Total CFPB complaints
46
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 46 complaints
CreditNinja Lending, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CreditNinja Lending, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- Threatened to contact someone or share information improperly 6
Threatened to contact someone or share information improperly
6 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 55.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CreditNinja Lending, LLC?
CreditNinja Lending, LLC has accumulated 46 total CFPB complaints across 17 states, with 25 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 54.3% 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 "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Texas with 21 and Florida with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.1/100 places CreditNinja Lending, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
25
54.3% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Reputation grade
D
55.1/100 composite
Response-quality profile
How CreditNinja Lending, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does CreditNinja Lending, LLC compare to its peers?
CreditNinja Lending, L… 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)
2021-04 2026-01
Top Consumer Issues
Attempts to collect debt not owed22 (%)
Threatened to contact someone or share information improperly6 (%)
False statements or representation4 (%)
Took or threatened to take negative or legal action3 (%)
Communication tactics1 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 10 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 3 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
Where do complaints against CreditNinja Lending, LLC come from?
The states where consumers have filed the most CFPB complaints against CreditNinja Lending, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CreditNinja Lending, LLC
Across 17 states with at least one filing
- Texas
Texas
21 complaints
- Florida 5
Florida
5 complaints
- Missouri 3
Missouri
3 complaints
- South Carolina 3
South Carolina
3 complaints
- Alabama 2
Alabama
2 complaints
- Delaware 1
Delaware
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against CreditNinja Lending, LLC? ▼
The most common issue consumers report about CreditNinja Lending, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 46 complaints filed with the CFPB.
Are complaints against CreditNinja Lending, LLC increasing or decreasing? ▼
Complaints against CreditNinja Lending, LLC are rising. The company received 25 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CreditNinja Lending, LLC's reputation grade? ▼
CreditNinja Lending, LLC has a reputation grade of D (score: 55.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does CreditNinja Lending, LLC respond to consumer complaints? ▼
CreditNinja Lending, LLC has a 96% timely response rate to CFPB complaints.
In how many states does CreditNinja Lending, LLC operate? ▼
CreditNinja Lending, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from Texas (21 complaints).
What can I do if CreditNinja Lending, 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 CreditNinja Lending, 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 |