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. (1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 2

Sorted by most complaints

Security Credit Services, LLC

D
554 total complaints ↑ rising

Amsher Collection Services, Inc.

D
549 total complaints ↓ falling

American Express Company

D
544 total complaints ↑ rising

Debt Recovery Solutions, LLC

D
544 total complaints → stable

Phoenix Financial Services LLC

D
536 total complaints ↓ falling

HCFS Healthcare Financial Services of TeamHealth

F
534 total complaints ↓ falling

Collection Management Holdings, LLC

F
532 total complaints ↑ rising

Aldous & Associates, PLLC

D
530 total complaints ↑ rising

Navy Federal Credit Union

D
525 total complaints ↑ rising

Diversified Consultants, Inc.

D
500 total complaints ↓ falling

Afni Inc.

D
491 total complaints ↓ falling

CURO Intermediate Holdings

D
472 total complaints ↓ falling

Cavalry Investments, LLC

D
468 total complaints → stable

The CBE Group, Inc.

D
446 total complaints → stable

NRA Group, LLC

D
437 total complaints ↑ rising

ONLINE Information Services, Inc.

D
426 total complaints ↑ rising

Lockhart, Morris & Montgomery Inc.

D
425 total complaints ↑ rising

The CMI Group, Inc.

D
417 total complaints ↓ falling

Source Receivables Management LLC

D
413 total complaints ↑ rising

Santander Holdings USA, Inc.

F
410 total complaints ↑ rising

Southwest Recovery Services, Inc.

D
410 total complaints → stable

Waypoint Resource Group, LLC

F
403 total complaints ↑ rising

Servicer under contract with Federal Student Aid

F
402 total complaints ↑ rising

World Acceptance Corporation

D
393 total complaints ↑ rising

Consumer Adjustment Company Incorporated

D
380 total complaints → stable

The Phoenix Recovery Group

F
360 total complaints → stable

RS Clark and Associates, Inc.

F
353 total complaints → stable

Possible Financial Inc

F
346 total complaints ↑ rising

Self Financial Inc.

F
343 total complaints ↑ rising

Ally Financial Inc.

D
340 total complaints ↑ rising

CMRE Financial Services, Inc.

D
340 total complaints ↓ falling

BTH Management

D
339 total complaints ↑ rising

Navient Solutions, LLC.

D
333 total complaints ↓ falling

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

D
333 total complaints ↓ falling

Credit Control, LLC

F
329 total complaints ↑ rising

Credit Corp Solutions Inc.

D
326 total complaints ↑ rising

TD Bank US Holding Company

D
326 total complaints ↑ rising

Tenet Healthcare Corporation

D
324 total complaints ↓ falling

Midwest Recovery Systems

F
319 total complaints ↓ falling

Law Office of Michael J. Scott, PC

D
313 total complaints → stable

Nelnet, Inc.

D
309 total complaints ↑ rising

Westlake Services, LLC

D
306 total complaints ↑ rising

W&A Intermediate Co., LLC

F
304 total complaints ↑ rising

I.q. Data International, Inc.

D
298 total complaints ↓ falling

Zions Debt Holdings

F
294 total complaints ↑ rising

Paramount Recovery Systems, L.P.

D
293 total complaints ↓ falling

MRS BPO, LLC

D
291 total complaints → stable

ResidentCollect, Inc.

F
276 total complaints → stable

Kikoff Inc.

F
265 total complaints ↑ rising

TekCollect Inc.

D
264 total complaints ↑ rising

If 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

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

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.