Total CFPB complaints
126
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 126 complaints
LDF Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about LDF Holdings, LLC
- Communication tactics
Communication tactics
39 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
19 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
17 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
- False statements or representation 5
False statements or representation
5 complaints
C
Grade C · 64.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about LDF Holdings, LLC?
LDF Holdings, LLC has accumulated 126 total CFPB complaints across 30 states, with 12 filed in the most recent 12 months against 114 historical complaints before that window. The trailing-12-month volume represents 9.5% 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 "Communication tactics", narrowing to "Frequent or repeated calls", 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 against a 0% 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 30 states, led by California with 22 and Florida with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.7/100 places LDF Holdings, LLC 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
12
9.5% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.7/100 composite
Response-quality profile
How LDF Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does LDF Holdings, LLC compare to its peers?
LDF Holdings, LLC 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 2026-03
Top Consumer Issues
Communication tactics39 (%)
Attempts to collect debt not owed19 (%)
Threatened to contact someone or share information improperly17 (%)
Took or threatened to take negative or legal action8 (%)
False statements or representation5 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 13 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 11 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 10 |
| Communication tactics | Called after sent written cease of comm | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Threatened to contact someone or share information improperly | Contacted your employer | 7 |
| Communication tactics | Called before 8am or after 9pm | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
Where do complaints against LDF Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against LDF Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against LDF Holdings, LLC
Across 30 states with at least one filing
- California
California
22 complaints
- Florida
Florida
21 complaints
- Texas
Texas
9 complaints
- Michigan
Michigan
9 complaints
- Ohio 7
Ohio
7 complaints
- Illinois 5
Illinois
5 complaints
- Arizona 5
Arizona
5 complaints
- North Carolina 4
North Carolina
4 complaints
Frequently Asked Questions
What is the most common complaint against LDF Holdings, LLC? ▼
The most common issue consumers report about LDF Holdings, LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 126 complaints filed with the CFPB.
Are complaints against LDF Holdings, LLC increasing or decreasing? ▼
Complaints against LDF Holdings, LLC are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is LDF Holdings, LLC's reputation grade? ▼
LDF Holdings, LLC has a reputation grade of C (score: 64.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does LDF Holdings, LLC respond to consumer complaints? ▼
LDF Holdings, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does LDF Holdings, LLC operate? ▼
LDF Holdings, LLC has received CFPB complaints from consumers in 30 states, with the most complaints from California (22 complaints).
What can I do if LDF Holdings, 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 LDF Holdings, 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 |