Total CFPB complaints
70
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 70 complaints
Credit Solutions, LLC (KY) — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Solutions, LLC (KY)
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- Communication tactics
Communication tactics
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
12 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
C
Grade C · 61.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Credit Solutions, LLC (KY)?
Credit Solutions, LLC (KY) has accumulated 70 total CFPB complaints across 19 states, with 4 filed in the most recent 12 months against 66 historical complaints before that window. The trailing-12-month volume represents 5.7% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 21% 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 19 states, led by Ohio with 14 and Florida with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places Credit Solutions, LLC (KY) 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
4
5.7% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
C
61.0/100 composite
Response-quality profile
How Credit Solutions, LLC (KY) performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 41.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Solutions, LLC (KY) compare to its peers?
Credit Solutions, LLC … 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)
2017-08 2026-01
Top Consumer Issues
Cont'd attempts collect debt not owed12 (%)
Attempts to collect debt not owed14 (%)
Communication tactics13 (%)
Disclosure verification of debt5 (%)
False statements or representation5 (%)
Written notification about debt3 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Communication tactics | Frequent or repeated calls | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
| Disclosure verification of debt | Right to dispute notice not received | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Credit Solutions, LLC (KY) come from?
The states where consumers have filed the most CFPB complaints against Credit Solutions, LLC (KY). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Solutions, LLC (KY)
Across 19 states with at least one filing
- Ohio
Ohio
14 complaints
- Florida
Florida
12 complaints
- Tennessee
Tennessee
11 complaints
- North Carolina
North Carolina
7 complaints
- New York 4
New York
4 complaints
- Texas 3
Texas
3 complaints
- Georgia 3
Georgia
3 complaints
- Arkansas 2
Arkansas
2 complaints
Frequently Asked Questions
What is the most common complaint against Credit Solutions, LLC (KY)? ▼
The most common issue consumers report about Credit Solutions, LLC (KY) is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 70 complaints filed with the CFPB.
Are complaints against Credit Solutions, LLC (KY) increasing or decreasing? ▼
Complaints against Credit Solutions, LLC (KY) are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Solutions, LLC (KY)'s reputation grade? ▼
Credit Solutions, LLC (KY) has a reputation grade of C (score: 61.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Credit Solutions, LLC (KY) respond to consumer complaints? ▼
Credit Solutions, LLC (KY) has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.
In how many states does Credit Solutions, LLC (KY) operate? ▼
Credit Solutions, LLC (KY) has received CFPB complaints from consumers in 19 states, with the most complaints from Ohio (14 complaints).
What can I do if Credit Solutions, LLC (KY) 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 Solutions, LLC (KY) 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 |