This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 63 complaints

CreditNinja Lending, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Complaints by issue type

What consumers report about CreditNinja Lending, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 55.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: CreditNinja Lending, LLC ranks ahead of 25% of the 5,283 collectors PlainCollector grades - 75% keep a cleaner CFPB record, on 63 all-time complaints and a 96% timely-response rate.

25th pct
reputation rank of 5,283 graded collectors
63
CFPB complaints, all-time
96%
answered inside the CFPB window
38
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about CreditNinja Lending, LLC?

CreditNinja Lending, LLC has accumulated 63 total CFPB complaints across 18 states, with 38 filed in the most recent 12 months against 25 historical complaints before that window. The trailing-12-month volume represents 60.3% 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". The company posts a 96% timely-response rate.

Complaints have been recorded across 18 states, led by Texas with 30 and Florida with 8. Normalized against the full CFPB collector database, the reputation score of 55.1/100 places CreditNinja Lending, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

63

low-volume (CCDB)

Last 12 months

38

60.3% of all-time complaints

Rising ↑

States active

18

regional footprint

Timely response rate

96%

excellent band

Reputation grade

D

55.1/100 composite

How does CreditNinja Lending, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 Bottom 25% higher than 25% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

CreditNinja Lending, LLC versus the debt-collection vertical average.

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 32.1%

Share of US states + territories with at least one filed complaint against this collector.

How does CreditNinja Lending, LLC compare to its peers?

How does CreditNinja Lending, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
CreditNinja Lending, L… National average
Complaints (last 12 mo)lower is better
38
7
268
Timely-response ratehigher is better
96%
95%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-08 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 34
Took or threatened to take negative or legal action - 8
Threatened to contact someone or share information improperly - 7
Written notification about debt - 5
False statements or representation - 5
Communication tactics - 4

Where do complaints against CreditNinja Lending, LLC come from?

CreditNinja Lending, LLC's own per-state count, not a national baseline.

Top states by complaints against CreditNinja Lending, LLC

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if CreditNinja Lending, LLC contacts you

A grade of D signals how CreditNinja Lending, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really CreditNinja Lending, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how CreditNinja Lending, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 63 complaints filed with the CFPB.

Are complaints against CreditNinja Lending, LLC increasing or decreasing? ▼

Complaints against CreditNinja Lending, LLC are rising. The company received 38 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 18 states, with the most complaints from Texas (30 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.