CFPB Consumer Complaint Profile
Credit Bureau of San Luis Obispo & Santa Barbara Counties
14 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
- 14
- Total complaints
- Below average
- 0
- Last 12 months
- 85.7%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Credit Bureau of San Luis Obispo & Santa Barbara Counties has accumulated 14 complaints, placing it #3314 by volume. On-time replies land at 85.7%, the 13th percentile for the 100+ complaint peer group.
- #3314
- of 3,843 companies by volume
- 85.7%
- on time (13th pctile)
- Debt collection
- most-complained product
- 3
- 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 San Luis Obispo & Santa Barbara Counties vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
85.7% Among the lowest higher than 13% 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 | 1 |
| 2014 | 2 |
| 2015 | 5 |
| 2016 | 1 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Bureau of San Luis Obispo & Santa Barbara Counties
Credit Bureau of San Luis Obispo & Santa Barbara Counties carries 14 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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 San Luis Obispo & Santa Barbara Counties draw a 85.7% 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 20% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 San Luis Obispo & Santa Barbara Counties have?
14 complaints have been filed against Credit Bureau of San Luis Obispo & Santa Barbara Counties with the CFPB overall - 0 of them in the past year.
Does Credit Bureau of San Luis Obispo & Santa Barbara Counties respond to complaints on time?
CFPB complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties draw a 85.7% timely-response rate inside the expected window.
What product generates the most complaints for Credit Bureau of San Luis Obispo & Santa Barbara Counties?
Among all products tied to Credit Bureau of San Luis Obispo & Santa Barbara Counties, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Credit Bureau of San Luis Obispo & Santa Barbara Counties?
The most common issue reported by consumers about Credit Bureau of San Luis Obispo & Santa Barbara Counties is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Credit Bureau of San Luis Obispo & Santa Barbara Counties?
You can file a complaint against Credit Bureau of San Luis Obispo & Santa Barbara Counties 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 San Luis Obispo & Santa Barbara Counties?
Credit Bureau of San Luis Obispo & Santa Barbara Counties has drawn CFPB complaints from 3 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 San Luis Obispo & Santa Barbara Counties: 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 (20% 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.