CFPB Consumer Complaint Profile
Transform Credit Inc.
Consumers have filed 296 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
- 296
- Total complaints
- Above average
- 126
- Last 12 months
- 97%
- Timely response
- Below median
- 27
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Transform Credit Inc. sits at #708, with 296 complaints logged. On-time replies land at 97%, the 39th percentile for the 100+ complaint peer group.
- #708
- of 3,843 companies by volume
- 97%
- on time (39th pctile)
- Credit reporting or …
- most-complained product
- 27
- 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.
Transform Credit Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97% Around the middle higher than 39% 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 61 in 2024 to 120 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 |
|---|---|
| 2022 | 31 |
| 2023 | 50 |
| 2024 | 61 |
| 2025 | 120 |
| 2026year in progress | 34 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Transform Credit Inc.
The CFPB Consumer Complaint Database has logged 296 complaints against Transform Credit Inc. overall, with 126 of those filed in the trailing 12 months. Reports have come from consumers in 27 states and territories, making this a multi-regional complaint 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 "Improper use of your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Transform Credit Inc. posts a 97% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 23%.
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 Transform Credit Inc. have?
The CFPB has logged 296 complaints against Transform Credit Inc. to date, of which 126 came in over the last 12 months.
Does Transform Credit Inc. respond to complaints on time?
Transform Credit Inc.'s CFPB timely-response rate is 97%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Transform Credit Inc.?
The most complained-about product for Transform Credit Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Transform Credit Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Transform Credit Inc. - see all issues and counts above.
How do I file a complaint against Transform Credit Inc.?
You can file a complaint against Transform Credit 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 Transform Credit Inc.?
Consumers in 27 states and territories have filed complaints about Transform Credit 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 Transform Credit Inc. have?
The CFPB has logged 296 complaints against Transform Credit Inc. to date, of which 126 came in over the last 12 months.
Does Transform Credit Inc. respond to complaints on time?
Transform Credit Inc.'s CFPB timely-response rate is 97%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Transform Credit Inc.?
The most complained-about product for Transform Credit Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Transform Credit Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Transform Credit Inc. - see all issues and counts above.
How do I file a complaint against Transform Credit Inc.?
You can file a complaint against Transform Credit 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 Transform Credit Inc.?
Consumers in 27 states and territories have filed complaints about Transform Credit 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.