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Data / Consumer complaints / Fair Capital

Fair Capital: 38 CFPB consumer complaints in the last 3 years

Fair Capital drew 38 consumer complaints in the CFPB database in the three years to November 6, 2026, and 43 since 2019. The largest group, 32, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 15. The company responded on time to 100.0% of the complaints, and 0.0% 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.

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  • 38Complaints, last 3 years
  • 43Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 2Products
  • Sep 24, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 612
202517
20249
20232
20212
20191

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.

ProductComplaintsShare
Debt collection3284.2%
Credit reporting or other personal consumer reports615.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1539.5%
Took or threatened to take negative or legal action718.4%
Incorrect information on your report615.8%
Written notification about debt513.2%
False statements or representation410.5%
Communication tactics12.6%

How the company responded

Company responseComplaintsShare
Closed with explanation38100%

States

StateComplaintsShare
Texas1128.9%
California718.4%
Florida513.2%
New York37.9%
Alabama25.3%
Arizona12.6%
Delaware12.6%
Georgia12.6%
Michigan12.6%
Mississippi12.6%
North Carolina12.6%
Oklahoma12.6%
South Carolina12.6%

Latest 38 complaints

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

ReceivedProductIssueCompany responseSource
September 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 23, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 17, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 14, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 4, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 31, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 30, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 12, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 9, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 9, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 3, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 27, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 13, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 31, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 25, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 28, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 22, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 17, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 15, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 26, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 17, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 20, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 5, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 16, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 17, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 2, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 23, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 24, 2024Debt collectionAttempts to collect debt not owedClosed 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.