CFPB · Diversified product mix
Credible Labs Inc.
37 CFPB complaints · diversified mix (top product 21.6%) · top issue Improper use of your report.
Credible Labs Inc.: top product "Payday loan, title loan, or personal loan" is only 21.6% of 37 - multi-bucket mix. Timely 89.2% · relief 21.6%. Allegations, not findings.
- Diversified product mix
- 0% filings 2018 to 2026
CFPB relief outcome brief
CCDB company credible-labs-inc
21.6% relief · 89.2% timely · 37 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Service Finance Holdings, LLC (22.4% relief)
Credible Labs Inc. closes 21.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Credible Labs Inc.'s 37 filings include narrative text
48.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Credible Labs Inc. complaint mix by product
- Payday loan, 8 21.6% – 25% relief
- Credit reporting, 8 21.6% – 13% relief
- Payday loan, 6 16.2% – 17% relief
- Credit reporting 5 13.5% – 20% relief
- Mortgage 5 13.5% – 20% relief
- Student loan 4 10.8% – 50% relief
- Debt or 1 2.7% – 0% relief
How Credible Labs Inc.'s 37 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Payday loan, title loan, personal loan, or advance loan | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Mortgage | 5 |
| Student loan | 4 |
| Debt or credit management | 1 |
Where Credible Labs Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 10.8% of this company's filings
Credible Labs Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2018
Top States
| State | Complaints |
|---|---|
| TX | 4 |
| VA | 4 |
| OH | 3 |
| IL | 3 |
| NC | 3 |
| CA | 3 |
| NJ | 3 |
| DC | 2 |
| NY | 2 |
| AZ | 2 |
| PA | 2 |
| DE | 2 |
| SC | 1 |
| NV | 1 |
| OR | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 8 |
| Getting the loan | 6 |
| Getting a line of credit | 5 |
| Applying for a mortgage or refinancing an existing mortgage | 5 |
| Incorrect information on your report | 4 |
| Getting a loan | 3 |
| Didn't provide services promised | 1 |
| Dealing with your lender or servicer | 1 |
| Loan payment wasn't credited to your account | 1 |
| Was approved for a loan, but didn't receive the money | 1 |
| Charged fees or interest you didn't expect | 1 |
| Problem with fraud alerts or security freezes | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 100% |
| 2019 | 2 | 100% |
| 2020 | 2 | 0% |
| 2021 | 9 | 100% |
| 2022 | 5 | 100% |
| 2023 | 6 | 83.3% |
| 2024 | 7 | 100% |
| 2025 | 4 | 75% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Credible Labs Inc. spreads across product buckets
Credible Labs Inc.'s 37 logged complaints stay concentrated: only 16 states show a filing. 48.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2026-01-13.
Credible Labs Inc. answers 89.2% of complaints inside the CFPB's tracked window and closes 78.4% with a written explanation. 21.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" 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 Credible Labs Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credible Labs 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: 37.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 89.2%.
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 Credible Labs Inc. (89.2% timely; 21.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix