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

The most common issue consumers report about Credit Counsel, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 106 complaints filed with the CFPB.

Are complaints against Credit Counsel, Inc. increasing or decreasing?

Complaints against Credit Counsel, Inc. have been stable. The company received 28 complaints in the last 12 months.

What is Credit Counsel, Inc.'s reputation grade?

Credit Counsel, Inc. has a reputation grade of C (score: 61.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Counsel, Inc. respond to consumer complaints?

Credit Counsel, Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Credit Counsel, Inc. operate?

Credit Counsel, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from Florida (55 complaints).

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

Credit Counsel, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

43
Communication tactics

18
False statements or representation

14
Took or threatened to take negative or legal action

11
Written notification about debt

6
Cont'd attempts collect debt not owed

6

Data updated September 2026

CFPB complaint disposition

CCDB record credit-counsel-inc Credit Counsel, Inc.

Grade C · 106 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #796 · compose #2172

VOL 106
GRADE C
12MO 28
STATES 21
TIMELY 96%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #796
COMPOSE #2,172

Volume peers

Nearest volume peer: C/C Financial (106 complaints)

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

Credit Counsel, Inc.'s 106 CFPB complaints sit next to C/C Financial 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

51.9% of Credit Counsel, Inc.'s CFPB filings land in Florida

High volume does not equal a clean composite: Credit Counsel, Inc. is volume #796 but composite #2,172, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 51.9%; 55 of 106 filings · 21 states touched
Seasonal peak: 2025-04 9.6%; 8–15% band · 5 filings
Divergent corpus ranks: #796 volume; #2,172 composite; Cleanest-composite ladder is 1,376 places worse than volume

How does Credit Counsel, Inc. compare to its peers?

How does Credit Counsel, 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 Counsel, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

97%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	43
Communication tactics	18
False statements or representation	14
Took or threatened to take negative or legal action	11
Written notification about debt	6
Cont'd attempts collect debt not owed	6
Threatened to contact someone or share information improperly	4
Disclosure verification of debt	3
Electronic communications	1

Where do complaints against Credit Counsel, Inc. come from?

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

Florida

55
Georgia

9
California

7
Indiana

4
Illinois

3
Michigan

3
North Carolina

3
South Carolina

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Counsel, 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: 106.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.95959595959596%.

4 peers

Know your rights before responding to Credit Counsel, 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.