Top 10 US Debt Collectors by Recent (12-Month) CFPB Complaint Trend

PlainCollector ranks debt-collection companies by complaint volume in the most recent 12 months, surfacing the operators most active in current CFPB consumer reports relative to legacy historical totals.

Research period:

Research question

Among the debt collectors tracked in CFPB's database, which carry the highest current complaint trend over the most recent 12 months, and how does the recent trend compare to the company's cumulative historical total?

Methodology

This ranking reflects the data currently in our database, sourced from the agency referenced in the citation below and updated automatically as new filings are processed.

Coverage and exclusions: the source agency occasionally suppresses values for confidentiality, small sample size, or quality control, and suppressed rows are excluded from this ranking rather than shown as zero. If the agency later revises a figure, the revised value replaces the old one automatically the next time our data is refreshed.

Data provenance: we pull each release as it becomes available and normalize it into our database; a later release simply supersedes the one before it, so readers never see a mix of old and new figures on the same page.

Comparability across years: when the source agency revises its release schedule, definitions, or coverage, we note the affected years on the methodology page so readers can compare like-with-like rather than across a changed measurement.

Editorial governance: this page is generated programmatically from the CFPB dataset described above, not hand-authored or individually reviewed - editorial work goes into the pipeline, methodology, and corrections process (see our editorial policy). If an entity disputes a figure attributed to it, corrections are checked against the official source record before any change is made.

Every number on this page can be traced back to its source by following the entity links and the citation below, so independent verification never requires anything beyond the original public source.

See the methodology page for the complete ETL pipeline, source vintage, and column lineage.

Top 10 US Debt Collectors by Recent (12-Month) CFPB Complaint Trend

Live data: reflects the current dataset

complaints
Source U.S. Consumer Financial Protection Bureau As of 2013–2026

The ranked top 10

Every row below reflects the current 10-record dataset. Reload the page after new data is processed to see the latest values.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing. Complaint volume also tracks company size, a larger collector will naturally rank higher regardless of its actual conduct.

# Company Complaints, last 12 months Cumulative total Reputation grade
1 CL Holdings LLC 20,433 37,522 D
2 Resurgent Capital Services L.P. 18,544 49,061 D
3 Encore Capital Group Inc. 18,209 50,437 D
4 Transunion Intermediate Holdings, Inc. 17,761 56,286 D
5 Equifax, Inc. 17,512 55,160 D
6 Portfolio Recovery Associates, LLC 16,491 48,745 D
7 Experian Information Solutions Inc. 14,628 50,287 D
8 CCS Financial Services, Inc. 8,827 21,515 F
9 Kriya Capital, LLC 6,512 13,730 D
10 I.C. System, Inc. 5,990 18,629 D

Source: U.S. Consumer Financial Protection Bureau, CFPB Consumer Complaint Database (12-month windowed). Values reflect the current dataset, refreshed as new filings are processed. U.S. Consumer Financial Protection Bureau, CFPB Consumer Complaint Database (12-month windowed). Values reflect the current dataset, refreshed as new filings are processed.

Findings

Top entity in the ranking

The top-ranked record in this dataset is CL Holdings LLC, with a value of 20,433 on the Complaints, last 12 months column. The full top-10 set is rendered in the table above. Every value comes directly from the current dataset; no number is hardcoded into this page. When the source agency publishes a revision, the ranking and the prose around it update automatically.

Distribution shape

The gap between the top-ranked record (20,433) and the 10th-ranked record (5,990) characterizes how concentrated the top of the distribution is. Where the top value is many multiples of the median value of the visible set, the population is highly concentrated, a small number of entities accumulate the bulk of the measured quantity. Where the top and bottom of the visible set are close together, the distribution is relatively flat across the top end. The full distribution beyond this top-10 cut is summarized in the aggregate context section below and explored in the linked entity profiles.

Aggregate context

Across the full population behind this ranking, here are the summary statistics: how many records exist in total, the sum of the ranking metric across all qualifying records, and the mean per-record value. The methodology page documents the exact filter applied (records with null or zero values on the ranking metric are excluded). This aggregate row is computed from the same dataset that powers the ranking above.

Source provenance

The records in this ranking originate from U.S. Consumer Financial Protection Bureau, specifically the CFPB Consumer Complaint Database (12-month windowed). PlainCollector ingests the source vintage published by the agency and keeps this page current, there is no static export carrying stale numbers, and a newly published dataset is reflected here within hours. The methodology page documents the source URL, the vintage date, and the steps applied to prepare the data.

Why this ranking matters

Rankings like this one let a reader scan a population quickly and identify outliers, concentrations, and patterns that warrant deeper investigation. The detail pages linked from each entity in the table above give the full per-entity context: time-series history where available, related metrics from adjacent tables, and links onward to the underlying source records. The methodology page explains how an entity earns inclusion in the dataset and how the ranking column is computed at the source.

What this analysis cannot tell us

The 12-month complaint window is a rolling window relative to the most recent CFPB data refresh captured in the PlainCollector database, not a fixed calendar year. Companies that have substantially grown their consumer-facing operation in the past year will surface in this ranking even if their total cumulative complaint history is shorter than competitors. Conversely, companies that have wound down active collection operations may carry large cumulative totals but a low 12-month volume. Comparison of the recent and cumulative columns is the most useful way to read this ranking, a company that is high on both is structurally large; a company that is high on recent but low on cumulative is rapidly growing; a company that is high on cumulative but low on recent is winding down or has reduced its complaint generation. The composite reputation score on the secondary chart is a PlainCollector-computed signal that combines complaint volume, response timeliness, and dispute rates into a single normalized score; the methodology page documents the exact formula.

Secondary cut from the same source

Top 10 by PlainCollector composite reputation score (higher = better)

score
Source U.S. Consumer Financial Protection Bureau As of 2013–2026

Related data

Sources

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.