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Data / Consumer complaints / CreditNinja Lending, LLC

CreditNinja Lending, LLC: 243 CFPB consumer complaints in the last 3 years

CreditNinja Lending, LLC drew 243 consumer complaints in the CFPB database in the three years to November 6, 2026, and 312 since 2018. The largest group, 140, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 66. The company responded on time to 98.8% of the complaints, and 3.7% 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.

  • 243Complaints, last 3 years
  • 312Complaints, all years
  • 98.8%Responded on time
  • 3.7%Closed with relief
  • 6Products
  • Nov 5, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 6112
2025100
202429
202325
202212
202119
20207
20196
20182

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
Charged fees or interest you didn't expect6627.2%
Attempts to collect debt not owed3012.3%
Improper use of your report197.8%
Struggling to pay your loan177%
Incorrect information on your report166.6%
Getting the loan145.8%
Took or threatened to take negative or legal action114.5%
Problem with the payoff process at the end of the loan104.1%
Problem when making payments62.5%
Problem with a company's investigation into an existing problem62.5%
Received a loan you didn't apply for62.5%
False statements or representation52.1%
Threatened to contact someone or share information improperly52.1%
Written notification about debt52.1%
Communication tactics41.6%
Can't contact lender or servicer31.2%
Can't stop withdrawals from your bank account31.2%
Loan payment wasn't credited to your account20.8%
Other transaction problem20.8%
Problem with additional add-on products or services20.8%
Was approved for a loan, but didn't receive the money20.8%
Credit monitoring or identity theft protection services10.4%
Electronic communications10.4%
Fees or interest10.4%
Getting a line of credit10.4%

How the company responded

Company responseComplaintsShare
Closed with explanation23496.3%
Closed with non-monetary relief62.5%
Closed with monetary relief31.2%

States

StateComplaintsShare
Texas7932.5%
Florida4016.5%
California2610.7%
South Carolina135.3%
Arizona114.5%
Indiana114.5%
Missouri114.5%
Minnesota62.5%
Wisconsin52.1%
Alabama41.6%
Kansas41.6%
Arkansas31.2%
Kentucky31.2%
Louisiana31.2%
Michigan31.2%
Oklahoma31.2%
Utah31.2%
Delaware20.8%
Nebraska20.8%
Ohio20.8%
Tennessee20.8%
Alaska10.4%
District of Columbia10.4%
Georgia10.4%
Illinois10.4%

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 5, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 29, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 19, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanImproper use of your reportClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 24, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 17, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 16, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
September 16, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 14, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
September 9, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with non-monetary reliefconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
August 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 7, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 1, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 31, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 25, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
July 23, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 21, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
July 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 13, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
July 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 6, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
July 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 29, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
June 29, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
June 29, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
June 26, 2026Payday loan, title loan, personal loan, or advance loanMoney was taken from your bank account on the wrong day or for the wrong amountClosed with monetary reliefconsumerfinance.gov
June 22, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 18, 2026Credit 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.