What is the most common complaint against Goldstein, Cruise and Smith LLC?

The most common issue consumers report about Goldstein, Cruise and Smith LLC is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 15 complaints filed with the CFPB.

Are complaints against Goldstein, Cruise and Smith LLC increasing or decreasing?

Complaints against Goldstein, Cruise and Smith LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Goldstein, Cruise and Smith LLC's reputation grade?

Goldstein, Cruise and Smith LLC has a reputation grade of F (score: 46.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Goldstein, Cruise and Smith LLC respond to consumer complaints?

Goldstein, Cruise and Smith LLC has a 33% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Goldstein, Cruise and Smith LLC operate?

Goldstein, Cruise and Smith LLC has received CFPB complaints from consumers in 13 states, with the most complaints from Texas (3 complaints).

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

Goldstein, Cruise and Smith LLC - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade F.

Compiled by PlainCollector

Taking/threatening an illegal action

6
False statements or representation

2
Communication tactics

2
Cont'd attempts collect debt not owed

2
Improper contact or sharing of info

2
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record goldstein-cruise-and-smith-llc Goldstein, Cruise and Smith LLC

Grade F · 15 CFPB filings · 33% timely · lead issue: Taking/threatening an illegal action · vol #2135 · compose #4445

VOL 15
GRADE F
12MO 0
STATES 13
TIMELY 33%
DISPUTE 7%
ISSUE Taking/threatening an ille…
RANK #2,135
COMPOSE #4,445

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Goldstein, Cruise and Smith LLC's 15 CFPB complaints sit next to Accounts Advocate Agency 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 →

Filing geometry

Texas is the plurality state for Goldstein, Cruise and Smith LLC (20.0%)

Volume rank #2,135 and composite rank #4,445 diverge by 2,310 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 20.0%; Mid-band (15–30%) · 13 states with ≥1 filing
Seasonal peak: 2023-01 11.5%; 8–15% band · 6 filings
Divergent corpus ranks: #2,135 volume; #4,445 composite; Cleanest-composite ladder is 2,310 places worse than volume

How does Goldstein, Cruise and Smith LLC compare to its peers?

How does Goldstein, Cruise and Smith LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Goldstein, Cruise and … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

33%

93%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-08 2024-03

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	6
False statements or representation	2
Communication tactics	2
Cont'd attempts collect debt not owed	2
Improper contact or sharing of info	2
Threatened to contact someone or share information improperly	1

Where do complaints against Goldstein, Cruise and Smith LLC come from?

Goldstein, Cruise and Smith LLC's own per-state count, not a national baseline.

Texas

3
Florida

1
Illinois

1
Iowa

1
Missouri

1
Nevada

1
New Jersey

1
Ohio

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Goldstein, Cruise and Smith LLC: 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: 15.

4 peers

Know your rights before responding to Goldstein, Cruise and Smith LLC: 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.