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

CFPB complaint data Grade D 517 complaints

Creditors Bureau Associates - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Creditors Bureau Associates

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 55.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Creditors Bureau Associates ranks ahead of 27% of the 5,283 collectors PlainCollector grades - 73% keep a cleaner CFPB record, on 517 all-time complaints and a 100% timely-response rate.

27th pct
reputation rank of 5,283 graded collectors
517
CFPB complaints, all-time
100%
answered inside the CFPB window
103
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Creditors Bureau Associates?

Creditors Bureau Associates has accumulated 517 total CFPB complaints across 22 states, with 103 filed in the most recent 12 months against 414 historical complaints before that window. The trailing-12-month volume represents 19.9% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 25% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Georgia with 376 and North Carolina with 36. Normalized against the full CFPB collector database, the reputation score of 55.6/100 places Creditors Bureau Associates in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

517

mid-volume (CCDB)

Last 12 months

103

19.9% of all-time complaints

Stable →

States active

22

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

25%

elevated (vertical avg ~19%)

Reputation grade

D

55.6/100 composite

How does Creditors Bureau Associates's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 27th percentile higher than 27% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Creditors Bureau Associates versus the debt-collection vertical average.

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) 25.0%
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?

How does Creditors Bureau Associates compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Creditors Bureau Assoc… National average
Complaints (last 12 mo)lower is better
103
81
268
Timely-response ratehigher is better
100%
93%
91%
Consumer-dispute ratelower is better
25%
10%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 251
Written notification about debt - 111
Took or threatened to take negative or legal action - 54
False statements or representation - 50
Cont'd attempts collect debt not owed - 23
Communication tactics - 15
Threatened to contact someone or share information improperly - 8
Disclosure verification of debt - 3
Electronic communications - 2

Where do complaints against Creditors Bureau Associates come from?

Creditors Bureau Associates's own per-state count, not a national baseline.

Top states by complaints against Creditors Bureau Associates

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Creditors Bureau Associates contacts you

A grade of D signals how Creditors Bureau Associates's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Creditors Bureau Associates and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Creditors Bureau Associates ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 517 complaints filed with the CFPB.

Are complaints against Creditors Bureau Associates increasing or decreasing? ▼

Complaints against Creditors Bureau Associates have been stable. The company received 103 complaints in the last 12 months.

What is Creditors Bureau Associates's reputation grade? ▼

Creditors Bureau Associates has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (376 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.