Total CFPB complaints
13
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 13 complaints
Creditors Service Bureau Inc — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Creditors Service Bureau Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 58.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Creditors Service Bureau Inc?
Creditors Service Bureau Inc has accumulated 13 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 0.0% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 60% 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 3 states, led by Kansas with 11 and Florida with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.8/100 places Creditors Service Bureau 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
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
60%
After company response
Reputation grade
D
58.8/100 composite
Response-quality profile
How Creditors Service Bureau Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Creditors Service Bureau Inc compare to its peers?
Creditors Service Bure… 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)
2014-08 2020-01
Top Consumer Issues
Attempts to collect debt not owed7 (%)
Disclosure verification of debt3 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
Written notification about debt1 (%)
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 | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
Where do complaints against Creditors Service Bureau Inc come from?
The states where consumers have filed the most CFPB complaints against Creditors Service Bureau Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Creditors Service Bureau Inc
Across 3 states with at least one filing
- Kansas
Kansas
11 complaints
- Florida 1
Florida
1 complaints
- Missouri 1
Missouri
1 complaints
Frequently Asked Questions
What is the most common complaint against Creditors Service Bureau Inc? ▼
The most common issue consumers report about Creditors Service Bureau Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 13 complaints filed with the CFPB.
Are complaints against Creditors Service Bureau Inc increasing or decreasing? ▼
Complaints against Creditors Service Bureau Inc have been stable. The company received 0 complaints in the last 12 months.
What is Creditors Service Bureau Inc's reputation grade? ▼
Creditors Service Bureau Inc has a reputation grade of D (score: 58.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Creditors Service Bureau Inc respond to consumer complaints? ▼
Creditors Service Bureau Inc has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 60% of cases.
In how many states does Creditors Service Bureau Inc operate? ▼
Creditors Service Bureau Inc has received CFPB complaints from consumers in 3 states, with the most complaints from Kansas (11 complaints).
What can I do if Creditors Service Bureau 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 Creditors Service Bureau 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 |