Total CFPB complaints
7
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 7 complaints
Millennium Credit Consultants Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Millennium Credit Consultants Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- Written notification about debt
Written notification about debt
1 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Communication tactics
Communication tactics
1 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Millennium Credit Consultants Inc.?
Millennium Credit Consultants Inc. has accumulated 7 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 7 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 "Cont'd attempts collect debt not owed", narrowing to "Debt resulted from identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 43% timely-response rate against a 17% 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 4 states, led by Minnesota with 4 and Kansas 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 56.3/100 places Millennium Credit Consultants 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
4
Distinct state filings
Timely response rate
43%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.3/100 composite
Response-quality profile
How Millennium Credit Consultants Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 42.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Millennium Credit Consultants Inc. compare to its peers?
Millennium Credit Cons… 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)
2014-09 2020-06
Top Consumer Issues
Cont'd attempts collect debt not owed2 (%)
Disclosure verification of debt2 (%)
Written notification about debt1 (%)
Taking/threatening an illegal action1 (%)
Communication tactics1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Threatened to take legal action | 1 |
Where do complaints against Millennium Credit Consultants Inc. come from?
The states where consumers have filed the most CFPB complaints against Millennium Credit Consultants Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Millennium Credit Consultants Inc.
Across 4 states with at least one filing
- Minnesota
Minnesota
4 complaints
- Kansas 1
Kansas
1 complaints
- Indiana 1
Indiana
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Millennium Credit Consultants Inc.? ▼
The most common issue consumers report about Millennium Credit Consultants Inc. is "Cont'd attempts collect debt not owed", specifically "Debt resulted from identity theft". This is based on 7 complaints filed with the CFPB.
Are complaints against Millennium Credit Consultants Inc. increasing or decreasing? ▼
Complaints against Millennium Credit Consultants Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Millennium Credit Consultants Inc.'s reputation grade? ▼
Millennium Credit Consultants Inc. has a reputation grade of D (score: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Millennium Credit Consultants Inc. respond to consumer complaints? ▼
Millennium Credit Consultants Inc. has a 43% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Millennium Credit Consultants Inc. operate? ▼
Millennium Credit Consultants Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Minnesota (4 complaints).
What can I do if Millennium Credit Consultants 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 Millennium Credit Consultants 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 |