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

CFPB complaint data Grade F 24 complaints

Giggle Finance Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Complaints by issue type

What consumers report about Giggle Finance Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 28.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Giggle Finance Inc. ranks ahead of 0% of the 5,283 collectors PlainCollector grades - 100% keep a cleaner CFPB record, on 24 all-time complaints and a 9% timely-response rate.

0th pct
reputation rank of 5,283 graded collectors
24
CFPB complaints, all-time
9%
answered inside the CFPB window
19
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 Giggle Finance Inc.?

Giggle Finance Inc. has accumulated 24 total CFPB complaints across 14 states, with 19 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 79.2% 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 "Took or threatened to take negative or legal action", narrowing to "Seized or attempted to seize your property". The company posts a 9% timely-response rate.

Complaints have been recorded across 14 states, led by Arkansas with 5 and Texas with 3. Normalized against the full CFPB collector database, the reputation score of 28.3/100 places Giggle Finance Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

24

low-volume (CCDB)

Last 12 months

19

79.2% of all-time complaints

Rising ↑

States active

14

regional footprint

Timely response rate

9%

below sla band

Reputation grade

F

28.3/100 composite

How does Giggle Finance Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

28 Bottom 1% higher than 0% 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%). This entry sits in this band. 30–40: 160 graded collectors (3%). Above this entry. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 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

Giggle Finance Inc. versus the debt-collection vertical average.

Timely response within SLA 8.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 25.0%

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

How does Giggle Finance Inc. compare to its peers?

How does Giggle Finance Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Giggle Finance Inc. National average
Complaints (last 12 mo)lower is better
19
3
268
Timely-response ratehigher is better
9%
86%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 8
Attempts to collect debt not owed - 4
False statements or representation - 4
Communication tactics - 3
Threatened to contact someone or share information improperly - 2
Electronic communications - 2
Written notification about debt - 1

Where do complaints against Giggle Finance Inc. come from?

Giggle Finance Inc.'s own per-state count, not a national baseline.

Top states by complaints against Giggle Finance Inc.

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Giggle Finance Inc. contacts you

A grade of F signals how Giggle Finance Inc.'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 Giggle Finance Inc. 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 Giggle Finance Inc. 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 Giggle Finance Inc.? ▼

The most common issue consumers report about Giggle Finance Inc. is "Took or threatened to take negative or legal action", specifically "Seized or attempted to seize your property". This is based on 24 complaints filed with the CFPB.

Are complaints against Giggle Finance Inc. increasing or decreasing? ▼

Complaints against Giggle Finance Inc. are rising. The company received 19 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Giggle Finance Inc.'s reputation grade? ▼

Giggle Finance Inc. has a reputation grade of F (score: 28.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Giggle Finance Inc. respond to consumer complaints? ▼

Giggle Finance Inc. has a 9% timely response rate to CFPB complaints.

In how many states does Giggle Finance Inc. operate? ▼

Giggle Finance Inc. has received CFPB complaints from consumers in 14 states, with the most complaints from Arkansas (5 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.