CFPB · Single-product concentration
Richard H. Kream
9 CFPB complaints · 77.8% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Richard H. Kream: 77.8% of 9 CFPB complaints sit in "Debt collection". Timely 77.8% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2015 to 2026
CFPB relief outcome brief
CCDB company richard-h-kream
0% relief · 77.8% timely · 9 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Richard H. Kream closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Richard H. Kream complaint mix by product
- Debt collection 7 77.8% – 0% relief
- Credit reporting, 2 22.2% – 0% relief
How Richard H. Kream's 9 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
Richard H. Kream complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2015
Top States
| State | Complaints |
|---|---|
| MA | 9 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 2 |
| Attempts to collect debt not owed | 2 |
| Threatened to contact someone or share information improperly | 1 |
| Communication tactics | 1 |
| Disclosure verification of debt | 1 |
| Incorrect information on your report | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2016 | 1 | 0% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2025 | 1 | 100% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Richard H. Kream filings cluster in one product
Richard H. Kream's 9 logged complaints stay concentrated: only 1 state shows a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2015 through 2026-01-15.
Richard H. Kream answers 77.8% of complaints inside the CFPB's tracked window and closes 88.9% 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 "Took or threatened to take negative or legal action."
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 Richard H. Kream.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Richard H. Kream: 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: 9.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 77.8%.
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 Richard H. Kream (77.8% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration