CFPB Consumer Complaint Profile

Credit Bureau of the South, Inc.

Consumers have filed 110 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

110
Total complaints
28
Last 12 months
97.3%
Timely response
11
States affected

The verdict

110 CFPB complaints put Credit Bureau of the South, Inc. at #1274 out of 3,848 financial companies ranked by complaint volume. 97.3% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#1274
of 3,848 companies by volume
97.3%
answered on time
Debt collection
most-complained product
11
states with complaints
Credit Bureau of the South, Inc. timely response rate 97.3%
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 - I do not know 42
Debt collection - Other debt 18
Debt collection - Medical debt 18
Credit reporting or other personal consumer reports - Credit reporting 13
Debt collection - Medical 7
Debt collection - Rental debt 5
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 4
Debt collection - Other (i.e. phone, health club, etc.) 2
Debt collection - Payday loan debt 1

Top Issues

1.Attempts to collect debt not owed 26
2.Written notification about debt 21
3.Took or threatened to take negative or legal action 18
4.False statements or representation 10
5.Problem with a company's investigation into an existing problem 9
6.Communication tactics 8
7.Cont'd attempts collect debt not owed 7
8.Problem with a credit reporting company's investigation into an existing problem 3
9.Improper use of your report 3
10.Incorrect information on your report 2

Complaints by Year

Year Complaints
2014 4
2015 5
2016 2
2017 5
2018 7
2019 8
2020 16
2021 9
2022 5
2023 3
2024 13
2025 27
2026 6

Complaints by State (Top 15)

Louisiana 84
Texas 14
California 3
Florida 2
Georgia 1
Mississippi 1
Delaware 1
Illinois 1
New York 1
Colorado 1
South Carolina 1

Company Responses

Closed with explanation 108
Closed 2

What the CFPB Complaint Record Shows for Credit Bureau of the South, Inc.

Credit Bureau of the South, Inc. carries 110 complaints in the CFPB's database, 28 of them filed within the past 12 months. Consumers spanning 11 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Within the Bureau's 15-day response window, Credit Bureau of the South, Inc. answers 97.3% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 the South, Inc. have?

Credit Bureau of the South, Inc. has 110 total consumer complaints filed with the CFPB, with 28 filed in the last 12 months.

Does Credit Bureau of the South, Inc. respond to complaints on time?

Credit Bureau of the South, Inc. has a 97.3% 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 Credit Bureau of the South, Inc.?

Among all products tied to Credit Bureau of the South, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Credit Bureau of the South, Inc.?

The most common issue reported by consumers about Credit Bureau of the South, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Credit Bureau of the South, Inc.?

You can file a complaint against Credit Bureau of the South, 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 the South, Inc.?

Credit Bureau of the South, Inc. has drawn CFPB complaints from 11 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.