Total CFPB complaints
104
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 104 complaints
Credit Karma, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Karma, LLC
- Confusing or misleading advertising or marketing
Confusing or misleading advertising or marketing
20 complaints
- Didn't provide services promised
Didn't provide services promised
17 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Problem with customer service
Problem with customer service
10 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
- False statements or representation 7
False statements or representation
7 complaints
C
Grade C · 62.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Karma, LLC?
Credit Karma, LLC has accumulated 104 total CFPB complaints across 27 states, with 37 filed in the most recent 12 months against 67 historical complaints before that window. The trailing-12-month volume represents 35.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Confusing or misleading advertising or marketing", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 27 states, led by California with 15 and Texas with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.7/100 places Credit Karma, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
37
35.6% of total history
Rising ↑
States active
27
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
62.7/100 composite
Response-quality profile
How Credit Karma, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Karma, LLC compare to its peers?
Credit Karma, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-10 2026-02
Top Consumer Issues
Confusing or misleading advertising or marketing20 (%)
Didn't provide services promised17 (%)
Attempts to collect debt not owed16 (%)
Problem with customer service10 (%)
Took or threatened to take negative or legal action7 (%)
False statements or representation7 (%)
Written notification about debt4 (%)
Confusing or missing disclosures4 (%)
Most common issue: Confusing or misleading advertising or marketing
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Confusing or misleading advertising or marketing | — | 20 |
| Didn't provide services promised | — | 17 |
| Attempts to collect debt not owed | Debt is not yours | 13 |
| Problem with customer service | — | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Confusing or missing disclosures | — | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
Where do complaints against Credit Karma, LLC come from?
The states where consumers have filed the most CFPB complaints against Credit Karma, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Karma, LLC
Across 27 states with at least one filing
- California
California
15 complaints
- Texas
Texas
10 complaints
- Pennsylvania
Pennsylvania
10 complaints
- Ohio
Ohio
8 complaints
- Florida
Florida
7 complaints
- Washington
Washington
7 complaints
- New York 5
New York
5 complaints
- Georgia 5
Georgia
5 complaints
Frequently Asked Questions
What is the most common complaint against Credit Karma, LLC? ▼
The most common issue consumers report about Credit Karma, LLC is "Confusing or misleading advertising or marketing". This is based on 104 complaints filed with the CFPB.
Are complaints against Credit Karma, LLC increasing or decreasing? ▼
Complaints against Credit Karma, LLC are rising. The company received 37 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Karma, LLC's reputation grade? ▼
Credit Karma, LLC has a reputation grade of C (score: 62.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credit Karma, LLC respond to consumer complaints? ▼
Credit Karma, LLC has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Credit Karma, LLC operate? ▼
Credit Karma, LLC has received CFPB complaints from consumers in 27 states, with the most complaints from California (15 complaints).
What can I do if Credit Karma, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit Karma, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |