This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 37,522 complaints

CL Holdings LLC - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade C.

Complaints by issue type

What consumers report about CL Holdings LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record cl-holdings-llc CL Holdings LLC

Grade C · 37,522 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #7 · compose #75

  • VOL 37,522
  • GRADE C
  • 12MO 20,433
  • STATES 54
  • TIMELY 100%
  • DISPUTE 7%
  • ISSUE Attempts to collect debt n…
  • RANK #7
  • COMPOSE #75

Volume peers

Nearest volume peer: Portfolio Recovery Associates, LLC (48,745 complaints)

CL Holdings LLC (this)CL Holdings LLC (this)37,522Portfolio Recovery Associates, LLCPortfolio Recovery Associate…48,745Resurgent Capital Services L.P.Resurgent Capital Services L…49,061Experian Information Solutions Inc.Experian Information Solutio…50,287Encore Capital Group Inc.Encore Capital Group Inc.50,437
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CL Holdings LLC's 37,522 CFPB complaints sit next to Portfolio Recovery Associates, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 37,522 complaints break down

Every complaint issue type on record for CL Holdings LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.1/100
CL Holdings LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
37,522
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
7%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for CL Holdings LLC (15.1%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 15.1%
Mid-band (15–30%) · 54 states with ≥1 filing
Seasonal peak
2026-01 9.9%
8–15% band · 9 filings
Corpus ranks
#7 volume
#75 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does CL Holdings LLC compare to its peers?

How does CL Holdings LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
CL Holdings LLC National average
Complaints (last 12 mo)lower is better
20,433
16,491
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
7%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy CL Holdings LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) CL Holdings LLC vs. 10 similar-volume peers, by response speed and dispute rate CL Holdings LLCPortfolio Recovery Associates, LLCResurgent Capital Services L.P.Experian Information Solutions Inc.ENCORE CAPITAL GROUP INC.CCS Financial Services, Inc.EQUIFAX, INC.TRANSUNION INTERMEDIATE HOLDINGS, INC.I.C. System, Inc.CAPITAL ONE FINANCIAL CORPORATIONTRANSWORLD SYSTEMS INC
Source: CFPB Consumer Complaint Database

CL Holdings LLC's complaint volume in context

CL Holdings LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

37,522 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. CL Holdings LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-12 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
18,070
Written notification about debt
6,555
Took or threatened to take negative or legal action
5,677
False statements or representation
4,976
Communication tactics
941
Electronic communications
484
Cont'd attempts collect debt not owed
329
Threatened to contact someone or share information improperly
227
Disclosure verification of debt
201
Taking/threatening an illegal action
34

Where do complaints against CL Holdings LLC come from?

CL Holdings LLC's own per-state count, not a national baseline.

Top states by complaints against CL Holdings LLC

Across 54 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CL Holdings LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 37,522.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.97596649042093%.

4 peers

Know your rights before responding to CL Holdings LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.