CFPB Consumer Complaint Profile
CSO Financial
Behind the 63 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
- 63
- Total complaints
- Mid-range
- 4
- Last 12 months
- 96.8%
- Timely response
- Below median
- 8
- States affected
The verdict
CSO Financial ranks #1640 of 3,843 financial companies by CFPB complaint volume, with 63 complaints on record. It posts a 96.8% on-time response rate, the 38th percentile among companies with 100+ complaints.
- #1640
- of 3,843 companies by volume
- 96.8%
- on time (38th pctile)
- Debt collection
- most-complained product
- 8
- 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.
CSO Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.8% Around the middle higher than 38% 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 | 3 |
| 2014 | 2 |
| 2015 | 6 |
| 2016 | 6 |
| 2017 | 3 |
| 2018 | 3 |
| 2019 | 5 |
| 2020 | 7 |
| 2021 | 4 |
| 2022 | 9 |
| 2023 | 5 |
| 2024 | 4 |
| 2025 | 3 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CSO Financial
CSO Financial carries 63 complaints in the CFPB's database, 4 of them filed within the past 12 months. Consumers spanning 8 states and territories have weighed in, giving this a geographically concentrated footprint. 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.
CFPB-forwarded complaints against CSO Financial draw a 96.8% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 42.1% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 15.9% 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 CSO Financial have?
The CFPB has logged 63 complaints against CSO Financial to date, of which 4 came in over the last 12 months.
Does CSO Financial respond to complaints on time?
CFPB complaints against CSO Financial draw a 96.8% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for CSO Financial?
The most complained-about product for CSO Financial is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with CSO Financial?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against CSO Financial - see all issues and counts above.
How do I file a complaint against CSO Financial?
You can file a complaint against CSO Financial 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 CSO Financial?
CSO Financial has drawn CFPB complaints from 8 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 CSO Financial: 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 (42.1% 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.