Total CFPB complaints
29,126
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 29,126 complaints
CL Holdings LLC — Debt Collector Complaint Profile
CFPB complaint profile across 54 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CL Holdings LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
13,223 complaints
- Written notification about debt 5,197
Written notification about debt
5,197 complaints
- False statements or representation 4,099
False statements or representation
4,099 complaints
- Took or threatened to take negative or legal action 3,610
Took or threatened to take negative or legal action
3,610 complaints
- Communication tactics 687
Communication tactics
687 complaints
D
Grade D · 58.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CL Holdings LLC?
CL Holdings LLC has accumulated 29,126 total CFPB complaints across 54 states, with 15,048 filed in the most recent 12 months against 14,078 historical complaints before that window. The trailing-12-month volume represents 51.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 54 states, led by Texas with 4,229 and Florida with 3,107, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.2/100 places CL Holdings LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
15,048
51.7% of total history
Rising ↑
States active
54
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
D
58.2/100 composite
Response-quality profile
How CL Holdings LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 14.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 96.4%
Share of US states + territories with at least one filed complaint against this collector.
How does CL Holdings LLC compare to its peers?
CL Holdings LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed13,223 (%)
False statements or representation4,099 (%)
Took or threatened to take negative or legal action3,610 (%)
Written notification about debt5,197 (%)
Communication tactics687 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 8,360 |
| False statements or representation | Attempted to collect wrong amount | 4,099 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3,674 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3,610 |
| Written notification about debt | Didn't receive enough information to verify debt | 3,317 |
| Written notification about debt | Didn't receive notice of right to dispute | 1,880 |
| Attempts to collect debt not owed | Debt was paid | 880 |
| Communication tactics | Frequent or repeated calls | 368 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 319 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 309 |
Where do complaints against CL Holdings LLC come from?
The states where consumers have filed the most CFPB complaints against CL Holdings LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CL Holdings LLC
Across 54 states with at least one filing
- Texas
Texas
4,229 complaints
- Florida
Florida
3,107 complaints
- Georgia
Georgia
2,794 complaints
- California
California
2,480 complaints
- Illinois 1,260
Illinois
1,260 complaints
- Pennsylvania 1,107
Pennsylvania
1,107 complaints
- South Carolina 1,093
South Carolina
1,093 complaints
- New York 896
New York
896 complaints
Frequently Asked Questions
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 29,126 complaints filed with the CFPB.
Are complaints against CL Holdings LLC increasing or decreasing? ▼
Complaints against CL Holdings LLC are rising. The company received 15,048 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 D (score: 58.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (4,229 complaints).
What can I do if CL Holdings LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CL Holdings LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |