CFPB · Single-product concentration
Cosmo Credit Repair
4 CFPB complaints · 75% in "Credit reporting, credit repair services, or other personal consumer reports" · top issue Excessive fees.
Cosmo Credit Repair: 75% of 4 CFPB complaints sit in "Credit reporting, credit repair services, or other personal consumer reports". Timely 0% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2018 to 2025
CFPB relief outcome brief
CCDB company cosmo-credit-repair
0% relief · 0% timely · 4 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Innovis (0% relief)
Cosmo Credit Repair closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cosmo Credit Repair complaint mix by product
- Credit reporting, 3 75.0% – 0% relief
- Debt or 1 25.0% – 0% relief
How Cosmo Credit Repair's 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Debt or credit management | 1 |
Concentrated filing states for Cosmo Credit Repair
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 75% of this company's filings
Cosmo Credit Repair complaints by year
Annual filing volume from the CFPB public database
- 2025
- 1
- 0% vs 2018
Top States
| State | Complaints |
|---|---|
| TX | 3 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Excessive fees | 2 |
| Didn't provide services promised | 1 |
| Confusing or misleading advertising or marketing | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 0% |
| 2019 | 1 | 0% |
| 2022 | 1 | 0% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Cosmo Credit Repair filings cluster in one product
Cosmo Credit Repair's 4 logged complaints stay concentrated: only 2 states show a filing. 75% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2025-12-07.
Cosmo Credit Repair answers 0% of complaints inside the CFPB's tracked window and closes 0% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Excessive fees."
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 Cosmo Credit Repair.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cosmo Credit Repair: 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: 4.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 0%.
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 Cosmo Credit Repair (0% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration