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Data / Consumer complaints / Debt or credit management

Debt or credit management: 10,602 CFPB complaints in the last 3 years, by company

The CFPB database lists 10,602 consumer complaints about debt or credit management in the three years to November 6, 2026, against 976 companies. Experian Information Solutions Inc. has the largest count, 811, which is 7.6% of the product's complaints. Companies responded on time to 91.2% of them, and 14.3% 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.

Get every company with more than 100 complaintsWatch this productGet debt or credit management in Florida
  • 10,602Complaints, last 3 years
  • 976Companies
  • 91.2%Responded on time
  • 14.3%Closed with relief
  • Nov 5, 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
Experian Information Solutions Inc.8117.6%100%6%
John C. Heath, Attorney at Law, PLLC8007.5%89%0%
TransUnion Intermediate Holdings, Inc.5365.1%100%56.5%
Equifax, Inc.5315%100%33.1%
Consumer Financial Services Solutions, Inc.3533.3%77.1%0.3%
Encore Capital Group Inc.3493.3%100%38.1%
National Debt Relief LLC3383.2%89.9%0%
Freedom Financial Network2412.3%99.6%19.5%
Capital One Financial Corporation2041.9%100%16.2%
Resurgent Capital Services L.P.1941.8%100%19.6%
Kikoff Inc.1631.5%100%3.7%
The J. G. Wentworth Company1481.4%100%0.7%
Portfolio Recovery Associates, LLC1181.1%97.5%34.7%
CL Holdings LLC1171.1%100%20.5%
Americor Funding, LLC1101%97.3%0.9%
Block, Inc.1071%98.1%0.9%
Self Financial Inc.1061%99.1%0%
JPMorgan Chase & Co.970.9%100%7.2%
Bank of America, National Association950.9%95.8%21.1%
Synchrony Financial890.8%98.9%25.8%
Michel Law, LLC d/b/a Level One Law860.8%1.2%0%
ClearOne Advantage, LLC800.8%73.8%0%
Wells Fargo & Company780.7%100%7.7%
Credit Sage LLC750.7%74.7%0%
TomoCredit Inc.750.7%89.3%0%
Cordoba Legal Group, PLLC.660.6%98.5%4.5%
Bread Financial Holdings, Inc.640.6%100%43.8%
Five Lakes Law Group PLLC640.6%65.6%0%
Credit Glory LLC610.6%63.9%0%
Citibank, N.A.590.6%100%39%
Citizens Debt relief LLC580.5%48.3%24.1%
Chime Financial Inc550.5%100%7.3%
Shellpoint Partners, LLC550.5%98.2%0%
Credit Karma, LLC540.5%92.6%40.7%
National Credit Systems,Inc.520.5%100%0%
Olympus1 LLC520.5%98.1%1.9%
Clarity Debt Resolution, Inc500.5%98%20%
Paypal Holdings, Inc490.5%100%38.8%
CCS Financial Services, Inc.480.5%66.7%10.4%
Discover Bank480.5%100%20.8%
Kriya Capital, LLC480.5%100%93.8%
Affirm Holdings, Inc470.4%100%0%
Navy Federal Credit Union470.4%100%14.9%
Global Client Solutions, LLC430.4%88.4%0%
Collection Management Holdings, LLC410.4%97.6%0%
Consumer Legal Group, P.C.410.4%65.9%29.3%
Oquirrh Mountain Law Group, P.C.410.4%100%0%
Bright Capital Inc390.4%94.9%0%
American Express Company360.3%100%8.3%
Westlake Services, LLC360.3%100%0%
LexisNexis330.3%97%33.3%
Mathew Aaron Holdings Inc.330.3%75.8%30.3%
Turnbull Law Group330.3%100%24.2%
OneMain Finance Corporation320.3%100%6.2%
Alorica Inc.310.3%96.8%0%
I.C. System, Inc.310.3%100%6.5%
Transworld Systems Inc310.3%100%0%
Palisade Legal Group, PLLC300.3%100%13.3%
Paramount GR Holdings, LLC290.3%100%0%
Credit Acceptance Corporation280.3%100%7.1%
Santander Holdings USA, Inc.280.3%100%21.4%
Elite Legal Practice PC260.2%88.5%19.2%
Nelnet, Inc.260.2%100%0%
Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis260.2%100%15.4%
Ally Financial Inc.250.2%100%8%
Financial Freedom Group, LLC240.2%100%16.7%
MoneyLion Inc.240.2%100%25%
Mr. Cooper Group Inc.240.2%100%0%
The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group240.2%0%0%
Caine & Weiner Company, Inc.230.2%100%17.4%
Law Offices of Robert S. Gitmeid & Associates, PLLC230.2%100%43.5%
Moore Legal Group, LLC230.2%0%0%
W&A Intermediate Co., LLC230.2%91.3%43.5%
Chelseamac, LLC dba Briteside Solutions220.2%95.5%72.7%
MOHELA220.2%45.5%0%
Saint Services LLC220.2%100%45.5%
Acima Credit, LLC210.2%100%14.3%
CLGF Holdco 1, LLC210.2%100%14.3%
T.S. Holdings210.2%100%42.9%
Truist Financial Corporation210.2%100%0%
PNC Bank N.A.200.2%100%5%
Servicer under contract with Federal Student Aid200.2%0%0%
Progrexion Holdings, Inc.190.2%89.5%0%
TD Bank US Holding Company190.2%100%21.1%
TrueAccord Corp.190.2%100%0%
ADS Resolve LLC180.2%22.2%22.2%
Credit Wellness LLC180.2%77.8%0%
Easier Funding, LLC180.2%16.7%0%
Select Portfolio Servicing, Inc.180.2%100%0%
Halsted Financial Services, LLC.170.2%100%0%
Northstar Legal Group LLC170.2%0%0%
Radius Global Solutions LLC170.2%100%29.4%
Barclays Bank Delaware160.2%100%0%
Early Warning Services, LLC160.2%100%0%
Reach Financial LLC160.2%100%0%
U.S. Bancorp160.2%100%50%
United Funding Logistics, LLC160.2%56.2%6.2%
Credit Control, LLC150.1%100%0%
Debt 0, Inc150.1%100%46.7%
HW Holding, Inc150.1%100%20%

