CFPB · Single-product concentration
Credits, Incorporated
29 CFPB complaints · 96.6% in "Debt collection" · top issue Written notification about debt.
Credits, Incorporated: 96.6% of 29 CFPB complaints sit in "Debt collection". Timely 100% · relief 3.4%. Allegations, not findings.
- Single-product concentration
- +1000% filings 2015 to 2026
CFPB relief outcome brief
CCDB company credits-incorporated
3.4% relief · 100% timely · 29 filings · Debt collection
Same-product relief peers
Nearest relief peer: Regional Management Corporation (3.4% relief)
Credits, Incorporated closes 3.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Credits, Incorporated's 29 filings include narrative text
44.8% 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.
Credits, Incorporated complaint mix by product
- Debt collection 28 96.6% – 4% relief
- Credit reporting, 1 3.4% – 0% relief
How Credits, Incorporated's 29 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 28 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Credits, Incorporated
Top states by attributed CFPB complaint volume for this company
- Leading state
- OR
- 69% of this company's filings
Credits, Incorporated rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 11
- +1000% vs 2015
Top States
| State | Complaints |
|---|---|
| OR | 20 |
| WA | 4 |
| ID | 3 |
| AZ | 1 |
| KY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Written notification about debt | 16 |
| Attempts to collect debt not owed | 7 |
| False statements or representation | 2 |
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2018 | 3 | 100% |
| 2019 | 1 | 100% |
| 2020 | 3 | 100% |
| 2021 | 1 | 100% |
| 2022 | 2 | 100% |
| 2024 | 3 | 100% |
| 2025 | 4 | 100% |
| 2026 | 11 | 100% |
Source: CFPB Consumer Complaint Database
Credits, Incorporated filings cluster in one product
Credits, Incorporated's 29 logged complaints stay concentrated: only 5 states show a filing. 44.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-04-21.
Credits, Incorporated answers 100% of complaints inside the CFPB's tracked window and closes 96.6% with a written explanation. 3.4% 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 "Written notification about debt."
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 Credits, Incorporated.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credits, 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: 29.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Credits, Incorporated (100% timely; 3.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration