CFPB Consumer Complaint Profile
Credit Shop, Incorporated
Behind the 11 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
- 11
- Total complaints
- Below average
- 0
- Last 12 months
- 72.7%
- Timely response
- Bottom decile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Credit Shop, Incorporated has accumulated 11 complaints, placing it #3589 by volume. Its on-time response rate is 72.7%, the 7th percentile among companies with 100+ complaints.
- #3589
- of 3,843 companies by volume
- 72.7%
- on time (7th pctile)
- Payday loan, title l…
- most-complained product
- 3
- 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 Shop, Incorporated vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
72.7% Among the lowest higher than 7% 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 | 1 |
| 2016 | 2 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 3 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Shop, Incorporated
11 complaints against Credit Shop, Incorporated appear in the CFPB record, including 0 from the trailing year. The 3 states and territories represented put this footprint in geographically concentrated territory. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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 Shop, Incorporated's timely response rate stands at 72.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among 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. Among resolved complaints, 9.1% 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 Shop, Incorporated have?
Credit Shop, Incorporated has 11 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Credit Shop, Incorporated respond to complaints on time?
Credit Shop, Incorporated has a 72.7% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Credit Shop, Incorporated?
The most complained-about product for Credit Shop, Incorporated is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Credit Shop, Incorporated?
The most common issue reported by consumers about Credit Shop, Incorporated is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Credit Shop, Incorporated?
You can file a complaint against Credit Shop, Incorporated 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 Shop, Incorporated?
Consumers in 3 states and territories have filed complaints about Credit Shop, Incorporated 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 Shop, Incorporated: 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 Payday loan, title loan, or personal loan
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.