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Data / Consumer complaints / Debt collection

Debt collection: 716,547 CFPB complaints in the last 3 years, by company

The CFPB database lists 716,547 consumer complaints about debt collection in the three years to November 6, 2026, against 3,616 companies. TransUnion Intermediate Holdings, Inc. has the largest count, 49,141, which is 6.9% of the product's complaints. Companies responded on time to 97.1% of them, and 25.5% closed with monetary or other relief. A count is not a rate: a company with more customers draws more complaints.

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.

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  • 716,547Complaints, last 3 years
  • 3,616Companies
  • 97.1%Responded on time
  • 25.5%Closed with relief
  • Nov 6, 2026Latest received

Companies by complaints

Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.

CompanyComplaintsShareResponded on timeClosed with relief
TransUnion Intermediate Holdings, Inc.49,1416.9%100%73%
Equifax, Inc.47,8586.7%100%52.6%
Experian Information Solutions Inc.43,5516.1%100%8%
Resurgent Capital Services L.P.42,0525.9%100%27%
CL Holdings LLC41,1575.7%99.9%31%
Encore Capital Group Inc.37,1445.2%99.9%31.8%
Portfolio Recovery Associates, LLC33,9344.7%98.4%50.5%
CCS Financial Services, Inc.17,2232.4%83%16.9%
Kriya Capital, LLC12,8421.8%100%93.9%
I.C. System, Inc.12,7551.8%99.9%6.5%
National Credit Systems,Inc.11,8941.7%99.9%0%
Transworld Systems Inc10,0751.4%99.9%0.1%
Caine & Weiner Company, Inc.9,3571.3%99.9%22.7%
Capital One Financial Corporation8,6871.2%99.9%19%
Spring Oaks Capital, LLC8,1431.1%99.9%54.9%
Bread Financial Holdings, Inc.6,4660.9%100%39.5%
Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis6,1190.9%99.9%10.9%
Synchrony Financial5,8490.8%98.4%10.4%
National Credit Adjusters, LLC5,5920.8%100%0%
Citibank, N.A.5,3810.8%100%60.3%
Radius Global Solutions LLC5,2590.7%100%68.2%
T.S. Holdings4,7760.7%99.8%30.6%
Aldous & Associates, PLLC4,6020.6%99.6%0%
Affirm Holdings, Inc4,5130.6%99.9%0%
TrueAccord Corp.4,4840.6%99.6%0%
Sunrise Credit Services, Inc4,4200.6%99.9%0.1%
JPMorgan Chase & Co.4,3680.6%100%10.2%
HW Holding, Inc4,1880.6%99.9%32.6%
Harris & Harris, Ltd.3,9730.6%99.9%38.4%
Wells Fargo & Company3,7410.5%100%29.1%
Bank of America, National Association3,5840.5%99.4%5.5%
NCB Management Services Inc.3,5720.5%99.9%0%
Fair Collections & Outsourcing, Inc.3,3360.5%97.9%0.1%
American Express Company3,2040.4%99.8%36.9%
Navy Federal Credit Union3,2010.4%100%53.5%
Credit Control, LLC3,1650.4%100%0.3%
ProCollect, Inc.3,1280.4%85.6%0%
Southwest Credit Systems, L.P.3,0460.4%99.9%92.5%
Servicer under contract with Federal Student Aid2,8230.4%0%0%
Self Financial Inc.2,8010.4%99.6%0.1%
Sequium Asset Solutions, LLC2,6500.4%99.9%96%
W&A Intermediate Co., LLC2,4970.3%97.3%47.6%
V and H Portfolio2,4380.3%100%0%
Security Credit Services, LLC2,4360.3%100%0%
Discover Bank2,3680.3%100%39.4%
Collection Management Holdings, LLC2,3400.3%99.5%0%
Central Portfolio Control Inc.2,3370.3%99.9%0%
NRA Group, LLC2,3370.3%99.8%2.2%
Source Receivables Management LLC2,3360.3%95.8%0%
Santander Holdings USA, Inc.2,3260.3%100%40.4%
Ability Recovery Services, LLC2,2230.3%97.1%0.1%
Cavalry Investments, LLC2,1950.3%100%17.2%
Eastern Account Systems of Connecticut, Inc.2,1520.3%100%0%
Amsher Collection Services, Inc.2,1460.3%99.6%0%
The CBE Group, Inc.2,1130.3%100%87.5%
Credit Corp Solutions Inc.2,0970.3%99.9%0.1%
Kikoff Inc.2,0570.3%100%2.5%
ONLINE Information Services, Inc.1,9640.3%99.9%23.8%
Westlake Services, LLC1,8810.3%99.8%0.1%
OneMain Finance Corporation1,8410.3%100%6.2%
TD Bank US Holding Company1,8270.3%100%19.3%
Lockhart, Morris & Montgomery Inc.1,7920.3%98.9%0%
BTH Management1,7140.2%99.5%0%
Goldman Sachs Bank USA1,7070.2%99.9%47.5%
Barclays Bank Delaware1,6950.2%100%0.4%
Capio Partners, LLC1,6930.2%98.2%99.8%
Rent Recovery Solutions1,6910.2%45.9%0%
Absolute Resolutions Corp.1,6770.2%100%0%
Credit Acceptance Corporation1,5810.2%99.8%5.5%
Halsted Financial Services, LLC.1,5400.2%99.9%0%
Aargon Agency, Inc.1,5140.2%98.2%0%
TekCollect Inc.1,5090.2%100%0%
RentDebt Automated Collections, LLC1,4940.2%99.6%0%
Ally Financial Inc.1,4930.2%100%3.1%
LJ Ross Associates1,4920.2%99.7%0%
Velocity Portfolio Group1,4650.2%99.9%0%
Diversified Adjustment Service, Inc.1,4410.2%100%0%
Bull City Financial Solutions, Inc1,4370.2%99.7%0%
Exeter Finance, LLC.1,4300.2%100%0%
Credit Systems International, Inc.1,3840.2%99%0%
World Acceptance Corporation1,3840.2%99.2%24.8%
Mrs Bpo, LLC1,3520.2%99.9%76.5%
Waypoint Resource Group, LLC1,3240.2%80.1%0.1%
Bounce AI, Inc.1,2730.2%99.2%0%
Debt Recovery Solutions, LLC1,2070.2%100%0%
Nelnet, Inc.1,1710.2%99.9%0%
Possible Financial Inc1,1410.2%98%0.7%
Zions Debt Holdings1,1240.2%100%0.1%
Consumer Adjustment Company Incorporated1,1150.2%98%0%
Truist Financial Corporation1,0910.2%100%6.5%
Upgrade, Inc.1,0730.1%99.9%0.1%
Acima Credit, LLC1,0290.1%99.9%10.5%
Monterey Financial Services LLC1,0190.1%100%3.1%
Bridgecrest Acceptance Corporation9990.1%98.8%0%
Penn Credit Corporation9780.1%100%2.7%
The Receivable Management Services LLC9780.1%100%0%
Enova International, Inc.9620.1%99.9%0.4%
CLGF Holdco 1, LLC9540.1%100%21.4%
Contract Callers Inc9430.1%98.3%0%
First Credit Services Inc.9380.1%99.9%0%

