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

CFPB complaint data Grade D 778 complaints

JH Portfolio Debt Equities, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about JH Portfolio Debt Equities, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 55.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: JH Portfolio Debt Equities, LLC ranks ahead of 26% of the 5,283 collectors PlainCollector grades - 74% keep a cleaner CFPB record, on 778 all-time complaints and a 97% timely-response rate.

26th pct
reputation rank of 5,283 graded collectors
778
CFPB complaints, all-time
97%
answered inside the CFPB window
2
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 JH Portfolio Debt Equities, LLC?

JH Portfolio Debt Equities, LLC has accumulated 778 total CFPB complaints across 50 states, with 2 filed in the most recent 12 months against 776 historical complaints before that window. The trailing-12-month volume represents 0.3% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 97% timely-response rate against a 19% consumer-dispute-after-response rate.

Complaints have been recorded across 50 states, led by California with 107 and Texas with 106. Normalized against the full CFPB collector database, the reputation score of 55.4/100 places JH Portfolio Debt Equities, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

778

mid-volume (CCDB)

Last 12 months

2

0.3% of all-time complaints

Falling ↓

States active

50

nationwide footprint

Timely response rate

97%

excellent band

Consumer disputes

19%

average (vertical avg ~19%)

Reputation grade

D

55.4/100 composite

How does JH Portfolio Debt Equities, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

55 26th percentile higher than 26% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

JH Portfolio Debt Equities, LLC versus the debt-collection vertical average.

Timely response within SLA 96.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 19.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 89.3%

Share of US states + territories with at least one filed complaint against this collector.

How does JH Portfolio Debt Equities, LLC compare to its peers?

How does JH Portfolio Debt Equities, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
JH Portfolio Debt Equi… National average
Complaints (last 12 mo)lower is better
2
126
268
Timely-response ratehigher is better
97%
80%
91%
Consumer-dispute ratelower is better
19%
23%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-01 2025-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Cont'd attempts collect debt not owed - 180
Attempts to collect debt not owed - 155
Disclosure verification of debt - 114
Written notification about debt - 111
Communication tactics - 93
False statements or representation - 45
Took or threatened to take negative or legal action - 31
Improper contact or sharing of info - 27
Taking/threatening an illegal action - 12
Threatened to contact someone or share information improperly - 10

Where do complaints against JH Portfolio Debt Equities, LLC come from?

JH Portfolio Debt Equities, LLC's own per-state count, not a national baseline.

Top states by complaints against JH Portfolio Debt Equities, LLC

Across 50 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if JH Portfolio Debt Equities, LLC contacts you

A grade of D signals how JH Portfolio Debt Equities, LLC'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 JH Portfolio Debt Equities, LLC 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 JH Portfolio Debt Equities, LLC 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 JH Portfolio Debt Equities, LLC? ▼

The most common issue consumers report about JH Portfolio Debt Equities, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 778 complaints filed with the CFPB.

Are complaints against JH Portfolio Debt Equities, LLC increasing or decreasing? ▼

Complaints against JH Portfolio Debt Equities, LLC are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is JH Portfolio Debt Equities, LLC's reputation grade? ▼

JH Portfolio Debt Equities, LLC has a reputation grade of D (score: 55.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does JH Portfolio Debt Equities, LLC respond to consumer complaints? ▼

JH Portfolio Debt Equities, LLC has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does JH Portfolio Debt Equities, LLC operate? ▼

JH Portfolio Debt Equities, LLC has received CFPB complaints from consumers in 50 states, with the most complaints from California (107 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.