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Data / Consumer complaints / American First Finance, Inc.

American First Finance, Inc.: 642 CFPB consumer complaints in the last 3 years

American First Finance, Inc. drew 642 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,429 since 2015. The largest group, 252, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 158. The company responded on time to 100.0% of the complaints, and 38.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 642Complaints, last 3 years
  • 1,429Complaints, all years
  • 100.0%Responded on time
  • 38.0%Closed with relief
  • 7Products
  • Nov 5, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6160
2025223
2024235
2023240
2022178
2021162
202093
201973
201836
201717
20168
20154

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report15824.6%
Attempts to collect debt not owed9615%
Charged fees or interest you didn't expect7311.4%
Took or threatened to take negative or legal action568.7%
Improper use of your report558.6%
Problem with a company's investigation into an existing problem507.8%
False statements or representation264%
Problem when making payments203.1%
Written notification about debt193%
Problem with the payoff process at the end of the loan172.6%
Getting the loan81.2%
Communication tactics60.9%
Getting a credit card60.9%
Problem with additional add-on products or services60.9%
Struggling to pay your loan50.8%
Credit monitoring or identity theft protection services40.6%
Electronic communications40.6%
Fees or interest40.6%
Getting a line of credit30.5%
Problem with a lender or other company charging your account30.5%
Problem with a purchase shown on your statement30.5%
Advertising and marketing, including promotional offers20.3%
Charged upfront or unexpected fees20.3%
Managing the loan or lease20.3%
Other features, terms, or problems20.3%

How the company responded

Company responseComplaintsShare
Closed with explanation39862%
Closed with non-monetary relief19029.6%
Closed with monetary relief548.4%

States

StateComplaintsShare
Texas9214.3%
Pennsylvania6710.4%
Florida609.3%
Georgia558.6%
South Carolina365.6%
Arizona345.3%
California335.1%
Illinois243.7%
Nevada223.4%
New York213.3%
Virginia213.3%
North Carolina203.1%
Michigan172.6%
Wisconsin152.3%
Ohio132%
Alabama111.7%
Missouri101.6%
Washington101.6%
Louisiana91.4%
Arkansas81.2%
Maryland81.2%
Tennessee81.2%
Indiana71.1%
New Jersey71.1%
Oklahoma71.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 5, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 13, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 8, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 3, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanProblem with fraud alerts or security freezesClosed with monetary reliefconsumerfinance.gov
September 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with monetary reliefconsumerfinance.gov
September 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 21, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with monetary reliefconsumerfinance.gov
September 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with monetary reliefconsumerfinance.gov
September 16, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 15, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with monetary reliefconsumerfinance.gov
September 13, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 10, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with monetary reliefconsumerfinance.gov
August 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 27, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 25, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 22, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with monetary reliefconsumerfinance.gov
August 22, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 14, 2026Credit cardAdvertising and marketing, including promotional offersClosed with monetary reliefconsumerfinance.gov
August 10, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 5, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with monetary reliefconsumerfinance.gov
August 4, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
July 27, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
July 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 20, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
July 17, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 14, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 10, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 10, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
July 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 2, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
June 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.