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

CFPB complaint data Grade C 555 complaints

Oportun Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade C.

Complaints by issue type

What consumers report about Oportun Financial Corporation

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record oportun-financial-corporation Oportun Financial Corporation

Grade C · 555 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action · vol #253 · compose #30

  • VOL 555
  • GRADE C
  • 12MO 306
  • STATES 35
  • TIMELY 99%
  • DISPUTE 7%
  • ISSUE Took or threatened to take…
  • RANK #253
  • COMPOSE #30

Volume peers

Nearest volume peer: Thaxton Investment Corporation (555 complaints)

Thaxton Investment CorporationThaxton Investment Corporati…555Oportun Financial Corporation (this)Oportun Financial Corporatio…555EdFinancial ServicesEdFinancial Services556Law Office of Michael J. Scott, PCLaw Office of Michael J. Sco…556Monarch Recovery Holdings, Inc.Monarch Recovery Holdings, I…556
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Oportun Financial Corporation's 555 CFPB complaints sit next to Thaxton Investment Corporation 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 →

How the 555 complaints break down

Every complaint issue type on record for Oportun Financial Corporation, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.6/100
Oportun Financial Corporation

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
555
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
7%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

36.0% of Oportun Financial Corporation's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 36.0%
200 of 555 filings · 35 states touched
Even monthly load
Peak under 8%
Highest month 2016-04 at 7.1% (2 filings)
Corpus ranks
#253 volume
#30 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Oportun Financial Corporation compare to its peers?

How does OPORTUN FINANCIAL CORPORATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
OPORTUN FINANCIAL CORPORATION National average
Complaints (last 12 mo)lower is better
306
195
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
7%
14%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Oportun Financial Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Oportun Financial Corporation vs. 9 similar-volume peers, by response speed and dispute rate Oportun Financial CorporationThaxton Investment CorporationMonarch Recovery Holdings, Inc.Law Office of Michael J. Scott, PCEdFinancial ServicesCarMax, Inc.COMMUNITY CHOICE FINANCIAL, INC.RS Clark and Associates, Inc.American Credit Acceptance, LLCAssociated Credit Services, Inc.
Source: CFPB Consumer Complaint Database

Oportun Financial Corporation's complaint volume in context

Oportun Financial Corporation vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

555 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Oportun Financial Corporation 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2015-12 2021-05

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
205
Attempts to collect debt not owed
174
Written notification about debt
74
False statements or representation
43
Communication tactics
42
Threatened to contact someone or share information improperly
5
Electronic communications
4
Cont'd attempts collect debt not owed
3
Improper contact or sharing of info
3
Taking/threatening an illegal action
2

Where do complaints against Oportun Financial Corporation come from?

Oportun Financial Corporation's own per-state count, not a national baseline.

Top states by complaints against Oportun Financial Corporation

Across 35 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Oportun Financial Corporation: 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: 555.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.87640449438202%.

4 peers

Know your rights before responding to Oportun Financial Corporation: 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.