Total CFPB complaints
445
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 445 complaints
OPORTUN FINANCIAL CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about OPORTUN FINANCIAL CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
143 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
132 complaints
- Written notification about debt
Written notification about debt
63 complaints
- False statements or representation 37
False statements or representation
37 complaints
- Communication tactics 29
Communication tactics
29 complaints
- Electronic communications 4
Electronic communications
4 complaints
C
Grade C · 60.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about OPORTUN FINANCIAL CORPORATION?
OPORTUN FINANCIAL CORPORATION has accumulated 445 total CFPB complaints across 29 states, with 223 filed in the most recent 12 months against 222 historical complaints before that window. The trailing-12-month volume represents 50.1% 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 "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 7% 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 29 states, led by California with 166 and Texas with 71, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.1/100 places OPORTUN FINANCIAL CORPORATION in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
223
50.1% of total history
Rising ↑
States active
29
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
C
60.1/100 composite
Response-quality profile
How OPORTUN FINANCIAL CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 13.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does OPORTUN FINANCIAL CORPORATION compare to its peers?
OPORTUN FINANCIAL CORP… 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)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action132 (%)
Attempts to collect debt not owed143 (%)
Written notification about debt63 (%)
False statements or representation37 (%)
Communication tactics29 (%)
Electronic communications4 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 | Threatened or suggested your credit would be damaged | 132 |
| Attempts to collect debt not owed | Debt is not yours | 82 |
| Written notification about debt | Didn't receive enough information to verify debt | 52 |
| Attempts to collect debt not owed | Debt was result of identity theft | 46 |
| False statements or representation | Attempted to collect wrong amount | 37 |
| Communication tactics | Frequent or repeated calls | 23 |
| Attempts to collect debt not owed | Debt was paid | 15 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
| Electronic communications | Frequent or repeated messages | 4 |
Where do complaints against OPORTUN FINANCIAL CORPORATION come from?
The states where consumers have filed the most CFPB complaints against OPORTUN FINANCIAL CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against OPORTUN FINANCIAL CORPORATION
Across 29 states with at least one filing
- California
California
166 complaints
- Texas
Texas
71 complaints
- Florida 56
Florida
56 complaints
- Arizona 24
Arizona
24 complaints
- Illinois 21
Illinois
21 complaints
- New Jersey 17
New Jersey
17 complaints
- North Carolina 15
North Carolina
15 complaints
- Nevada 15
Nevada
15 complaints
Frequently Asked Questions
What is the most common complaint against OPORTUN FINANCIAL CORPORATION? ▼
The most common issue consumers report about OPORTUN FINANCIAL CORPORATION is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 445 complaints filed with the CFPB.
Are complaints against OPORTUN FINANCIAL CORPORATION increasing or decreasing? ▼
Complaints against OPORTUN FINANCIAL CORPORATION are rising. The company received 223 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is OPORTUN FINANCIAL CORPORATION's reputation grade? ▼
OPORTUN FINANCIAL CORPORATION has a reputation grade of C (score: 60.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does OPORTUN FINANCIAL CORPORATION respond to consumer complaints? ▼
OPORTUN FINANCIAL CORPORATION has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.
In how many states does OPORTUN FINANCIAL CORPORATION operate? ▼
OPORTUN FINANCIAL CORPORATION has received CFPB complaints from consumers in 29 states, with the most complaints from California (166 complaints).
What can I do if OPORTUN FINANCIAL CORPORATION 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 OPORTUN FINANCIAL CORPORATION 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 |