Total CFPB complaints
99
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 99 complaints
Credit Counsel, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Counsel, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
39 complaints
- Communication tactics
Communication tactics
16 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
C
Grade C · 64.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Counsel, Inc.?
Credit Counsel, Inc. has accumulated 99 total CFPB complaints across 20 states, with 24 filed in the most recent 12 months against 75 historical complaints before that window. The trailing-12-month volume represents 24.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 96% timely-response rate against a 0% 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 20 states, led by Florida with 50 and Georgia with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.5/100 places Credit Counsel, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24
24.2% of total history
Rising ↑
States active
20
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.5/100 composite
Response-quality profile
How Credit Counsel, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 35.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Counsel, Inc. compare to its peers?
Credit Counsel, Inc. 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)
2023-02 2026-03
Top Consumer Issues
Attempts to collect debt not owed39 (%)
False statements or representation13 (%)
Communication tactics16 (%)
Took or threatened to take negative or legal action8 (%)
Written notification about debt5 (%)
Cont'd attempts collect debt not owed3 (%)
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 | 28 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Communication tactics | Used obscene, profane, or other abusive language | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
Where do complaints against Credit Counsel, Inc. come from?
The states where consumers have filed the most CFPB complaints against Credit Counsel, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Counsel, Inc.
Across 20 states with at least one filing
- Florida
Florida
50 complaints
- Georgia 9
Georgia
9 complaints
- California 7
California
7 complaints
- Indiana 4
Indiana
4 complaints
- Michigan 3
Michigan
3 complaints
- South Carolina 3
South Carolina
3 complaints
- Texas 3
Texas
3 complaints
- Illinois 3
Illinois
3 complaints
Frequently Asked Questions
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 99 complaints filed with the CFPB.
Are complaints against Credit Counsel, Inc. increasing or decreasing? ▼
Complaints against Credit Counsel, Inc. are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Counsel, Inc.'s reputation grade? ▼
Credit Counsel, Inc. has a reputation grade of C (score: 64.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 20 states, with the most complaints from Florida (50 complaints).
What can I do if Credit Counsel, 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 Counsel, 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 |