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Data / Consumer complaints / Applied Data Finance, LLC

Applied Data Finance, LLC: 383 CFPB consumer complaints in the last 3 years

Applied Data Finance, LLC drew 383 consumer complaints in the CFPB database in the three years to November 6, 2026, and 598 since 2016. The largest group, 150, was about credit reporting or other personal consumer reports, and the most common issue was “Took or threatened to take negative or legal action” with 78. The company responded on time to 99.5% of the complaints, and 0.5% 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.

  • 383Complaints, last 3 years
  • 598Complaints, all years
  • 99.5%Responded on time
  • 0.5%Closed with relief
  • 5Products
  • Oct 18, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 6157
2025162
202455
202358
202244
202145
202034
201923
201811
20178
20161

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
Took or threatened to take negative or legal action7820.4%
Improper use of your report7018.3%
Incorrect information on your report5714.9%
Attempts to collect debt not owed4912.8%
Charged fees or interest you didn't expect318.1%
Problem with a company's investigation into an existing problem318.1%
Problem when making payments143.7%
Struggling to pay your loan143.7%
False statements or representation123.1%
Getting the loan82.1%
Written notification about debt41%
Communication tactics30.8%
Getting a credit card20.5%
Can't contact lender or servicer10.3%
Confusing or missing disclosures10.3%
Credit monitoring or identity theft protection services10.3%
Electronic communications10.3%
Getting a line of credit10.3%
Problem caused by your funds being low10.3%
Problem with additional add-on products or services10.3%
Received a loan you didn't apply for10.3%
Threatened to contact someone or share information improperly10.3%
Unable to get your credit report or credit score10.3%

How the company responded

Company responseComplaintsShare
Closed with explanation38199.5%
Closed with monetary relief10.3%
Closed with non-monetary relief10.3%

States

StateComplaintsShare
Florida6216.2%
Texas6015.7%
Arizona266.8%
North Carolina236%
Michigan215.5%
Ohio195%
California184.7%
Georgia164.2%
Tennessee164.2%
Minnesota133.4%
Mississippi112.9%
Oklahoma112.9%
South Carolina102.6%
Alabama92.3%
Indiana92.3%
Arkansas71.8%
Louisiana71.8%
Missouri61.6%
Washington61.6%
Kansas51.3%
Illinois41%
Maryland30.8%
Rhode Island30.8%
Wisconsin30.8%
Hawaii20.5%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 18, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 15, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 8, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 26, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 17, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 16, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 12, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 9, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 24, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 12, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
August 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 5, 2026Payday loan, title loan, personal loan, or advance loanGetting a line of creditClosed with explanationconsumerfinance.gov
August 5, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 5, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 3, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 2, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 1, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 22, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
July 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 16, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 15, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 13, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 5, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed 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.