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Data / Consumer complaints / Internal Credit Systems, Inc

Internal Credit Systems, Inc: 36 CFPB consumer complaints in the last 3 years

Internal Credit Systems, Inc drew 36 consumer complaints in the CFPB database in the three years to November 6, 2026, and 36 since 2024. The largest group, 36, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 14. The company responded on time to 100.0% of the complaints, and 2.8% closed with monetary or other relief. The CFPB records the company as INTERNAL CREDIT SYSTEMS, INC.

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.

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  • 36Complaints, last 3 years
  • 36Complaints, all years
  • 100.0%Responded on time
  • 2.8%Closed with relief
  • 1Products
  • Sep 17, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 615
202512
20249

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 collection36100%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action1438.9%
Communication tactics616.7%
False statements or representation513.9%
Written notification about debt513.9%
Attempts to collect debt not owed38.3%
Threatened to contact someone or share information improperly25.6%
Electronic communications12.8%

How the company responded

Company responseComplaintsShare
Closed with explanation3597.2%
Closed with non-monetary relief12.8%

States

StateComplaintsShare
Ohio1027.8%
Indiana411.1%
Pennsylvania38.3%
California25.6%
Georgia25.6%
Michigan25.6%
Missouri25.6%
New York25.6%
Washington25.6%
Arizona12.8%
Illinois12.8%
Louisiana12.8%
Minnesota12.8%
New Hampshire12.8%
Rhode Island12.8%
Virginia12.8%

Latest 36 complaints

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

ReceivedProductIssueCompany responseSource
September 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 2, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 16, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 8, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
January 2, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 9, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 2, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 29, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 25, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 1, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
June 30, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 27, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 24, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 24, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 16, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 13, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 5, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
December 10, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 5, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 13, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 1, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 9, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 20, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 21, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 8, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 11, 2024Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.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.