CFPB Consumer Complaint Profile
Credit Service Company
Consumers have filed 82 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
- 82
- Total complaints
- Mid-range
- 49
- Last 12 months
- 4.9%
- Timely response
- Bottom decile
- 14
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Credit Service Company has accumulated 82 complaints, placing it #1453 by volume. Its on-time response rate is 4.9%, the 0th percentile among companies with 100+ complaints.
- #1453
- of 3,843 companies by volume
- 4.9%
- on time (0th pctile)
- Debt collection
- most-complained product
- 14
- 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 Service Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
4.9% Among the lowest in the bottom 1% 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 17 in 2024 to 44 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 | 3 |
| 2014 | 1 |
| 2022 | 1 |
| 2023 | 3 |
| 2024 | 17 |
| 2025 | 44 |
| 2026year in progress | 13 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Service Company
82 complaints against Credit Service Company appear in the CFPB record, including 49 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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 Service Company posts a 4.9% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% 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 Service Company have?
82 complaints have been filed against Credit Service Company with the CFPB overall - 49 of them in the past year.
Does Credit Service Company respond to complaints on time?
Credit Service Company's CFPB timely-response rate is 4.9%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Credit Service Company?
The most complained-about product for Credit Service Company is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Credit Service Company?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Credit Service Company; the full issue list with counts is above.
How do I file a complaint against Credit Service Company?
You can file a complaint against Credit Service Company 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 Service Company?
Credit Service Company has drawn CFPB complaints from 14 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 Service Company: 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.