Data / Consumer complaints / Consumer Portfolio Services, Inc.

Consumer Portfolio Services, Inc.: 2,347 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against Consumer Portfolio Services, Inc.
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

Consumer Portfolio Services, Inc. drew 2,347 consumer complaints in the CFPB database in the three years to November 6, 2026, and 4,004 since 2012. The largest group, 1,356, was about credit reporting or other personal consumer reports, and the most common issue was “Improper use of your report” with 807. The company responded on time to 99.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaints Get every credit reporting or other personal consumer reports company Get credit reporting or other personal consumer reports in Texas

2,347Complaints, last 3 years
4,004Complaints, all years
99.9%Responded on time
0.0%Closed with relief
8Products
Nov 3, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

Year	Complaints
2026, to Nov 6	832
2025	899
2024	551
2023	391
2022	254
2021	228
2020	181
2019	146
2018	141
2017	125
2016	81
2015	93
2014	53
2013	25
2012	4

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Product	Complaints	Share
Credit reporting or other personal consumer reports	1,356	57.8%
Vehicle loan or lease	533	22.7%
Debt collection	445	19%
Payday loan, title loan, personal loan, or advance loan	5	0.2%
Debt or credit management	4	0.2%
Credit card	2	0.1%
Checking or savings account	1	0.1%
Mortgage	1	0.1%

Issues

Issue	Complaints	Share
Improper use of your report	807	34.4%
Incorrect information on your report	439	18.7%
Repossession	165	7%
Problem with a company's investigation into an existing problem	162	6.9%
Attempts to collect debt not owed	160	6.8%
Managing the loan or lease	137	5.8%
Took or threatened to take negative or legal action	112	4.8%
Getting a loan or lease	81	3.5%
False statements or representation	67	2.9%
Written notification about debt	57	2.4%
Struggling to pay your loan	49	2.1%
Problems at the end of the loan or lease	43	1.8%
Communication tactics	25	1.1%
Threatened to contact someone or share information improperly	14	0.6%
Electronic communications	10	0.4%
Credit monitoring or identity theft protection services	5	0.2%
Unable to get your credit report or credit score	3	0.1%
Problem with customer service	2	0.1%
Charged fees or interest you didn't expect	1	0.1%
Confusing or misleading advertising or marketing	1	0.1%
Confusing or missing disclosures	1	0.1%
Identity theft protection or other monitoring services	1	0.1%
Opening an account	1	0.1%
Problem with fraud alerts or security freezes	1	0.1%
Problem with the payoff process at the end of the loan	1	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	2,346	99.9%
In progress	1	0.1%

States

State	Complaints	Share
Texas	285	12.1%
Georgia	249	10.6%
Florida	173	7.4%
Illinois	166	7.1%
California	133	5.7%
Pennsylvania	132	5.6%
Ohio	106	4.5%
Maryland	91	3.9%
North Carolina	82	3.5%
Virginia	79	3.4%
Michigan	69	2.9%
Alabama	68	2.9%
New York	63	2.7%
Indiana	62	2.6%
South Carolina	60	2.6%
Tennessee	50	2.1%
New Jersey	49	2.1%
Louisiana	46	2%
Missouri	40	1.7%
Mississippi	37	1.6%
Arizona	35	1.5%
Nevada	31	1.3%
Arkansas	28	1.2%
Minnesota	27	1.2%
Wisconsin	24	1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Product	Issue	Company response	Source
November 3, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
November 3, 2026	Vehicle loan or lease	Struggling to pay your loan	Closed with explanation	consumerfinance.gov
November 2, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
November 1, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 30, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 30, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 30, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 29, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 29, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 29, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 28, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 28, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with explanation	consumerfinance.gov
October 27, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 27, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 27, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 26, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 24, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 24, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with explanation	consumerfinance.gov
October 24, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 24, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 23, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 23, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 22, 2026	Vehicle loan or lease	Managing the loan or lease	In progress	consumerfinance.gov
October 20, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 19, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.gov
October 18, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 17, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 17, 2026	Vehicle loan or lease	Getting a loan or lease	Closed with explanation	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 16, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 16, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 15, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 15, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 14, 2026	Debt collection	Threatened to contact someone or share information improperly	Closed with explanation	consumerfinance.gov
October 14, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
October 14, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.gov
October 14, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 14, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 14, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 13, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
October 12, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 12, 2026	Vehicle loan or lease	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 10, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 9, 2026	Debt collection	Communication tactics	Closed with explanation	consumerfinance.gov
October 9, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 9, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.