Consumer Portfolio Services, Inc.
3.7K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Consumer Portfolio Services, Inc.
Consumer Portfolio Services, Inc.'s 3,679 logged complaints reach a nationwide footprint - 52 states have at least one filing on record. Only 39% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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..
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.
Frequently Asked Questions
How many CFPB complaints does Consumer Portfolio Services, Inc. have?
3,679, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Consumer Portfolio Services, Inc. respond to complaints on time?
99.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Consumer Portfolio Services, Inc.?
"Improper use of your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.