CFPB · Single-product concentration
PlusFour, Inc
494 CFPB complaints · 83.8% in "Debt collection" · top issue Attempts to collect debt not owed.
PlusFour, Inc: 83.8% of 494 CFPB complaints sit in "Debt collection". Timely 86% · relief 0.2%. Allegations, not findings.
- Single-product concentration
- +2300% filings 2014 to 2025
CFPB relief outcome brief
CCDB company plusfour-inc
0.2% relief · 86% timely · 494 filings · Debt collection
Same-product relief peers
Nearest relief peer: NCB Management Services Inc. (0.2% relief)
PlusFour, Inc closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
PlusFour, Inc scores strongest on closed with explanation (84/100 percentile-benchmarked) and weakest on relief provided (1/100), 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
1 / 100 percentile-benchmarked
0.2% of complaints closed with relief to the consumer
Timely response
75 / 100 percentile-benchmarked
86% of complaints answered inside the CFPB 15-day window
Closed with explanation
84 / 100 percentile-benchmarked
91.1% of complaints closed with an explanation to the consumer
Most of PlusFour, Inc's 494 filings include narrative text
56.5% 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.
PlusFour, Inc complaint mix by product
- Debt collection 414 83.8% – 0% relief
- Credit reporting, 46 9.3% – 0% relief
- Credit reporting 27 5.5% – 0% relief
- Debt or 4 0.8% – 0% relief
- Consumer Loan 2 0.4% – 0% relief
- Credit card 1 0.2% – 0% relief
How PlusFour, Inc's 494 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 414 |
| Credit reporting, credit repair services, or other personal consumer reports | 46 |
| Credit reporting or other personal consumer reports | 27 |
| Debt or credit management | 4 |
| Consumer Loan | 2 |
| Credit card | 1 |
Concentrated filing states for PlusFour, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- NV
- 71.5% of this company's filings
PlusFour, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 72
- +2300% vs 2014
Top States
| State | Complaints |
|---|---|
| NV | 353 |
| CA | 37 |
| FL | 16 |
| TX | 12 |
| AZ | 12 |
| UT | 9 |
| NC | 7 |
| TN | 6 |
| WA | 5 |
| PA | 4 |
| MO | 3 |
| IL | 2 |
| GA | 2 |
| AR | 2 |
| LA | 2 |
| CO | 2 |
| MI | 1 |
| IN | 1 |
| MD | 1 |
| SC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 180 |
| Written notification about debt | 98 |
| False statements or representation | 49 |
| Incorrect information on your report | 33 |
| Cont'd attempts collect debt not owed | 29 |
| Took or threatened to take negative or legal action | 25 |
| Problem with a credit reporting company's investigation into an existing problem | 20 |
| Improper use of your report | 16 |
| Disclosure verification of debt | 16 |
| Communication tactics | 10 |
| Improper contact or sharing of info | 6 |
| Problem with a company's investigation into an existing problem | 3 |
| Problem with customer service | 2 |
| Managing the loan or lease | 2 |
| Didn't provide services promised | 1 |
| Unauthorized withdrawals or charges | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Problem with fraud alerts or security freezes | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 3 | 100% |
| 2015 | 12 | 50% |
| 2016 | 29 | 65.5% |
| 2017 | 40 | 42.5% |
| 2018 | 30 | 73.3% |
| 2019 | 56 | 76.8% |
| 2020 | 51 | 82.4% |
| 2021 | 55 | 100% |
| 2022 | 49 | 100% |
| 2023 | 43 | 100% |
| 2024 | 54 | 100% |
| 2025 | 72 | 100% |
Source: CFPB Consumer Complaint Database
PlusFour, Inc filings cluster in one product
PlusFour, Inc's 494 logged complaints stay concentrated: only 30 states show a filing. 56.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2025-10-21.
PlusFour, Inc answers 86% of complaints inside the CFPB's tracked window and closes 91.1% with a written explanation. 0.2% 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 PlusFour, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for PlusFour, Inc: 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: 494.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 86%.
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 PlusFour, Inc (86% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration