Total CFPB complaints
23
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 23 complaints
Giggle Finance Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Giggle Finance Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
7 complaints
- False statements or representation
False statements or representation
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Communication tactics
Communication tactics
3 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
- Electronic communications 2
Electronic communications
2 complaints
F
Grade F · 28.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Giggle Finance Inc.?
Giggle Finance Inc. has accumulated 23 total CFPB complaints across 13 states, with 18 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 78.3% 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 "Took or threatened to take negative or legal action", narrowing to "Seized or attempted to seize your property", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 9% 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 13 states, led by Arkansas with 5 and Texas with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 28.3/100 places Giggle Finance Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
18
78.3% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
9%
Within CFPB SLA window
Reputation grade
F
28.3/100 composite
Response-quality profile
How Giggle Finance Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Giggle Finance Inc. compare to its peers?
Giggle Finance Inc. 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)
2022-03 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action7 (%)
False statements or representation4 (%)
Attempts to collect debt not owed4 (%)
Communication tactics3 (%)
Threatened to contact someone or share information improperly2 (%)
Electronic communications2 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Electronic communications | Frequent or repeated messages | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Giggle Finance Inc. come from?
The states where consumers have filed the most CFPB complaints against Giggle Finance Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Giggle Finance Inc.
Across 13 states with at least one filing
- Arkansas
Arkansas
5 complaints
- Texas
Texas
3 complaints
- Tennessee
Tennessee
2 complaints
- Michigan
Michigan
2 complaints
- Oregon
Oregon
2 complaints
- Indiana
Indiana
2 complaints
- Washington 1
Washington
1 complaints
- Louisiana 1
Louisiana
1 complaints
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 23 complaints filed with the CFPB.
Are complaints against Giggle Finance Inc. increasing or decreasing? ▼
Complaints against Giggle Finance Inc. are rising. The company received 18 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 13 states, with the most complaints from Arkansas (5 complaints).
What can I do if Giggle Finance Inc. 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 Giggle Finance Inc. 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 |