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

CFPB complaint data Grade D 277 complaints

Credit Bureau Systems, Inc., Paducah, KY Branch - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade D.

Complaints by issue type

What consumers report about Credit Bureau Systems, Inc., Paducah, KY Branch

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

Data updated September 2026

CFPB complaint disposition

CCDB record credit-bureau-systems-inc-paducah-ky-branch Credit Bureau Systems, Inc., Paducah, KY Branch

Grade D · 277 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #422 · compose #101

  • VOL 277
  • GRADE D
  • 12MO 74
  • STATES 24
  • TIMELY 100%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #422
  • COMPOSE #101

Volume peers

Nearest volume peer: Credit Fresh Holdings Inc (280 complaints)

First Portfolio Servicing IncFirst Portfolio Servicing Inc274Credit Bureau Systems, Inc., Paducah, KY Branch (this)Credit Bureau Systems, Inc.,…277Credit Fresh Holdings IncCredit Fresh Holdings Inc280Persolve, LLC - Legal - Series 2Persolve, LLC - Legal - Seri…280Tate and Kirlin AssocTate and Kirlin Assoc280
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Bureau Systems, Inc., Paducah, KY Branch's 277 CFPB complaints sit next to Credit Fresh Holdings Inc 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 277 complaints break down

Every complaint issue type on record for Credit Bureau Systems, Inc., Paducah, KY Branch, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.6/100
Credit Bureau Systems, Inc., Paducah, KY Branch

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
277
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
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

37.2% of Credit Bureau Systems, Inc., Paducah, KY Branch's CFPB filings land in Kentucky

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

Dominant state
Kentucky 37.2%
103 of 277 filings · 24 states touched
Seasonal peak
2025-12 14.8%
8–15% band · 8 filings
Corpus ranks
#422 volume
#101 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Credit Bureau Systems, Inc., Paducah, KY Branch compare to its peers?

How does Credit Bureau Systems, Inc., Paducah, KY Branch 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 Systems, Inc., Paducah, KY Branch National average
Complaints (last 12 mo)lower is better
74
31
268
Timely-response ratehigher is better
100%
81%
91%
Consumer-dispute ratelower is better
18%
16%
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 Systems, Inc., Paducah, KY Branch a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Credit Bureau Systems, Inc., Paducah, KY Branch vs. 8 similar-volume peers, by response speed and dispute rate Credit Bureau Systems, Inc., Paducah, KY BranchTate and Kirlin AssocPersolve, LLC - Legal - Series 2Telerecovery CorporationJavitch, Block & Rathbone LLCCredit Service International CorpProfessional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO BranchKey 2 Recovery, Inc.Perfection Collection
Source: CFPB Consumer Complaint Database

Credit Bureau Systems, Inc., Paducah, KY Branch's complaint volume in context

Credit Bureau Systems, Inc., Paducah, KY Branch 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)

277 Top 8% higher than 92% 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%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Credit Bureau Systems, Inc., Paducah, KY Branch 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 →
2023-05 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
88
Written notification about debt
64
False statements or representation
46
Took or threatened to take negative or legal action
34
Communication tactics
14
Disclosure verification of debt
11
Cont'd attempts collect debt not owed
10
Threatened to contact someone or share information improperly
5
Improper contact or sharing of info
5

Where do complaints against Credit Bureau Systems, Inc., Paducah, KY Branch come from?

Credit Bureau Systems, Inc., Paducah, KY Branch's own per-state count, not a national baseline.

Top states by complaints against Credit Bureau Systems, Inc., Paducah, KY Branch

Across 24 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 Systems, Inc., Paducah, KY Branch: 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: 277.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.61685823754789%.

4 peers

Know your rights before responding to Credit Bureau Systems, Inc., Paducah, KY Branch: 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.