Special situations

How do I file a CFPB complaint about a personal loan?

Short answer

File at consumerfinance.gov/complaint. The CFPB sends the complaint to the lender, requires a response within 15 days, tracks the resolution, and publishes anonymised complaint data. Most lenders take CFPB complaints seriously because they affect regulatory standing.

Context

The CFPB complaint process is one of the most effective tools for resolving lender disputes. Filing takes 10-15 minutes and requires the loan details, the issue, and the resolution you're seeking. The CFPB tracks lender response times publicly, which incentivises prompt resolution.

Common valid complaints: incorrect loan terms or balance, late-fee errors, payment posting errors, unauthorised inquiries on your credit, harassment by collectors, or refusal to provide payoff quotes. Frivolous complaints (just unhappy with the rate you agreed to) are dismissed quickly.

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

Glossary: CFPB

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