Credit bureau · complaint record
Oportun complaints
Filed under OPORTUN FINANCIAL CORPORATION
Consumers have filed 2,264 complaints about Oportun since 2014, 690 of them in the last 12 months (+42% on the year before). It answered 99.9% on time and closed 2% 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 34th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 2,264
- Last 12 months
- 690
- Answered on time
- 99.9%
- Closed with relief
- 2%
- Last 30 days
- 21
- Rank
- #34 of 566
Since December 2014
+42% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 5, 2026
Most complained-about credit bureaus & report companies
Oportun complaints by month
The busiest month was December 2025 (87 complaints). Complaints in the last 12 months are up 42% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Oportun answered last 12 months
- Closed with monetary relief71%
- Closed with non-monetary relief40.6%
- Closed with explanation67898.3%
- In progress10.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time44/4599.9% on time
- Relief for customers1/401.6% closed with relief
- Complaint trend6/15+42% vs last year
What Oportun complaints are about
Top Oportun problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 201
- Account information incorrect 184
- Information belongs to someone else 175
- Old information reappears or never goes away 10
- Personal information incorrect 7
- Information is missing that should be on the report 7
Where Oportun complaints come from
Most complaints: California (671), Florida (372), Texas (354), Illinois (124), New Jersey (108).
Oportun compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Pinnacle Financial PartnersCredit reporting | 63 | 767 | C |
| 2 | Mercedes-Benz Financial ServicesCredit reporting | 54 | 751 | C |
| 3 | Ford CreditCredit reporting | 57 | 729 | C |
| 4 | OportunCredit reporting | 51 | 690 | C |
| 5 | Mariner FinanceCredit reporting | 52 | 663 | C |
| 6 | MicroBiltCredit reporting | 45 | 662 | D |
| 7 | KovoCredit reporting | 47 | 635 | D |
| 8 | State Employees' Credit UnionCredit reporting | 52 | 635 | C |
Compare side by side: Oportun vs Pinnacle Financial Partners · Oportun vs Mercedes-Benz Financial Services · Oportun vs Ford Credit · Oportun vs Mariner Finance
What people say about Oportun
All experiencesNo experiences with Oportun yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Oportun complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 4, 2026 | Payday & personal loans | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 27, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 26, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 25, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 25, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 25, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 23, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 20, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
Questions about Oportun
How many complaints does Oportun have?
Oportun has 2,264 complaints on record since December 2014, including 690 in the last 12 months and 21 in the last 30 days. That makes it number 159 of every company by complaints this year.
Does Oportun respond to complaints?
Yes. Oportun answered 99.9% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix; 1% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 51/100 (grade C).
What do people complain about most with Oportun?
The most common problems are incorrect information on your report (593), took or threatened to take negative or legal action (239), attempts to collect debt not owed (200).
Is Oportun legit?
Oportun is a real company with a public complaint record: consumers have complained about it 2,264 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Oportun legit? for the signals, red flags and how to protect yourself.
Are complaints about Oportun going up or down?
Up. There were 690 complaints in the last 12 months against 485 in the 12 before (+42%). See every month.
How do I file a complaint against Oportun?
Complain to Oportun 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 Oportun complaints come from?
Most come from California (671), Florida (372), Texas (354). 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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