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

CFPB complaint data Grade C 71 complaints

Credit Solutions, LLC (KY) - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Complaints by issue type

What consumers report about Credit Solutions, LLC (KY)

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record credit-solutions-llc-ky Credit Solutions, LLC (KY)

Grade C · 71 CFPB filings · 97% timely · lead issue: Communication tactics

  • VOL 71
  • GRADE C
  • 12MO 5
  • STATES 19
  • TIMELY 97%
  • DISPUTE 21%
  • ISSUE Communication tactics
  • RANK #996
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Abbott Osborn Jacobs PLC (71 complaints)

Abbott Osborn Jacobs PLCAbbott Osborn Jacobs PLC71Alliant Credit UnionAlliant Credit Union71Asset Recovery Bureau LLCAsset Recovery Bureau LLC71Certegy Holdings, LLCCertegy Holdings, LLC71Credit Solutions, LLC (KY) (this)Credit Solutions, LLC (KY) (…71
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Solutions, LLC (KY)'s 71 CFPB complaints sit next to Abbott Osborn Jacobs PLC 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 →

How the 71 complaints break down

Every complaint issue type on record for Credit Solutions, LLC (KY), not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.5/100
Credit Solutions, LLC (KY)

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
71
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

Ohio is the plurality state for Credit Solutions, LLC (KY) (19.7%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Ohio 19.7%
Mid-band (15–30%) · 19 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2024-09 at 7.9% (3 filings)
Corpus ranks
#996 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Credit Solutions, LLC (KY) compare to its peers?

How does Credit Solutions, LLC (KY) 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 Solutions, LLC (KY) National average
Complaints (last 12 mo)lower is better
5
11
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
21%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Credit Solutions, LLC (KY) a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Credit Solutions, LLC (KY) vs. 6 similar-volume peers, by response speed and dispute rate Credit Solutions, LLC (KY)Leading Edge Recovery Solutions, LLCAbbott Osborn Jacobs PLCMalcolm S. Gerald and Associates, Inc.United Check Recovery Bureau, Inc.UNIVERSAL ACCEPTANCE CORPORATION (NE)Audit & Adjustment Co. Inc.
Source: CFPB Consumer Complaint Database

Credit Solutions, LLC (KY)'s complaint volume in context

Credit Solutions, LLC (KY) vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

71 Top 18% higher than 82% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Credit Solutions, LLC (KY) 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2022-05 2026-02

Issue Detail Breakdown

Issue Complaints
Communication tactics
18
Attempts to collect debt not owed
15
Cont'd attempts collect debt not owed
12
Disclosure verification of debt
8
Written notification about debt
7
False statements or representation
6
Threatened to contact someone or share information improperly
3
Took or threatened to take negative or legal action
2

Where do complaints against Credit Solutions, LLC (KY) come from?

Credit Solutions, LLC (KY)'s own per-state count, not a national baseline.

Top states by complaints against Credit Solutions, LLC (KY)

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Solutions, LLC (KY): 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: 71.

4 peers

Know your rights before responding to Credit Solutions, LLC (KY): 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.