CFPB Consumer Complaint Profile

Toyota Motor Credit Corporation

8,124 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

8,124
Total complaints
1,840
Last 12 months
100%
Timely response
54
States affected

The verdict

8,124 CFPB complaints put Toyota Motor Credit Corporation at #72 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 100%, ahead of the 93% median among companies with 100+ complaints.

#72
of 3,848 companies by volume
100%
answered on time
Vehicle loan or lease
most-complained product
54
states with complaints
Toyota Motor Credit Corporation timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Vehicle loan or lease - Loan 2,192
Credit reporting or other personal consumer reports - Credit reporting 1,744
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 1,373
Vehicle loan or lease - Lease 941
Debt collection - Auto debt 493
Consumer Loan - Vehicle loan 455
Consumer Loan - Vehicle lease 300
Debt collection - I do not know 257
Debt collection - Auto 86
Credit card or prepaid card - General-purpose credit card or charge card 38

Top Issues

1.Incorrect information on your report 2,005
2.Managing the loan or lease 1,545
3.Improper use of your report 799
4.Problems at the end of the loan or lease 589
5.Problem with a credit reporting company's investigation into an existing problem 491
6.Getting a loan or lease 383
7.Problem with a company's investigation into an existing problem 361
8.Attempts to collect debt not owed 323
9.Repossession 305
10.Struggling to pay your loan 215

Complaints by Year

Year Complaints
2012 25
2013 108
2014 174
2015 160
2016 305
2017 416
2018 505
2019 361
2020 475
2021 682
2022 601
2023 811
2024 1,216
2025 1,804
2026 481

Complaints by State (Top 15)

California 1,579
Texas 860
New York 697
Florida 600
Pennsylvania 400
New Jersey 380
Massachusetts 367
Illinois 295
Maryland 264
Virginia 244
Arizona 207
Georgia 204
Nevada 159
Ohio 157
Louisiana 127

Company Responses

Closed with explanation 7,517
Closed with monetary relief 258
Closed with non-monetary relief 245
In progress 99
Closed 5

What the CFPB Complaint Record Shows for Toyota Motor Credit Corporation

Toyota Motor Credit Corporation carries 8,124 complaints in the CFPB's database, 1,840 of them filed within the past 12 months. Consumers spanning 54 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Vehicle loan or lease," 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.

Toyota Motor Credit Corporation's timely response rate stands at 100%, 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. In 23.1% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 6.2% closed with the consumer receiving monetary or non-monetary relief.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Toyota Motor Credit Corporation have?

8,124 complaints have been filed against Toyota Motor Credit Corporation with the CFPB overall - 1,840 of them in the past year.

Does Toyota Motor Credit Corporation respond to complaints on time?

100% of the CFPB complaints against Toyota Motor Credit Corporation get a response within the expected window. This is considered excellent.

What product generates the most complaints for Toyota Motor Credit Corporation?

"Vehicle loan or lease" draws more CFPB complaints against Toyota Motor Credit Corporation than any other product - see the full breakdown above.

What is the most common complaint issue with Toyota Motor Credit Corporation?

"Incorrect information on your report" is the single most frequently cited issue in complaints against Toyota Motor Credit Corporation - see all issues and counts above.

How do I file a complaint against Toyota Motor Credit Corporation?

You can file a complaint against Toyota Motor Credit Corporation 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 Toyota Motor Credit Corporation?

Consumers in 54 states and territories have filed complaints about Toyota Motor Credit Corporation 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026