Total CFPB complaints
152
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 152 complaints
Goal Structured Solutions, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Goal Structured Solutions, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
67 complaints
- Took or threatened to take negative or legal action 23
Took or threatened to take negative or legal action
23 complaints
- False statements or representation 20
False statements or representation
20 complaints
- Written notification about debt 17
Written notification about debt
17 complaints
- Communication tactics 9
Communication tactics
9 complaints
F
Grade F · 51.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Goal Structured Solutions, LLC?
Goal Structured Solutions, LLC has accumulated 152 total CFPB complaints across 29 states, with 86 filed in the most recent 12 months against 66 historical complaints before that window. The trailing-12-month volume represents 56.6% 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 98% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 29 states, led by California with 37 and Texas with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.5/100 places Goal Structured Solutions, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
86
56.6% of total history
Rising ↑
States active
29
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Reputation grade
F
51.5/100 composite
Response-quality profile
How Goal Structured Solutions, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Goal Structured Solutions, LLC compare to its peers?
Goal Structured Soluti… 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)
2024-02 2026-03
Top Consumer Issues
Attempts to collect debt not owed67 (%)
Took or threatened to take negative or legal action23 (%)
False statements or representation20 (%)
Written notification about debt17 (%)
Communication tactics9 (%)
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 | 36 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 23 |
| False statements or representation | Attempted to collect wrong amount | 20 |
| Attempts to collect debt not owed | Debt was result of identity theft | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 7 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Communication tactics | Frequent or repeated calls | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against Goal Structured Solutions, LLC come from?
The states where consumers have filed the most CFPB complaints against Goal Structured Solutions, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Goal Structured Solutions, LLC
Across 29 states with at least one filing
- California
California
37 complaints
- Texas
Texas
20 complaints
- Arizona 12
Arizona
12 complaints
- Florida 12
Florida
12 complaints
- Illinois 8
Illinois
8 complaints
- Georgia 7
Georgia
7 complaints
- Massachusetts 5
Massachusetts
5 complaints
- South Carolina 5
South Carolina
5 complaints
Frequently Asked Questions
What is the most common complaint against Goal Structured Solutions, LLC? ▼
The most common issue consumers report about Goal Structured Solutions, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 152 complaints filed with the CFPB.
Are complaints against Goal Structured Solutions, LLC increasing or decreasing? ▼
Complaints against Goal Structured Solutions, LLC are rising. The company received 86 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Goal Structured Solutions, LLC's reputation grade? ▼
Goal Structured Solutions, LLC has a reputation grade of F (score: 51.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Goal Structured Solutions, LLC respond to consumer complaints? ▼
Goal Structured Solutions, LLC has a 98% timely response rate to CFPB complaints.
In how many states does Goal Structured Solutions, LLC operate? ▼
Goal Structured Solutions, LLC has received CFPB complaints from consumers in 29 states, with the most complaints from California (37 complaints).
What can I do if Goal Structured Solutions, 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 Goal Structured Solutions, 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 |