Cosmo Credit Repair
4 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Cosmo Credit Repair
Cosmo Credit Repair's 4 logged complaints stay concentrated: only 2 states show a filing on record. 75% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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 Cosmo Credit Repair have?
4, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Cosmo Credit Repair respond to complaints on time?
0% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Cosmo Credit Repair?
"Excessive fees", filed under the "Credit reporting, credit repair services, 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.