Credit Concepts, Inc.
64 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.
Credit Concepts, Inc. complaint mix by product
- Vehicle loan 24 37.5% – 8% relief
- Debt collection 12 18.8% – 8% relief
- Credit reporting, 12 18.8% – 0% relief
- Credit reporting 12 18.8% – 0% relief
- Consumer Loan 3 4.7% – 0% relief
- Credit reporting 1 1.6% – 0% relief
How Credit Concepts, Inc.'s 64 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 24 |
| Debt collection | 12 |
| Credit reporting, credit repair services, or other personal consumer reports | 12 |
| Credit reporting or other personal consumer reports | 12 |
| Consumer Loan | 3 |
| Credit reporting | 1 |
Top States
| State | Complaints |
|---|---|
| WA | 35 |
| OR | 12 |
| NV | 6 |
| GA | 3 |
| CA | 2 |
| NY | 1 |
| FL | 1 |
| MT | 1 |
| TX | 1 |
| CO | 1 |
| AR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 16 |
| Managing the loan or lease | 10 |
| Improper use of your report | 7 |
| Repossession | 6 |
| Threatened to contact someone or share information improperly | 3 |
| Attempts to collect debt not owed | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Problems when you are unable to pay | 2 |
| Took or threatened to take negative or legal action | 2 |
| False statements or representation | 2 |
| Struggling to pay your loan | 2 |
| Written notification about debt | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problems at the end of the loan or lease | 1 |
| Getting a loan or lease | 1 |
| Problem with fraud alerts or security freezes | 1 |
| Improper use of my credit report | 1 |
| Taking out the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 1 | 100% |
| 2017 | 3 | 100% |
| 2018 | 8 | 75% |
| 2019 | 3 | 100% |
| 2020 | 2 | 100% |
| 2021 | 6 | 83.3% |
| 2022 | 6 | 100% |
| 2023 | 11 | 100% |
| 2024 | 7 | 85.7% |
| 2025 | 12 | 91.7% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Credit Concepts, Inc.
Credit Concepts, Inc.'s 64 logged complaints stay concentrated: only 11 states show a filing on record. 57.8% 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 2015 through 2026-02-13.
Credit Concepts, Inc. answers 92.2% of complaints inside the CFPB's tracked window and closes 95.3% with a written explanation. 4.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on 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 Credit Concepts, 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 Credit Concepts, Inc. have?
64, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Credit Concepts, Inc. respond to complaints on time?
92.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Credit Concepts, Inc.?
"Incorrect information on your report", filed under the "Vehicle loan or lease" 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.