Data / Consumer complaints / Credit Acceptance Corporation

Credit Acceptance Corporation: 8,909 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against Credit Acceptance Corporation
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

Credit Acceptance Corporation drew 8,909 consumer complaints in the CFPB database in the three years to November 6, 2026, and 14,869 since 2012. The largest group, 3,837, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 2,240. The company responded on time to 99.8% of the complaints, and 5.8% closed with monetary or other relief. The CFPB records the company as CREDIT ACCEPTANCE CORPORATION.

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Watch this company's complaints Get every credit reporting or other personal consumer reports company Get credit reporting or other personal consumer reports in Michigan

8,909Complaints, last 3 years
14,869Complaints, all years
99.8%Responded on time
5.8%Closed with relief
9Products
Oct 26, 2026Latest received

Complaints by year

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

Year	Complaints
2026, to Nov 6	2,753
2025	3,598
2024	2,317
2023	1,907
2022	1,194
2021	1,011
2020	678
2019	357
2018	315
2017	260
2016	169
2015	136
2014	110
2013	57
2012	7

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.

Product	Complaints	Share
Credit reporting or other personal consumer reports	3,837	43.1%
Vehicle loan or lease	3,386	38%
Debt collection	1,581	17.7%
Payday loan, title loan, personal loan, or advance loan	37	0.4%
Debt or credit management	28	0.3%
Credit card	26	0.3%
Checking or savings account	7	0.1%
Money transfer, virtual currency, or money service	6	0.1%
Mortgage	1	0.1%

Issues

Issue	Complaints	Share
Incorrect information on your report	2,240	25.1%
Repossession	1,115	12.5%
Improper use of your report	1,107	12.4%
Managing the loan or lease	985	11.1%
Problem with a company's investigation into an existing problem	887	10%
Attempts to collect debt not owed	562	6.3%
Took or threatened to take negative or legal action	444	5%
Getting a loan or lease	382	4.3%
False statements or representation	298	3.3%
Struggling to pay your loan	226	2.5%
Problems at the end of the loan or lease	221	2.5%
Written notification about debt	178	2%
Communication tactics	73	0.8%
Credit monitoring or identity theft protection services	55	0.6%
Threatened to contact someone or share information improperly	16	0.2%
Problem with fraud alerts or security freezes	14	0.2%
Confusing or missing disclosures	12	0.1%
Problem when making payments	11	0.1%
Electronic communications	10	0.1%
Unable to get your credit report or credit score	9	0.1%
Charged upfront or unexpected fees	6	0.1%
Didn't provide services promised	6	0.1%
Problem with a company's investigation into an existing issue	5	0.1%
Charged fees or interest you didn't expect	4	0.1%
Confusing or misleading advertising or marketing	4	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	8,381	94.1%
Closed with monetary relief	470	5.3%
Closed with non-monetary relief	51	0.6%
In progress	7	0.1%

States

State	Complaints	Share
Michigan	956	10.7%
Texas	597	6.7%
Georgia	539	6.1%
New York	538	6%
Pennsylvania	481	5.4%
New Jersey	478	5.4%
Florida	468	5.3%
Ohio	401	4.5%
Illinois	396	4.4%
Alabama	374	4.2%
Mississippi	336	3.8%
Louisiana	324	3.6%
Tennessee	316	3.5%
Maryland	251	2.8%
North Carolina	241	2.7%
Indiana	239	2.7%
Virginia	229	2.6%
California	205	2.3%
South Carolina	196	2.2%
Missouri	171	1.9%
Arkansas	145	1.6%
Wisconsin	112	1.3%
Delaware	94	1.1%
Minnesota	90	1%
Arizona	69	0.8%

Latest 50 complaints

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

Received	Product	Issue	Company response	Source
October 26, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 25, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 24, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 24, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with non-monetary relief	consumerfinance.gov
October 24, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 24, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 24, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	In progress	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 22, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 21, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 21, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
October 21, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 21, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 21, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 21, 2026	Vehicle loan or lease	Struggling to pay your loan	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 20, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 20, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 20, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
October 20, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 20, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 20, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.gov
October 20, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with non-monetary relief	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with explanation	consumerfinance.gov
October 19, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.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.