Total CFPB complaints
78
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 78 complaints
Credit Consulting Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Consulting Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
26 complaints
- False statements or representation
False statements or representation
12 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
11 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- Communication tactics 3
Communication tactics
3 complaints
D
Grade D · 54.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Consulting Services, Inc.?
Credit Consulting Services, Inc. has accumulated 78 total CFPB complaints across 8 states, with 6 filed in the most recent 12 months against 72 historical complaints before that window. The trailing-12-month volume represents 7.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 38% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 8 states, led by California with 66 and Georgia with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.3/100 places Credit Consulting Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
7.7% of total history
Falling ↓
States active
8
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
D
54.3/100 composite
Response-quality profile
How Credit Consulting Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 75.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Consulting Services, Inc. compare to its peers?
Credit Consulting Serv… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2020-07 2026-01
Top Consumer Issues
Attempts to collect debt not owed26 (%)
False statements or representation12 (%)
Cont'd attempts collect debt not owed11 (%)
Written notification about debt4 (%)
Took or threatened to take negative or legal action4 (%)
Communication tactics3 (%)
Disclosure verification of debt2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 17 |
| False statements or representation | Attempted to collect wrong amount | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
Where do complaints against Credit Consulting Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Credit Consulting Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Consulting Services, Inc.
Across 8 states with at least one filing
- California
California
66 complaints
- Georgia 3
Georgia
3 complaints
- Utah 2
Utah
2 complaints
- Nevada 1
Nevada
1 complaints
- Texas 1
Texas
1 complaints
- Virginia 1
Virginia
1 complaints
- Arizona 1
Arizona
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
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 78 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: 54.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (66 complaints).
What can I do if Credit Consulting Services, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit Consulting Services, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |