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
Loan Science, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Loan Science, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Communication tactics
Communication tactics
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 71.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Loan Science, LLC?
Loan Science, LLC has accumulated 23 total CFPB complaints across 15 states, with 5 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 21.7% 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 is not yours", 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 against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by Illinois with 4 and Arizona with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.3/100 places Loan Science, LLC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
5
21.7% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.3/100 composite
Response-quality profile
How Loan Science, 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.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Loan Science, LLC compare to its peers?
Loan Science, LLC 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)
2015-09 2026-02
Top Consumer Issues
Attempts to collect debt not owed10 (%)
Written notification about debt3 (%)
False statements or representation3 (%)
Communication tactics4 (%)
Improper contact or sharing of info1 (%)
Cont'd attempts collect debt not owed1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 7 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Indicated shouldn't respond to lawsuit | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Loan Science, LLC come from?
The states where consumers have filed the most CFPB complaints against Loan Science, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Loan Science, LLC
Across 15 states with at least one filing
- Illinois
Illinois
4 complaints
- Arizona
Arizona
2 complaints
- Maryland
Maryland
2 complaints
- California
California
2 complaints
- New Jersey
New Jersey
2 complaints
- Georgia
Georgia
2 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against Loan Science, LLC? ▼
The most common issue consumers report about Loan Science, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 23 complaints filed with the CFPB.
Are complaints against Loan Science, LLC increasing or decreasing? ▼
Complaints against Loan Science, LLC are rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Loan Science, LLC's reputation grade? ▼
Loan Science, LLC has a reputation grade of B (score: 71.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Loan Science, LLC respond to consumer complaints? ▼
Loan Science, LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Loan Science, LLC operate? ▼
Loan Science, LLC has received CFPB complaints from consumers in 15 states, with the most complaints from Illinois (4 complaints).
What can I do if Loan Science, 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 Loan Science, 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 |