CFPB · Single-product concentration
CSO Financial
68 CFPB complaints · 83.8% in "Debt collection" · top issue Attempts to collect debt not owed.
CSO Financial: 83.8% of 68 CFPB complaints sit in "Debt collection". Timely 97.1% · relief 14.7%. Allegations, not findings.
- Single-product concentration
- +166.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company cso-financial
14.7% relief · 97.1% timely · 68 filings · Debt collection
Same-product relief peers
Nearest relief peer: National Commercial Services, Inc (14.7% relief)
CSO Financial closes 14.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of CSO Financial's 68 filings include narrative text
45.6% 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.
CSO Financial complaint mix by product
- Debt collection 57 83.8% – 14% relief
- Credit reporting 5 7.4% – 0% relief
- Credit reporting, 4 5.9% – 50% relief
- Credit card 1 1.5% – 0% relief
- Vehicle loan 1 1.5% – 0% relief
How CSO Financial's 68 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 57 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit card | 1 |
| Vehicle loan or lease | 1 |
Concentrated filing states for CSO Financial
Top states by attributed CFPB complaint volume for this company
- Leading state
- OR
- 69.1% of this company's filings
CSO Financial rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 8
- +166.7% vs 2013
Top States
| State | Complaints |
|---|---|
| OR | 47 |
| CA | 6 |
| WA | 5 |
| TX | 3 |
| FL | 1 |
| AZ | 1 |
| NJ | 1 |
| AL | 1 |
| NV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 12 |
| Communication tactics | 9 |
| Incorrect information on your report | 8 |
| Written notification about debt | 8 |
| Disclosure verification of debt | 8 |
| Took or threatened to take negative or legal action | 7 |
| False statements or representation | 7 |
| Taking/threatening an illegal action | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Threatened to contact someone or share information improperly | 1 |
| Improper use of your report | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Improper contact or sharing of info | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 3 | 100% |
| 2014 | 2 | 100% |
| 2015 | 6 | 100% |
| 2016 | 6 | 100% |
| 2017 | 3 | 100% |
| 2018 | 3 | 100% |
| 2019 | 5 | 100% |
| 2020 | 7 | 100% |
| 2021 | 4 | 100% |
| 2022 | 9 | 88.9% |
| 2023 | 5 | 80% |
| 2024 | 4 | 100% |
| 2025 | 3 | 100% |
| 2026 | 8 | 100% |
Source: CFPB Consumer Complaint Database
CSO Financial filings cluster in one product
CSO Financial's 68 logged complaints stay concentrated: only 9 states show a filing. 45.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-05-09.
CSO Financial answers 97.1% of complaints inside the CFPB's tracked window and closes 80.9% with a written explanation. 14.7% 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 CSO Financial.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CSO Financial: 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: 68.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.1%.
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 CSO Financial (97.1% timely; 14.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration