Total CFPB complaints
486
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 486 complaints
Creditors Bureau Associates — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Creditors Bureau Associates
- Attempts to collect debt not owed
Attempts to collect debt not owed
231 complaints
- Written notification about debt
Written notification about debt
104 complaints
- Took or threatened to take negative or legal action 50
Took or threatened to take negative or legal action
50 complaints
- False statements or representation 46
False statements or representation
46 complaints
- Cont'd attempts collect debt not owed 20
Cont'd attempts collect debt not owed
20 complaints
- Communication tactics 8
Communication tactics
8 complaints
D
Grade D · 55.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Creditors Bureau Associates?
Creditors Bureau Associates has accumulated 486 total CFPB complaints across 22 states, with 108 filed in the most recent 12 months against 378 historical complaints before that window. The trailing-12-month volume represents 22.2% 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 100% timely-response rate against a 25% 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 22 states, led by Georgia with 351 and North Carolina with 34, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.6/100 places Creditors Bureau Associates 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
108
22.2% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
D
55.6/100 composite
Response-quality profile
How Creditors Bureau Associates performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Creditors Bureau Associates compare to its peers?
Creditors Bureau Assoc… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed231 (%)
Written notification about debt104 (%)
Took or threatened to take negative or legal action50 (%)
False statements or representation46 (%)
Cont'd attempts collect debt not owed20 (%)
Communication tactics8 (%)
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 | 132 |
| Attempts to collect debt not owed | Debt was result of identity theft | 76 |
| Written notification about debt | Didn't receive enough information to verify debt | 67 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 50 |
| False statements or representation | Attempted to collect wrong amount | 46 |
| Written notification about debt | Didn't receive notice of right to dispute | 37 |
| Attempts to collect debt not owed | Debt was paid | 23 |
| Cont'd attempts collect debt not owed | Debt is not mine | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 9 |
| Communication tactics | Frequent or repeated calls | 8 |
Where do complaints against Creditors Bureau Associates come from?
The states where consumers have filed the most CFPB complaints against Creditors Bureau Associates. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Creditors Bureau Associates
Across 22 states with at least one filing
- Georgia
Georgia
351 complaints
- North Carolina 34
North Carolina
34 complaints
- Alabama 32
Alabama
32 complaints
- Florida 20
Florida
20 complaints
- Texas 9
Texas
9 complaints
- South Carolina 7
South Carolina
7 complaints
- Tennessee 6
Tennessee
6 complaints
- Arizona 4
Arizona
4 complaints
Frequently Asked Questions
What is the most common complaint against Creditors Bureau Associates? ▼
The most common issue consumers report about Creditors Bureau Associates is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 486 complaints filed with the CFPB.
Are complaints against Creditors Bureau Associates increasing or decreasing? ▼
Complaints against Creditors Bureau Associates are rising. The company received 108 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Creditors Bureau Associates's reputation grade? ▼
Creditors Bureau Associates has a reputation grade of D (score: 55.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Creditors Bureau Associates respond to consumer complaints? ▼
Creditors Bureau Associates has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does Creditors Bureau Associates operate? ▼
Creditors Bureau Associates has received CFPB complaints from consumers in 22 states, with the most complaints from Georgia (351 complaints).
What can I do if Creditors Bureau Associates 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 Creditors Bureau Associates 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 |