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, 20264,33440.9%
12 months to Nov 6, 20254,30140.6%
12 months to Nov 6, 20241,96718.6%

Issues

IssueComplaintsShare
Didn't provide services promised2,82926.7%
Confusing or missing disclosures2,28621.6%
Charged upfront or unexpected fees1,71416.2%
Problem with customer service1,45313.7%
Confusing or misleading advertising or marketing1,18511.2%
Unauthorized withdrawals or charges1,13510.7%

Sub-products

Sub-productComplaintsShare
Debt settlement5,68553.6%
Credit repair services4,39641.5%
Mortgage modification or foreclosure avoidance3753.5%
Student loan debt relief1461.4%

How companies responded

Company responseComplaintsShare
Closed with explanation8,45579.7%
Closed with non-monetary relief1,14310.8%
Untimely response4484.2%
Closed with monetary relief3733.5%
In progress1831.7%

States

StateComplaintsShare
Florida1,27512%
Texas1,12110.6%
California1,0499.9%
Georgia6356%
New York5325%
Pennsylvania3913.7%
North Carolina3623.4%
Illinois3213%
Michigan3052.9%
New Jersey2972.8%
Ohio2772.6%
South Carolina2772.6%
Virginia2562.4%
Maryland2472.3%
Tennessee2402.3%
Arizona2242.1%
Massachusetts2192.1%
Wisconsin1861.8%
Alabama1711.6%
Louisiana1711.6%
Missouri1691.6%
Mississippi1641.5%
Colorado1511.4%
Indiana1451.4%
Nevada1411.3%

