Which Online Lenders Get the Most CFPB Complaints? 17 Lenders Compared (2026)

The Consumer Financial Protection Bureau publishes every complaint it forwards to a financial company, including the product, the issue the consumer selected, how the company responded, and whether it responded on time. It is the only public, like-for-like record of how lenders treat borrowers after the loan is funded, and lenders’ own review pages never mention it. We pulled it on October 7, 2026 for 17 of the lenders we review, using the same twelve-month window for each, October 1, 2025 through September 30, 2026, and the same window a year earlier for comparison. The tables below are the result; the method and its limits are at the end. For how to tell a legitimate lender from a fake one before you ever reach the complaint stage, see how to spot a loan scam and how to check a lender is licensed.

All complaints, by lender

The count is every complaint filed against the lender’s legal entity in the window, across all products. The entity matters: OneMain and SoFi have credit card, auto loan, and bank account businesses whose complaints land in the same bucket, and Enova’s count combines CashNetUSA and NetCredit. “Relief” is the share of complaints the company closed with monetary or non-monetary relief rather than an explanation alone.

Lender	Complaints	Prior year	Change	Answered late	Closed with relief
OneMain Financial	3,907	3,135	+25%	0	5.9%
SoFi	3,544	2,604	+36%	0	8.2%
Upgrade	1,878	1,245	+51%	2	0.6%
Upstart	1,515	936	+62%	0	0.9%
Possible Finance	1,493	643	+132%	41	0.9%
Enova (CashNetUSA and NetCredit)	1,314	1,065	+23%	0	0.0%
Avant	1,000	699	+43%	6	0.6%
OppLoans	830	606	+37%	0	0.7%
Oportun	711	441	+61%	3	1.1%
Mariner Finance	694	498	+39%	2	0.1%
Best Egg	359	338	+6%	3	23.4%
Prosper	341	309	+10%	0	4.7%
Personify Financial	207	110	+88%	0	0.0%
CreditNinja	146	67	+118%	0	3.4%
LendingPoint	145	142	+2%	3	39.3%
Integra Credit	143	72	+99%	1	0.0%
RISE	18	22	-18%	0	0.0%

Three lenders we review are not in the table. LendingClub, now Happen Bank, has no entry under either name in the database’s company index. Discover and LightStream are divisions of Discover Bank and Truist, whose complaint records are dominated by cards and deposit accounts and cannot be separated out. Rocket Loans has no company entry of its own.

Loan complaints only

The CFPB files a complaint under the product the consumer picked, and most complaints against lenders are filed under debt collection or credit reporting, not the loan. The loan-only column counts complaints filed under “payday loan, title loan, personal loan, or advance loan,” which is the closest the data gets to “problems with the loan itself.” The last column is the most common loan issue for that lender.

Lender	Loan complaints	Prior year	Share of all complaints	Most common loan issue
OneMain Financial	765	637	20%	Struggling to pay your loan (150)
Enova (CashNetUSA and NetCredit)	408	386	31%	Charged fees or interest you didn’t expect
Upgrade	281	168	15%	Charged fees or interest you didn’t expect
SoFi	263	180	7%	Problem when making payments
Upstart	257	198	17%	Incorrect information on your report (37)
OppLoans	188	153	23%	Charged fees or interest you didn’t expect (77)
Mariner Finance	139	116	20%	Charged fees or interest you didn’t expect
Possible Finance	110	66	7%	Incorrect information on your report (45)
Best Egg	102	98	28%	Charged fees or interest you didn’t expect (27)
Prosper	95	50	28%	Charged fees or interest you didn’t expect
CreditNinja	85	41	58%	Charged fees or interest you didn’t expect
Avant	60	54	6%	Charged fees or interest you didn’t expect (12)
Oportun	49	61	7%	Charged fees or interest you didn’t expect
LendingPoint	40	49	28%	Charged fees or interest you didn’t expect (9)
Integra Credit	37	26	26%	Charged fees or interest you didn’t expect (22)
Personify	36	34	17%	Charged fees or interest you didn’t expect (15)
RISE	8	3	44%	Charged fees or interest you didn’t expect (3)

“Charged fees or interest you didn’t expect” leads for 13 of the 17 lenders, which says less about any one company than about how high-APR loans are sold: the APR is disclosed, but the dollar cost over the full term is what surprises people. How installment loan interest actually works walks through that math before you sign.

