---
title: CFPB complaints — Debt collection
product: Debt collection
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Debt collection

**1,123,415** complaints (7.0% of all CFPB complaints), across **5,402** companies. Companies gave a timely response **96.5%** of the time.

**How to read this:** complaint volume tracks how many people use a product and how large its companies are — **not** how "bad" it is (credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 1 raw CFPB product label: Debt collection.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| Attempts to collect debt not owed | 449,629 |
| Written notification about debt | 219,177 |
| Took or threatened to take negative or legal action | 132,348 |
| False statements or representation | 114,470 |
| Communication tactics | 75,840 |
| Cont'd attempts collect debt not owed | 60,521 |

## Companies most complained about (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely response |
| --- | --- | --- |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 55,810 | 100.0% |
| EQUIFAX, INC. | 54,747 | 99.9% |
| Experian Information Solutions Inc. | 49,825 | 100.0% |
| ENCORE CAPITAL GROUP INC. | 49,526 | 100.0% |
| Resurgent Capital Services L.P. | 48,187 | 100.0% |
| Portfolio Recovery Associates, LLC | 47,915 | 98.9% |
| CL Holdings LLC | 36,193 | 100.0% |
| CCS Financial Services, Inc. | 21,131 | 84.6% |
| I.C. System, Inc. | 18,246 | 99.9% |
| CAPITAL ONE FINANCIAL CORPORATION | 16,888 | 99.9% |
| TRANSWORLD SYSTEMS INC | 16,071 | 99.9% |
| National Credit Systems,Inc. | 15,340 | 98.5% |
| Kriya Capital, LLC | 13,373 | 99.9% |
| SYNCHRONY FINANCIAL | 12,602 | 99.6% |
| CITIBANK, N.A. | 11,970 | 100.0% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/debt-collection.jsonld`