CFPB Consumer Complaint Profile
Credible Labs Inc.
37 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 37
- Total complaints
- Mid-range
- 4
- Last 12 months
- 89.2%
- Timely response
- Bottom quartile
- 16
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Credible Labs Inc. sits at #2112, with 37 complaints logged. Its on-time response rate is 89.2%, the 17th percentile among companies with 100+ complaints.
- #2112
- of 3,843 companies by volume
- 89.2%
- on time (17th pctile)
- Payday loan, title l…
- most-complained product
- 16
- 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.
Credible Labs Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.2% Among the lowest higher than 17% 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 |
|---|---|
| 2018 | 1 |
| 2019 | 2 |
| 2020 | 2 |
| 2021 | 9 |
| 2022 | 5 |
| 2023 | 6 |
| 2024 | 7 |
| 2025 | 4 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credible Labs Inc.
37 complaints against Credible Labs Inc. appear in the CFPB record, including 4 from the trailing year. The 16 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Payday loan, title loan, or personal loan," 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.
CFPB-forwarded complaints against Credible Labs Inc. draw a 89.2% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, the consumer-relief closure rate is 21.6%.
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 Credible Labs Inc. have?
Credible Labs Inc. has 37 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Credible Labs Inc. respond to complaints on time?
Credible Labs Inc. has a 89.2% timely response rate to CFPB complaints.
What product generates the most complaints for Credible Labs Inc.?
The most complained-about product for Credible Labs Inc. is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Credible Labs Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Credible Labs Inc. - see all issues and counts above.
How do I file a complaint against Credible Labs Inc.?
You can file a complaint against Credible Labs 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 Credible Labs Inc.?
Credible Labs Inc. has drawn CFPB complaints from 16 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, or personal loan
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.