What is the most common complaint against CL Holdings LLC?

The most common issue consumers report about CL Holdings LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 37,522 complaints filed with the CFPB.

Are complaints against CL Holdings LLC increasing or decreasing?

Complaints against CL Holdings LLC are rising. The company received 20,433 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is CL Holdings LLC's reputation grade?

CL Holdings LLC has a reputation grade of C (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CL Holdings LLC respond to consumer complaints?

CL Holdings LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does CL Holdings LLC operate?

CL Holdings LLC has received CFPB complaints from consumers in 54 states, with the most complaints from Texas (5,674 complaints).

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

CL Holdings LLC - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade C.

Compiled by PlainCollector

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

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 #3132

VOL 37,522
GRADE C
12MO 20,433
STATES 54
TIMELY 100%
DISPUTE 7%
ISSUE Attempts to collect debt n…
RANK #7
COMPOSE #3,132

Volume peers

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

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 →

Filing geometry

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

Volume rank #7 and composite rank #3,132 diverge by 3,125 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #7 volume; #3,132 composite; Cleanest-composite ladder is 3,125 places worse than volume

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

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

5,674
Florida

4,049
Georgia

3,480
California

3,045
Illinois

1,687
South Carolina

1,526
Pennsylvania

1,349
Alabama

1,279

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.