Total CFPB complaints
194
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 194 complaints
Prosper Marketplace, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 34 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Prosper Marketplace, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
67 complaints
- Written notification about debt
Written notification about debt
29 complaints
- Communication tactics 23
Communication tactics
23 complaints
- False statements or representation 21
False statements or representation
21 complaints
- Took or threatened to take negative or legal action 19
Took or threatened to take negative or legal action
19 complaints
C
Grade C · 61.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Prosper Marketplace, Inc.?
Prosper Marketplace, Inc. has accumulated 194 total CFPB complaints across 34 states, with 47 filed in the most recent 12 months against 147 historical complaints before that window. The trailing-12-month volume represents 24.2% 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 100% timely-response rate against a 8% 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 34 states, led by Texas with 25 and California with 18, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.9/100 places Prosper Marketplace, Inc. 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
47
24.2% of total history
Rising ↑
States active
34
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
C
61.9/100 composite
Response-quality profile
How Prosper Marketplace, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 16.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 60.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Prosper Marketplace, Inc. compare to its peers?
Prosper Marketplace, I… 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
Attempts to collect debt not owed67 (%)
Written notification about debt29 (%)
False statements or representation21 (%)
Communication tactics23 (%)
Took or threatened to take negative or legal action19 (%)
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 | 27 |
| Written notification about debt | Didn't receive enough information to verify debt | 24 |
| Attempts to collect debt not owed | Debt was result of identity theft | 23 |
| False statements or representation | Attempted to collect wrong amount | 21 |
| Communication tactics | Frequent or repeated calls | 19 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 19 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
Where do complaints against Prosper Marketplace, Inc. come from?
The states where consumers have filed the most CFPB complaints against Prosper Marketplace, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Prosper Marketplace, Inc.
Across 34 states with at least one filing
- Texas
Texas
25 complaints
- California
California
18 complaints
- Florida
Florida
17 complaints
- Ohio
Ohio
13 complaints
- New York
New York
11 complaints
- Illinois
Illinois
10 complaints
- Virginia
Virginia
10 complaints
- Georgia 9
Georgia
9 complaints
Frequently Asked Questions
What is the most common complaint against Prosper Marketplace, Inc.? ▼
The most common issue consumers report about Prosper Marketplace, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 194 complaints filed with the CFPB.
Are complaints against Prosper Marketplace, Inc. increasing or decreasing? ▼
Complaints against Prosper Marketplace, Inc. are rising. The company received 47 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Prosper Marketplace, Inc.'s reputation grade? ▼
Prosper Marketplace, Inc. has a reputation grade of C (score: 61.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Prosper Marketplace, Inc. respond to consumer complaints? ▼
Prosper Marketplace, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.
In how many states does Prosper Marketplace, Inc. operate? ▼
Prosper Marketplace, Inc. has received CFPB complaints from consumers in 34 states, with the most complaints from Texas (25 complaints).
What can I do if Prosper Marketplace, 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 Prosper Marketplace, 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 |