What is the most common complaint against Cumulus Funding LLC?

The most common issue consumers report about Cumulus Funding LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2 complaints filed with the CFPB.

Are complaints against Cumulus Funding LLC increasing or decreasing?

Complaints against Cumulus Funding LLC are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Cumulus Funding LLC's reputation grade?

Cumulus Funding LLC has a reputation grade of F (score: 39.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cumulus Funding LLC respond to consumer complaints?

Cumulus Funding LLC has a 0% timely response rate to CFPB complaints.

In how many states does Cumulus Funding LLC operate?

Cumulus Funding LLC has received CFPB complaints from consumers in 1 states, with the most complaints from Idaho (2 complaints).

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

Cumulus Funding LLC - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record cumulus-funding-llc Cumulus Funding LLC

Grade F · 2 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #4015 · compose #4910

VOL 2
GRADE F
12MO 2
STATES 1
TIMELY 0%
ISSUE Attempts to collect debt n…
RANK #4,015
COMPOSE #4,910

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Cumulus Funding LLC's 2 CFPB complaints sit next to 1 Auto Finance, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

100.0% of Cumulus Funding LLC's CFPB filings land in Idaho

High volume does not equal a clean composite: Cumulus Funding LLC is volume #4,015 but composite #4,910, while Idaho dominates the geography. Corpus placement method.

Dominant state: Idaho 100.0%; 2 of 2 filings · 1 states touched
Seasonal peak: 2016-02 14.3%; 8–15% band · 1 filings
Divergent corpus ranks: #4,015 volume; #4,910 composite; Cleanest-composite ladder is 895 places worse than volume

How does Cumulus Funding LLC compare to its peers?

How does Cumulus Funding LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Cumulus Funding LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2024-05

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2

Where do complaints against Cumulus Funding LLC come from?

Cumulus Funding LLC's own per-state count, not a national baseline.

Idaho

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cumulus Funding LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2.

4 peers

Know your rights before responding to Cumulus Funding LLC: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.