Total CFPB complaints
190
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 190 complaints
Credit Service Company, INC — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Service Company, INC
- Attempts to collect debt not owed
Attempts to collect debt not owed
64 complaints
- Written notification about debt
Written notification about debt
51 complaints
- Cont'd attempts collect debt not owed 18
Cont'd attempts collect debt not owed
18 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Disclosure verification of debt 9
Disclosure verification of debt
9 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Service Company, INC?
Credit Service Company, INC has accumulated 190 total CFPB complaints across 23 states, with 24 filed in the most recent 12 months against 166 historical complaints before that window. The trailing-12-month volume represents 12.6% 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 99% timely-response rate against a 20% 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 23 states, led by Colorado with 78 and Texas with 64, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Credit Service Company, 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
24
12.6% of total history
Rising ↑
States active
23
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
58.9/100 composite
Response-quality profile
How Credit Service Company, INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Service Company, INC compare to its peers?
Credit Service Company… 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)
2023-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed64 (%)
Written notification about debt51 (%)
Cont'd attempts collect debt not owed18 (%)
False statements or representation11 (%)
Disclosure verification of debt9 (%)
Took or threatened to take negative or legal action8 (%)
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 | 41 |
| Written notification about debt | Didn't receive enough information to verify debt | 32 |
| Attempts to collect debt not owed | Debt was paid | 20 |
| Written notification about debt | Didn't receive notice of right to dispute | 19 |
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
Where do complaints against Credit Service Company, INC come from?
The states where consumers have filed the most CFPB complaints against Credit Service Company, INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Service Company, INC
Across 23 states with at least one filing
- Colorado
Colorado
78 complaints
- Texas
Texas
64 complaints
- New Mexico 8
New Mexico
8 complaints
- Florida 5
Florida
5 complaints
- California 4
California
4 complaints
- Georgia 3
Georgia
3 complaints
- Maryland 3
Maryland
3 complaints
- Missouri 3
Missouri
3 complaints
Frequently Asked Questions
What is the most common complaint against Credit Service Company, INC? ▼
The most common issue consumers report about Credit Service Company, INC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 190 complaints filed with the CFPB.
Are complaints against Credit Service Company, INC increasing or decreasing? ▼
Complaints against Credit Service Company, INC are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Service Company, INC's reputation grade? ▼
Credit Service Company, INC has a reputation grade of D (score: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Credit Service Company, INC respond to consumer complaints? ▼
Credit Service Company, INC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Credit Service Company, INC operate? ▼
Credit Service Company, INC has received CFPB complaints from consumers in 23 states, with the most complaints from Colorado (78 complaints).
What can I do if Credit Service Company, 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 Service Company, 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 |