What is the most common complaint against Credit Consulting Services, Inc.?

The most common issue consumers report about Credit Consulting Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 79 complaints filed with the CFPB.

Are complaints against Credit Consulting Services, Inc. increasing or decreasing?

Complaints against Credit Consulting Services, Inc. are falling. The company received 6 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Consulting Services, Inc.'s reputation grade?

Credit Consulting Services, Inc. has a reputation grade of D (score: 50.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Consulting Services, Inc. respond to consumer complaints?

Credit Consulting Services, Inc. has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does Credit Consulting Services, Inc. operate?

Credit Consulting Services, Inc. has received CFPB complaints from consumers in 8 states, with the most complaints from California (67 complaints).

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

Credit Consulting Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

28
False statements or representation

13
Cont'd attempts collect debt not owed

11
Written notification about debt

7
Took or threatened to take negative or legal action

7
Communication tactics

5

Data updated September 2026

CFPB complaint disposition

CCDB record credit-consulting-services-inc Credit Consulting Services, Inc.

Grade D · 79 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #931 · compose #4093

VOL 79
GRADE D
12MO 6
STATES 8
TIMELY 91%
DISPUTE 38%
ISSUE Attempts to collect debt n…
RANK #931
COMPOSE #4,093

Volume peers

Nearest volume peer: American Credit Bureau, Inc. (79 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Consulting Services, Inc.'s 79 CFPB complaints sit next to American Credit Bureau, 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 →

State-heavy filing map

84.8% of Credit Consulting Services, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Credit Consulting Services, Inc. is volume #931 but composite #4,093, while California dominates the geography. Corpus placement method.

Dominant state: California 84.8%; 67 of 79 filings · 8 states touched
Seasonal peak: 2025-05 8.0%; 8–15% band · 4 filings
Divergent corpus ranks: #931 volume; #4,093 composite; Cleanest-composite ladder is 3,162 places worse than volume

How does Credit Consulting Services, Inc. compare to its peers?

How does Credit Consulting Services, 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 Consulting Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

99%

91%

Consumer-dispute ratelower is better

38%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	28
False statements or representation	13
Cont'd attempts collect debt not owed	11
Written notification about debt	7
Took or threatened to take negative or legal action	7
Communication tactics	5
Disclosure verification of debt	5
Taking/threatening an illegal action	2
Threatened to contact someone or share information improperly	1

Where do complaints against Credit Consulting Services, Inc. come from?

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

California

67
Georgia

3
Utah

2
Arizona

1
Nevada

1
Texas

1
Virginia

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Consulting Services, 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: 79.

4 peers

Know your rights before responding to Credit Consulting Services, 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.