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

Data updated July 2026

D

Grade D · 58.4/100 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 Systems, Inc., Paducah, KY Branch ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 277 all-time complaints and a 100% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
277
CFPB complaints, all-time
100%
answered inside the CFPB window
74
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 Systems, Inc., Paducah, KY Branch?

Credit Bureau Systems, Inc., Paducah, KY Branch has accumulated 277 total CFPB complaints across 24 states, with 74 filed in the most recent 12 months against 203 historical complaints before that window. The trailing-12-month volume represents 26.7% 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 "Debt is not yours". The company posts a 100% timely-response rate against a 18% consumer-dispute-after-response rate.

Complaints have been recorded across 24 states, led by Kentucky with 103 and Missouri with 46. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places Credit Bureau Systems, Inc., Paducah, KY Branch in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

277

mid-volume (CCDB)

Last 12 months

74

26.7% of all-time complaints

Stable →

States active

24

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

18%

average (vertical avg ~19%)

Reputation grade

D

58.4/100 composite

How does Credit Bureau Systems, Inc., Paducah, KY Branch's reputation rank nationally?

Reputation score vs. every graded collector

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

58 36th percentile higher than 36% 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 Systems, Inc., Paducah, KY Branch versus the debt-collection vertical average.

Timely response within SLA 99.6%
Vertical avg

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

Consumer dispute rate (post-response) 18.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 42.9%

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

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, drawn from 10 collectors with a comparable complaint count
Credit Bureau Systems,… 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.

Complaint Trend (24 months)

2023-05 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Credit Bureau Systems, Inc., Paducah, KY Branch contacts you

A grade of D signals how Credit Bureau Systems, Inc., Paducah, KY Branch'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 Systems, Inc., Paducah, KY Branch 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 Systems, Inc., Paducah, KY Branch 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 Systems, Inc., Paducah, KY Branch? ▼

The most common issue consumers report about Credit Bureau Systems, Inc., Paducah, KY Branch is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 277 complaints filed with the CFPB.

Are complaints against Credit Bureau Systems, Inc., Paducah, KY Branch increasing or decreasing? ▼

Complaints against Credit Bureau Systems, Inc., Paducah, KY Branch have been stable. The company received 74 complaints in the last 12 months.

What is Credit Bureau Systems, Inc., Paducah, KY Branch's reputation grade? ▼

Credit Bureau Systems, Inc., Paducah, KY Branch has a reputation grade of D (score: 58.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Bureau Systems, Inc., Paducah, KY Branch respond to consumer complaints? ▼

Credit Bureau Systems, Inc., Paducah, KY Branch has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Credit Bureau Systems, Inc., Paducah, KY Branch operate? ▼

Credit Bureau Systems, Inc., Paducah, KY Branch has received CFPB complaints from consumers in 24 states, with the most complaints from Kentucky (103 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.