Credit bureau · complaint record
Kovo complaints
Consumers have filed 1,181 complaints about Kovo since 2021, 635 of them in the last 12 months (+82% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 37th most complained-about of 566 credit bureaus & report companies this year.
Weak response record. How it works
- Complaints on record
- 1,181
- Last 12 months
- 635
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 33
- Rank
- #37 of 566
Since February 2021
+82% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 10, 2026
Most complained-about credit bureaus & report companies
Kovo complaints by month
The busiest month was March 2026 (79 complaints). Complaints in the last 12 months are up 82% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Kovo answered last 12 months
- Closed with explanation635100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend2/15+82% vs last year
What Kovo complaints are about
Top Kovo problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 202
- Information belongs to someone else 176
- Account information incorrect 158
- Information is missing that should be on the report 8
- Personal information incorrect 5
- Old information reappears or never goes away 3
Where Kovo complaints come from
Most complaints: Texas (155), Florida (129), Georgia (111), California (92), New York (66).
Kovo compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | OportunCredit reporting | 51 | 690 | C |
| 2 | Mariner FinanceCredit reporting | 52 | 663 | C |
| 3 | MicroBiltCredit reporting | 45 | 662 | D |
| 4 | State Employees' Credit UnionCredit reporting | 52 | 635 | C |
| 5 | KovoCredit reporting | 47 | 635 | D |
| 6 | Ipac'sCredit reporting | 0 | 617 | F |
| 7 | BMW Financial ServicesCredit reporting | 42 | 589 | D |
| 8 | First Technology Federal Credit UnionCredit reporting | 59 | 562 | C |
Compare side by side: Kovo vs Oportun · Kovo vs Mariner Finance · Kovo vs MicroBilt · Kovo vs State Employees' Credit Union
What people say about Kovo
All experiencesNo experiences with Kovo yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Kovo complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 10, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 9, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 9, 2026 | Debt relief & credit repair | Didn't provide services promised | Explained |
| Nov 7, 2026 | Payday & personal loans | Getting the loan | Explained |
| Nov 7, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about Kovo
How many complaints does Kovo have?
Kovo has 1,181 complaints on record since February 2021, including 635 in the last 12 months and 33 in the last 30 days. That makes it number 169 of every company by complaints this year.
Does Kovo respond to complaints?
Yes. Kovo answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 47/100 (grade D).
What do people complain about most with Kovo?
The most common problems are incorrect information on your report (553), improper use of your report (174), problem with a company's investigation into an existing problem (123).
Is Kovo legit?
Kovo is a real company with a public complaint record: consumers have complained about it 1,181 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Kovo legit? for the signals, red flags and how to protect yourself.
Are complaints about Kovo going up or down?
Up. There were 635 complaints in the last 12 months against 349 in the 12 before (+82%). See every month.
How do I file a complaint against Kovo?
Complain to Kovo in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Kovo complaints come from?
Most come from Texas (155), Florida (129), Georgia (111). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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