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FreeNetLaw Consumer Legal Reference

Credit Service, Inc Consumer Complaints

Credit Service, Inc has received 34 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.

Data last updated: Apr 16, 2026

Key Takeaways

  • 34 total complaints on file with the CFPB.
  • Most complaints are about Debt collection (27).
  • Timely response rate: 79.4%.
  • Consumer disputed rate: 27.3% of resolved complaints.
34 Total complaints
79.4% Timely response rate
27.3% Consumer disputed rate
Debt collection Most common product

Complaints by Product

The following table shows how complaints against Credit Service, Inc break down by financial product category.

Product Complaints % of Total
Debt collection 27 79.4%
Credit reporting, credit repair services, or other personal consumer reports 6 17.6%
Credit reporting 1 2.9%

Most Common Issues

These are the specific issues consumers most frequently report about Credit Service, Inc.

Attempts to collect debt not owed 8
Written notification about debt 8
Cont'd attempts collect debt not owed 7
Incorrect information on your report 4
Improper contact or sharing of info 2
Problem with a credit reporting company's investigation into an existing problem 2
False statements or representation 1
Incorrect information on credit report 1
Took or threatened to take negative or legal action 1

Company Response Breakdown

When consumers file complaints, Credit Service, Inc responds in one of several ways. The breakdown below shows how Credit Service, Inc has resolved complaints.

Response Count Percentage
Closed with explanation 34 100%

Complaints by State

Top states where consumers have filed complaints against Credit Service, Inc.

State Complaints
Oklahoma 26
Texas 3
California 1
Kansas 1
Kentucky 1
Louisiana 1
Wisconsin 1

Your Rights

What to do if you have a complaint against Credit Service, Inc

  1. Contact Credit Service, Inc directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
  2. File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
  3. File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
  4. Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.

Frequently Asked Questions

  • How many complaints does Credit Service, Inc have?

    Credit Service, Inc has 34 consumer complaints on file with the CFPB as of our last data refresh.

  • What is the most common complaint about Credit Service, Inc?

    The most common issue reported is Attempts to collect debt not owed with 8 complaints.

  • How do I file a complaint against Credit Service, Inc?

    You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.

  • Does Credit Service, Inc respond to complaints on time?

    Credit Service, Inc has a 79.4% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.