Which jurisdiction has the most CFPB debt-collection complaints?

Texas leads this extract with 172,149 consumer-filed complaints. Absolute volume scales with population and how often residents use the federal channel, not proven misconduct.

Which jurisdiction names the most distinct debt-collection companies in complaints?

Texas leads company breadth with 2,473 distinct companies named in CFPB filings from that residence state. Breadth and volume can diverge, a high-volume state may concentrate complaints in fewer national collectors.

Do complaint counts mean a state has worse collectors?

No. CFPB complaints are consumer-submitted reports, not adjudicated violations. Population, company portfolio size, legal-aid outreach, and awareness of the federal channel all move the counts. Use company-level state pages for response-quality context.

How many jurisdictions does this hub cover?

This table lists 56 states and territories present in the CFPB debt-collection extract. Territories with sparse filings still appear when at least one complaint names that residence state.

Browse by state

Debt Collector Complaints by State

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

56 states and territories, dual rankings by total complaints and distinct companies named

This table groups consumer-filed CFPB debt-collection complaints by the state reported in each filing. Total complaints and distinct companies named answer different descriptive questions, but neither measure establishes misconduct, a legal violation, or the protections available in a state.

The CFPB record does not supply a causal explanation for state-to-state differences. Population, which companies consumers encounter, reporting behavior, and use of the federal complaint channel can all affect the counts. PlainCollector does not use these complaint totals to infer state-law deadlines, licensing requirements, or enforcement.

The Top Collector column identifies the company named in the most CFPB complaints from residents of that state in this dataset. Open a state page to see the underlying company counts and complaint categories; use an official source for any legal question.

All counts derive directly from the public CFPB Consumer Complaint Database. Complaints do not represent proven legal violations, they are consumer-submitted reports that the CFPB forwards to the named company for response. Each company response is logged ("Closed with explanation", "Closed with non-monetary relief", "Closed with monetary relief", "Closed without relief", or "Untimely response"). Our reputation grades weight timely-response rate and relief-rate alongside complaint volume so a high-volume collector that responds well is graded above a smaller collector with a high non-response rate.

Volume vs company breadth

Texas leads absolute volume (172,149 complaints) and also leads company breadth (2,473 distinct companies) in this extract. The paired tables below sort the same jurisdictions both ways. Per-100k rates are omitted here because the current state_rankings extract does not carry a population join.

Highest total complaints

#	State	Complaints
1	Texas	172,149
2	Florida	124,524
3	California	112,020
4	Georgia	85,576
5	New York	53,744
6	Illinois	41,794
7	Pennsylvania	40,073
8	North Carolina	38,233
9	New Jersey	30,806
10	Ohio	30,195
11	South Carolina	28,151
12	Virginia	27,934

Most distinct companies named

#	State	Companies
1	Texas	2,473
2	California	2,387
3	Florida	2,279
4	Georgia	1,879
5	New York	1,598
6	Illinois	1,540
7	Ohio	1,483
8	North Carolina	1,462
9	Pennsylvania	1,429
10	Virginia	1,426
11	Arizona	1,405
12	Michigan	1,317

All jurisdictions (by volume)

