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Data / Consumer complaints / Opportunity Financial, LLC

Opportunity Financial, LLC: 1,765 CFPB consumer complaints in the last 3 years

Opportunity Financial, LLC drew 1,765 consumer complaints in the CFPB database in the three years to November 6, 2026, and 2,187 since 2014. The largest group, 746, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 483. The company responded on time to 100.0% of the complaints, and 0.6% 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.

  • 1,765Complaints, last 3 years
  • 2,187Complaints, all years
  • 100.0%Responded on time
  • 0.6%Closed with relief
  • 7Products
  • Nov 3, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 6632
2025710
2024394
2023178
202276
202140
202043
201954
201829
201718
20164
20156
20143

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
Incorrect information on your report48327.4%
Took or threatened to take negative or legal action20811.8%
Attempts to collect debt not owed17710%
Problem with a company's investigation into an existing problem17610%
Improper use of your report1649.3%
Charged fees or interest you didn't expect1589%
False statements or representation995.6%
Struggling to pay your loan864.9%
Written notification about debt774.4%
Problem with the payoff process at the end of the loan241.4%
Problem when making payments191.1%
Electronic communications120.7%
Communication tactics110.6%
Getting the loan110.6%
Received a loan you didn't apply for110.6%
Credit monitoring or identity theft protection services100.6%
Problem with additional add-on products or services100.6%
Loan payment wasn't credited to your account30.2%
Unexpected fees30.2%
Can't contact lender or servicer20.1%
Getting a credit card20.1%
Issues with repayment20.1%
Other features, terms, or problems20.1%
Problem with cash advance20.1%
Unable to get your credit report or credit score20.1%

How the company responded

Company responseComplaintsShare
Closed with explanation1,75499.4%
Closed with non-monetary relief100.6%
Closed with monetary relief10.1%

States

StateComplaintsShare
Florida29216.5%
Texas21112%
Virginia1216.9%
California1035.8%
Illinois945.3%
North Carolina874.9%
Michigan673.8%
Arizona633.6%
Ohio603.4%
South Carolina603.4%
Alabama543.1%
Tennessee492.8%
Indiana452.5%
New Jersey432.4%
Georgia392.2%
Pennsylvania311.8%
Washington301.7%
Missouri291.6%
Minnesota261.5%
Mississippi261.5%
Louisiana251.4%
Nevada251.4%
Arkansas241.4%
Kentucky201.1%
Oklahoma140.8%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
November 3, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 29, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 25, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 21, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed 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, 2026Debt collectionWritten notification about debtClosed 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 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 11, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 9, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with monetary reliefconsumerfinance.gov
October 8, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 5, 2026Payday loan, title loan, personal loan, or advance loanUnexpected feesClosed with explanationconsumerfinance.gov
October 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 4, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 30, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 28, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 26, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 18, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 18, 2026Credit reporting or other personal consumer reportsIncorrect information on 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.