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Data / Consumer complaints / Credit Service Company

Credit Service Company: 104 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Credit Service Company drew 104 consumer complaints in the CFPB database in the three years to November 6, 2026, and 111 since 2013. The largest group, 75, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 31. The company responded on time to 0.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch Credit Service Company: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

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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.

  • 104Complaints, last 3 years
  • 111Complaints, all years
  • 0.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Sep 29, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 642
202544
202417
20233
20221
20141
20133

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.

ProductComplaintsShare
Debt collection7572.1%
Credit reporting or other personal consumer reports2826.9%
Credit card11%

Issues

IssueComplaintsShare
Attempts to collect debt not owed3129.8%
Written notification about debt1615.4%
Took or threatened to take negative or legal action1514.4%
Incorrect information on your report1413.5%
False statements or representation87.7%
Improper use of your report76.7%
Problem with a company's investigation into an existing problem76.7%
Communication tactics43.8%
Advertising and marketing, including promotional offers11%
Electronic communications11%

How the company responded

Company responseComplaintsShare
Untimely response104100%

States

StateComplaintsShare
Texas7269.2%
Montana54.8%
Oklahoma54.8%
Georgia43.8%
New Mexico32.9%
Arizona21.9%
Colorado21.9%
Florida21.9%
Louisiana21.9%
Ohio21.9%
Arkansas11%
Indiana11%
North Carolina11%
New York11%
West Virginia11%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
September 29, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 22, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 25, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
August 22, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 21, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
August 15, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
August 11, 2026Credit cardAdvertising and marketing, including promotional offersUntimely responseconsumerfinance.gov
July 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
July 20, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 19, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
June 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
June 2, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
June 2, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 26, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 25, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 24, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
April 28, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
April 14, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
April 8, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 8, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 8, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
April 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 31, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
March 26, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 22, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
March 10, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
February 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
February 27, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
February 13, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
February 10, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
February 7, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
February 3, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
January 27, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
January 22, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
January 20, 2026Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
January 20, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
January 15, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
January 11, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
January 8, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
December 11, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
December 9, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
December 4, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
December 3, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
December 3, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
December 1, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
November 28, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
November 7, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov

Also on SpecStream

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.