#	State	Total Complaints	Companies	Top Collector
1	TexasTX	172,149	2,473	Equifax, Inc.
2	FloridaFL	124,524	2,279	Encore Capital Group Inc.
3	CaliforniaCA	112,020	2,387	Portfolio Recovery Associates, LLC
4	GeorgiaGA	85,576	1,879	Resurgent Capital Services L.P.
5	New YorkNY	53,744	1,598	Transunion Intermediate Holdings, Inc.
6	IllinoisIL	41,794	1,540	Resurgent Capital Services L.P.
7	PennsylvaniaPA	40,073	1,429	Transunion Intermediate Holdings, Inc.
8	North CarolinaNC	38,233	1,462	Equifax, Inc.
9	New JerseyNJ	30,806	1,278	Resurgent Capital Services L.P.
10	OhioOH	30,195	1,483	Resurgent Capital Services L.P.
11	South CarolinaSC	28,151	1,258	CL Holdings LLC
12	VirginiaVA	27,934	1,426	Equifax, Inc.
13	MichiganMI	26,445	1,317	Encore Capital Group Inc.
14	ArizonaAZ	25,734	1,405	Encore Capital Group Inc.
15	MarylandMD	25,302	1,273	Resurgent Capital Services L.P.
16	LouisianaLA	22,643	1,120	Resurgent Capital Services L.P.
17	TennesseeTN	21,990	1,252	Transunion Intermediate Holdings, Inc.
18	AlabamaAL	21,381	1,136	CL Holdings LLC
19	MissouriMO	16,438	1,173	Equifax, Inc.
20	NevadaNV	15,389	1,060	Transunion Intermediate Holdings, Inc.
21	WashingtonWA	14,503	1,146	Encore Capital Group Inc.
22	IndianaIN	14,412	1,118	Resurgent Capital Services L.P.
23	MassachusettsMA	13,646	924	Portfolio Recovery Associates, LLC
24	MississippiMS	11,959	890	Encore Capital Group Inc.
25	ColoradoCO	11,327	1,057	Encore Capital Group Inc.
26	WisconsinWI	9,149	950	Encore Capital Group Inc.
27	OklahomaOK	9,045	907	Encore Capital Group Inc.
28	MinnesotaMN	8,502	835	Encore Capital Group Inc.
29	ConnecticutCT	8,336	752	Resurgent Capital Services L.P.
30	ArkansasAR	8,306	758	Equifax, Inc.
31	KentuckyKY	7,180	861	GLA Collection Company, Inc.
32	OregonOR	6,805	873	Encore Capital Group Inc.
33	DelawareDE	5,202	642	Transunion Intermediate Holdings, Inc.
34	UtahUT	5,102	758	Express Recovery Services, Inc.
35	KansasKS	4,617	722	Encore Capital Group Inc.
36	IowaIA	3,765	674	Encore Capital Group Inc.
37	New MexicoNM	3,541	654	Encore Capital Group Inc.
38	District of ColumbiaDC	3,445	560	Transunion Intermediate Holdings, Inc.
39	NebraskaNE	2,868	496	Transunion Intermediate Holdings, Inc.
40	Rhode IslandRI	2,603	448	Encore Capital Group Inc.
41	West VirginiaWV	2,603	415	Equifax, Inc.
42	IdahoID	2,556	561	Portfolio Recovery Associates, LLC
43	HawaiiHI	2,125	464	Portfolio Recovery Associates, LLC
44	New HampshireNH	1,844	474	Portfolio Recovery Associates, LLC
45	MaineME	1,549	373	The Thomas Agency, Inc.
46	Puerto RicoPR	1,454	286	Encore Capital Group Inc.
47	North DakotaND	1,316	305	Encore Capital Group Inc.
48	MontanaMT	1,286	357	Centron Services
49	South DakotaSD	977	290	Credico. Inc
50	AlaskaAK	969	308	Cornerstone Holdings, Inc.
51	WyomingWY	840	254	Collection Professionals, Inc.
52	VermontVT	508	217	Portfolio Recovery Associates, LLC
53	Virgin IslandsVI	162	86	Portfolio Recovery Associates, LLC
54	GuamGU	53	46	Portfolio Recovery Associates, LLC
55	Northern Mariana IslandsMP	13	12	Action Collection Service
56	American SamoaAS	7	7	CNG Financial Corporation

State complaint FAQ

Which jurisdiction has the most CFPB debt-collection complaints?: Texas leads this extract with 172,149 consumer-filed complaints. Absolute volume scales with population and how often residents use the federal channel, not proven misconduct.
Which jurisdiction names the most distinct debt-collection companies in complaints?: Texas leads company breadth with 2,473 distinct companies named in CFPB filings from that residence state. Breadth and volume can diverge, a high-volume state may concentrate complaints in fewer national collectors.
Do complaint counts mean a state has worse collectors?: No. CFPB complaints are consumer-submitted reports, not adjudicated violations. Population, company portfolio size, legal-aid outreach, and awareness of the federal channel all move the counts. Use company-level state pages for response-quality context.
How many jurisdictions does this hub cover?: This table lists 56 states and territories present in the CFPB debt-collection extract. Territories with sparse filings still appear when at least one complaint names that residence state.

How to Use the State Rankings

For consumers: locate your state in the table and click through to the per-state collector breakdown. The state detail page surfaces (a) which debt collectors and credit-reporting agencies receive the most complaints from residents of your state, (b) the dominant FDCPA-violation theme within those complaints, and (c) the response-quality profile (timely-response and consumer-dispute rates) of the collectors most active in your state. If you are currently dealing with a collector, cross-reference its name against the per-state list before deciding whether to file your own CFPB complaint or pursue state-level remedies.

State Variation Worth Watching

Counts can change as consumers, companies, and use of the CFPB complaint channel change. The data does not establish why a state moves up or down the ranking, and it does not identify the legal rules or enforcement practices that apply in a state.

Cross-Reference Federal With State Channels

The CFPB Consumer Complaint Database is the federal source used for these rankings. It is not a complete census of state complaints or a directory of state-law remedies. Consult the relevant official state source if those questions matter to your situation.

What State Pages Cannot Tell You

Three limitations are worth keeping in mind when reading any state page. First, state of residence in the CFPB dataset captures the consumer's address at filing, not the collector's. National collectors operate from a small number of corporate centers but appear on every state's per-state page. Second, complaint volume is not the same as misconduct, a collector with a national portfolio of millions of accounts will generate more complaints in any given state than a small regional firm even if both follow identical practices. Third, complaint volume reflects consumer awareness of the federal channel as much as actual collection behavior, states with active legal-aid networks and consumer-advocacy organizations tend to file more federal complaints regardless of underlying conduct. Use absolute complaint counts to gauge magnitude; use company-breadth ranks and per-collector breakdowns to gauge intensity.

Compiled by PlainCollector

Publisher	PlainCollector
Sources	the CFPB Consumer Complaint Database