Total complaints
48
Filed since 2015
2026 data Public-data reference. official source
CREDIT CONCEPTS, INC.
48 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
48 consumer complaints filed with the CFPB
This profile shows CREDIT CONCEPTS, INC.'s complaint history from CFPB public records. 48 consumers have filed complaints since 2015. The company has a 91.7% timely response rate and has provided relief in 6.3% of cases.
48
Total Complaints
91.7%
Timely Response
0%
Disputed
6.3%
Relief Provided
9
States Active
2015
Since
Timely response
91.7%
CFPB-tracked response window
Relief rate
6.3%
Closed with monetary or non-monetary relief
Timely response rate 91.7%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 6.3%
Industry median
Share closed with monetary or non-monetary relief.
CREDIT CONCEPTS, INC. complaint mix by product
- Vehicle loan 18 37.5% – 11% relief
- Credit reporting 10 20.8% – 0% relief
- Debt collection 9 18.8% – 11% relief
- Credit reporting, 7 14.6% – 0% relief
- Consumer Loan 3 6.3% – 0% relief
- Credit reporting 1 2.1% – 0% relief
How CREDIT CONCEPTS, INC.'s 48 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 | 18 |
| Credit reporting or other personal consumer reports | 10 |
| Debt collection | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Consumer Loan | 3 |
| Credit reporting | 1 |
Top States
| State | Complaints |
|---|---|
| WA | 24 |
| OR | 12 |
| NV | 3 |
| GA | 3 |
| CA | 2 |
| AR | 1 |
| FL | 1 |
| TX | 1 |
| NY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 10 |
| Managing the loan or lease | 7 |
| Improper use of your report | 7 |
| Repossession | 4 |
| Attempts to collect debt not owed | 3 |
| Struggling to pay your loan | 2 |
| Written notification about debt | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| False statements or representation | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Problems when you are unable to pay | 2 |
| Problems at the end of the loan or lease | 1 |
| Improper use of my credit report | 1 |
| Getting a loan or lease | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Taking out the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 1 | 100% |
| 2017 | 3 | 100% |
| 2018 | 4 | 75% |
| 2019 | 3 | 100% |
| 2020 | 2 | 100% |
| 2021 | 3 | 66.7% |
| 2022 | 4 | 100% |
| 2023 | 8 | 100% |
| 2024 | 6 | 83.3% |
| 2025 | 9 | 88.9% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About CREDIT CONCEPTS, INC.
CREDIT CONCEPTS, INC. has accumulated 48 consumer complaints in the CFPB public database, with filings active across 9 U.S. states. Of those submissions, 21 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2015, and the most recent logged activity is 2026-02-13, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, CREDIT CONCEPTS, INC. reports a 91.7% timely-response rate and has closed 93.8% of cases with a written explanation to the consumer. 6.3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Vehicle loan or lease", and the single most common underlying issue is "Incorrect information on your report".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating CREDIT CONCEPTS, INC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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?
CREDIT CONCEPTS, INC. has received 48 consumer complaints filed with the Consumer Financial Protection Bureau.
Does CREDIT CONCEPTS, INC. respond to complaints on time?
CREDIT CONCEPTS, INC. has a 91.7% timely response rate to CFPB complaints.
What is the most common complaint about CREDIT CONCEPTS, INC.?
The most common issue reported against CREDIT CONCEPTS, INC. is "Incorrect information on your report" in the "Vehicle loan or lease" product category.
Read our methodology — how this data is sourced, computed, and verified.
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