CFPB Consumer Complaint Profile
Investigative Concepts, Inc.
What 13 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 3
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 10
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Investigative Concepts, Inc. has accumulated 13 complaints, placing it #3408 by volume. On-time replies land at 0%, the 0th percentile for the 100+ complaint peer group.
- #3408
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Credit reporting, cr…
- 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.
Investigative Concepts, Inc. 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 |
|---|---|
| 2017 | 4 |
| 2019 | 2 |
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 1 |
| 2025 | 1 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Investigative Concepts, Inc.
13 complaints against Investigative Concepts, Inc. appear in the CFPB record, including 3 from the trailing year. The 10 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" 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, Investigative Concepts, Inc. 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 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 Investigative Concepts, Inc. have?
13 complaints have been filed against Investigative Concepts, Inc. with the CFPB overall - 3 of them in the past year.
Does Investigative Concepts, Inc. respond to complaints on time?
Investigative Concepts, Inc. has a 0% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Investigative Concepts, Inc.?
Among all products tied to Investigative Concepts, Inc., "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Investigative Concepts, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Investigative Concepts, Inc. - see all issues and counts above.
How do I file a complaint against Investigative Concepts, Inc.?
You can file a complaint against Investigative Concepts, 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 Investigative Concepts, Inc.?
Investigative Concepts, Inc. has drawn CFPB complaints from 10 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.
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Investigative Concepts, Inc. have?
13 complaints have been filed against Investigative Concepts, Inc. with the CFPB overall - 3 of them in the past year.
Does Investigative Concepts, Inc. respond to complaints on time?
Investigative Concepts, Inc. has a 0% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Investigative Concepts, Inc.?
Among all products tied to Investigative Concepts, Inc., "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Investigative Concepts, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Investigative Concepts, Inc. - see all issues and counts above.
How do I file a complaint against Investigative Concepts, Inc.?
You can file a complaint against Investigative Concepts, 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 Investigative Concepts, Inc.?
Investigative Concepts, Inc. has drawn CFPB complaints from 10 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.