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Data / Consumer complaints / SmartCredit LLC

SmartCredit LLC: 26 CFPB complaints, last 3 years

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

SmartCredit LLC drew 26 consumer complaints in the CFPB database in the three years to November 9, 2026, and 32 since 2016. The largest group, 18, was about credit reporting or other personal consumer reports, and the most common issue was “Credit monitoring or identity theft protection services” with 7. The company responded on time to 0.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch SmartCredit LLC: each new CFPB complaint by product and issue, with the date and the company response. $10 of credit on sign-up, no card.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in New York

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.

  • 26Complaints, last 3 years
  • 32Complaints, all years
  • 0.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Oct 16, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 913
20256
20247
20235
20161

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
Credit reporting or other personal consumer reports1869.2%
Debt or credit management519.2%
Credit card27.7%
Money transfer, virtual currency, or money service13.8%

Issues

IssueComplaintsShare
Credit monitoring or identity theft protection services726.9%
Incorrect information on your report623.1%
Unable to get your credit report or credit score415.4%
Charged upfront or unexpected fees27.7%
Confusing or missing disclosures27.7%
Confusing or misleading advertising or marketing13.8%
Didn't provide services promised13.8%
Improper use of your report13.8%
Problem with a company's investigation into an existing problem13.8%
Trouble using your card13.8%

How the company responded

Company responseComplaintsShare
Untimely response26100%

States

StateComplaintsShare
New York726.9%
Florida27.7%
North Carolina27.7%
South Carolina27.7%
Tennessee27.7%
Texas27.7%
Arizona13.8%
California13.8%
Georgia13.8%
Louisiana13.8%
Missouri13.8%
New Mexico13.8%
Ohio13.8%
Pennsylvania13.8%
Virginia13.8%

Latest 26 complaints

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

ReceivedProductIssueCompany responseSource
October 16, 2026Debt or credit managementDidn't provide services promisedUntimely responseconsumerfinance.gov
July 25, 2026Debt or credit managementCharged upfront or unexpected feesUntimely responseconsumerfinance.gov
July 16, 2026Credit reporting or other personal consumer reportsUnable to get your credit report or credit scoreUntimely responseconsumerfinance.gov
July 12, 2026Credit reporting or other personal consumer reportsUnable to get your credit report or credit scoreUntimely responseconsumerfinance.gov
July 8, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
May 21, 2026Debt or credit managementConfusing or missing disclosuresUntimely responseconsumerfinance.gov
May 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 22, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
March 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 13, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
February 12, 2026Credit cardUnable to get your credit report or credit scoreUntimely responseconsumerfinance.gov
January 24, 2026Debt or credit managementCharged upfront or unexpected feesUntimely responseconsumerfinance.gov
January 20, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
August 30, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
August 12, 2025Credit cardTrouble using your cardUntimely responseconsumerfinance.gov
July 30, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
June 3, 2025Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
April 8, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 25, 2025Money transfer, virtual currency, or money serviceConfusing or missing disclosuresUntimely responseconsumerfinance.gov
December 21, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
December 2, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
August 18, 2024Debt or credit managementConfusing or misleading advertising or marketingUntimely responseconsumerfinance.gov
August 7, 2024Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
August 7, 2024Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
August 7, 2024Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesUntimely responseconsumerfinance.gov
April 27, 2024Credit reporting or other personal consumer reportsUnable to get your credit report or credit scoreUntimely responseconsumerfinance.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.