Central State — Consumer Response Profile

How this company responds to consumer inquiries (CFPB data) • Period: 2023-present • Last verified: 2026-04-20

Resolution Rate

85.7%

Consumer inquiries resolved successfully

Timely Response

99.2%

Responded within 15-day window

Total Interactions

237

Consumer interactions on record

Services Used by Consumers

Debt collection 83.5%

Credit reporting, credit repair services, or other personal consumer reports 13.5%

Credit reporting or other personal consumer reports 1.7%

Credit reporting 0.4%

Debt or credit management 0.4%

Consumer Feedback Categories

Attempts to collect debt not owed 28.7%

Written notification about debt 16.9%

False statements or representation 9.3%

Communication tactics 7.2%

Disclosure verification of debt 7.2%

Response Breakdown

Closed with explanation 203 (85.7%)

Closed 34 (14.3%)

Understanding This Data

The Consumer Financial Protection Bureau (CFPB) tracks how financial companies respond to consumer inquiries. This profile shows Central State's responsiveness and resolution track record.

Resolution Rate — How often the company resolves consumer inquiries with a satisfactory outcome (monetary or non-monetary relief).
Timely Response Rate — How consistently the company responds within the required 15-day window — a sign of operational responsiveness.
Services Used — Which product categories consumers interact with most frequently.
Feedback Categories — The types of inquiries consumers submit most often.

Higher resolution and timely response rates indicate strong consumer service operations. Volume of interactions is not a quality indicator — larger, more established companies naturally handle more consumer inquiries.

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