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 2026316,68844.2%
12 months to Nov 6, 2025262,02136.6%
12 months to Nov 6, 2024137,83819.2%

Issues

IssueComplaintsShare
Attempts to collect debt not owed314,67843.9%
Written notification about debt156,95721.9%
Took or threatened to take negative or legal action118,65216.6%
False statements or representation85,08311.9%
Communication tactics24,0933.4%
Electronic communications10,5231.5%
Threatened to contact someone or share information improperly6,5610.9%

Sub-products

Sub-productComplaintsShare
I do not know399,20155.7%
Other debt101,19314.1%
Credit card debt98,40413.7%
Telecommunications debt31,7634.4%
Rental debt30,2374.2%
Medical debt23,5183.3%
Auto debt18,2782.6%
Payday loan debt7,3491%
Private student loan debt2,2810.3%
Federal student loan debt2,2130.3%
Mortgage debt2,1100.3%

How companies responded

Company responseComplaintsShare
Closed with explanation517,37672.2%
Closed with non-monetary relief181,78925.4%
Untimely response9,7931.4%
In progress6,3590.9%
Closed with monetary relief1,2270.2%
Not listed30.1%

States

StateComplaintsShare
Texas126,80717.7%
Florida79,35911.1%
California60,5788.5%
Georgia58,8048.2%
New York29,2074.1%
North Carolina27,0253.8%
Illinois26,4753.7%
Pennsylvania25,8103.6%
South Carolina21,1252.9%
New Jersey17,6622.5%
Louisiana17,0252.4%
Arizona16,7422.3%
Ohio16,5632.3%
Michigan16,4242.3%
Alabama16,2132.3%
Virginia15,9692.2%
Maryland15,0492.1%
Tennessee13,2481.8%
Mississippi10,9471.5%
Missouri9,5301.3%
Indiana9,1561.3%
Nevada8,9931.3%
Washington7,8101.1%
Massachusetts6,7100.9%
Arkansas5,8140.8%

Latest 50 complaints

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

ReceivedCompanyIssueCompany responseSource
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026Harris & Harris, Ltd.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026Lockhart, Morris & Montgomery Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a GenesisCommunication tacticsIn progressconsumerfinance.gov
November 6, 2026Security Credit Services, LLCAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026Ally Financial Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.False statements or representationIn progressconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a GenesisAttempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026I.C. System, Inc.False statements or representationClosed with explanationconsumerfinance.gov
November 6, 2026Security Credit Services, LLCAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026Diversified Adjustment Service, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026Security Credit Services, LLCTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Written notification about debtIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026National Credit Adjusters, LLCWritten notification about debtIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Written notification about debtIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026I.C. System, Inc.Written notification about debtClosed with explanationconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026I.C. System, Inc.False statements or representationClosed with explanationconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026Harris & Harris, Ltd.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026National Credit Adjusters, LLCAttempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026Collection Receivables, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026I.C. System, Inc.False statements or representationClosed with explanationconsumerfinance.gov
November 6, 2026Security Credit Services, LLCTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 6, 2026National Credit Adjusters, LLCTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
November 6, 2026Security Credit Services, LLCTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 6, 2026LJ Ross AssociatesAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 6, 2026TekCollect Inc.False statements or representationClosed with explanationconsumerfinance.gov
November 6, 2026National Credit Adjusters, LLCTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
November 6, 2026National Credit Adjusters, LLCFalse statements or representationIn progressconsumerfinance.gov
November 6, 2026Experian Information Solutions Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 6, 2026TransUnion Intermediate Holdings, Inc.Attempts to collect debt not owedIn progressconsumerfinance.gov
November 5, 2026Lockhart, Morris & Montgomery Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026I.C. System, Inc.Attempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026National Credit Adjusters, LLCAttempts to collect debt not owedIn progressconsumerfinance.gov
November 5, 2026NRA Group, LLCAttempts to collect debt not owedIn progressconsumerfinance.gov
November 5, 2026Leafy Financial, LLCAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 5, 2026I.C. System, Inc.Took or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 5, 2026Security Credit Services, LLCAttempts to collect debt not owedClosed with explanationconsumerfinance.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.