CFPB · Mid-pack CFPB posture
Sunshine State Credit
7 CFPB complaints · 4 states · top issue Incorrect information on your report.
Sunshine State Credit has 7 consumer complaints in the CFPB public database. Timely response is 71.4%; 14.3% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -50% filings 2018 to 2026
CFPB relief outcome brief
CCDB company sunshine-state-credit
14.3% relief · 71.4% timely · 7 filings · Debt collection
Same-product relief peers
Nearest relief peer: CCS Financial Services, Inc. (14.3% relief)
Sunshine State Credit closes 14.3% with relief, above 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.
Sunshine State Credit complaint mix by product
- Debt collection 3 42.9% – 33% relief
- Credit reporting, 3 42.9% – 0% relief
- Credit reporting 1 14.3% – 0% relief
How Sunshine State Credit's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Credit reporting or other personal consumer reports | 1 |
Concentrated filing states for Sunshine State Credit
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 42.9% of this company's filings
Sunshine State Credit falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2018
Top States
| State | Complaints |
|---|---|
| FL | 3 |
| NJ | 2 |
| IL | 1 |
| WI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 4 |
| Attempts to collect debt not owed | 1 |
| Took or threatened to take negative or legal action | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 100% |
| 2019 | 2 | 100% |
| 2020 | 1 | 100% |
| 2024 | 1 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Sunshine State Credit
Sunshine State Credit's 7 logged complaints stay concentrated: only 4 states show a filing. Only 28.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2018 through 2026-01-27.
Sunshine State Credit answers 71.4% of complaints inside the CFPB's tracked window and closes 57.1% with a written explanation. 14.3% 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 "Incorrect information on your report."
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 Sunshine State Credit.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Sunshine State Credit: 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: 7.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 71.4%.
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 Sunshine State Credit (71.4% timely; 14.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture