CFPB · Single-product concentration
Innovative Credit Solutions
15 CFPB complaints · 86.7% in "Debt collection" · top issue Disclosure verification of debt.
Innovative Credit Solutions: 86.7% of 15 CFPB complaints sit in "Debt collection". Timely 73.3% · relief 0%. Allegations, not findings.
- Single-product concentration
- +50% filings 2015 to 2019
CFPB relief outcome brief
CCDB company innovative-credit-solutions
0% relief · 73.3% timely · 15 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Innovative Credit Solutions closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Innovative Credit Solutions scores strongest on timely response (53/100 percentile-benchmarked) and weakest on relief provided (0/100), 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
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
53 / 100 percentile-benchmarked
73.3% of complaints answered inside the CFPB 15-day window
Closed with explanation
0 / 100 percentile-benchmarked
26.7% of complaints closed with an explanation to the consumer
Most of Innovative Credit Solutions's 15 filings include narrative text
60% 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.
Innovative Credit Solutions complaint mix by product
- Debt collection 13 86.7% – 0% relief
- Credit reporting, 2 13.3% – 0% relief
How Innovative Credit Solutions's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 13 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
Where Innovative Credit Solutions complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- PA
- 20% of this company's filings
Innovative Credit Solutions rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 3
- +50% vs 2015
Top States
| State | Complaints |
|---|---|
| PA | 3 |
| AZ | 2 |
| CA | 2 |
| ME | 2 |
| FL | 1 |
| NV | 1 |
| NH | 1 |
| WI | 1 |
| IL | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Disclosure verification of debt | 6 |
| Taking/threatening an illegal action | 2 |
| Written notification about debt | 2 |
| Communication tactics | 1 |
| Improper contact or sharing of info | 1 |
| False statements or representation | 1 |
| Confusing or misleading advertising or marketing | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 7 | 100% |
| 2017 | 2 | 100% |
| 2018 | 1 | 0% |
| 2019 | 3 | 0% |
Source: CFPB Consumer Complaint Database
Innovative Credit Solutions filings cluster in one product
Innovative Credit Solutions's 15 logged complaints stay concentrated: only 10 states show a filing. 60% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2019-11-25.
Innovative Credit Solutions answers 73.3% of complaints inside the CFPB's tracked window and closes 26.7% with a written explanation. 0% 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 "Disclosure verification of 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 Innovative Credit Solutions.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Innovative Credit Solutions: 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: 15.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 73.3%.
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 Innovative Credit Solutions (73.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration