CFPB Consumer Complaint Profile

Consumer Credit Services, LLC

What 11 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Reviewed byPlaincredit Editorial, Consumer Credit Editorial Team · June 15, 2026

11
Total complaints: 8
Last 12 months: 27.3%
Timely response: 8
States affected

The verdict

Consumer Credit Services, LLC ranks #3594 of 3,848 financial companies by CFPB complaint volume, with 11 complaints on record. It answers 27.3% of complaints on time — below the 93% median for companies with 100+ complaints.

#3594
of 3,848 companies by volume: 27.3%
answered on time: Credit reporting or …
most-complained product: 8
states with complaints

Consumer Credit Services, LLC timely response rate 27.3%

Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Complaints by Product

Credit reporting or other personal consumer reports — Credit reporting 3

Credit card — General-purpose credit card or charge card 2

Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report 2

Credit reporting or other personal consumer reports — Other personal consumer report 1

Debt collection — I do not know 1

Mortgage — VA mortgage 1

Debt collection — Other debt 1

Top Issues

1.Incorrect information on your report 3

2.Identity theft protection or other monitoring services 2

3.Attempts to collect debt not owed 2

4.Other features, terms, or problems 2

5.Improper use of your report 1

6.Applying for a mortgage or refinancing an existing mortgage 1

Complaints by Year

Year	Complaints
2021	3
2025	7
2026	1

Complaints by State (Top 15)

Oregon 2

Florida 2

California 2

Texas 1

Ohio 1

Pennsylvania 1

Oklahoma 1

North Carolina 1

Company Responses

Untimely response 8

Closed with explanation 3

What the CFPB Complaint Record Shows for Consumer Credit Services, LLC

The CFPB Consumer Complaint Database has logged 11 complaints against Consumer Credit Services, LLC overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Consumer Credit Services, LLC's timely response rate stands at 27.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag — late or missing responses are one of the strongest predictors of CFPB supervisory interest. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Consumer Credit Services, LLC have?

Consumer Credit Services, LLC has 11 total consumer complaints filed with the CFPB, with 8 filed in the last 12 months.

Does Consumer Credit Services, LLC respond to complaints on time?

Consumer Credit Services, LLC has a 27.3% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.

What product generates the most complaints for Consumer Credit Services, LLC?

The most complained-about product for Consumer Credit Services, LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.

What is the most common complaint issue with Consumer Credit Services, LLC?

The most common issue reported by consumers about Consumer Credit Services, LLC is "Incorrect information on your report." All complaint issues are listed above with their counts.

How do I file a complaint against Consumer Credit Services, LLC?

You can file a complaint against Consumer Credit Services, 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 Consumer Credit Services, LLC?

Consumers in 8 states and territories have filed complaints about Consumer Credit Services, LLC with the CFPB.

Consumer Credit Guides

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology — how this data is sourced, computed, and verified.

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