CFPB · Narrative-heavy record
Credit Concepts, Inc.
64 CFPB complaints · 57.8% with narratives · top issue Incorrect information on your report.
Credit Concepts, Inc.: 57.8% of 64 filings include consumer narratives. Timely 92.2% · relief 4.7% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +50% filings 2015 to 2026
CFPB relief outcome brief
CCDB company credit-concepts-inc
4.7% relief · 92.2% timely · 64 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: American Credit Acceptance, LLC (4.7% relief)
Credit Concepts, Inc. closes 4.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Credit Concepts, Inc.'s 64 filings include narrative text
57.8% 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.
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 |
Concentrated filing states for Credit Concepts, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- WA
- 54.7% of this company's filings
Credit Concepts, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +50% vs 2015
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
Credit Concepts, Inc.'s narrative-rich complaint ledger
Credit Concepts, Inc.'s 64 logged complaints stay concentrated: only 11 states show a filing. 57.8% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credit Concepts, 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: 64.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92.2%.
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 Credit Concepts, Inc. (92.2% timely; 4.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record