Total CFPB complaints
12
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 12 complaints
Opportunity Fund — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Opportunity Fund
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
C
Grade C · 61.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Opportunity Fund?
Opportunity Fund has accumulated 12 total CFPB complaints across 7 states, with 7 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 58.3% 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 "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 92% 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 7 states, led by Illinois with 3 and Michigan 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 61.8/100 places Opportunity Fund 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
7
58.3% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Reputation grade
C
61.8/100 composite
Response-quality profile
How Opportunity Fund performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Opportunity Fund compare to its peers?
Opportunity Fund 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)
2023-12 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action6 (%)
Attempts to collect debt not owed4 (%)
Threatened to contact someone or share information improperly1 (%)
Electronic communications1 (%)
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 | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Opportunity Fund come from?
The states where consumers have filed the most CFPB complaints against Opportunity Fund. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Opportunity Fund
Across 7 states with at least one filing
- Illinois
Illinois
3 complaints
- Michigan
Michigan
3 complaints
- California
California
2 complaints
- Florida 1
Florida
1 complaints
- Ohio 1
Ohio
1 complaints
- Georgia 1
Georgia
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Opportunity Fund? ▼
The most common issue consumers report about Opportunity Fund is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 12 complaints filed with the CFPB.
Are complaints against Opportunity Fund increasing or decreasing? ▼
Complaints against Opportunity Fund are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Opportunity Fund's reputation grade? ▼
Opportunity Fund has a reputation grade of C (score: 61.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Opportunity Fund respond to consumer complaints? ▼
Opportunity Fund has a 92% timely response rate to CFPB complaints.
In how many states does Opportunity Fund operate? ▼
Opportunity Fund has received CFPB complaints from consumers in 7 states, with the most complaints from Illinois (3 complaints).
What can I do if Opportunity Fund 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 Opportunity Fund 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 |