Who is complaining aboutReceived a loan I didn't apply for?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
“Received a loan I didn't apply for” is an issue label the CFPB no longer offers on its complaint form. 613 complaints carry it, received between 8 Nov 2013 and 19 Apr 2017.
Most were filed under the product “Payday loan” (96.2%).
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Payday loan | 590 | 96.2% |
| Consumer Loan | 23 | 3.8% |
Which companies, with their size
Ordered by the number of complaints carrying this issue since 2011.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| CURO Intermediate Holdings | 53 | 8.6% | no public measure |
| ENOVA INTERNATIONAL, INC. | 51 | 8.3% | no public measure |
| CNG FINANCIAL CORPORATION | 43 | 7% | no public measure |
| COMMUNITY CHOICE FINANCIAL, INC. | 40 | 6.5% | no public measure |
| Populus Financial Group, Inc. (F/K/A Ace Cash Express) | 32 | 5.2% | no public measure |
| Big Picture Loans, LLC | 26 | 4.2% | no public measure |
| Ad Astra Recovery Services Inc | 23 | 3.8% | no public measure |
| Risecredit, LLC | 15 | 2.4% | no public measure |
| Paypal Holdings, Inc | 15 | 2.4% | no public measure |
| LDF Holdings, LLC | 14 | 2.3% | no public measure |
| MNE Services, Inc | 13 | 2.1% | no public measure |
| Advance America, Cash Advance Centers, Inc. | 13 | 2.1% | no public measure |
| Midwest Recovery Systems | 12 | 2% | no public measure |
| Mobiloans, LLC | 9 | 1.5% | no public measure |
| CHECK INTO CASH INC. | 9 | 1.5% | no public measure |
| WELLS FARGO & COMPANY | 9 | 1.5% | $1.92tn assets |
| GVA Holdings, LLC | 8 | 1.3% | no public measure |
| Ningo Lending LLC dba Spotloan | 8 | 1.3% | no public measure |
| Enhanced Acquisitions, LLC | 7 | 1.1% | no public measure |
| Concord Resolution Inc (Closed) | 6 | 1% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 6 | 1% | $2.65tn assets |
| ONEMAIN FINANCIAL HOLDINGS, LLC. | 6 | 1% | no public measure |
| CASH AMERICA INTERNATIONAL, INC. | 6 | 1% | no public measure |
| CASHCALL, INC. | 6 | 1% | no public measure |
| Regional Management Corporation | 6 | 1% | no public measure |
| All other companies, including those not listed by name | 177 | 28.9% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 2 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation514 · 83.8%
- Closed36 · 5.9%
- Closed with non-monetary relief31 · 5.1%
- Untimely response20 · 3.3%
- All other categories12 · 2%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 7% | 31.6% |
| Closed with monetary relief | 2% | 0.5% |
| Responses marked timely | 88.1% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Received a loan I didn't apply for” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau.
How many complaints carry this issue?
613, all received before 19 Apr 2017; the label is no longer offered.
Which products does it apply to?
“Payday loan” (96.2%), “Consumer Loan” (3.8%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.