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 2026-05-15

223
Total complaints
2
Last 12 months
90.1%
Timely response
34
States affected

The verdict

Credit Bureau of Napa County, Inc. ranks #854 of 3,848 financial companies by CFPB complaint volume, with 223 complaints on record. It answers 90.1% of complaints on time - below the 93% median for companies with 100+ complaints.

#854
of 3,848 companies by volume
90.1%
answered on time
Debt collection
most-complained product
34
states with complaints
Credit Bureau of Napa County, Inc. timely response rate 90.1%
Industry benchmark

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

Reading this profile

Complaints by Product

Debt collection - Other (i.e. phone, health club, etc.) 76
Debt collection - I do not know 65
Debt collection - Medical 40
Debt collection - Other debt 12
Debt collection - Medical debt 12
Debt collection - Credit card 4
Debt collection - Credit card debt 4
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 3
Consumer Loan - Installment loan 2
Credit card 2

Top Issues

1.Cont'd attempts collect debt not owed 92
2.Disclosure verification of debt 38
3.Communication tactics 29
4.Attempts to collect debt not owed 23
5.False statements or representation 14
6.Written notification about debt 9
7.Improper contact or sharing of info 6
8.Took or threatened to take negative or legal action 3
9.Billing disputes 2
10.Incorrect information on your report 2

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
2026 1

Complaints by State (Top 15)

New York 48
New Jersey 23
California 19
Florida 17
Pennsylvania 15
Massachusetts 8
Ohio 7
Virginia 7
Illinois 6
Oregon 6
Maryland 6
Washington 6
North Carolina 5
Colorado 5
Georgia 5

Company Responses

Closed with explanation 189
Closed 31
Closed with non-monetary relief 2
Untimely response 1

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.

90.1% of CFPB-forwarded complaints against Credit Bureau of Napa County, Inc. get a reply 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. In 29.4% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0.9% closed with the consumer receiving monetary or non-monetary relief.

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 (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 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.

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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.