CFPB Consumer Complaint Profile

Credit Service International Corp

What 292 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

292
Total complaints
142
Last 12 months
97.6%
Timely response
26
States affected

The verdict

Credit Service International Corp ranks #715 of 3,848 financial companies by CFPB complaint volume, with 292 complaints on record. 97.6% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#715
of 3,848 companies by volume
97.6%
answered on time
Debt collection
most-complained product
26
states with complaints
Credit Service International Corp timely response rate 97.6%
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 - I do not know 114
Debt collection - Medical debt 82
Credit reporting or other personal consumer reports - Credit reporting 48
Debt collection - Other debt 30
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 7
Debt collection - Rental debt 5
Debt collection - Other (i.e. phone, health club, etc.) 2
Debt or credit management - Credit repair services 1
Debt collection - Medical 1
Credit reporting or other personal consumer reports - Other personal consumer report 1

Top Issues

1.Attempts to collect debt not owed 89
2.Written notification about debt 49
3.Took or threatened to take negative or legal action 39
4.False statements or representation 36
5.Incorrect information on your report 23
6.Improper use of your report 20
7.Communication tactics 15
8.Problem with a company's investigation into an existing problem 12
9.Electronic communications 3
10.Threatened to contact someone or share information improperly 1

Complaints by Year

Year Complaints
2015 1
2016 1
2017 1
2018 4
2019 6
2020 3
2021 4
2022 9
2023 25
2024 55
2025 142
2026 41

Complaints by State (Top 15)

Texas 70
Georgia 62
Florida 42
Wisconsin 36
Minnesota 17
Ohio 7
Illinois 7
Michigan 6
Arizona 6
Indiana 5
North Carolina 4
Mississippi 4
Louisiana 3
New Jersey 3
Alabama 3

Company Responses

Closed with explanation 292

What the CFPB Complaint Record Shows for Credit Service International Corp

Credit Service International Corp carries 292 complaints in the CFPB's database, 142 of them filed within the past 12 months. Consumers spanning 26 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. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

97.6% of CFPB-forwarded complaints against Credit Service International Corp get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 Service International Corp have?

The CFPB has logged 292 complaints against Credit Service International Corp to date, of which 142 came in over the last 12 months.

Does Credit Service International Corp respond to complaints on time?

Credit Service International Corp has a 97.6% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for Credit Service International Corp?

Among all products tied to Credit Service International Corp, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Credit Service International Corp?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Credit Service International Corp - see all issues and counts above.

How do I file a complaint against Credit Service International Corp?

You can file a complaint against Credit Service International Corp 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 International Corp?

The CFPB has recorded complaints against Credit Service International Corp from 26 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.