CFPB Consumer Complaint Profile

Credit Center, LLC

Behind the 89 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

89
Total complaints
13
Last 12 months
94.4%
Timely response
15
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Credit Center, LLC sits at #1401, with 89 complaints logged. Its on-time response rate is 94.4%, ahead of the 93% median among companies with 100+ complaints.

#1401
of 3,848 companies by volume
94.4%
answered on time
Debt collection
most-complained product
15
states with complaints
Credit Center, LLC timely response rate 94.4%
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 - Medical debt 44
Debt collection - I do not know 15
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 13
Debt collection - Medical 8
Debt collection - Other debt 3
Credit reporting or other personal consumer reports - Credit reporting 3
Debt collection - Other (i.e. phone, health club, etc.) 2
Debt collection - Auto 1

Top Issues

1.Attempts to collect debt not owed 23
2.Written notification about debt 21
3.Took or threatened to take negative or legal action 10
4.Incorrect information on your report 10
5.False statements or representation 8
6.Cont'd attempts collect debt not owed 6
7.Problem with a credit reporting company's investigation into an existing problem 3
8.Disclosure verification of debt 3
9.Improper use of your report 2
10.Communication tactics 2

Complaints by Year

Year Complaints
2015 4
2016 5
2017 6
2018 2
2019 5
2020 9
2021 11
2022 21
2023 7
2024 5
2025 10
2026 4

Complaints by State (Top 15)

Connecticut 44
New York 11
Texas 6
Florida 6
Arizona 4
New Jersey 4
South Carolina 3
Alabama 3
California 2
Georgia 1
Oregon 1
North Carolina 1
Maryland 1
Pennsylvania 1
Tennessee 1

Company Responses

Closed with explanation 81
Closed with non-monetary relief 7
Closed 1

What the CFPB Complaint Record Shows for Credit Center, LLC

Credit Center, LLC carries 89 complaints in the CFPB's database, 13 of them filed within the past 12 months. Consumers spanning 15 states and territories have weighed in, giving this a multi-regional 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 "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.

94.4% of CFPB-forwarded complaints against Credit Center, LLC get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. In 9.1% 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, 7.9% 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 Center, LLC have?

89 complaints have been filed against Credit Center, LLC with the CFPB overall - 13 of them in the past year.

Does Credit Center, LLC respond to complaints on time?

Credit Center, LLC's CFPB timely-response rate is 94.4%.

What product generates the most complaints for Credit Center, LLC?

The most complained-about product for Credit Center, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Credit Center, LLC?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Credit Center, LLC; the full issue list with counts is above.

How do I file a complaint against Credit Center, LLC?

You can file a complaint against Credit Center, LLC 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 Center, LLC?

Consumers in 15 states and territories have filed complaints about Credit Center, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state 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.