Cfsbank on Your Credit Report
In short: Operating 11 FDIC-reported offices from a head office in Charleroi, Pennsylvania, Cfsbank is a state-chartered savings institution supervised by the FDIC and its state regulator under FDIC certificate 29672. The charter dates to January 1, 1935 and the most recent call report, dated 06/30/2026, shows $773 million in total assets. As an original creditor, Cfsbank is the furnisher on its own tradelines, not an assignee of someone else's. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Cfsbank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Cfsbank carries FDIC certificate 29672, operates 11 FDIC-reported offices and reported $773 million in assets on its most recent call report in Charleroi, Pennsylvania.
How Cfsbank appears on your credit report
Cfsbank is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to Cfsbank, and file the §611 dispute in parallel. the Cfsbank reviews these internally from Charleroi, Pennsylvania. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Consumer lines of credit opened at the 11 Pennsylvania banking offices of Cfsbank
- ◆Home-equity lines and residential mortgages originated near Charleroi
- ◆Vehicle and equipment paper financed directly through Cfsbank
Grounds to dispute a Cfsbank entry
Each of these is a reason a Cfsbank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆In-branch payment in Charleroi posted after the due date and reported 30 days late
- ◆Balance not updated to zero after Cfsbank completed the payoff
- ◆Duplicate Cfsbank tradeline created when the loan was renumbered internally
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Cfsbank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Cfsbank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Cfsbank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Cfsbank questions, answered
Does the FDIC insure deposits at Cfsbank?
It is insured, and certificate 29672 is the number to quote. The FDIC lists a state-chartered savings institution supervised by the FDIC and its state regulator, headquartered Charleroi, PA, chartered January 1, 1935, reporting $773 million and 11 offices as of 06/30/2026.
Who supervises Cfsbank if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Cfsbank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Cfsbank head office in Charleroi, Pennsylvania.
How many credit-card complaints does the CFPB show against Cfsbank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Cfsbank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a Cfsbank charge-off stay on my credit report?
The seven-year window runs from first delinquency on the underlying Cfsbank account. Transfers, charge-offs and sales are irrelevant to that date. A first-delinquency field that shifts forward on a later pull is re-aging and should be disputed on that basis alone.
What is the difference between disputing with Cfsbank and disputing with a collector?
Go to whoever holds the documents. Cfsbank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Cfsbank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Cfsbank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Cfsbank — 11 offices in Pennsylvania — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Cfsbank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Cfsbank has operated since 1935, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute a Cfsbank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Cfsbank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Cfsbank headquartered, and does that affect my dispute?
Cfsbank is headquartered in Charleroi, Pennsylvania, with 11 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Cfsbank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.