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Data / Consumer complaints / Challenge Financial Services

Challenge Financial Services: 51 CFPB consumer complaints in the last 3 years

Challenge Financial Services drew 51 consumer complaints in the CFPB database in the three years to November 6, 2026, and 100 since 2018. The largest group, 23, was about vehicle loan or lease, and the most common issue was “Repossession” with 11. The company responded on time to 78.4% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as CHALLENGE FINANCIAL SERVICES.

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.

  • 51Complaints, last 3 years
  • 100Complaints, all years
  • 78.4%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Oct 13, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 621
202522
20248
20239
20229
20217
20208
201911
20185

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
Repossession1121.6%
Attempts to collect debt not owed611.8%
Getting a loan or lease611.8%
Improper use of your report611.8%
Incorrect information on your report611.8%
Took or threatened to take negative or legal action611.8%
Managing the loan or lease35.9%
Problem with a company's investigation into an existing problem35.9%
Struggling to pay your loan23.9%
False statements or representation12%
Problems at the end of the loan or lease12%

How the company responded

Company responseComplaintsShare
Closed with explanation5098%
In progress12%

States

StateComplaintsShare
California3466.7%
Arizona815.7%
Texas47.8%
Nevada35.9%
Florida12%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 13, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 7, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
September 29, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 2, 2026Vehicle loan or leaseRepossessionClosed 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
June 4, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
June 1, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
June 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 25, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
May 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 21, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
April 13, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
April 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 19, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
December 30, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 27, 2025Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
December 9, 2025Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
December 9, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 3, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
November 6, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 4, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 3, 2025Vehicle loan or leaseStruggling to pay your loanClosed with explanationconsumerfinance.gov
November 3, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 17, 2025Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
October 11, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 9, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 16, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 26, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 22, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 9, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 9, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 21, 2025Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
April 12, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
April 8, 2025Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
February 19, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
February 13, 2025Vehicle loan or leaseStruggling to pay your loanClosed with explanationconsumerfinance.gov
November 16, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 11, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 10, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 29, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 4, 2024Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 3, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 26, 2024Credit reporting or other personal consumer reportsImproper use of 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.