Total CFPB complaints
15
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 15 complaints
Goldstein, Cruise and Smith LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Goldstein, Cruise and Smith LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
6 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
F
Grade F · 50.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Goldstein, Cruise and Smith LLC?
Goldstein, Cruise and Smith LLC has accumulated 15 total CFPB complaints across 13 states, with 0 filed in the most recent 12 months against 15 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 "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 33% timely-response rate against a 7% 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 13 states, led by Texas with 3 and Illinois 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 50.8/100 places Goldstein, Cruise and Smith LLC in grade band F, 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
13
Distinct state filings
Timely response rate
33%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
F
50.8/100 composite
Response-quality profile
How Goldstein, Cruise and Smith LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 33.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 14.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Goldstein, Cruise and Smith LLC compare to its peers?
Goldstein, Cruise and … 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)
2015-07 2019-04
Top Consumer Issues
Taking/threatening an illegal action6 (%)
Communication tactics2 (%)
Improper contact or sharing of info2 (%)
False statements or representation2 (%)
Cont'd attempts collect debt not owed2 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 5 |
| Communication tactics | Frequent or repeated calls | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| False statements or representation | Impersonated an attorney or official | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against Goldstein, Cruise and Smith LLC come from?
The states where consumers have filed the most CFPB complaints against Goldstein, Cruise and Smith LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Goldstein, Cruise and Smith LLC
Across 13 states with at least one filing
- Texas
Texas
3 complaints
- Illinois 1
Illinois
1 complaints
- Nevada 1
Nevada
1 complaints
- Rhode Island 1
Rhode Island
1 complaints
- Washington 1
Washington
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Missouri 1
Missouri
1 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Goldstein, Cruise and Smith LLC's reputation grade? ▼
Goldstein, Cruise and Smith LLC has a reputation grade of F (score: 50.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Goldstein, Cruise and Smith LLC 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 Goldstein, Cruise and Smith LLC 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 |