Total CFPB complaints
13
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 13 complaints
Credit Bureau of San Luis Obispo & Santa Barbara Counties — Debt Collector Complaint Profile
CFPB complaint profile across 3 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 San Luis Obispo & Santa Barbara Counties
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Communication tactics
Communication tactics
2 complaints
- False statements or representation
False statements or representation
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
B
Grade B · 68.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Credit Bureau of San Luis Obispo & Santa Barbara Counties?
Credit Bureau of San Luis Obispo & Santa Barbara Counties has accumulated 13 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 92% timely-response rate against a 22% 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 3 states, led by California with 11 and Oregon with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.4/100 places Credit Bureau of San Luis Obispo & Santa Barbara Counties in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
B
68.4/100 composite
Response-quality profile
How Credit Bureau of San Luis Obispo & Santa Barbara Counties performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Bureau of San Luis Obispo & Santa Barbara Counties compare to its peers?
Credit Bureau of San L… 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)
2013-10 2019-04
Top Consumer Issues
Cont'd attempts collect debt not owed3 (%)
Communication tactics2 (%)
False statements or representation2 (%)
Taking/threatening an illegal action2 (%)
Disclosure verification of debt1 (%)
Written notification about debt2 (%)
Attempts to collect debt not owed1 (%)
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 | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties come from?
The states where consumers have filed the most CFPB complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties
Across 3 states with at least one filing
- California
California
11 complaints
- Oregon 1
Oregon
1 complaints
- Nevada 1
Nevada
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Bureau of San Luis Obispo & Santa Barbara Counties? ▼
The most common issue consumers report about Credit Bureau of San Luis Obispo & Santa Barbara Counties is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 13 complaints filed with the CFPB.
Are complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties increasing or decreasing? ▼
Complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties have been stable. The company received 0 complaints in the last 12 months.
What is Credit Bureau of San Luis Obispo & Santa Barbara Counties's reputation grade? ▼
Credit Bureau of San Luis Obispo & Santa Barbara Counties has a reputation grade of B (score: 68.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Credit Bureau of San Luis Obispo & Santa Barbara Counties respond to consumer complaints? ▼
Credit Bureau of San Luis Obispo & Santa Barbara Counties has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does Credit Bureau of San Luis Obispo & Santa Barbara Counties operate? ▼
Credit Bureau of San Luis Obispo & Santa Barbara Counties has received CFPB complaints from consumers in 3 states, with the most complaints from California (11 complaints).
What can I do if Credit Bureau of San Luis Obispo & Santa Barbara Counties 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 San Luis Obispo & Santa Barbara Counties 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 |