CFPB Consumer Complaint Profile
Certified Bureau of the South, Inc
Consumers have filed 37 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 37
- Total complaints
- Mid-range
- 4
- Last 12 months
- 97.3%
- Timely response
- Below median
- 5
- States affected
The verdict
37 CFPB complaints put Certified Bureau of the South, Inc at #2112 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 97.3%, the 42nd percentile for the 100+ complaint peer group.
- #2112
- of 3,843 companies by volume
- 97.3%
- on time (42nd pctile)
- Debt collection
- most-complained product
- 5
- 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.
Certified Bureau of the South, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.3% Around the middle higher than 42% 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 |
|---|---|
| 2015 | 1 |
| 2016 | 2 |
| 2017 | 6 |
| 2018 | 2 |
| 2019 | 5 |
| 2020 | 1 |
| 2021 | 6 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 7 |
| 2025 | 3 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Certified Bureau of the South, Inc
Certified Bureau of the South, Inc carries 37 complaints in the CFPB's database, 4 of them filed within the past 12 months. Consumers spanning 5 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Certified Bureau of the South, Inc draw a 97.3% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 33.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 16.2% closed with some form of monetary or non-monetary relief to the consumer.
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 Certified Bureau of the South, Inc have?
Certified Bureau of the South, Inc has 37 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Certified Bureau of the South, Inc respond to complaints on time?
Certified Bureau of the South, Inc's CFPB timely-response rate is 97.3%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Certified Bureau of the South, Inc?
The most complained-about product for Certified Bureau of the South, Inc is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Certified Bureau of the South, Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Certified Bureau of the South, Inc - see all issues and counts above.
How do I file a complaint against Certified Bureau of the South, Inc?
You can file a complaint against Certified Bureau of the South, Inc 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 Certified Bureau of the South, Inc?
The CFPB has recorded complaints against Certified Bureau of the South, Inc from 5 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Certified Bureau of the South, Inc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Debt collection
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.