CFPB Consumer Complaint Profile
Credit Bureau of Napa County, Inc.
223 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
- 223
- Total complaints
- Above average
- 2
- Last 12 months
- 90.1%
- Timely response
- Bottom quartile
- 34
- States affected
The verdict
Credit Bureau of Napa County, Inc. ranks #853 of 3,843 financial companies by CFPB complaint volume, with 223 complaints on record. It posts a 90.1% on-time response rate, the 18th percentile among companies with 100+ complaints.
- #853
- of 3,843 companies by volume
- 90.1%
- on time (18th pctile)
- Debt collection
- most-complained product
- 34
- 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.
Credit Bureau of Napa County, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.1% Among the lowest higher than 18% 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 |
|---|---|
| 2013 | 19 |
| 2014 | 57 |
| 2015 | 52 |
| 2016 | 39 |
| 2017 | 14 |
| 2018 | 14 |
| 2019 | 8 |
| 2020 | 3 |
| 2021 | 2 |
| 2022 | 2 |
| 2023 | 8 |
| 2024 | 2 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Bureau of Napa County, Inc.
223 complaints against Credit Bureau of Napa County, Inc. appear in the CFPB record, including 2 from the trailing year. The 34 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," 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 "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Credit Bureau of Napa County, Inc. draw a 90.1% 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. Resolved cases drew a formal consumer-dispute rate of 29.4% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0.9%.
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 Credit Bureau of Napa County, Inc. have?
The CFPB has logged 223 complaints against Credit Bureau of Napa County, Inc. to date, of which 2 came in over the last 12 months.
Does Credit Bureau of Napa County, Inc. respond to complaints on time?
Credit Bureau of Napa County, Inc. has a 90.1% timely response rate to CFPB complaints.
What product generates the most complaints for Credit Bureau of Napa County, Inc.?
Among all products tied to Credit Bureau of Napa County, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Credit Bureau of Napa County, Inc.?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about Credit Bureau of Napa County, Inc.; the full issue list with counts is above.
How do I file a complaint against Credit Bureau of Napa County, Inc.?
You can file a complaint against Credit Bureau of Napa County, 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 Credit Bureau of Napa County, Inc.?
Credit Bureau of Napa County, Inc. has drawn CFPB complaints from 34 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Bureau of Napa County, 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 (29.4% 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.