CFPB complaint rankings
Debt collector rankings
Worst-rated collectors, highest-complaint states, and the most-complained-about tactics, ranked across 1,139,236 CFPB complaints.
- Complaints
- 1.1M
- Collectors
- 5,425
- States
- 56
According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each ranking from this data.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Explore & compare collectors
Search the CFPB database, filter this list by grade, or open the side-by-side comparison tool. Saved collectors stay in your browser only.
These rankings draw from the CFPB Consumer Complaint Database, the only continuously updated federal record of consumer-submitted complaints against debt-collection companies, credit-reporting agencies, and financial-services firms. Volume alone does not tell the full story, the largest national collectors handle millions of accounts, so absolute complaint counts are partly a function of portfolio size. Our reputation grade adjusts for total volume and weights timely-response rate, consumer-dispute rate, and complaint trend alongside raw complaint count to surface the collectors most consistently associated with harassment, verification failures, misrepresentation, or unauthorized contact behavior.
Grade-F collectors share two recurring patterns. First, weaker timely-response and higher consumer-dispute rates than the fleet median, a larger share of complaints answered late or with a response the consumer flagged as inadequate. Second, the dominant complaint issues cluster around the same FDCPA themes: attempting to collect on already-paid or already-discharged debt, contacting third parties, contacting consumers at work after a documented request to stop, and threatening lawsuits the company has no intention to file. Each detail page shows the per-issue breakdown so consumers can verify whether their experience matches the documented pattern before deciding whether to file their own CFPB complaint.
State-level patterns reveal a separate dynamic. States with higher uninsured rates, weaker debt-collection licensing regimes, or larger populations of medical-debt consumers (Texas, Florida, Georgia, North Carolina) generate disproportionate complaint volume regardless of which national collectors operate there. The state rankings below are ordered by total complaint volume; because raw volume closely tracks population, the largest states dominate. Where state population data is available, each state page also reports the population-adjusted rate (complaints per 100,000 residents), which surfaces smaller states with active enforcement. Click any state to see the per-collector breakdown within that jurisdiction.
Three named topic pages drill deeper. The recent-12-month leaderboard identifies collectors whose complaint volume is accelerating, not just historically high. The collection-tactics page ranks the underlying FDCPA-violation themes by total federal complaints across the entire collection industry, useful for understanding which behaviors are most likely to trigger a CFPB submission. The per-state complaint volume page exposes the geography of debt-collection friction. All three pages refresh when the underlying CFPB snapshot refreshes (typically within 30 days of each upstream release).
How the 5,278 graded collectors are distributed
Grades are assigned on a curve, A through F
- A
A
1,059 collectors
- B
B
1,058 collectors
- C
C
1,064 collectors
- D
D
1,043 collectors
- F
F
1,054 collectors
What this shows Each grade holds about a fifth of all 5,278 graded collectors, a grade is a collector's rank against its peers, not an absolute pass/fail score. The rankings below surface the worst performers within that curve.
Top Collectors by Complaint Volume
40 shownNo collectors match this filter. Try a different grade or clear the name filter.
States by Total Complaints
All states →Texas
172,149Florida
124,524California
112,020Georgia
85,576New York
53,744Illinois
41,794Pennsylvania
40,073North Carolina
38,233New Jersey
30,806Ohio
30,195South Carolina
28,151Virginia
27,934Michigan
26,445Arizona
25,734Maryland
25,302Louisiana
22,643Tennessee
21,990Alabama
21,381Missouri
16,438Nevada
15,389Washington
14,503Indiana
14,412Massachusetts
13,646Mississippi
11,959Colorado
11,327Grade Distribution
Topic Rankings
Pre-built ranking pages drawn directly from the CFPB Consumer Complaint Database. Each page is updated when our data snapshot refreshes.
Top Collectors by Recent Complaints
Twelve highest-complaint debt collectors and credit-reporting agencies in the trailing 12-month window.
Most Complained-About Tactics
CFPB complaint categories ranked by total volume across all reporting collectors.
States With Highest Complaint Volume
U.S. states ranked by aggregate CFPB complaint volume against debt collectors.
Frequently Asked Questions
How are reputation grades calculated?
Each company earns a grade A through F based on a composite score that combines four signals: total CFPB complaint volume (normalized against company activity for size-adjusted comparison), timely-response rate (the share of complaints answered within the 15-day federal window), consumer-dispute rate (the share of company responses consumers flagged as inadequate), and complaint trend (whether recent volume is rising, stable, or falling). Collectors are then ranked on that composite and split into five equal bands, each grade, A through F, holds about a fifth of all 5,278 graded collectors, so a grade reflects a collector's standing relative to its peers rather than an absolute threshold.
Do complaints prove the collector did something wrong?
No. CFPB complaints are consumer-submitted reports, not adjudicated regulator findings. A high complaint count signals that consumers believed something was wrong often enough to file with the federal government, but the underlying conduct may be a misunderstanding, an identity error, a credit-reporting data quality issue, or a legitimate dispute the collector ultimately resolved in the consumer's favor. These rankings are a starting point for further research, not a verdict.
Why are credit-reporting agencies on a debt-collector ranking?
The CFPB Consumer Complaint Database tags complaints by the named company. Equifax, TransUnion, and Experian sit at the center of the consumer-credit dispute workflow, when a consumer disputes a collection trade-line, the complaint often names the bureau alongside the underlying collector. They appear in our rankings because they appear in the federal dataset, and excluding them would distort the complaint-volume picture. Their dominant complaint category is "incorrect information on your report", which is materially different from FDCPA harassment complaints against third-party collectors.
How often is this data updated?
We refresh our PlainCollector database from the CFPB public dataset roughly every 30 days. The CFPB itself updates the underlying database daily, but their data lag (complaints take 60-90 days to fully propagate through the company-response cycle) means more frequent refreshes on our end would not add information. Each company detail page shows the snapshot vintage at the bottom of the page.
Can I file my own CFPB complaint?
Yes. Visit consumerfinance.gov/complaint to file directly with the federal agency. The CFPB will forward your complaint to the named company, which must respond within 15 days. Naming the specific tactic (drawn from the tactics page) improves the response quality. Your complaint becomes part of the public dataset that powers these rankings, you are both a beneficiary and a contributor to the federal record.
Source: Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database · 2013-2026 Rankings derived from per-collector complaint counts and timely-response rates from CFPB Consumer Complaint Database public records.
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.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |