CFPB Consumer Complaint Profile
Surf Consultants, Inc.
Behind the 14 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
- 14
- Total complaints
- Below average
- 6
- Last 12 months
- 100%
- Timely response
- Top decile
- 2
- States affected
The verdict
14 CFPB complaints put Surf Consultants, Inc. at #3314 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 2
- 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.
Surf Consultants, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2017 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 2 |
| 2025 | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Surf Consultants, Inc.
Surf Consultants, Inc. carries 14 complaints in the CFPB's database, 6 of them filed within the past 12 months. Consumers spanning 2 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Surf Consultants, Inc. draw a 100% 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. 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 Surf Consultants, Inc. have?
14 complaints have been filed against Surf Consultants, Inc. with the CFPB overall - 6 of them in the past year.
Does Surf Consultants, Inc. respond to complaints on time?
CFPB complaints against Surf Consultants, Inc. draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Surf Consultants, Inc.?
The most complained-about product for Surf Consultants, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Surf Consultants, Inc.?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Surf Consultants, Inc.; the full issue list with counts is above.
How do I file a complaint against Surf Consultants, Inc.?
You can file a complaint against Surf Consultants, 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 Surf Consultants, Inc.?
Surf Consultants, Inc. has drawn CFPB complaints from 2 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 Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Surf Consultants, Inc. have?
14 complaints have been filed against Surf Consultants, Inc. with the CFPB overall - 6 of them in the past year.
Does Surf Consultants, Inc. respond to complaints on time?
CFPB complaints against Surf Consultants, Inc. draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Surf Consultants, Inc.?
The most complained-about product for Surf Consultants, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Surf Consultants, Inc.?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Surf Consultants, Inc.; the full issue list with counts is above.
How do I file a complaint against Surf Consultants, Inc.?
You can file a complaint against Surf Consultants, 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 Surf Consultants, Inc.?
Surf Consultants, Inc. has drawn CFPB complaints from 2 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.