CFPB · Mid-pack CFPB posture
Credit Shop, Incorporated
11 CFPB complaints · 3 states · top issue Attempts to collect debt not owed.
Credit Shop, Incorporated has 11 consumer complaints in the CFPB public database. Timely response is 72.7%; 9.1% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- 0% filings 2014 to 2021
CFPB relief outcome brief
CCDB company credit-shop-incorporated
9.1% relief · 72.7% timely · 11 filings · Debt collection
Same-product relief peers
Nearest relief peer: Bc Services, Inc. (9.1% relief)
Credit Shop, Incorporated closes 9.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Credit Shop, Incorporated scores strongest on closed with explanation (66/100 percentile-benchmarked) and weakest on relief provided (43/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
43 / 100 percentile-benchmarked
9.1% of complaints closed with relief to the consumer
Timely response
52 / 100 percentile-benchmarked
72.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
66 / 100 percentile-benchmarked
81.8% of complaints closed with an explanation to the consumer
How 11 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Credit Shop, Incorporated complaint mix by product
- Debt collection 4 36.4% – 0% relief
- Payday loan, 3 27.3% – 0% relief
- Consumer Loan 2 18.2% – 0% relief
- Payday loan 1 9.1% – 0% relief
- Credit reporting, 1 9.1% – 100% relief
How Credit Shop, Incorporated's 11 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 4 |
| Payday loan, title loan, or personal loan | 3 |
| Consumer Loan | 2 |
| Payday loan | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Credit Shop, Incorporated
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 45.5% of this company's filings
Credit Shop, Incorporated complaints by year
Annual filing volume from the CFPB public database
- 2021
- 1
- 0% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 5 |
| CA | 4 |
| TX | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 3 |
| Incorrect information on your report | 2 |
| Managing the loan or lease | 1 |
| Charged fees or interest I didn't expect | 1 |
| Problems when you are unable to pay | 1 |
| Charged fees or interest you didn't expect | 1 |
| Struggling to pay your loan | 1 |
| Written notification about debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2016 | 2 | 100% |
| 2018 | 2 | 50% |
| 2019 | 2 | 50% |
| 2020 | 3 | 66.7% |
| 2021 | 1 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Credit Shop, Incorporated
Credit Shop, Incorporated's 11 logged complaints stay concentrated: only 3 states show a filing. Only 36.4% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2021-02-08.
Credit Shop, Incorporated answers 72.7% of complaints inside the CFPB's tracked window and closes 81.8% with a written explanation. 9.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Shop, Incorporated.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credit Shop, Incorporated: 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: 11.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 72.7%.
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 Shop, Incorporated (72.7% timely; 9.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture