CFPB Consumer Complaint Profile
Sunrise Credit Services, Inc
Consumers have filed 5,699 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 5,699
- Total complaints
- Among the highest
- 2,102
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 55
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Sunrise Credit Services, Inc sits at #94, with 5,699 complaints logged. On-time replies land at 99.9%, the 82nd percentile for the 100+ complaint peer group.
- #94
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Debt collection
- most-complained product
- 55
- 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.
Sunrise Credit Services, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1,195 in 2024 to 1,915 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 15 |
| 2014 | 50 |
| 2015 | 62 |
| 2016 | 84 |
| 2017 | 115 |
| 2018 | 149 |
| 2019 | 146 |
| 2020 | 219 |
| 2021 | 300 |
| 2022 | 359 |
| 2023 | 489 |
| 2024 | 1,195 |
| 2025 | 1,915 |
| 2026year in progress | 601 |
Complaints by State (Top 15)
Company Responses
Sunrise Credit Services, Inc Complaint Concentration Profile
Sunrise Credit Services, Inc is a high-volume CFPB cohort (5,699 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 40 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Debt collection) hold a 73.7% share of product-tagged complaints. The Herfindahl index on that product mix is 0.214 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Incorrect information on your report) cover a 63.2% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, California) hold a 31.7% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 98.8% share among the 5,699 response-tagged complaints (5,632 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,915 complaints); the lightest year on file was 2013 (15). From 2024 to 2025, annual volume rose 60.3% (1,195 → 1,915). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Sunrise Credit Services, Inc
The CFPB Consumer Complaint Database has logged 5,699 complaints against Sunrise Credit Services, Inc overall, with 2,102 of those filed in the trailing 12 months. Reports have come from consumers in 55 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Sunrise Credit Services, Inc posts a 99.9% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1.1% 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 Sunrise Credit Services, Inc have?
Sunrise Credit Services, Inc has 5,699 total consumer complaints filed with the CFPB, with 2,102 filed in the last 12 months.
Does Sunrise Credit Services, Inc respond to complaints on time?
CFPB complaints against Sunrise Credit Services, Inc draw a 99.9% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Sunrise Credit Services, Inc?
"Debt collection" draws more CFPB complaints against Sunrise Credit Services, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Sunrise Credit Services, Inc?
The most common issue reported by consumers about Sunrise Credit Services, Inc is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Sunrise Credit Services, Inc?
You can file a complaint against Sunrise Credit Services, 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 Sunrise Credit Services, Inc?
Sunrise Credit Services, Inc has drawn CFPB complaints from 55 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 Sunrise Credit Services, Inc: 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 complaint volume
Nearest companies by total CFPB complaint count (5,699 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.