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

CFPB complaint data Grade D 46 complaints

Credit Bureau Services of Iowa Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade D.

Complaints by issue type

What consumers report about Credit Bureau Services of Iowa Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Credit Bureau Services of Iowa Inc. ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 46 all-time complaints and a 100% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
46
CFPB complaints, all-time
100%
answered inside the CFPB window
13
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Credit Bureau Services of Iowa Inc.?

Credit Bureau Services of Iowa Inc. has accumulated 46 total CFPB complaints across 11 states, with 13 filed in the most recent 12 months against 33 historical complaints before that window. The trailing-12-month volume represents 28.3% 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 "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 100% timely-response rate.

Complaints have been recorded across 11 states, led by Iowa with 27 and Illinois with 6. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Credit Bureau Services of Iowa Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

46

low-volume (CCDB)

Last 12 months

13

28.3% of all-time complaints

Stable →

States active

11

regional footprint

Timely response rate

100%

excellent band

Reputation grade

D

56.9/100 composite

How does Credit Bureau Services of Iowa Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Credit Bureau Services of Iowa Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 19.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Credit Bureau Services of Iowa Inc. compare to its peers?

How does Credit Bureau Services of Iowa Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Credit Bureau Services… National average
Complaints (last 12 mo)lower is better
13
12
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-07 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 20
Written notification about debt - 11
Took or threatened to take negative or legal action - 9
False statements or representation - 5
Threatened to contact someone or share information improperly - 1

Where do complaints against Credit Bureau Services of Iowa Inc. come from?

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

Top states by complaints against Credit Bureau Services of Iowa Inc.

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Credit Bureau Services of Iowa Inc. contacts you

A grade of D signals how Credit Bureau Services of Iowa Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Credit Bureau Services of Iowa Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Credit Bureau Services of Iowa Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Credit Bureau Services of Iowa Inc.? ▼

The most common issue consumers report about Credit Bureau Services of Iowa Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 46 complaints filed with the CFPB.

Are complaints against Credit Bureau Services of Iowa Inc. increasing or decreasing? ▼

Complaints against Credit Bureau Services of Iowa Inc. have been stable. The company received 13 complaints in the last 12 months.

What is Credit Bureau Services of Iowa Inc.'s reputation grade? ▼

Credit Bureau Services of Iowa Inc. has a reputation grade of D (score: 56.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Bureau Services of Iowa Inc. respond to consumer complaints? ▼

Credit Bureau Services of Iowa Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Credit Bureau Services of Iowa Inc. operate? ▼

Credit Bureau Services of Iowa Inc. has received CFPB complaints from consumers in 11 states, with the most complaints from Iowa (27 complaints).

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

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.