CFPB Consumer Complaint Profile
Credit Service Company, INC
Behind the 210 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
- 210
- Total complaints
- Above average
- 28
- Last 12 months
- 99%
- Timely response
- Above median
- 23
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Credit Service Company, INC sits at #895, with 210 complaints logged. On-time replies land at 99%, the 60th percentile for the 100+ complaint peer group.
- #895
- of 3,843 companies by volume
- 99%
- on time (60th pctile)
- Debt collection
- most-complained product
- 23
- 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, INC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99% Higher than most higher than 60% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 9 |
| 2015 | 8 |
| 2016 | 18 |
| 2017 | 21 |
| 2018 | 30 |
| 2019 | 15 |
| 2020 | 17 |
| 2021 | 28 |
| 2022 | 12 |
| 2023 | 4 |
| 2024 | 15 |
| 2025 | 23 |
| 2026year in progress | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Service Company, INC
The CFPB Consumer Complaint Database has logged 210 complaints against Credit Service Company, INC overall, with 28 of those filed in the trailing 12 months. Reports have come from consumers in 23 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Credit Service Company, INC's timely response rate stands at 99%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 20% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0%.
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, INC have?
210 complaints have been filed against Credit Service Company, INC with the CFPB overall - 28 of them in the past year.
Does Credit Service Company, INC respond to complaints on time?
Credit Service Company, INC has a 99% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Credit Service Company, INC?
"Debt collection" draws more CFPB complaints against Credit Service Company, INC than any other product - see the full breakdown above.
What is the most common complaint issue with Credit Service Company, INC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Credit Service Company, INC; the full issue list with counts is above.
How do I file a complaint against Credit Service Company, INC?
You can file a complaint against Credit Service Company, 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 Service Company, INC?
Consumers in 23 states and territories have filed complaints about Credit Service Company, 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 Service Company, 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 (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.