Data / Consumer complaints / FC HoldCo LLC

FC HoldCo LLC: 2,007 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against FC HoldCo LLC
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

FC HoldCo LLC drew 2,007 consumer complaints in the CFPB database in the three years to November 6, 2026, and 3,612 since 2014. The largest group, 1,197, was about credit reporting or other personal consumer reports, and the most common issue was “Improper use of your report” with 615. The company responded on time to 99.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaints Get every credit reporting or other personal consumer reports company Get credit reporting or other personal consumer reports in Texas

2,007Complaints, last 3 years
3,612Complaints, all years
99.9%Responded on time
0.0%Closed with relief
6Products
Jun 22, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

Year	Complaints
2026, to Nov 6	305
2025	886
2024	724
2023	480
2022	284
2021	259
2020	185
2019	158
2018	126
2017	123
2016	45
2015	23
2014	14

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Product	Complaints	Share
Credit reporting or other personal consumer reports	1,197	59.6%
Vehicle loan or lease	506	25.2%
Debt collection	292	14.5%
Credit card	7	0.3%
Payday loan, title loan, personal loan, or advance loan	3	0.1%
Debt or credit management	2	0.1%

Issues

Issue	Complaints	Share
Improper use of your report	615	30.6%
Incorrect information on your report	478	23.8%
Problem with a company's investigation into an existing problem	183	9.1%
Repossession	156	7.8%
Managing the loan or lease	133	6.6%
Attempts to collect debt not owed	100	5%
Took or threatened to take negative or legal action	80	4%
False statements or representation	54	2.7%
Problems at the end of the loan or lease	46	2.3%
Getting a loan or lease	42	2.1%
Written notification about debt	42	2.1%
Struggling to pay your loan	25	1.2%
Communication tactics	14	0.7%
Unable to get your credit report or credit score	10	0.5%
Credit monitoring or identity theft protection services	9	0.4%
Problem with fraud alerts or security freezes	9	0.4%
Problem when making payments	2	0.1%
Problem with a company's investigation into an existing issue	2	0.1%
Threatened to contact someone or share information improperly	2	0.1%
Confusing or misleading advertising or marketing	1	0.1%
Didn't provide services promised	1	0.1%
Getting a credit card	1	0.1%
Identity theft protection or other monitoring services	1	0.1%
Problem with a purchase shown on your statement	1	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	2,007	100%

States

State	Complaints	Share
Texas	349	17.4%
Florida	252	12.6%
Georgia	194	9.7%
California	135	6.7%
Illinois	105	5.2%
Maryland	77	3.8%
Alabama	70	3.5%
North Carolina	70	3.5%
Arizona	68	3.4%
Pennsylvania	66	3.3%
Louisiana	61	3%
Ohio	55	2.7%
Virginia	48	2.4%
Tennessee	47	2.3%
Michigan	40	2%
Nevada	34	1.7%
South Carolina	33	1.6%
Missouri	32	1.6%
New York	32	1.6%
New Jersey	31	1.5%
Indiana	21	1%
Mississippi	21	1%
Minnesota	20	1%
Colorado	19	0.9%
Arkansas	17	0.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Product	Issue	Company response	Source
June 22, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
June 22, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
June 22, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
June 20, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
June 19, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
June 19, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
June 18, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
June 18, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
June 18, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
June 16, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
June 15, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
June 14, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.gov
June 12, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
June 8, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
June 7, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
June 5, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
June 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
June 5, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
June 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
June 4, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
June 4, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
June 4, 2026	Vehicle loan or lease	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
June 3, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
June 2, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
June 2, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
June 2, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
May 30, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
May 30, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
May 30, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
May 29, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
May 28, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
May 28, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
May 28, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
May 26, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
May 26, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
May 25, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
May 25, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
May 24, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
May 24, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
May 23, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
May 22, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
May 22, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
May 21, 2026	Vehicle loan or lease	Repossession	Closed with explanation	consumerfinance.gov
May 21, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
May 20, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
May 19, 2026	Vehicle loan or lease	Problems at the end of the loan or lease	Closed with explanation	consumerfinance.gov
May 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
May 18, 2026	Vehicle loan or lease	Managing the loan or lease	Closed with explanation	consumerfinance.gov
May 17, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
May 16, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.