Latest 50 complaints

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

ReceivedCompanyIssueCompany responseSource
November 5, 2026Freedom Financial NetworkCharged upfront or unexpected feesIn progressconsumerfinance.gov
November 5, 2026Experian Information Solutions Inc.Charged upfront or unexpected feesIn progressconsumerfinance.gov
November 5, 2026TransUnion Intermediate Holdings, Inc.Problem with customer serviceIn progressconsumerfinance.gov
November 5, 2026Encore Capital Group Inc.Problem with customer serviceClosed with explanationconsumerfinance.gov
November 5, 2026Encore Capital Group Inc.Problem with customer serviceClosed with explanationconsumerfinance.gov
November 4, 2026Kriya Capital, LLCDidn't provide services promisedIn progressconsumerfinance.gov
November 4, 2026Self Financial Inc.Didn't provide services promisedIn progressconsumerfinance.gov
November 4, 2026Experian Information Solutions Inc.Unauthorized withdrawals or chargesIn progressconsumerfinance.gov
November 3, 2026Scott Fetzer Financial Group Inc.Didn't provide services promisedClosed with explanationconsumerfinance.gov
November 3, 2026Regional Management CorporationCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
November 3, 2026CL Holdings LLCConfusing or misleading advertising or marketingClosed with non-monetary reliefconsumerfinance.gov
November 3, 2026Freedom Financial NetworkCharged upfront or unexpected feesIn progressconsumerfinance.gov
November 2, 2026Freedom Financial NetworkProblem with customer serviceIn progressconsumerfinance.gov
November 2, 2026Midwest Service Bureau, Inc.Problem with customer serviceClosed with explanationconsumerfinance.gov
November 2, 2026The J. G. Wentworth CompanyCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
November 1, 2026CLGF Holdco 1, LLCCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
October 31, 2026Block, Inc.Unauthorized withdrawals or chargesIn progressconsumerfinance.gov
October 30, 2026Cascade CISS Holdings, LLCProblem with customer serviceClosed with explanationconsumerfinance.gov
October 30, 2026American Enterprises International, Inc.Confusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 30, 2026TransUnion Intermediate Holdings, Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 30, 2026Kriya Capital, LLCCharged upfront or unexpected feesIn progressconsumerfinance.gov
October 30, 2026TransUnion Intermediate Holdings, Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 30, 2026Experian Information Solutions Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 30, 2026Equifax, Inc.Confusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 30, 2026Experian Information Solutions Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 30, 2026TransUnion Intermediate Holdings, Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 30, 2026Equifax, Inc.Confusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 30, 2026Axela Technologies, IncProblem with customer serviceIn progressconsumerfinance.gov
October 30, 2026Freedom Financial NetworkCharged upfront or unexpected feesIn progressconsumerfinance.gov
October 30, 2026Pennymac Loan Services, LLC.Confusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 29, 2026TomoCredit Inc.Confusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 29, 2026Self Financial Inc.Confusing or misleading advertising or marketingIn progressconsumerfinance.gov
October 29, 2026Branch Messenger, Inc.Unauthorized withdrawals or chargesClosed with explanationconsumerfinance.gov
October 29, 2026Freedom Financial NetworkDidn't provide services promisedIn progressconsumerfinance.gov
October 28, 2026Equifax, Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 27, 2026Columbia Banking System, Inc.Confusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 27, 2026Palisade Legal Group, PLLCUnauthorized withdrawals or chargesIn progressconsumerfinance.gov
October 27, 2026Orion Capital Solutions LLCConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 27, 2026Paramount GR Holdings, LLCDidn't provide services promisedClosed with explanationconsumerfinance.gov
October 27, 2026Central Portfolio Control Inc.Problem with customer serviceClosed with explanationconsumerfinance.gov
October 26, 2026MOHELACharged upfront or unexpected feesIn progressconsumerfinance.gov
October 26, 2026LD Holdings Group, LLCConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 25, 2026Experian Information Solutions Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 25, 2026Capital One Financial CorporationConfusing or misleading advertising or marketingIn progressconsumerfinance.gov
October 24, 2026Chelseamac, LLC dba Briteside SolutionsDidn't provide services promisedClosed with explanationconsumerfinance.gov
October 24, 2026Experian Information Solutions Inc.Didn't provide services promisedIn progressconsumerfinance.gov
October 24, 2026Equifax, Inc.Confusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 24, 2026Experian Information Solutions Inc.Confusing or missing disclosuresIn progressconsumerfinance.gov
October 24, 2026Jim Bottin Enterprises, IncConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 24, 2026TransUnion Intermediate Holdings, Inc.Confusing or missing disclosuresIn progressconsumerfinance.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.