CFPB Consumer Complaint Profile
Montgomery County Credit Bureau
What 16 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
- 16
- Total complaints
- Below average
- 1
- Last 12 months
- 18.8%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Montgomery County Credit Bureau has accumulated 16 complaints, placing it #3154 by volume. It posts a 18.8% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #3154
- of 3,843 companies by volume
- 18.8%
- on time (1st pctile)
- Credit reporting, cr…
- most-complained product
- 7
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Montgomery County Credit Bureau vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
18.8% Among the lowest higher than 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 1 |
| 2015 | 1 |
| 2018 | 4 |
| 2019 | 1 |
| 2021 | 1 |
| 2022 | 2 |
| 2023 | 4 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Montgomery County Credit Bureau
Montgomery County Credit Bureau carries 16 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 7 states and territories have weighed in, giving this a geographically concentrated footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Montgomery County Credit Bureau posts a 18.8% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 33.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Montgomery County Credit Bureau have?
16 complaints have been filed against Montgomery County Credit Bureau with the CFPB overall - 1 of them in the past year.
Does Montgomery County Credit Bureau respond to complaints on time?
CFPB complaints against Montgomery County Credit Bureau draw a 18.8% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Montgomery County Credit Bureau?
The most complained-about product for Montgomery County Credit Bureau is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Montgomery County Credit Bureau?
"Improper use of your report" is the single most frequently cited issue in complaints against Montgomery County Credit Bureau - see all issues and counts above.
How do I file a complaint against Montgomery County Credit Bureau?
You can file a complaint against Montgomery County Credit Bureau 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 Montgomery County Credit Bureau?
Montgomery County Credit Bureau has drawn CFPB complaints from 7 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 Montgomery County Credit Bureau: 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 (33.3% here).
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 Montgomery County Credit Bureau have?
16 complaints have been filed against Montgomery County Credit Bureau with the CFPB overall - 1 of them in the past year.
Does Montgomery County Credit Bureau respond to complaints on time?
CFPB complaints against Montgomery County Credit Bureau draw a 18.8% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Montgomery County Credit Bureau?
The most complained-about product for Montgomery County Credit Bureau is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Montgomery County Credit Bureau?
"Improper use of your report" is the single most frequently cited issue in complaints against Montgomery County Credit Bureau - see all issues and counts above.
How do I file a complaint against Montgomery County Credit Bureau?
You can file a complaint against Montgomery County Credit Bureau 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 Montgomery County Credit Bureau?
Montgomery County Credit Bureau has drawn CFPB complaints from 7 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.