Data / Consumer complaints / Viva Finance Inc.
Viva Finance Inc.: 111 CFPB consumer complaints in the last 3 years
Viva Finance Inc. drew 111 consumer complaints in the CFPB database in the three years to November 6, 2026, and 120 since 2022. The largest group, 66, was about credit reporting or other personal consumer reports, and the most common issue was “Improper use of your report” with 33. The company responded on time to 99.1% of the complaints, and 0.0% closed with monetary or other relief.
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Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Georgia
- 111Complaints, last 3 years
- 120Complaints, all years
- 99.1%Responded on time
- 0.0%Closed with relief
- 6Products
- Oct 24, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 46 |
| 2025 | 52 |
| 2024 | 10 |
| 2023 | 9 |
| 2022 | 3 |
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 | 66 | 59.5% |
| Debt collection | 26 | 23.4% |
| Payday loan, title loan, personal loan, or advance loan | 16 | 14.4% |
| Credit card | 1 | 0.9% |
| Money transfer, virtual currency, or money service | 1 | 0.9% |
| Vehicle loan or lease | 1 | 0.9% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Improper use of your report | 33 | 29.7% |
| Incorrect information on your report | 33 | 29.7% |
| Attempts to collect debt not owed | 12 | 10.8% |
| Took or threatened to take negative or legal action | 7 | 6.3% |
| False statements or representation | 5 | 4.5% |
| Problem with a company's investigation into an existing problem | 5 | 4.5% |
| Charged fees or interest you didn't expect | 4 | 3.6% |
| Getting a line of credit | 2 | 1.8% |
| Issues with repayment | 2 | 1.8% |
| Problem when making payments | 2 | 1.8% |
| Getting a loan or lease | 1 | 0.9% |
| Other transaction problem | 1 | 0.9% |
| Struggling to pay your loan | 1 | 0.9% |
| Threatened to contact someone or share information improperly | 1 | 0.9% |
| Unable to get your credit report or credit score | 1 | 0.9% |
| Written notification about debt | 1 | 0.9% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 111 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| Georgia | 32 | 28.8% |
| Florida | 26 | 23.4% |
| Texas | 12 | 10.8% |
| Illinois | 8 | 7.2% |
| California | 6 | 5.4% |
| South Carolina | 4 | 3.6% |
| New Jersey | 3 | 2.7% |
| Nevada | 3 | 2.7% |
| Maryland | 2 | 1.8% |
| New York | 2 | 1.8% |
| Pennsylvania | 2 | 1.8% |
| Alabama | 1 | 0.9% |
| Colorado | 1 | 0.9% |
| Louisiana | 1 | 0.9% |
| Michigan | 1 | 0.9% |
| Minnesota | 1 | 0.9% |
| Missouri | 1 | 0.9% |
| North Carolina | 1 | 0.9% |
| Ohio | 1 | 0.9% |
| Oklahoma | 1 | 0.9% |
| Tennessee | 1 | 0.9% |
| Virginia | 1 | 0.9% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 24, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 1, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Issues with repayment | Closed with explanation | consumerfinance.gov |
| July 31, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 26, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| June 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 22, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| April 28, 2026 | Credit card | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 5, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 2, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| 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 |
| March 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 21, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| March 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Issues with repayment | Closed with explanation | consumerfinance.gov |
| March 4, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| March 4, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 17, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| February 13, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| February 13, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| February 12, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| February 5, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 4, 2026 | Credit reporting or other personal consumer reports | Unable to get your credit report or credit score | Closed with explanation | consumerfinance.gov |
| February 3, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 28, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| January 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| January 10, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 8, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| December 31, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| December 23, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| December 23, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| December 19, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
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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.