CFPB Consumer Complaint Profile
Innovative Credit Solutions
15 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
- 15
- Total complaints
- Below average
- 0
- Last 12 months
- 73.3%
- Timely response
- Bottom decile
- 10
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Innovative Credit Solutions has accumulated 15 complaints, placing it #3232 by volume. On-time replies land at 73.3%, the 7th percentile for the 100+ complaint peer group.
- #3232
- of 3,843 companies by volume
- 73.3%
- on time (7th pctile)
- Debt collection
- most-complained product
- 10
- 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 Credit Solutions vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
73.3% 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 |
|---|---|
| 2015 | 2 |
| 2016 | 7 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Innovative Credit Solutions
The CFPB Consumer Complaint Database has logged 15 complaints against Innovative Credit Solutions overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 10 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Disclosure verification of debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Innovative Credit Solutions draw a 73.3% reply rate inside the Bureau's 15-day window. 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 45.5% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Credit Solutions have?
The CFPB has logged 15 complaints against Innovative Credit Solutions to date, of which 0 came in over the last 12 months.
Does Innovative Credit Solutions respond to complaints on time?
Innovative Credit Solutions's CFPB timely-response rate is 73.3%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Innovative Credit Solutions?
The most complained-about product for Innovative Credit Solutions is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Innovative Credit Solutions?
"Disclosure verification of debt" is the single most frequently cited issue in complaints against Innovative Credit Solutions - see all issues and counts above.
How do I file a complaint against Innovative Credit Solutions?
You can file a complaint against Innovative Credit Solutions 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 Credit Solutions?
Consumers in 10 states and territories have filed complaints about Innovative Credit Solutions 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 Credit Solutions: 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 (45.5% 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 Credit Solutions have?
The CFPB has logged 15 complaints against Innovative Credit Solutions to date, of which 0 came in over the last 12 months.
Does Innovative Credit Solutions respond to complaints on time?
Innovative Credit Solutions's CFPB timely-response rate is 73.3%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Innovative Credit Solutions?
The most complained-about product for Innovative Credit Solutions is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Innovative Credit Solutions?
"Disclosure verification of debt" is the single most frequently cited issue in complaints against Innovative Credit Solutions - see all issues and counts above.
How do I file a complaint against Innovative Credit Solutions?
You can file a complaint against Innovative Credit Solutions 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 Credit Solutions?
Consumers in 10 states and territories have filed complaints about Innovative Credit Solutions 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.