CFPB Consumer Complaint Profile
Innovative Collections, LLC
28 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 28
- Total complaints
- Mid-range
- 5
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Innovative Collections, LLC ranks #2422 of 3,843 financial companies by CFPB complaint volume, with 28 complaints on record. Its on-time response rate is 0%, the 0th percentile among companies with 100+ complaints.
- #2422
- of 3,843 companies by volume
- 0%
- on time (0th 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.
Innovative Collections, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% 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 | 9 |
| 2016 | 2 |
| 2017 | 1 |
| 2018 | 2 |
| 2019 | 2 |
| 2021 | 1 |
| 2024 | 4 |
| 2025 | 4 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Innovative Collections, LLC
28 complaints against Innovative Collections, LLC appear in the CFPB record, including 5 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Cont'd attempts collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Innovative Collections, LLC posts a 0% reply rate on forwarded complaints. 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. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. 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 Innovative Collections, LLC have?
The CFPB has logged 28 complaints against Innovative Collections, LLC to date, of which 5 came in over the last 12 months.
Does Innovative Collections, LLC respond to complaints on time?
Innovative Collections, LLC's CFPB timely-response rate is 0%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Innovative Collections, LLC?
Among all products tied to Innovative Collections, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Innovative Collections, LLC?
"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against Innovative Collections, LLC - see all issues and counts above.
How do I file a complaint against Innovative Collections, LLC?
You can file a complaint against Innovative Collections, LLC 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 Innovative Collections, LLC?
Consumers in 8 states and territories have filed complaints about Innovative Collections, LLC 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 Innovative Collections, LLC: 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 Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Innovative Collections, LLC have?
The CFPB has logged 28 complaints against Innovative Collections, LLC to date, of which 5 came in over the last 12 months.
Does Innovative Collections, LLC respond to complaints on time?
Innovative Collections, LLC's CFPB timely-response rate is 0%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Innovative Collections, LLC?
Among all products tied to Innovative Collections, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Innovative Collections, LLC?
"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against Innovative Collections, LLC - see all issues and counts above.
How do I file a complaint against Innovative Collections, LLC?
You can file a complaint against Innovative Collections, LLC 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 Innovative Collections, LLC?
Consumers in 8 states and territories have filed complaints about Innovative Collections, LLC 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.