CFPB Consumer Complaint Profile
Credit Bureau Systems, Inc., Paducah, KY Branch
Behind the 313 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 313
- Total complaints
- Above average
- 91
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 26
- States affected
The verdict
313 CFPB complaints put Credit Bureau Systems, Inc., Paducah, KY Branch at #680 out of 3,843 financial companies ranked by complaint volume. It posts a 99.7% on-time response rate, the 76th percentile among companies with 100+ complaints.
- #680
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Debt collection
- most-complained product
- 26
- 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 Systems, Inc., Paducah, KY Branch vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% 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 26 in 2024 to 85 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 |
|---|---|
| 2013 | 1 |
| 2014 | 7 |
| 2015 | 12 |
| 2016 | 11 |
| 2017 | 15 |
| 2018 | 15 |
| 2019 | 17 |
| 2020 | 17 |
| 2021 | 22 |
| 2022 | 47 |
| 2023 | 20 |
| 2024 | 26 |
| 2025 | 85 |
| 2026year in progress | 18 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Bureau Systems, Inc., Paducah, KY Branch
313 complaints against Credit Bureau Systems, Inc., Paducah, KY Branch appear in the CFPB record, including 91 from the trailing year. The 26 states and territories represented put this footprint in multi-regional territory. "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 "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 Systems, Inc., Paducah, KY Branch posts a 99.7% 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 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 24.9% 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 Systems, Inc., Paducah, KY Branch have?
The CFPB has logged 313 complaints against Credit Bureau Systems, Inc., Paducah, KY Branch to date, of which 91 came in over the last 12 months.
Does Credit Bureau Systems, Inc., Paducah, KY Branch respond to complaints on time?
CFPB complaints against Credit Bureau Systems, Inc., Paducah, KY Branch draw a 99.7% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Credit Bureau Systems, Inc., Paducah, KY Branch?
The most complained-about product for Credit Bureau Systems, Inc., Paducah, KY Branch is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Credit Bureau Systems, Inc., Paducah, KY Branch?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Credit Bureau Systems, Inc., Paducah, KY Branch; the full issue list with counts is above.
How do I file a complaint against Credit Bureau Systems, Inc., Paducah, KY Branch?
You can file a complaint against Credit Bureau Systems, Inc., Paducah, KY Branch 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 Systems, Inc., Paducah, KY Branch?
The CFPB has recorded complaints against Credit Bureau Systems, Inc., Paducah, KY Branch from 26 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Bureau Systems, Inc., Paducah, KY Branch: 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.