, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.