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

CFPB complaint data Grade C 174 complaints

Congress Collection Corp - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade C.

Complaints by issue type

What consumers report about Congress Collection Corp

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 60.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Congress Collection Corp ranks ahead of 44% of the 5,283 collectors PlainCollector grades - 56% keep a cleaner CFPB record, on 174 all-time complaints and a 97% timely-response rate.

44th pct
reputation rank of 5,283 graded collectors
174
CFPB complaints, all-time
97%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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". The company posts a 97% timely-response rate against a 11% consumer-dispute-after-response rate.

Complaints have been recorded across 14 states, led by Michigan with 155 and Illinois with 4. Normalized against the full CFPB collector database, the reputation score of 60.4/100 places Congress Collection Corp in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

174

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

14

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

11%

average (vertical avg ~19%)

Reputation grade

C

60.4/100 composite

How does Congress Collection Corp's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 44th percentile higher than 44% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Congress Collection Corp versus the debt-collection vertical average.

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) 11.1%
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?

How does CONGRESS COLLECTION CORP compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
CONGRESS COLLECTION CO… National average
Complaints (last 12 mo)lower is better
0
29
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
11%
31%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-11 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 81
Written notification about debt - 47
Took or threatened to take negative or legal action - 16
Communication tactics - 12
False statements or representation - 11
Cont'd attempts collect debt not owed - 3
Disclosure verification of debt - 2
Threatened to contact someone or share information improperly - 1
Improper contact or sharing of info - 1

Where do complaints against Congress Collection Corp come from?

Congress Collection Corp's own per-state count, not a national baseline.

Top states by complaints against Congress Collection Corp

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Congress Collection Corp contacts you

A grade of C signals how Congress Collection Corp's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Congress Collection Corp and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Congress Collection Corp ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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

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.