Total CFPB complaints
214
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 214 complaints
CREDIT BUREAU OF NAPA COUNTY, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 33 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CREDIT BUREAU OF NAPA COUNTY, INC.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
90 complaints
- Disclosure verification of debt
Disclosure verification of debt
37 complaints
- Communication tactics 23
Communication tactics
23 complaints
- Attempts to collect debt not owed 20
Attempts to collect debt not owed
20 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Written notification about debt 8
Written notification about debt
8 complaints
D
Grade D · 53.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CREDIT BUREAU OF NAPA COUNTY, INC.?
CREDIT BUREAU OF NAPA COUNTY, INC. has accumulated 214 total CFPB complaints across 33 states, with 2 filed in the most recent 12 months against 212 historical complaints before that window. The trailing-12-month volume represents 0.9% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 90% timely-response rate against a 28% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 33 states, led by New York with 47 and New Jersey with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places CREDIT BUREAU OF NAPA COUNTY, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
0.9% of total history
Stable →
States active
33
Distinct state filings
Timely response rate
90%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
D
53.1/100 composite
Response-quality profile
How CREDIT BUREAU OF NAPA COUNTY, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 55.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 58.9%
Share of US states + territories with at least one filed complaint against this collector.
How does CREDIT BUREAU OF NAPA COUNTY, INC. compare to its peers?
CREDIT BUREAU OF NAPA … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-07 2026-02
Top Consumer Issues
Cont'd attempts collect debt not owed90 (%)
Disclosure verification of debt37 (%)
Communication tactics23 (%)
Attempts to collect debt not owed20 (%)
False statements or representation11 (%)
Written notification about debt8 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 63 |
| Disclosure verification of debt | Not given enough info to verify debt | 33 |
| Cont'd attempts collect debt not owed | Debt was paid | 24 |
| Communication tactics | Frequent or repeated calls | 23 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 3 |
Where do complaints against CREDIT BUREAU OF NAPA COUNTY, INC. come from?
The states where consumers have filed the most CFPB complaints against CREDIT BUREAU OF NAPA COUNTY, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CREDIT BUREAU OF NAPA COUNTY, INC.
Across 33 states with at least one filing
- New York
New York
47 complaints
- New Jersey
New Jersey
21 complaints
- California 18
California
18 complaints
- Florida 17
Florida
17 complaints
- Pennsylvania 14
Pennsylvania
14 complaints
- Massachusetts 8
Massachusetts
8 complaints
- Ohio 7
Ohio
7 complaints
- Oregon 6
Oregon
6 complaints
Frequently Asked Questions
What is the most common complaint against CREDIT BUREAU OF NAPA COUNTY, INC.? ▼
The most common issue consumers report about CREDIT BUREAU OF NAPA COUNTY, INC. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 214 complaints filed with the CFPB.
Are complaints against CREDIT BUREAU OF NAPA COUNTY, INC. increasing or decreasing? ▼
Complaints against CREDIT BUREAU OF NAPA COUNTY, INC. have been stable. The company received 2 complaints in the last 12 months.
What is CREDIT BUREAU OF NAPA COUNTY, INC.'s reputation grade? ▼
CREDIT BUREAU OF NAPA COUNTY, INC. has a reputation grade of D (score: 53.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does CREDIT BUREAU OF NAPA COUNTY, INC. respond to consumer complaints? ▼
CREDIT BUREAU OF NAPA COUNTY, INC. has a 90% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.
In how many states does CREDIT BUREAU OF NAPA COUNTY, INC. operate? ▼
CREDIT BUREAU OF NAPA COUNTY, INC. has received CFPB complaints from consumers in 33 states, with the most complaints from New York (47 complaints).
What can I do if CREDIT BUREAU OF NAPA COUNTY, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CREDIT BUREAU OF NAPA COUNTY, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |