# Scratch Financial, Inc.: 40 CFPB complaints, last 3 years

Updated November 10, 2026.

Scratch Financial, Inc. drew 40 consumer complaints in the CFPB database in the three years to November 9, 2026, and 65 since 2020. The largest group, 17, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 10. The company responded on time to 100.0% of the complaints, and 10.0% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

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.

- Complaints, last 3 years: 40
- Complaints, all years: 65
- Responded on time: 100.0%
- Closed with relief: 10.0%
- Products: 4
- Latest received: Nov 3, 2026

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 12 |
| 2025 | 22 |
| 2024 | 6 |
| 2023 | 8 |
| 2022 | 8 |
| 2021 | 4 |
| 2020 | 5 |

## 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 |
| --- | --- | --- |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 17 | 42.5% |
| [Payday loan, title loan, personal loan, or advance loan](https://specstream.ai/data/consumer-complaints/product/payday-loan-title-loan-personal-loan-or-advance-loan) | 14 | 35% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 7 | 17.5% |
| [Credit card](https://specstream.ai/data/consumer-complaints/product/credit-card) | 2 | 5% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Incorrect information on your report | 10 | 25% |
| Attempts to collect debt not owed | 6 | 15% |
| Charged fees or interest you didn't expect | 6 | 15% |
| Getting the loan | 5 | 12.5% |
| Problem with a company's investigation into an existing problem | 5 | 12.5% |
| Improper use of your report | 2 | 5% |
| Problem when making payments | 2 | 5% |
| Getting a credit card | 1 | 2.5% |
| Problem with a purchase shown on your statement | 1 | 2.5% |
| Problem with the payoff process at the end of the loan | 1 | 2.5% |
| Took or threatened to take negative or legal action | 1 | 2.5% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 36 | 90% |
| Closed with non-monetary relief | 4 | 10% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 8 | 20% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 7 | 17.5% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 5 | 12.5% |
| [Michigan](https://specstream.ai/data/consumer-complaints/state/michigan) | 2 | 5% |
| [New York](https://specstream.ai/data/consumer-complaints/state/new-york) | 2 | 5% |
| [Virginia](https://specstream.ai/data/consumer-complaints/state/virginia) | 2 | 5% |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 1 | 2.5% |
| [Massachusetts](https://specstream.ai/data/consumer-complaints/state/massachusetts) | 1 | 2.5% |
| [Maryland](https://specstream.ai/data/consumer-complaints/state/maryland) | 1 | 2.5% |
| [Montana](https://specstream.ai/data/consumer-complaints/state/montana) | 1 | 2.5% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 1 | 2.5% |
| [Nebraska](https://specstream.ai/data/consumer-complaints/state/nebraska) | 1 | 2.5% |
| [New Hampshire](https://specstream.ai/data/consumer-complaints/state/new-hampshire) | 1 | 2.5% |
| [New Jersey](https://specstream.ai/data/consumer-complaints/state/new-jersey) | 1 | 2.5% |
| [New Mexico](https://specstream.ai/data/consumer-complaints/state/new-mexico) | 1 | 2.5% |
| [Nevada](https://specstream.ai/data/consumer-complaints/state/nevada) | 1 | 2.5% |
| [Oklahoma](https://specstream.ai/data/consumer-complaints/state/oklahoma) | 1 | 2.5% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 1 | 2.5% |
| [Wisconsin](https://specstream.ai/data/consumer-complaints/state/wisconsin) | 1 | 2.5% |

## Latest 40 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| November 3, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/31782148) |
| October 16, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/30131881) |
| October 8, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29471412) |
| September 30, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/28674815) |
| August 30, 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](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/26059279) |
| June 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23625991) |
| April 6, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20970405) |
| March 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20776964) |
| March 5, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20005851) |
| March 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19908287) |
| January 29, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19109758) |
| January 20, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18862529) |
| December 12, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17977650) |
| December 2, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17930752) |
| November 25, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17488505) |
| November 19, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17360394) |
| November 17, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17875402) |
| November 14, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18535685) |
| November 6, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17076027) |
| September 1, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15651012) |
| August 28, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15590277) |
| August 25, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15506234) |
| August 25, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15494239) |
| July 31, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14999692) |
| July 29, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14950479) |
| July 12, 2025 | Credit card | Getting a credit card | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14611255) |
| July 10, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14574538) |
| July 8, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14534830) |
| June 27, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14341366) |
| June 3, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13855420) |
| April 30, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13261291) |
| February 12, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12064538) |
| February 5, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11948102) |
| January 15, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11555198) |
| November 19, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10837456) |
| September 13, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10111333) |
| August 25, 2024 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9920714) |
| August 18, 2024 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9839610) |
| July 25, 2024 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9643853) |
| February 5, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8287818) |

## Also on SpecStream

- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Payday loan, title loan, personal loan, or advance loan complaints](https://specstream.ai/data/consumer-complaints/product/payday-loan-title-loan-personal-loan-or-advance-loan)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Credit card complaints](https://specstream.ai/data/consumer-complaints/product/credit-card)
- [Consumer complaints in California](https://specstream.ai/data/consumer-complaints/state/california)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [Consumer complaints in Arizona](https://specstream.ai/data/consumer-complaints/state/arizona)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). 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](https://creativecommons.org/licenses/by/4.0/).