Credit bureau · complaint record
Consumer Portfolio Services complaints
Filed under Consumer Portfolio Services, Inc.
Consumers have filed 4,030 complaints about Consumer Portfolio Services since 2012, 983 of them in the last 12 months (+15% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is improper use of your report. It is the 28th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 4,030
- Last 12 months
- 983
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 53
- Rank
- #28 of 566
Since June 2012
+15% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 13, 2026
Most complained-about credit bureaus & report companies
Consumer Portfolio Services complaints by month
The busiest month was March 2026 (123 complaints). Complaints in the last 12 months are up 15% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Consumer Portfolio Services answered last 12 months
- Closed with explanation98299.9%
- In progress10.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend9/15+15% vs last year
What Consumer Portfolio Services complaints are about
Top Consumer Portfolio Services problems last 12 months
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 792
- Reporting company used your report improperly 453
- Report provided to employer without your written authorization 9
- Received unsolicited financial product or insurance offers after opting out 1
Where Consumer Portfolio Services complaints come from
Most complaints: Texas (410), Georgia (361), California (282), Florida (277), Illinois (269).
Consumer Portfolio Services compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Central ResearchCredit reporting | 45 | 1,193 | D |
| 2 | MoneyLionCredit reporting | 47 | 1,091 | D |
| 3 | CarMaxCredit reporting | 54 | 1,004 | C |
| 4 | Consumer Portfolio ServicesCredit reporting | 54 | 983 | C |
| 5 | PenFed Credit UnionCredit reporting | 66 | 876 | B |
| 6 | CheckrCredit reporting | 44 | 844 | D |
| 7 | Pinnacle Financial PartnersCredit reporting | 63 | 767 | C |
| 8 | Mercedes-Benz Financial ServicesCredit reporting | 54 | 751 | C |
Compare side by side: Consumer Portfolio Services vs Central Research · Consumer Portfolio Services vs MoneyLion · Consumer Portfolio Services vs CarMax · Consumer Portfolio Services vs PenFed Credit Union
What people say about Consumer Portfolio Services
All experiencesNo experiences with Consumer Portfolio Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Consumer Portfolio Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 12, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 11, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 11, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 10, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 10, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 10, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 8, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Nov 6, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Nov 6, 2026 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
Questions about Consumer Portfolio Services
How many complaints does Consumer Portfolio Services have?
Consumer Portfolio Services has 4,030 complaints on record since June 2012, including 983 in the last 12 months and 53 in the last 30 days. That makes it number 130 of every company by complaints this year.
Does Consumer Portfolio Services respond to complaints?
Yes. Consumer Portfolio Services answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 54/100 (grade C).
What do people complain about most with Consumer Portfolio Services?
The most common problems are improper use of your report (1,255), incorrect information on your report (705), repossession (169).
Is Consumer Portfolio Services legit?
Consumer Portfolio Services is a real company with a public complaint record: consumers have complained about it 4,030 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Consumer Portfolio Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Consumer Portfolio Services going up or down?
Up. There were 983 complaints in the last 12 months against 857 in the 12 before (+15%). See every month.
How do I file a complaint against Consumer Portfolio Services?
Complain to Consumer Portfolio Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Consumer Portfolio Services complaints come from?
Most come from Texas (410), Georgia (361), California (282). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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