Total CFPB complaints
52
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 52 complaints
Social Finance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Social Finance, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
29 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 68.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Social Finance, Inc.?
Social Finance, Inc. has accumulated 52 total CFPB complaints across 18 states, with 0 filed in the most recent 12 months against 52 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", 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 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 18 states, led by California with 8 and Texas with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.4/100 places Social Finance, Inc. 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
0
0.0% of total history
Stable →
States active
18
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
68.4/100 composite
Response-quality profile
How Social Finance, 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) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Social Finance, Inc. compare to its peers?
Social Finance, Inc. 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)
2019-09 2022-07
Top Consumer Issues
Attempts to collect debt not owed29 (%)
Took or threatened to take negative or legal action5 (%)
Communication tactics4 (%)
Written notification about debt4 (%)
False statements or representation2 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 18 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
Where do complaints against Social Finance, Inc. come from?
The states where consumers have filed the most CFPB complaints against Social Finance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Social Finance, Inc.
Across 18 states with at least one filing
- California
California
8 complaints
- Texas
Texas
7 complaints
- Florida
Florida
5 complaints
- Pennsylvania
Pennsylvania
4 complaints
- Georgia
Georgia
4 complaints
- New York
New York
4 complaints
- Rhode Island
Rhode Island
4 complaints
- Virginia 3
Virginia
3 complaints
Frequently Asked Questions
What is the most common complaint against Social Finance, Inc.? ▼
The most common issue consumers report about Social Finance, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 52 complaints filed with the CFPB.
Are complaints against Social Finance, Inc. increasing or decreasing? ▼
Complaints against Social Finance, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Social Finance, Inc.'s reputation grade? ▼
Social Finance, Inc. has a reputation grade of B (score: 68.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Social Finance, Inc. respond to consumer complaints? ▼
Social Finance, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Social Finance, Inc. operate? ▼
Social Finance, Inc. has received CFPB complaints from consumers in 18 states, with the most complaints from California (8 complaints).
What can I do if Social Finance, 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 Social Finance, 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 |