CFPB · Single-product concentration
Torres Credit Services, Inc.
295 CFPB complaints · 78.3% in "Debt collection" · top issue Attempts to collect debt not owed.
Torres Credit Services, Inc.: 78.3% of 295 CFPB complaints sit in "Debt collection". Timely 99.3% · relief 4.4%. Allegations, not findings.
- Single-product concentration
- +550% filings 2013 to 2026
CFPB relief outcome brief
CCDB company torres-credit-services-inc
4.4% relief · 99.3% timely · 295 filings · Debt collection
Same-product relief peers
Nearest relief peer: Phoenix Financial Services LLC (4.4% relief)
Torres Credit Services, Inc. closes 4.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Torres Credit Services, Inc. scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (21/100), 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
21 / 100 percentile-benchmarked
4.4% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.3% of complaints answered inside the CFPB 15-day window
Closed with explanation
76 / 100 percentile-benchmarked
86.8% of complaints closed with an explanation to the consumer
How 295 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Torres Credit Services, Inc. complaint mix by product
- Debt collection 231 78.3% – 6% relief
- Credit reporting 51 17.3% – 0% relief
- Credit reporting, 11 3.7% – 0% relief
- Debt or 1 0.3% – 0% relief
- Credit card 1 0.3% – 0% relief
How Torres Credit Services, Inc.'s 295 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 231 |
| Credit reporting or other personal consumer reports | 51 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
| Debt or credit management | 1 |
| Credit card or prepaid card | 1 |
Where Torres Credit Services, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 28.5% of this company's filings
Torres Credit Services, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 26
- +550% vs 2013
Top States
| State | Complaints |
|---|---|
| IL | 84 |
| CA | 81 |
| PA | 65 |
| TX | 15 |
| FL | 11 |
| NY | 9 |
| AZ | 7 |
| GA | 4 |
| NV | 3 |
| IN | 3 |
| CO | 2 |
| NJ | 2 |
| MN | 1 |
| AL | 1 |
| DC | 1 |
| NC | 1 |
| VA | 1 |
| WI | 1 |
| NH | 1 |
| MD | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 115 |
| Written notification about debt | 32 |
| Incorrect information on your report | 27 |
| Cont'd attempts collect debt not owed | 22 |
| Improper use of your report | 21 |
| Took or threatened to take negative or legal action | 21 |
| False statements or representation | 18 |
| Communication tactics | 16 |
| Problem with a company's investigation into an existing problem | 11 |
| Disclosure verification of debt | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Unauthorized withdrawals or charges | 1 |
| Improper contact or sharing of info | 1 |
| Getting a credit card | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 11 | 90.9% |
| 2015 | 10 | 100% |
| 2016 | 14 | 100% |
| 2017 | 11 | 100% |
| 2018 | 9 | 100% |
| 2019 | 4 | 100% |
| 2020 | 10 | 90% |
| 2021 | 20 | 100% |
| 2022 | 11 | 100% |
| 2023 | 27 | 100% |
| 2024 | 40 | 100% |
| 2025 | 98 | 100% |
| 2026 | 26 | 100% |
Source: CFPB Consumer Complaint Database
Torres Credit Services, Inc. filings cluster in one product
Torres Credit Services, Inc.'s 295 logged complaints stay concentrated: only 21 states show a filing. Only 39.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-10.
Torres Credit Services, Inc. answers 99.3% of complaints inside the CFPB's tracked window and closes 86.8% with a written explanation. 4.4% 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 Torres Credit Services, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Torres Credit Services, 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: 295.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.3%.
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 Torres Credit Services, Inc. (99.3% timely; 4.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration