Total CFPB complaints
174
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 174 complaints
CONGRESS COLLECTION CORP — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CONGRESS COLLECTION CORP
- Attempts to collect debt not owed
Attempts to collect debt not owed
80 complaints
- Written notification about debt
Written notification about debt
45 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Communication tactics 11
Communication tactics
11 complaints
C
Grade C · 60.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CONGRESS COLLECTION CORP?
CONGRESS COLLECTION CORP has accumulated 174 total CFPB complaints across 14 states, with 0 filed in the most recent 12 months against 174 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 97% timely-response rate against a 11% 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 14 states, led by Michigan with 155 and Illinois with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.4/100 places CONGRESS COLLECTION CORP in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
14
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
C
60.4/100 composite
Response-quality profile
How CONGRESS COLLECTION CORP performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 22.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does CONGRESS COLLECTION CORP compare to its peers?
CONGRESS COLLECTION CO… 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)
2022-05 2024-12
Top Consumer Issues
Attempts to collect debt not owed80 (%)
Written notification about debt45 (%)
Took or threatened to take negative or legal action14 (%)
False statements or representation11 (%)
Communication tactics11 (%)
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 | 41 |
| Written notification about debt | Didn't receive enough information to verify debt | 30 |
| Attempts to collect debt not owed | Debt was paid | 20 |
| Attempts to collect debt not owed | Debt was result of identity theft | 19 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
Where do complaints against CONGRESS COLLECTION CORP come from?
The states where consumers have filed the most CFPB complaints against CONGRESS COLLECTION CORP. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CONGRESS COLLECTION CORP
Across 14 states with at least one filing
- Michigan
Michigan
155 complaints
- Illinois 4
Illinois
4 complaints
- Ohio 3
Ohio
3 complaints
- Florida 2
Florida
2 complaints
- Arkansas 1
Arkansas
1 complaints
- Alabama 1
Alabama
1 complaints
- California 1
California
1 complaints
- Iowa 1
Iowa
1 complaints
Frequently Asked Questions
What is the most common complaint against CONGRESS COLLECTION CORP? ▼
The most common issue consumers report about CONGRESS COLLECTION CORP is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 174 complaints filed with the CFPB.
Are complaints against CONGRESS COLLECTION CORP increasing or decreasing? ▼
Complaints against CONGRESS COLLECTION CORP are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is CONGRESS COLLECTION CORP's reputation grade? ▼
CONGRESS COLLECTION CORP has a reputation grade of C (score: 60.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does CONGRESS COLLECTION CORP respond to consumer complaints? ▼
CONGRESS COLLECTION CORP has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.
In how many states does CONGRESS COLLECTION CORP operate? ▼
CONGRESS COLLECTION CORP has received CFPB complaints from consumers in 14 states, with the most complaints from Michigan (155 complaints).
What can I do if CONGRESS COLLECTION CORP 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 CONGRESS COLLECTION CORP 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 |