State complaint profile
Debt collection complaints in Texas
172,149 CFPB complaints filed against 2,473 debt collectors active in Texas.
- Complaints
- 172,149
- Collectors
- 2,473
- Top collector
- Equifax, Inc.
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
Texas at a glance
Texas consumers have filed 172,149 CFPB debt-collection complaints against 2,473 collectors.
- 172,149
- CFPB complaints filed
- 2,473
- collectors active here
- #1
- most-complained: Equifax, Inc.
State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.
Insights: Debt Collection in Texas
Texas sits near the top of the state complaint ladder at #1 of 56 by absolute CFPB filings (172,149 complaints).
This is a dense end-of-ladder state. National debt buyers and the three credit bureaus usually dominate the chart above; use the state mix to see whether one buyer or bureau is over-indexed relative to volume peers before reading the national grade curve.
The collector with the most complaints from Texas residents in this extract is Equifax, Inc. (23.8% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.
Most-complained-about collectors in Texas
By complaints filed from this state
- Equifax, Inc.
Equifax, Inc.
14,759 complaints
- Transunion Intermediate Holdings, Inc.
Transunion Intermediate Holdings, Inc.
14,088 complaints
- Experian Information Solutions Inc.
Experian Information Solutions Inc.
12,047 complaints
- Resurgent Capital Services L.P.
Resurgent Capital Services L.P.
6,272 complaints
- Encore Capital Group Inc.
Encore Capital Group Inc.
6,205 complaints
- Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC
6,001 complaints
- CL Holdings LLC 5,674
CL Holdings LLC
5,674 complaints
- National Credit Systems,Inc. 3,495
National Credit Systems,Inc.
3,495 complaints
What this shows These eight collectors draw the most complaints from Texas residents, usually national bureaus and large debt buyers operating in every state.
Where Texas's 172,149 complaints concentrate
Top-three collectors vs the rest of this state's filings
- Equifax, Inc. 14,759
Equifax, Inc.
14,759 complaints
- Transunion Intermediat 14,088
Transunion Intermediate Holdings, Inc.
14,088 complaints
- Experian Information S 12,047
Experian Information Solutions Inc.
12,047 complaints
- All other collectors
Remaining collectors in Texas
131,255 complaints
What this shows The top three names account for 23.8% of Texas filings in this extract, a state-specific concentration cut, not a national grade curve.
Active Debt Collectors
Sorted by most complaintsEquifax, Inc.
DTransunion Intermediate Holdings, Inc.
DExperian Information Solutions Inc.
DResurgent Capital Services L.P.
DEncore Capital Group Inc.
DPortfolio Recovery Associates, LLC
DCL Holdings LLC
CNational Credit Systems,Inc.
DTransworld Systems Inc
DI.C. System, Inc.
CProCollect, Inc.
FCCS Financial Services, Inc.
FNational Credit Adjusters, LLC
DKriya Capital, LLC
DCapital ONE Financial Corporation
DRowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
FERC
DCaine & Weiner Company, Inc.
DSynchrony Financial
DSpring Oaks Capital, LLC
FHW Holding, Inc
DCitibank, N.a.
DUnited Revenue Corporation
FCredit Systems International, Inc.
DBread Financial Holdings, Inc.
CT.S. Holdings
FJpmorgan Chase & Co.
DRadius Global Solutions LLC
DSouthwest Credit Systems, L.P.
DNCB Management Services Inc.
DWells Fargo & Company
DConvergent Resources, Inc.
DBank of America, National Association
DRent Recovery Solutions
FSunrise Credit Services, Inc
DCommonwealth Financial Systems, Inc.
FV and H Portfolio
DAd Astra Recovery Services Inc
DHarris & Harris, Ltd.
DTrueAccord Corp.
DConn's, Inc.
DCapio Partners, LLC
CAbility Recovery Services, LLC
DRentDebt Automated Collections, LLC
DFair Collections & Outsourcing, Inc.
DSequium Asset Solutions, LLC
FCentral Portfolio Control Inc.
DAffirm Holdings, Inc
FSynerprise Consulting Services, Inc.
CDiscover Bank
DIf a collector is contacting you in Texas
High-volume states still start with the federal record, then verify any state-law question with an official source.
- Start with the densest Texas names on the chart, then open each national record before you respond or pay. Browse rankings
- Demand written debt validation within 30 days of first contact - high-volume states see the same FDCPA clock. Validation letter
- File with the CFPB first (public record + 15-day company reply), then check official Texas AG channels if needed. Your rights
Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.
Read our methodology - how this data is sourced, computed, and verified.
Read with Texas
- Equifax, Inc. Leads Texas complaint volume in this extract
- Florida complaint profile Nearest volume peer (124,524 complaints)
- California complaint profile Nearest volume peer (112,020 complaints)
- States by complaint volume Texas sits in the dense end of the state ladder
- Debt validation letter High filing volume - written validation is the usual first step
- Compare collectors side-by-side Check response rates for the agencies contacting Texas residents
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 company's reputation grade from this data.
Filing a Complaint as a Texas Resident
Texas's dense filing book means the CFPB channel at consumerfinance.gov/complaint is usually the fastest public-record path (15-day company reply). Parallel options: the Texas attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |