Total CFPB complaints
3,559
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 3,559 complaints
Harris & Harris, Ltd. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Harris & Harris, Ltd.
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,362 complaints
- Written notification about debt 477
Written notification about debt
477 complaints
- Took or threatened to take negative or legal action 456
Took or threatened to take negative or legal action
456 complaints
- Communication tactics 402
Communication tactics
402 complaints
- False statements or representation 341
False statements or representation
341 complaints
- Cont'd attempts collect debt not owed 78
Cont'd attempts collect debt not owed
78 complaints
D
Grade D · 56.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Harris & Harris, Ltd.?
Harris & Harris, Ltd. has accumulated 3,559 total CFPB complaints across 52 states, with 1,949 filed in the most recent 12 months against 1,610 historical complaints before that window. The trailing-12-month volume represents 54.8% 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 15% 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 52 states, led by Texas with 536 and Illinois with 370, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.4/100 places Harris & Harris, Ltd. 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
1,949
54.8% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
56.4/100 composite
Response-quality profile
How Harris & Harris, Ltd. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Harris & Harris, Ltd. compare to its peers?
Harris & Harris, Ltd. 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 owed1,362 (%)
Took or threatened to take negative or legal action456 (%)
False statements or representation341 (%)
Written notification about debt477 (%)
Communication tactics402 (%)
Cont'd attempts collect debt not owed78 (%)
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 | 844 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 456 |
| False statements or representation | Attempted to collect wrong amount | 341 |
| Attempts to collect debt not owed | Debt was result of identity theft | 329 |
| Written notification about debt | Didn't receive enough information to verify debt | 304 |
| Communication tactics | Frequent or repeated calls | 284 |
| Attempts to collect debt not owed | Debt was paid | 189 |
| Written notification about debt | Didn't receive notice of right to dispute | 173 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 118 |
| Cont'd attempts collect debt not owed | Debt is not mine | 78 |
Where do complaints against Harris & Harris, Ltd. come from?
The states where consumers have filed the most CFPB complaints against Harris & Harris, Ltd.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Harris & Harris, Ltd.
Across 52 states with at least one filing
- Texas
Texas
536 complaints
- Illinois
Illinois
370 complaints
- Florida
Florida
305 complaints
- California
California
270 complaints
- Georgia 207
Georgia
207 complaints
- Indiana 141
Indiana
141 complaints
- Maryland 134
Maryland
134 complaints
- Pennsylvania 130
Pennsylvania
130 complaints
Frequently Asked Questions
What is the most common complaint against Harris & Harris, Ltd.? ▼
The most common issue consumers report about Harris & Harris, Ltd. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3,559 complaints filed with the CFPB.
Are complaints against Harris & Harris, Ltd. increasing or decreasing? ▼
Complaints against Harris & Harris, Ltd. are rising. The company received 1,949 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Harris & Harris, Ltd.'s reputation grade? ▼
Harris & Harris, Ltd. has a reputation grade of D (score: 56.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Harris & Harris, Ltd. respond to consumer complaints? ▼
Harris & Harris, Ltd. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does Harris & Harris, Ltd. operate? ▼
Harris & Harris, Ltd. has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (536 complaints).
What can I do if Harris & Harris, Ltd. 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 Harris & Harris, Ltd. 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 |