CFPB Consumer Complaint Profile
Credit Concepts, Inc.
Consumers have filed 64 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
- 64
- Total complaints
- Mid-range
- 13
- Last 12 months
- 92.2%
- Timely response
- Bottom quartile
- 11
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Credit Concepts, Inc. sits at #1626, with 64 complaints logged. It posts a 92.2% on-time response rate, the 22nd percentile among companies with 100+ complaints.
- #1626
- of 3,843 companies by volume
- 92.2%
- on time (22nd pctile)
- Vehicle loan or lease
- 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 Concepts, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.2% Among the lowest higher than 22% 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 |
|---|---|
| 2015 | 2 |
| 2016 | 1 |
| 2017 | 3 |
| 2018 | 8 |
| 2019 | 3 |
| 2020 | 2 |
| 2021 | 6 |
| 2022 | 6 |
| 2023 | 11 |
| 2024 | 7 |
| 2025 | 12 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Concepts, Inc.
The CFPB Consumer Complaint Database has logged 64 complaints against Credit Concepts, Inc. overall, with 13 of those filed in the trailing 12 months. Reports have come from consumers in 11 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Credit Concepts, Inc. posts a 92.2% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 4.7%.
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 Concepts, Inc. have?
The CFPB has logged 64 complaints against Credit Concepts, Inc. to date, of which 13 came in over the last 12 months.
Does Credit Concepts, Inc. respond to complaints on time?
Credit Concepts, Inc.'s CFPB timely-response rate is 92.2%.
What product generates the most complaints for Credit Concepts, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against Credit Concepts, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Credit Concepts, Inc.?
The most common issue reported by consumers about Credit Concepts, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Credit Concepts, Inc.?
You can file a complaint against Credit Concepts, 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 Concepts, Inc.?
Consumers in 11 states and territories have filed complaints about Credit Concepts, Inc. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Concepts, 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 Vehicle loan or lease
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.