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Data / Consumer complaints / L.B.Gray LLC A Debt Collection Agency

L.B.Gray LLC A Debt Collection Agency: 42 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

L.B.Gray LLC A Debt Collection Agency drew 42 consumer complaints in the CFPB database in the three years to November 6, 2026, and 61 since 2014. The largest group, 32, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 11. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

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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.

  • 42Complaints, last 3 years
  • 61Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Sep 19, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 614
202519
20248
20234
20224
20215
20191
20183
20171
20151
20141

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.

ProductComplaintsShare
Debt collection3276.2%
Credit reporting or other personal consumer reports819%
Debt or credit management24.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1126.2%
False statements or representation921.4%
Took or threatened to take negative or legal action819%
Incorrect information on your report511.9%
Written notification about debt49.5%
Problem with a company's investigation into an existing problem24.8%
Charged upfront or unexpected fees12.4%
Improper use of your report12.4%
Problem with customer service12.4%

How the company responded

Company responseComplaintsShare
Closed with explanation42100%

States

StateComplaintsShare
Indiana2047.6%
Florida511.9%
Georgia24.8%
Illinois24.8%
Kentucky24.8%
Michigan24.8%
North Carolina24.8%
Texas24.8%
Ohio12.4%
Pennsylvania12.4%
South Carolina12.4%
Virginia12.4%
Washington12.4%

Latest 42 complaints

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

ReceivedProductIssueCompany responseSource
September 19, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 26, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 26, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 25, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
March 19, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 15, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 3, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 23, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 18, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 18, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 16, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 13, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 1, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 16, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 30, 2025Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
July 21, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 9, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 12, 2025Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
March 9, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 6, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 10, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
January 24, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 7, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 28, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 16, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 27, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 29, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 2, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 30, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 16, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 10, 2024Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 15, 2023Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

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.