Companies missed the Consumer Financial Protection Bureau’s response deadline on 30,485 of the 7,023,152 complaints the bureau sent them between October 1, 2025 and September 30, 2026, or 0.4%. In 19,577 of those cases, the company had still not responded at all when the data was published.
Late responses were concentrated among a few companies. MOHELA, a federal student loan servicer, was late on 5,981 complaints, 65.2% of the 9,175 it received. Complaints listed under “Servicer under contract with Federal Student Aid” were late in all 5,234 cases. Together, those two account for 36.8% of all late responses.
The three national credit reporting companies received most of the complaints but almost never answered late: TransUnion had no late responses, Equifax had 2 and Experian had 37, out of more than 6 million complaints combined.
What a late response means
When the CFPB forwards a complaint, the company is expected to respond within 15 days and to close the complaint within 60 days in most cases. The database marks each complaint as timely or not. A late flag means the company missed the deadline; it does not mean the complaint was valid.
These are unverified complaints. The CFPB does not confirm the facts the consumer describes. Counts reflect how many people complained and how they filed, not how often a company does something wrong, and companies with more customers tend to get more complaints.
Late responses by product
| Product | Late responses | Complaints sent | Share late |
|---|---|---|---|
| Debt collection | 11,408 | 324,224 | 3.5% |
| Credit reporting or other personal consumer reports | 6,518 | 6,366,110 | 0.1% |
| Student loan | 6,411 | 20,011 | 32.0% |
| Mortgage | 1,257 | 33,480 | 3.8% |
| Credit card | 1,205 | 96,081 | 1.3% |
| Payday loan, title loan, personal loan, or advance loan | 1,031 | 18,642 | 5.5% |
| Money transfer, virtual currency, or money service | 805 | 39,514 | 2.0% |
| Checking or savings account | 603 | 88,899 | 0.7% |
| Vehicle loan or lease | 480 | 25,420 | 1.9% |
| Debt or credit management | 395 | 4,379 | 9.0% |
| Prepaid card | 372 | 6,392 | 5.8% |
Companies with the most late responses
The 50 companies with the most late responses in the period. The CSV lists all 2,045 companies with at least one late response.
| Company | Late responses | Complaints sent | Share late |
|---|---|---|---|
| MOHELA | 5,981 | 9,175 | 65.2% |
| Servicer under contract with Federal Student Aid | 5,234 | 5,234 | 100.0% |
| Rent Recovery Solutions | 1,023 | 1,023 | 100.0% |
| Shellpoint Partners, LLC | 676 | 4,397 | 15.4% |
| SYNCHRONY FINANCIAL | 658 | 16,770 | 3.9% |
| IPAC’S Inc. | 572 | 572 | 100.0% |
| Westcreek Financial | 448 | 588 | 76.2% |
| Professional Debt Mediation, Inc. | 435 | 442 | 98.4% |
| Conduent Incorporated | 306 | 418 | 73.2% |
| Imprint Payments, Inc. | 292 | 399 | 73.2% |
| Williams, Rush & Associates, LLC | 275 | 308 | 89.3% |
| LEXISNEXIS | 274 | 34,987 | 0.8% |
| Waypoint Resource Group, LLC | 263 | 1,058 | 24.9% |
| TClub Inc | 245 | 285 | 86.0% |
| Professional Recovery Management | 244 | 376 | 64.9% |
| Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates | 203 | 203 | 100.0% |
| FinCo Services Inc DBA Current | 201 | 1,135 | 17.7% |
| Solar Mosaic LLC | 199 | 398 | 50.0% |
| ProCollect, Inc. | 177 | 1,844 | 9.6% |
| Mobiloans, LLC | 176 | 176 | 100.0% |
| CCM Finance LLC | 167 | 255 | 65.5% |
| Marauder Corporation | 165 | 165 | 100.0% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 159 | 24,475 | 0.6% |
| Block, Inc. | 152 | 15,993 | 1.0% |
| SG and Associates | 151 | 198 | 76.3% |
| Credit Collections U.S.A., L.L.C. | 146 | 146 | 100.0% |
| The Phoenix Recovery Group | 142 | 169 | 84.0% |
| AMERICAN EXPRESS COMPANY | 134 | 11,810 | 1.1% |
| Bilt Technologies, Inc. | 132 | 643 | 20.5% |
| Southwest Recovery Services, Inc. | 128 | 257 | 49.8% |
| Klarna AB | 125 | 1,966 | 6.4% |
| Atlantic Recovery Solutions LLC | 124 | 143 | 86.7% |
| A & O Recovery Solutions, LLC | 121 | 121 | 100.0% |
| Snap US Holdings, LLC | 113 | 125 | 90.4% |
| Entrata Inc. | 108 | 115 | 93.9% |
| Tesla, Inc. | 100 | 194 | 51.5% |
| Capital Accounts, LLC | 99 | 99 | 100.0% |
| ROBINHOOD MARKETS INC. | 93 | 1,815 | 5.1% |
| Credit Card Acquisitions Group | 90 | 90 | 100.0% |
| Nelson Cruz & Associates LLC | 88 | 88 | 100.0% |
| Rosebud Economic Development Corporation | 87 | 292 | 29.8% |
| KLS Financial Services, Inc | 81 | 83 | 97.6% |
| Lendmark Financial Services | 81 | 668 | 12.1% |
| Essential Lending Inc | 80 | 125 | 64.0% |
| Receivables Management Partners, LLC | 80 | 172 | 46.5% |
| AUTOMOTIVE CREDIT CORPORATION | 79 | 101 | 78.2% |
| Consumer Financial Services Solutions, Inc. | 78 | 227 | 34.4% |
| CCS Financial Services, Inc. | 72 | 10,600 | 0.7% |
| Finance of America Mortgage LLC | 72 | 72 | 100.0% |
| Palmar, Inc. | 70 | 70 | 100.0% |
Complaints sent to companies with a received date from October 1, 2025 to September 30, 2026. Company names as they appear in the CFPB database.
Source
Consumer Financial Protection Bureau, Consumer Complaint Database, accessed through its public API on October 27, 2026 (data updated October 27, 2026). The data is published under a CC0 public domain dedication. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Companies That Answer CFPB Complaints Late," My Credit Guide, October 27, 2026, https://mycreditguide.org/data/late-company-complaint-responses/.