CFPB · Diversified product mix
Consumer Portfolio Services, Inc.
3.7K CFPB complaints · diversified mix (top product 34.7%) · top issue Improper use of your report.
Consumer Portfolio Services, Inc.: top product "Credit reporting or other personal consumer reports" is only 34.7% of 3.7K - multi-bucket mix. Timely 99.7% · relief 0.8%. Allegations, not findings.
- Diversified product mix
- +12575% filings 2012 to 2026
CFPB relief outcome brief
CCDB company consumer-portfolio-services-inc
0.8% relief · 99.7% timely · 3.7K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Pending Company Match (0.8% relief)
Consumer Portfolio Services, Inc. closes 0.8% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Consumer Portfolio Services, Inc. scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (4/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
4 / 100 percentile-benchmarked
0.8% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
98 / 100 percentile-benchmarked
99% of complaints closed with an explanation to the consumer
How 3.7K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Consumer Portfolio Services, Inc. complaint mix by product
- Credit reporting 1K 34.8% – 0% relief
- Vehicle loan 770 21.0% – 1% relief
- Credit reporting, 708 19.3% – 0% relief
- Debt collection 666 18.2% – 1% relief
- Consumer Loan 230 6.3% – 7% relief
- Credit reporting 7 0.2% – 0% relief
- Payday loan, 6 0.2% – 0% relief
How Consumer Portfolio Services, Inc.'s 3.7K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 1.3K |
| Vehicle loan or lease | 770 |
| Credit reporting, credit repair services, or other personal consumer reports | 708 |
| Debt collection | 666 |
| Consumer Loan | 230 |
| Credit reporting | 7 |
| Payday loan, title loan, or personal loan | 6 |
| Credit card or prepaid card | 3 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Debt or credit management | 3 |
| Credit card | 2 |
| Mortgage | 2 |
| Bank account or service | 2 |
| Checking or savings account | 1 |
Nationwide filing states for Consumer Portfolio Services, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 9.8% of this company's filings
Consumer Portfolio Services, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 507
- +12575% vs 2012
Volume vs. relief
Where Consumer Portfolio Services, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Consumer Portfolio Services, Inc. files more complaint volume than 58% of them, and closes complaints with relief more often than 38% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 3,679 · Closed with relief: 0.8%
Top States
| State | Complaints |
|---|---|
| TX | 362 |
| GA | 315 |
| CA | 265 |
| FL | 256 |
| IL | 247 |
| PA | 228 |
| OH | 190 |
| MD | 159 |
| VA | 153 |
| NC | 140 |
| MI | 117 |
| AL | 105 |
| NY | 101 |
| NJ | 84 |
| IN | 84 |
| LA | 75 |
| MO | 75 |
| SC | 72 |
| TN | 62 |
| AZ | 57 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 1.2K |
| Incorrect information on your report | 642 |
| Managing the loan or lease | 369 |
| Attempts to collect debt not owed | 235 |
| Problem with a company's investigation into an existing problem | 139 |
| Repossession | 128 |
| Struggling to pay your loan | 119 |
| Getting a loan or lease | 118 |
| Took or threatened to take negative or legal action | 117 |
| Problem with a credit reporting company's investigation into an existing problem | 106 |
| Written notification about debt | 90 |
| Problems when you are unable to pay | 83 |
| False statements or representation | 77 |
| Communication tactics | 75 |
| Problems at the end of the loan or lease | 68 |
| Threatened to contact someone or share information improperly | 23 |
| Cont'd attempts collect debt not owed | 21 |
| Taking out the loan or lease | 20 |
| Credit monitoring or identity theft protection services | 14 |
| Electronic communications | 10 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 4 | 50% |
| 2013 | 25 | 100% |
| 2014 | 53 | 100% |
| 2015 | 93 | 97.8% |
| 2016 | 81 | 100% |
| 2017 | 125 | 98.4% |
| 2018 | 141 | 100% |
| 2019 | 146 | 99.3% |
| 2020 | 181 | 99.4% |
| 2021 | 228 | 100% |
| 2022 | 254 | 99.6% |
| 2023 | 391 | 99.5% |
| 2024 | 551 | 100% |
| 2025 | 899 | 99.9% |
| 2026 | 507 | 100% |
Source: CFPB Consumer Complaint Database
Consumer Portfolio Services, Inc. spreads across product buckets
Consumer Portfolio Services, Inc.'s 3,679 logged complaints reach a nationwide footprint - 52 states have at least one filing. Only 39% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2012 through 2026-06-25.
Consumer Portfolio Services, Inc. answers 99.7% of complaints inside the CFPB's tracked window and closes 99% with a written explanation. 0.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Improper use of your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Consumer Portfolio Services, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Consumer Portfolio Services, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.7K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Consumer Portfolio Services, Inc. (#145 of 342; 99.7% timely; 0.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix