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

# CFPB complaints — Debt or credit management

**9,147** complaints (0.1% of all CFPB complaints), across **921** companies. Companies gave a timely response **91.3%** 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 or credit management.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| Didn't provide services promised | 2,465 |
| Confusing or missing disclosures | 1,857 |
| Charged upfront or unexpected fees | 1,487 |
| Problem with customer service | 1,277 |
| Confusing or misleading advertising or marketing | 1,047 |
| Unauthorized withdrawals or charges | 1,014 |

## 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 |
| --- | --- | --- |
| John C. Heath, Attorney at Law, PLLC | 825 | 89.4% |
| Experian Information Solutions Inc. | 682 | 100.0% |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 448 | 100.0% |
| EQUIFAX, INC. | 428 | 100.0% |
| ENCORE CAPITAL GROUP INC. | 284 | 100.0% |
| NATIONAL DEBT RELIEF LLC | 266 | 86.9% |
| Consumer Financial Services Solutions, Inc. | 256 | 72.3% |
| FREEDOM FINANCIAL NETWORK | 210 | 99.1% |
| CAPITAL ONE FINANCIAL CORPORATION | 190 | 100.0% |
| Resurgent Capital Services L.P. | 156 | 100.0% |
| Kikoff Inc. | 143 | 100.0% |
| Portfolio Recovery Associates, LLC | 110 | 97.3% |
| The J. G. Wentworth Company | 105 | 100.0% |
| CL Holdings LLC | 103 | 100.0% |
| Block, Inc. | 96 | 97.9% |

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-or-credit-management.jsonld`