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Data / Consumer complaints / TomoCredit Inc.

TomoCredit Inc.: 387 CFPB consumer complaints in the last 3 years

TomoCredit Inc. drew 387 consumer complaints in the CFPB database in the three years to November 6, 2026, and 387 since 2024. The largest group, 148, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 45. The company responded on time to 87.1% of the complaints, and 0.3% 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.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in California
  • 387Complaints, last 3 years
  • 387Complaints, all years
  • 87.1%Responded on time
  • 0.3%Closed with relief
  • 9Products
  • Nov 3, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 673
2025135
2024179

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 reports14838.2%
Credit card12131.3%
Debt or credit management7519.4%
Payday loan, title loan, personal loan, or advance loan153.9%
Checking or savings account92.3%
Debt collection92.3%
Money transfer, virtual currency, or money service61.6%
Prepaid card30.8%
Mortgage10.3%

Issues

IssueComplaintsShare
Incorrect information on your report4511.6%
Credit monitoring or identity theft protection services4311.1%
Closing your account4010.3%
Problem with a company's investigation into an existing problem379.6%
Didn't provide services promised297.5%
Advertising and marketing, including promotional offers235.9%
Other features, terms, or problems215.4%
Problem with a purchase shown on your statement205.2%
Problem with customer service205.2%
Improper use of your report143.6%
Charged upfront or unexpected fees123.1%
Confusing or misleading advertising or marketing112.8%
Getting a credit card102.6%
Problem with a lender or other company charging your account82.1%
Unable to get your credit report or credit score71.8%
Getting a line of credit51.3%
Identity theft protection or other monitoring services41%
Problem with additional add-on products or services41%
Unauthorized transactions or other transaction problem41%
Charged fees or interest you didn't expect30.8%
Electronic communications30.8%
False statements or representation30.8%
Problem with fraud alerts or security freezes30.8%
Fraud or scam20.5%
Trouble using your card20.5%

How the company responded

Company responseComplaintsShare
Closed with explanation38699.7%
Closed with monetary relief10.3%

States

StateComplaintsShare
California4812.4%
Florida4110.6%
Georgia266.7%
Pennsylvania256.5%
Illinois246.2%
Texas246.2%
New York235.9%
Maryland153.9%
Michigan133.4%
North Carolina133.4%
Louisiana123.1%
Arizona112.8%
Ohio112.8%
New Jersey92.3%
Nevada92.3%
Mississippi82.1%
Massachusetts61.6%
Wisconsin61.6%
Oregon51.3%
Alabama41%
Indiana41%
Minnesota41%
South Carolina41%
Tennessee41%
Virginia41%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
November 3, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
October 29, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed 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, 2026Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
October 15, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
October 15, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 12, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
October 6, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 5, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
September 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 27, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 26, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
September 25, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 25, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
September 23, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
September 15, 2026Credit reporting or other personal consumer reportsProblem with fraud alerts or security freezesClosed with explanationconsumerfinance.gov
September 1, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
August 31, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
August 30, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
August 28, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
August 26, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
August 24, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
August 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 6, 2026Credit reporting or other personal consumer reportsIdentity theft protection or other monitoring servicesClosed with explanationconsumerfinance.gov
August 5, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
August 5, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
July 8, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
July 7, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
June 30, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
June 9, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 2, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
May 31, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
May 12, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
May 7, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
April 30, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
April 30, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 22, 2026Credit reporting or other personal consumer reportsUnable to get your credit report or credit scoreClosed with explanationconsumerfinance.gov
April 21, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
April 17, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
April 17, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
April 14, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
April 12, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
April 10, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
April 7, 2026Money transfer, virtual currency, or money serviceUnauthorized transactions or other transaction problemClosed with explanationconsumerfinance.gov
April 1, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
March 27, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
March 27, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
March 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 17, 2026Checking or savings accountManaging an accountClosed 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.