CFPB Consumer Complaint Profile
Toyota Motor Credit Corporation
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 8,124
- Total complaints
- Among the highest
- 1,840
- Last 12 months
- 100%
- Timely response
- Top decile
- 54
- States affected
The verdict
By CFPB complaint volume, Toyota Motor Credit Corporation is #72 out of 3,843 financial companies. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- CA
- state with the most 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.
Toyota Motor Credit Corporation 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 1,216 in 2024 to 1,804 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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 |
| 2026year in progress | 481 |
Complaints by State (Top 15)
Company Responses
Toyota Motor Credit Corporation Complaint Concentration Profile
Toyota Motor Credit Corporation's complaint volume is large enough to measure concentration - not just the headline totals. Across 46 named product lines in the stored breakdown, the leading three (Vehicle loan or lease, Credit reporting or other personal consumer reports, Credit reporting, credit repair services, or other personal consumer reports) hold a 65.3% share of product-tagged complaints. The Herfindahl index on that product mix is 0.170 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Managing the loan or lease, Improper use of your report) cover a 56.4% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Texas, New York) hold a 38.8% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 92.5% share among the 8,124 response-tagged complaints (7,517 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,804 complaints); the lightest year on file was 2012 (25). From 2024 to 2025, annual volume rose 48.4% (1,216 → 1,804). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Toyota Motor Credit Corporation
Toyota Motor Credit Corporation draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. 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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Toyota Motor Credit Corporation: 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 complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.1% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against Toyota Motor Credit Corporation draw a 100% timely-response rate inside 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.