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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 112 |
| 2025 | 100 |
| 2024 | 29 |
| 2023 | 25 |
| 2022 | 12 |
| 2021 | 19 |
| 2020 | 7 |
| 2019 | 6 |
| 2018 | 2 |
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 |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 140 | 57.6% |
| Debt collection | 61 | 25.1% |
| Credit reporting or other personal consumer reports | 37 | 15.2% |
| Credit card | 2 | 0.8% |
| Money transfer, virtual currency, or money service | 2 | 0.8% |
| Debt or credit management | 1 | 0.4% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 66 | 27.2% |
| Attempts to collect debt not owed | 30 | 12.3% |
| Improper use of your report | 19 | 7.8% |
| Struggling to pay your loan | 17 | 7% |
| Incorrect information on your report | 16 | 6.6% |
| Getting the loan | 14 | 5.8% |
| Took or threatened to take negative or legal action | 11 | 4.5% |
| Problem with the payoff process at the end of the loan | 10 | 4.1% |
| Problem when making payments | 6 | 2.5% |
| Problem with a company's investigation into an existing problem | 6 | 2.5% |
| Received a loan you didn't apply for | 6 | 2.5% |
| False statements or representation | 5 | 2.1% |
| Threatened to contact someone or share information improperly | 5 | 2.1% |
| Written notification about debt | 5 | 2.1% |
| Communication tactics | 4 | 1.6% |
| Can't contact lender or servicer | 3 | 1.2% |
| Can't stop withdrawals from your bank account | 3 | 1.2% |
| Loan payment wasn't credited to your account | 2 | 0.8% |
| Other transaction problem | 2 | 0.8% |
| Problem with additional add-on products or services | 2 | 0.8% |
| Was approved for a loan, but didn't receive the money | 2 | 0.8% |
| Credit monitoring or identity theft protection services | 1 | 0.4% |
| Electronic communications | 1 | 0.4% |
| Fees or interest | 1 | 0.4% |
| Getting a line of credit | 1 | 0.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 234 | 96.3% |
| Closed with non-monetary relief | 6 | 2.5% |
| Closed with monetary relief | 3 | 1.2% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 79 | 32.5% |
| Florida | 40 | 16.5% |
| California | 26 | 10.7% |
| South Carolina | 13 | 5.3% |
| Arizona | 11 | 4.5% |
| Indiana | 11 | 4.5% |
| Missouri | 11 | 4.5% |
| Minnesota | 6 | 2.5% |
| Wisconsin | 5 | 2.1% |
| Alabama | 4 | 1.6% |
| Kansas | 4 | 1.6% |
| Arkansas | 3 | 1.2% |
| Kentucky | 3 | 1.2% |
| Louisiana | 3 | 1.2% |
| Michigan | 3 | 1.2% |
| Oklahoma | 3 | 1.2% |
| Utah | 3 | 1.2% |
| Delaware | 2 | 0.8% |
| Nebraska | 2 | 0.8% |
| Ohio | 2 | 0.8% |
| Tennessee | 2 | 0.8% |
| Alaska | 1 | 0.4% |
| District of Columbia | 1 | 0.4% |
| Georgia | 1 | 0.4% |
| Illinois | 1 | 0.4% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| November 5, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| November 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with non-monetary relief | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| August 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 12, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| August 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| July 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| July 12, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| July 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| July 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| June 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Money was taken from your bank account on the wrong day or for the wrong amount | Closed with monetary relief | consumerfinance.gov |
| June 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 20, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| June 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 18, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Credit card complaints
- Consumer complaints in Texas
- Consumer complaints in Florida
- Consumer complaints in California
- All consumer complaints
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.