What stands out

• Possible Finance’s record changed the most. Complaints rose 132% to 1,493, debt collection went from 206 to 778, and 41 complaints were answered late. Every other lender in the table answered all or all but a handful on time. For a lender whose loans top out at $600, that is more complaints than OppLoans or Avant, which lend thousands per loan.
• Debt collection is where growth is concentrated. Across the group, the collection category rose faster than the loan category at Upstart (600 from 219), Upgrade (665), Oportun (326), OneMain (1,031 from 518), and Possible (778 from 206). “Took or threatened to take negative or legal action” is the issue rising most quickly at several of them.
• Relief rates separate the lenders more than totals do. LendingPoint closed 39% of its complaints with relief and Best Egg 23%; Enova, Personify, Integra Credit, and RISE closed none with relief in the window, and OneMain, Upgrade, Upstart, Avant, OppLoans, Mariner, and Possible were all under 6%. “Closed with explanation” means the company replied without offering relief; it is not a finding either way, but a lender that resolves a quarter of its complaints with a refund or a correction is behaving differently from one that resolves none.
• The big totals are mostly scale. OneMain has more than 1,300 branches and a card and auto book; SoFi is a bank with checking accounts and credit cards, and only 7% of its complaints are about loans. Their loan-only counts, 765 and 263, are the fairer comparison, and SoFi’s 257 complaints closed with monetary relief is the largest number in the group.
• The small-dollar lenders grew most quickly from a small base. CreditNinja (+118%), Integra Credit (+99%), and Personify (+88%) all roughly doubled, and at all three the collection category now outnumbers the loan category.

How to read a complaint count

Four things keep a number like “1,493 complaints” from meaning what it seems to:

1. It is complaints, not customers. The CFPB does not publish how many loans each lender made, so a count cannot be turned into a complaint rate. A lender with ten times the borrowers should have more complaints.
2. The entity sets the scope. A parent company’s count includes every product it sells. Avant’s includes its credit card; OneMain’s includes auto loans; Enova’s includes two brands. We name the entity for every lender in the method section.
3. Bank-originated loans may be filed under the bank. RISE, OppLoans, Possible Finance, Best Egg, and others make some or all of their loans through a bank, and a complaint about one of those loans may be recorded against the bank instead. Those counts are floors.
4. The response field is the useful one. “Closed with explanation” means the company replied and offered nothing. “Closed with monetary relief” or “non-monetary relief” means something changed: a refund, a corrected tradeline, a waived fee. “Answered late” means the company missed the CFPB’s 15-day window. The last two columns of the first table are where lenders differ most.

The issue mix is the other half of the picture. A lender whose complaints are mostly “incorrect information on your report” has a credit-reporting problem that can follow you after the loan is paid; a lender whose complaints are mostly “threatened legal action” has a collections problem that starts the day you miss a payment. Each lender’s review on this site now carries its own breakdown under “What the CFPB complaint database shows.”

What to do with this before you borrow

• Read the loan-only issue for your lender. If it is “charged fees or interest you didn’t expect,” ask for the total of payments in dollars before you sign, not just the APR. How lenders decide your rate covers what drives that figure.
• If the lender’s collection complaints are rising, decide now what you will do if you cannot pay, and contact the lender before the missed payment, not after. What to do if you can’t make this month’s payment is the playbook.
• Keep your own records: the signed agreement, every payment confirmation, and the payoff letter. “Incorrect information on your report” and “problem with the payoff process” are the two loan complaints that a dated document settles most quickly.
• If a problem is not resolved directly, file with the CFPB. The company must respond, the response is visible to you, and the complaint joins the public record that this page is built from.
• If you are still deciding whom to borrow from, the installment loan reviews carry each lender’s complaint breakdown, and you can start a loan request and see what the lending networks you consent to offer, then look up whichever lender makes you an offer in the table above before you sign.

Method and limits

Figures come from the CFPB Consumer Complaint Database, queried through its public search API on October 7, 2026, for complaints received October 1, 2025 through September 30, 2026 and, for comparison, October 1, 2024 through September 30, 2025. The database updates daily, so a count re-run later will differ by a few. Companies were tied to their legal entity in the database’s company index: OneMain Finance Corporation; SoFi Technologies, Inc.; Upgrade, Inc.; Upstart Holdings, Inc. (including auto loans); Possible Financial Inc; Enova International, Inc. (CashNetUSA and NetCredit); Avant Holding Company, Inc. (including the Avant card); Opportunity Financial, LLC; Oportun Financial Corporation; Mariner Finance, LLC; Marlette Funding, LLC (Best Egg); Prosper Marketplace, Inc.; Applied Data Finance, LLC (Personify Financial); CreditNinja Lending, LLC; LendingPoint Holdings LLC; Deinde Online Services, LLC (Integra Credit); and Risecredit, LLC. “Loan complaints” are those filed under the product “Payday loan, title loan, personal loan, or advance loan.” Percentages are rounded. The CFPB does not verify the facts in a complaint, and a complaint is not a finding against the company; the Bureau’s own data notes explain what the database does and does not include. This page is general information, not legal or financial advice; the lender’s own disclosures and your state regulator are the authorities on any specific loan.