This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade B 98 complaints

Credit Bureau of the South, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade B.

Complaints by issue type

What consumers report about Credit Bureau of the South, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record credit-bureau-of-the-south-inc Credit Bureau of the South, Inc.

Grade B · 98 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed

  • VOL 98
  • GRADE B
  • 12MO 19
  • STATES 11
  • TIMELY 97%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #820
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Berman & Rabin, P.A. (98 complaints)

Berman & Rabin, P.A.Berman & Rabin, P.A.98Diversified Acceptance CorporationDiversified Acceptance Corpo…98John C. Heath, Attorney at Law, PLLCJohn C. Heath, Attorney at L…98Velo LAW OfficeVelo LAW Office98Credit Bureau of the South, Inc. (this)Credit Bureau of the South, …98
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Bureau of the South, Inc.'s 98 CFPB complaints sit next to Berman & Rabin, P.A. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 98 complaints break down

Every complaint issue type on record for Credit Bureau of the South, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
62.0/100
Credit Bureau of the South, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
98
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

76.5% of Credit Bureau of the South, Inc.'s CFPB filings land in Louisiana

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Louisiana 76.5%
75 of 98 filings · 11 states touched
Seasonal peak
2024-09 9.5%
8–15% band · 2 filings
Corpus ranks
#820 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Credit Bureau of the South, Inc. compare to its peers?

How does Credit Bureau of the South, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Credit Bureau of the South, Inc. National average
Complaints (last 12 mo)lower is better
19
21
268
Timely-response ratehigher is better
97%
82%
91%
Consumer-dispute ratelower is better
0%
19%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Credit Bureau of the South, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Credit Bureau of the South, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Credit Bureau of the South, Inc.Berman & Rabin, P.A.Diversified Acceptance CorporationJohn C. Heath, Attorney at Law, PLLCVELO LAW OFFICESherloq Group, IncNew Century Financial Services, Inc.Debt Management IncorporatedJacob Law Group, PLLCMS SERVICES LLC
Source: CFPB Consumer Complaint Database

Credit Bureau of the South, Inc.'s complaint volume in context

Credit Bureau of the South, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

98 Top 15% higher than 85% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Credit Bureau of the South, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2022-04 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
26
Written notification about debt
25
Took or threatened to take negative or legal action
18
False statements or representation
11
Communication tactics
8
Cont'd attempts collect debt not owed
7
Disclosure verification of debt
2
Improper contact or sharing of info
1

Where do complaints against Credit Bureau of the South, Inc. come from?

Credit Bureau of the South, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Credit Bureau of the South, Inc.

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Bureau of the South, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 98.

4 peers

Know your rights before responding to Credit Bureau of the South, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.