CFPB Consumer Complaint Profile
Spero Solutions, Inc.
Consumers have filed 14 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 5
- Last 12 months
- 14.3%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
14 CFPB complaints put Spero Solutions, Inc. at #3314 out of 3,843 financial companies ranked by complaint volume. It posts a 14.3% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 14.3%
- on time (1st pctile)
- Student loan
- most-complained product
- 7
- 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.
Spero Solutions, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
14.3% Among the lowest higher than 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 |
|---|---|
| 2015 | 1 |
| 2016 | 1 |
| 2018 | 2 |
| 2020 | 1 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 1 |
| 2025 | 4 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Spero Solutions, Inc.
14 complaints against Spero Solutions, Inc. appear in the CFPB record, including 5 from the trailing year. The 7 states and territories represented put this footprint in geographically concentrated territory. "Student loan" 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 "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Spero Solutions, Inc. posts a 14.3% reply rate on forwarded complaints. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 14.3% 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 Spero Solutions, Inc. have?
Spero Solutions, Inc. has 14 total consumer complaints filed with the CFPB, with 5 filed in the last 12 months.
Does Spero Solutions, Inc. respond to complaints on time?
Spero Solutions, Inc. has a 14.3% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Spero Solutions, Inc.?
The most complained-about product for Spero Solutions, Inc. is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Spero Solutions, Inc.?
The most common issue reported by consumers about Spero Solutions, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Spero Solutions, Inc.?
You can file a complaint against Spero Solutions, 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 Spero Solutions, Inc.?
Consumers in 7 states and territories have filed complaints about Spero Solutions, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Spero Solutions, 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 (0% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Spero Solutions, Inc. have?
Spero Solutions, Inc. has 14 total consumer complaints filed with the CFPB, with 5 filed in the last 12 months.
Does Spero Solutions, Inc. respond to complaints on time?
Spero Solutions, Inc. has a 14.3% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Spero Solutions, Inc.?
The most complained-about product for Spero Solutions, Inc. is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Spero Solutions, Inc.?
The most common issue reported by consumers about Spero Solutions, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Spero Solutions, Inc.?
You can file a complaint against Spero Solutions, 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 Spero Solutions, Inc.?
Consumers in 7 states and territories have filed complaints about Spero Solutions, 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.