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 2026-08-14
- 110
- Total complaints
- Mid-range
- 28
- Last 12 months
- 97.3%
- Timely response
- Below median
- 11
- States affected
The verdict
110 CFPB complaints put Credit Bureau of the South, Inc. at #1272 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 97.3%, the 42nd percentile for the 100+ complaint peer group.
- #1272
- of 3,843 companies by volume
- 97.3%
- on time (42nd pctile)
- Debt collection
- most-complained product
- 11
- 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 the South, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.3% Around the middle higher than 42% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 13 in 2024 to 27 in 2025 (2024 → 2025).
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 |
|---|---|
| 2014 | 4 |
| 2015 | 5 |
| 2016 | 2 |
| 2017 | 5 |
| 2018 | 7 |
| 2019 | 8 |
| 2020 | 16 |
| 2021 | 9 |
| 2022 | 5 |
| 2023 | 3 |
| 2024 | 13 |
| 2025 | 27 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
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. posts a 97.3% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 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, 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Bureau of the South, 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 (0% 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.