CFPB Consumer Complaint Profile
I.C. System, Inc.
Consumers have filed 20,596 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 20,596
- Total complaints
- Among the highest
- 5,868
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 56
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, I.C. System, Inc. sits at #35, with 20,596 complaints logged. It posts a 99.9% on-time response rate, the 82nd percentile among companies with 100+ complaints.
- #35
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Debt collection
- most-complained product
- 56
- 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.
I.C. System, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3,128 in 2024 to 5,249 in 2025 (2024 → 2025).
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 | 109 |
| 2014 | 331 |
| 2015 | 349 |
| 2016 | 473 |
| 2017 | 725 |
| 2018 | 691 |
| 2019 | 801 |
| 2020 | 1,366 |
| 2021 | 2,148 |
| 2022 | 1,620 |
| 2023 | 1,827 |
| 2024 | 3,128 |
| 2025 | 5,249 |
| 2026year in progress | 1,779 |
Complaints by State (Top 15)
Company Responses
I.C. System, Inc. Complaint Concentration Profile
I.C. System, Inc. is a high-volume CFPB cohort (20,596 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 39 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Credit reporting or other personal consumer reports) hold a 68.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.200 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Incorrect information on your report) cover a 65.5% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, Georgia) hold a 36.6% share of state-tagged volume across 56 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 94.8% share among the 20,596 response-tagged complaints (19,534 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (5,249 complaints); the lightest year on file was 2013 (109). From 2024 to 2025, annual volume rose 67.8% (3,128 → 5,249). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for I.C. System, Inc.
20,596 complaints against I.C. System, Inc. appear in the CFPB record, including 5,868 from the trailing year. The 56 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
I.C. System, Inc.'s timely response rate stands at 99.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 5.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 5.1% 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 I.C. System, Inc. have?
I.C. System, Inc. has 20,596 total consumer complaints filed with the CFPB, with 5,868 filed in the last 12 months.
Does I.C. System, Inc. respond to complaints on time?
I.C. System, Inc.'s CFPB timely-response rate is 99.9%. This is considered excellent.
What product generates the most complaints for I.C. System, Inc.?
"Debt collection" draws more CFPB complaints against I.C. System, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with I.C. System, Inc.?
The most common issue reported by consumers about I.C. System, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against I.C. System, Inc.?
You can file a complaint against I.C. System, 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 I.C. System, Inc.?
Consumers in 56 states and territories have filed complaints about I.C. System, 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 I.C. System, 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 complaint volume
Nearest companies by total CFPB complaint count (20,596 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (5.7% 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.