Credit bureau · complaint record
Sparrow Financial complaints
Filed under Sparrow Financial, Inc.
Consumers have filed 355 complaints about Sparrow Financial since 2024, 234 of them in the last 12 months (+98% 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.
Weak response record. How it works
- Complaints on record
- 355
- Last 12 months
- 234
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 11
- Rank
- #56 of 566
Since August 2024
+98% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 8, 2026
Most complained-about credit bureaus & report companies
Sparrow Financial complaints by month
The busiest month was August 2026 (25 complaints). Complaints in the last 12 months are up 98% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Sparrow Financial answered last 12 months
- Closed with explanation234100%
"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 trend0/15+98% vs last year
What Sparrow Financial complaints are about
Top Sparrow Financial problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 44
- Information belongs to someone else 38
- Account status incorrect 22
- Old information reappears or never goes away 2
- Personal information incorrect 1
- Information is missing that should be on the report 1
Where Sparrow Financial complaints come from
Most complaints: Texas (40), Florida (35), California (32), Georgia (32), New York (27).
Sparrow Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Open Dealer ExchangeCredit reporting | 58 | 276 | C |
| 2 | Cascade CISSCredit reporting | 60 | 264 | C |
| 3 | MIB GroupCredit reporting | 45 | 259 | D |
| 4 | Sparrow FinancialCredit reporting | 45 | 234 | D |
| 5 | Lobel FinancialCredit reporting | 45 | 231 | D |
| 6 | Contemporary InformationCredit reporting | 51 | 203 | C |
| 7 | Cig FinancialCredit reporting | 55 | 202 | C |
| 8 | PerpayCredit reporting | 45 | 200 | D |
Compare side by side: Sparrow Financial vs Open Dealer Exchange · Sparrow Financial vs Cascade CISS · Sparrow Financial vs MIB Group · Sparrow Financial vs Lobel Financial
What people say about Sparrow Financial
All experiencesNo experiences with Sparrow Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Sparrow Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 31, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 27, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 27, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 26, 2026 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Oct 25, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 23, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Explained |
| Oct 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 22, 2026 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about Sparrow Financial
How many complaints does Sparrow Financial have?
Sparrow Financial has 355 complaints on record since August 2024, including 234 in the last 12 months and 11 in the last 30 days. That makes it number 305 of every company by complaints this year.
Does Sparrow Financial respond to complaints?
Yes. Sparrow Financial 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 45/100 (grade D).
What do people complain about most with Sparrow Financial?
The most common problems are incorrect information on your report (109), took or threatened to take negative or legal action (25), problem with a company's investigation into an existing problem (29).
Is Sparrow Financial legit?
Sparrow Financial is a real company with a public complaint record: consumers have complained about it 355 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Sparrow Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Sparrow Financial going up or down?
Up. There were 234 complaints in the last 12 months against 118 in the 12 before (+98%). See every month.
How do I file a complaint against Sparrow Financial?
Complain to Sparrow Financial 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 Sparrow Financial complaints come from?
Most come from Texas (40), Florida (35), California (32). 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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