CFPB Consumer Complaint Profile

Ms Services LLC

Behind the 127 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-08-14

127
Total complaints
Mid-range
10
Last 12 months
96.1%
Timely response
Below median
28
States affected

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The verdict

Out of 3,843 financial companies in the CFPB database, Ms Services LLC has accumulated 127 complaints, placing it #1196 by volume. On-time replies land at 96.1%, the 34th percentile for the 100+ complaint peer group.

#1196
of 3,843 companies by volume
96.1%
on time (34th pctile)
Credit reporting, cr…
most-complained product
28
states with complaints
F
PlainCredit Trust Score
29/100
Ms Services LLC · 3 of 3 dimensions reported

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.

Timely Response C 96.1%
Share of complaints answered within the CFPB response window
Dispute Rate F 35.3%
Share of responses the consumer disputed (lower is better)
Relief Rate F 0.0%
Share of complaints closed with monetary or non-monetary relief

Ms Services LLC vs. all companies by on-time response rate

Every company with 100+ CFPB complaints on file (1,335 total)

96.1% Around the middle higher than 34% 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

Ms Services LLC timely response rate 96.1%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 27
Debt collection - I do not know 24
Debt collection - Other debt 22
Debt collection - Credit card debt 17
Debt collection - Other (i.e. phone, health club, etc.) 9
Debt collection - Medical 5
Debt collection - Private student loan debt 4
Debt collection - Medical debt 4
Debt collection - Auto debt 4
Debt collection - Federal student loan debt 3

Top Issues

1.Attempts to collect debt not owed 41
2.Incorrect information on your report 15
3.Written notification about debt 15
4.Communication tactics 12
5.Problem with a credit reporting company's investigation into an existing problem 11
6.Took or threatened to take negative or legal action 10
7.False statements or representation 7
8.Cont'd attempts collect debt not owed 5
9.Disclosure verification of debt 4
10.Issue where my lender is my school 2

Complaints by Year

Year Complaints
2014 6
2015 4
2016 7
2017 1
2018 4
2019 6
2020 23
2021 31
2022 24
2023 3
2024 6
2025 11
2026year in progress 1

Complaints by State (Top 15)

California 55
Wyoming 12
Colorado 9
Mississippi 5
Florida 4
Nevada 4
Montana 3
Georgia 3
Texas 3
Tennessee 3
Iowa 2
North Carolina 2
New York 2
West Virginia 2
Nebraska 2

Company Responses

Closed with explanation 127

What the CFPB Complaint Record Shows for Ms Services LLC

The CFPB Consumer Complaint Database has logged 127 complaints against Ms Services LLC overall, with 10 of those filed in the trailing 12 months. Reports have come from consumers in 28 states and territories, making this a multi-regional complaint footprint. 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, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

CFPB-forwarded complaints against Ms Services LLC draw a 96.1% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 35.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Ms Services LLC have?

Ms Services LLC has 127 total consumer complaints filed with the CFPB, with 10 filed in the last 12 months.

Does Ms Services LLC respond to complaints on time?

Ms Services LLC's CFPB timely-response rate is 96.1%. This is considered excellent.

What product generates the most complaints for Ms Services LLC?

The most complained-about product for Ms Services LLC 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 Ms Services LLC?

The most common issue reported by consumers about Ms Services LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Ms Services LLC?

You can file a complaint against Ms Services 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 Ms Services LLC?

Consumers in 28 states and territories have filed complaints about Ms Services 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 Ms Services 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 (35.3% here).

Also handles Credit reporting, credit repair services, or other personal consumer reports

Other companies with the same primary CFPB product category on file.

Source: CFPB Consumer Complaint Database Data through March 2026