CFPB Consumer Complaint Profile
CDS Debt Relief, LLC
Behind the 17 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 17
- Total complaints
- Below average
- 3
- Last 12 months
- 23.5%
- Timely response
- Bottom decile
- 13
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, CDS Debt Relief, LLC has accumulated 17 complaints, placing it #3073 by volume. Its on-time response rate is 23.5%, the 1st percentile among companies with 100+ complaints.
- #3073
- of 3,843 companies by volume
- 23.5%
- on time (1st pctile)
- Debt or credit manag…
- most-complained product
- 13
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
CDS Debt Relief, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
23.5% Among the lowest higher than 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 4 |
| 2023 | 6 |
| 2024 | 2 |
| 2025 | 4 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CDS Debt Relief, LLC
CDS Debt Relief, LLC carries 17 complaints in the CFPB's database, 3 of them filed within the past 12 months. Consumers spanning 13 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt or credit management" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Fraud or scam," a reasonable starting point for understanding recurring friction.
CDS Debt Relief, LLC's timely response rate stands at 23.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 29.4% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CDS Debt Relief, LLC have?
17 complaints have been filed against CDS Debt Relief, LLC with the CFPB overall - 3 of them in the past year.
Does CDS Debt Relief, LLC respond to complaints on time?
CDS Debt Relief, LLC has a 23.5% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for CDS Debt Relief, LLC?
Among all products tied to CDS Debt Relief, LLC, "Debt or credit management" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with CDS Debt Relief, LLC?
Consumers most often cite "Fraud or scam" when complaining about CDS Debt Relief, LLC; the full issue list with counts is above.
How do I file a complaint against CDS Debt Relief, LLC?
You can file a complaint against CDS Debt Relief, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CDS Debt Relief, LLC?
Consumers in 13 states and territories have filed complaints about CDS Debt Relief, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Debt or credit management
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.