CFPB Consumer Complaint Profile

ULRS, Inc.

Consumers have filed 111 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

111
Total complaints
34
Last 12 months
76.6%
Timely response
22
States affected

The verdict

111 CFPB complaints put ULRS, Inc. at #1269 out of 3,848 financial companies ranked by complaint volume. 76.6% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#1269
of 3,848 companies by volume
76.6%
answered on time
Debt collection
most-complained product
22
states with complaints
ULRS, Inc. timely response rate 76.6%
Industry benchmark

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

Reading this profile

Complaints by Product

Debt collection - I do not know 28
Debt collection - Other debt 27
Debt collection - Medical debt 27
Credit reporting or other personal consumer reports - Credit reporting 9
Debt collection - Other (i.e. phone, health club, etc.) 8
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 5
Debt collection - Auto debt 2
Credit reporting or other personal consumer reports - Other personal consumer report 1
Debt collection - Rental debt 1
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report 1

Top Issues

1.Attempts to collect debt not owed 37
2.Took or threatened to take negative or legal action 17
3.Communication tactics 16
4.False statements or representation 13
5.Incorrect information on your report 9
6.Written notification about debt 5
7.Improper use of your report 4
8.Cont'd attempts collect debt not owed 4
9.Disclosure verification of debt 2
10.Problem with a credit reporting company's investigation into an existing problem 2

Complaints by Year

Year Complaints
2015 7
2016 2
2017 3
2018 10
2019 6
2020 9
2021 6
2022 8
2023 11
2024 13
2025 24
2026 12

Complaints by State (Top 15)

California 51
Florida 9
Arizona 7
Texas 6
Ohio 4
Georgia 4
South Dakota 4
South Carolina 4
Pennsylvania 4
North Carolina 2
Colorado 2
Illinois 2
North Dakota 2
Nebraska 1
Tennessee 1

Company Responses

Closed with explanation 95
Untimely response 11
Closed with non-monetary relief 3
Closed 1
Closed with monetary relief 1

What the CFPB Complaint Record Shows for ULRS, Inc.

The CFPB Consumer Complaint Database has logged 111 complaints against ULRS, Inc. overall, with 34 of those filed in the trailing 12 months. Reports have come from consumers in 22 states and territories, making this a multi-regional 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. 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.

76.6% of CFPB-forwarded complaints against ULRS, Inc. get a reply inside the Bureau's 15-day window. 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. In 20% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 3.6% of resolved complaints ended with some monetary or non-monetary relief for 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 ULRS, Inc. have?

ULRS, Inc. has 111 total consumer complaints filed with the CFPB, with 34 filed in the last 12 months.

Does ULRS, Inc. respond to complaints on time?

ULRS, Inc. has a 76.6% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.

What product generates the most complaints for ULRS, Inc.?

The most complained-about product for ULRS, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with ULRS, Inc.?

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

How do I file a complaint against ULRS, Inc.?

You can file a complaint against ULRS, 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 ULRS, Inc.?

ULRS, Inc. has drawn CFPB complaints from 22 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.