CFPB Consumer Complaint Profile
Consumer Portfolio Services, Inc.
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 3,408
- Total complaints
- Among the highest
- 945
- Last 12 months
- 99.6%
- Timely response
- Top decile
- 52
- States affected
The verdict
By CFPB complaint volume, Consumer Portfolio Services, Inc. is #142 out of 3,843 financial companies. On response speed it sits at the 74th percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Consumer Portfolio Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.6% Higher than most higher than 74% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 551 in 2024 to 899 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 4 |
| 2013 | 25 |
| 2014 | 53 |
| 2015 | 93 |
| 2016 | 81 |
| 2017 | 125 |
| 2018 | 141 |
| 2019 | 146 |
| 2020 | 181 |
| 2021 | 228 |
| 2022 | 254 |
| 2023 | 391 |
| 2024 | 551 |
| 2025 | 899 |
| 2026year in progress | 236 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Consumer Portfolio Services, Inc.
Consumer Portfolio Services, Inc. draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. 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 "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Consumer Portfolio Services, 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 complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (28.3% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Consumer Portfolio Services, Inc. have?
Consumer Portfolio Services, Inc. has 3,408 total consumer complaints filed with the CFPB, with 945 filed in the last 12 months.
Does Consumer Portfolio Services, Inc. respond to complaints on time?
Consumer Portfolio Services, Inc. has a 99.6% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Consumer Portfolio Services, Inc.?
Among all products tied to Consumer Portfolio Services, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Consumer Portfolio Services, Inc.?
Consumers most often cite "Improper use of your report" when complaining about Consumer Portfolio Services, Inc.; the full issue list with counts is above.
How do I file a complaint against Consumer Portfolio Services, Inc.?
You can file a complaint against Consumer Portfolio Services, 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 Consumer Portfolio Services, Inc.?
Consumers in 52 states and territories have filed complaints about Consumer Portfolio Services, Inc. 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.