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

CFPB complaint data Grade C 129 complaints

LDF Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade C.

Complaints by issue type

What consumers report about LDF Holdings, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 64.7/100 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: LDF Holdings, LLC ranks ahead of 58% of the 5,283 collectors PlainCollector grades - 42% keep a cleaner CFPB record, on 129 all-time complaints and a 98% timely-response rate.

58th pct
reputation rank of 5,283 graded collectors
129
CFPB complaints, all-time
98%
answered inside the CFPB window
12
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 LDF Holdings, LLC?

LDF Holdings, LLC has accumulated 129 total CFPB complaints across 30 states, with 12 filed in the most recent 12 months against 117 historical complaints before that window. The trailing-12-month volume represents 9.3% 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 "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 98% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 30 states, led by California with 22 and Florida with 22. Normalized against the full CFPB collector database, the reputation score of 64.7/100 places LDF Holdings, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

129

mid-volume (CCDB)

Last 12 months

12

9.3% of all-time complaints

Falling ↓

States active

30

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

64.7/100 composite

How does LDF Holdings, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

65 58th percentile higher than 58% 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

LDF Holdings, LLC versus the debt-collection vertical average.

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?

How does LDF Holdings, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
LDF Holdings, LLC National average
Complaints (last 12 mo)lower is better
12
23
268
Timely-response ratehigher is better
98%
98%
91%
Consumer-dispute ratelower is better
0%
11%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-03 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 43
Attempts to collect debt not owed - 27
Threatened to contact someone or share information improperly - 21
Took or threatened to take negative or legal action - 19
False statements or representation - 9
Written notification about debt - 7
Cont'd attempts collect debt not owed - 1
Disclosure verification of debt - 1
Improper contact or sharing of info - 1

Where do complaints against LDF Holdings, LLC come from?

LDF Holdings, LLC's own per-state count, not a national baseline.

Top states by complaints against LDF Holdings, LLC

Across 30 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if LDF Holdings, LLC contacts you

A grade of C signals how LDF Holdings, 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 LDF Holdings, 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 LDF Holdings, 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 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 129 complaints filed with the CFPB.

Are complaints against LDF Holdings, LLC increasing or decreasing? ▼

Complaints against LDF Holdings, LLC are falling. The company received 12 complaints in the last 12 months, showing improvement over prior periods.

What is LDF Holdings, LLC's reputation grade? ▼

LDF Holdings, LLC has a reputation grade of C (score: 64.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.