CFPB Consumer Complaint Profile
Credit Service, Inc
What 34 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 34
- Total complaints
- Mid-range
- 2
- Last 12 months
- 79.4%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
Credit Service, Inc ranks #2211 of 3,843 financial companies by CFPB complaint volume, with 34 complaints on record. On-time replies land at 79.4%, the 9th percentile for the 100+ complaint peer group.
- #2211
- of 3,843 companies by volume
- 79.4%
- on time (9th pctile)
- Debt collection
- most-complained product
- 7
- 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, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
79.4% Among the lowest higher than 9% 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 |
|---|---|
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 2 |
| 2017 | 7 |
| 2018 | 4 |
| 2019 | 3 |
| 2021 | 6 |
| 2022 | 3 |
| 2023 | 2 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Service, Inc
34 complaints against Credit Service, Inc appear in the CFPB record, including 2 from the trailing year. The 7 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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.
Credit Service, Inc's timely response rate stands at 79.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response at a 27.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% 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, 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, Inc have?
34 complaints have been filed against Credit Service, Inc with the CFPB overall - 2 of them in the past year.
Does Credit Service, Inc respond to complaints on time?
Credit Service, Inc's CFPB timely-response rate is 79.4%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Credit Service, Inc?
The most complained-about product for Credit Service, Inc is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Credit Service, Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Credit Service, Inc - see all issues and counts above.
How do I file a complaint against Credit Service, Inc?
You can file a complaint against Credit Service, 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, Inc?
Consumers in 7 states and territories have filed complaints about Credit Service, 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, 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 (27.3% 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.