Debt collectors: complaints and public records
Collectors ranked by debt-collection complaints to the CFPB from 2023-10-01 to 2026-09-30. Each page shows the complaint data and any public enforcement action, from official sources only.
| Company | CFPB complaints | Top issue | Enforcement records found |
|---|---|---|---|
| Resurgent Capital Services L.P. | 40,832 | Attempts to collect debt not owed | 1 |
| CL Holdings LLC | 38,146 | Attempts to collect debt not owed | — |
| Midland Credit Management, Inc. | 35,469 | Attempts to collect debt not owed | 2 |
| Portfolio Recovery Associates, LLC | 32,339 | Attempts to collect debt not owed | 2 |
| CCS Financial Services, Inc. | 16,638 | Attempts to collect debt not owed | — |
| Kriya Capital, LLC | 12,199 | Attempts to collect debt not owed | — |
| I.C. System, Inc. | 12,154 | Attempts to collect debt not owed | — |
| National Credit Systems,Inc. | 11,434 | Attempts to collect debt not owed | 1 |
| Transworld Systems Inc. | 9,834 | Attempts to collect debt not owed | 3 |
| CAINE & WEINER COMPANY, INC. | 8,883 | Attempts to collect debt not owed | — |
| Spring Oaks Capital, LLC | 7,690 | Attempts to collect debt not owed | — |
| Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis | 5,968 | Attempts to collect debt not owed | — |
| National Credit Adjusters, LLC | 5,331 | Attempts to collect debt not owed | 2 |
| Radius Global Solutions LLC | 5,010 | Attempts to collect debt not owed | 1 |
| T.S. Holdings | 4,623 | Attempts to collect debt not owed | — |
| Aldous & Associates, PLLC | 4,291 | Attempts to collect debt not owed | 1 |
| SUNRISE CREDIT SERVICES, INC | 4,272 | Attempts to collect debt not owed | — |
| TrueAccord Corp. | 4,226 | Attempts to collect debt not owed | 1 |
| HW Holding, Inc | 4,108 | Attempts to collect debt not owed | — |
| Harris & Harris, Ltd. | 3,783 | Attempts to collect debt not owed | 1 |
| NCB Management Services Inc. | 3,438 | Attempts to collect debt not owed | — |
| Fair Collections & Outsourcing, Inc. d/b/a FCO | 3,232 | Attempts to collect debt not owed | 2 |
| ProCollect, Inc. | 3,052 | Attempts to collect debt not owed | 1 |
| Southwest Credit Systems, L.P. | 3,019 | Attempts to collect debt not owed | 1 |
| Credit Control, LLC | 2,934 | Attempts to collect debt not owed | — |
| CAVALRY INVESTMENTS, LLC | 2,128 | Attempts to collect debt not owed | — |
Companies with a page have official records beyond complaint counts — the names they collect under, what they do, and any enforcement action. The others are listed with their CFPB figures only.
Across these 26 companies
Together they drew 285,033 debt-collection complaints in the window. The issues consumers chose most often:
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 130,484 | 46% |
| Written notification about debt | 48,764 | 17% |
| Took or threatened to take negative or legal action | 47,223 | 17% |
| False statements or representation | 42,303 | 15% |
| Communication tactics | 9,603 | 3% |
| Electronic communications | 4,546 | 2% |
How the companies closed those complaints:
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 201,001 | 71% |
| Closed with non-monetary relief | 80,886 | 28% |
| In progress | 3,107 | 1% |
| Closed with monetary relief | 37 | 0% |
| Untimely response | 2 | 0% |
The states with the most of these complaints: TX (46,048), FL (32,946), GA (25,404), CA (21,934), IL (11,740), NY (10,168), NC (9,356), PA (8,798). State totals partly track population.
The CFPB publishes complaints after the company responds or after 15 days. It does not verify every fact in a complaint, and complaint counts reflect company size and how many consumers know to complain as well as company conduct.
Which companies drew which complaints
- Highest share of “Attempts to collect debt not owed” complaints (companies with at least 1,000): I.C. System, Inc. (54%), Kriya Capital, LLC (53%), Radius Global Solutions LLC (52%).
- Highest share of “Written notification about debt” complaints (companies with at least 1,000): CAVALRY INVESTMENTS, LLC (21%), T.S. Holdings (19%), Southwest Credit Systems, LP (19%).
- Highest share of “Took or threatened to take negative or legal action” complaints (companies with at least 1,000): Midland Credit Management, Inc. (21%), Portfolio Recovery Associates, LLC (20%), National Credit Adjusters, LLC (20%).
All debt-collection complaints, every company
Across all companies, the CFPB received 693,910 debt-collection complaints in the same window. Where consumers said what kind of debt it was:
| Kind of debt | Complaints | Share of those that said |
|---|---|---|
| Other debt | 99,083 | 32% |
| Credit card debt | 96,360 | 31% |
| Telecommunications debt | 31,133 | 10% |
| Rental debt | 29,574 | 10% |
| Medical debt | 23,342 | 7% |
| Auto debt | 18,040 | 6% |
| Payday loan debt | 7,217 | 2% |
| Private student loan debt | 2,244 | 1% |
| Federal student loan debt | 2,183 | 1% |
| Mortgage debt | 2,116 | 1% |
382,618 complainants chose “I do not know” for the kind of debt. The most common complaint overall was “Attempts to collect debt not owed”.
How to read these numbers
A complaint count reflects how many people chose to file, as the CFPB itself cautions; it is not a measure of how many consumers had a problem. A company that collects on more accounts can draw more complaints at the same rate of problems, so the mix of issues says more about a company than its total. When consumers pick “attempts to collect debt not owed”, they are saying the debt as described is not one they owe — the situation a validation letter is for, because it makes the collector show the debt before collecting.
Method
Counts come from the CFPB Consumer Complaint Database public API, product “Debt collection”, complaints received 2023-10-01 to 2026-09-30, retrieved 2026-10-01. Companies whose main business is not debt collection (credit bureaus, banks, card issuers, lenders) are left out. Enforcement records come only from CFPB, FTC, SEC and state regulator websites.
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Every legal statement above is taken from these official texts, read on 2026-10-01.
This page is general information, not legal advice, and using it does not create an attorney-client relationship. Main AI is not a law firm. Laws change and have exceptions; the linked official text controls. For advice about your situation, contact a licensed attorney or a legal-aid office in your state.