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Data / Consumer complaints / Oportun Financial Corporation / Debt collection

Oportun Financial Corporation: 517 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Oportun Financial Corporation drew 517 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 33.7% of its 1,533 complaints in that time. The most common issue was “Took or threatened to take negative or legal action”. The company responded on time to 100.0% of them, and 4.3% closed with monetary or other relief.

The request: Watch Oportun Financial Corporation: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 517Complaints, last 3 years
  • 33.7%Share of the company's complaints
  • 100.0%Responded on time
  • 4.3%Closed with relief
  • Oct 19, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202631160.2%
12 months to Nov 6, 202512424%
12 months to Nov 6, 20248215.9%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action22844.1%
Attempts to collect debt not owed15630.2%
Written notification about debt6111.8%
False statements or representation458.7%
Communication tactics193.7%
Electronic communications40.8%
Threatened to contact someone or share information improperly40.8%

How the company responded

Company responseComplaintsShare
Closed with explanation49595.7%
Closed with non-monetary relief224.3%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California15329.6%
Texas10620.5%
Florida6813.2%
Arizona417.9%
New Jersey244.6%
Illinois193.7%
Nevada173.3%
North Carolina163.1%
Indiana81.5%
Georgia71.4%
Pennsylvania71.4%
South Carolina61.2%
Virginia51%
Alabama40.8%
Arkansas40.8%
Michigan30.6%
Missouri30.6%
Tennessee30.6%
Washington30.6%
Kentucky20.4%
Louisiana20.4%
North Dakota20.4%
Utah20.4%
Wisconsin20.4%
Colorado10.2%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 19, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 29, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

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.