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. (0% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 35

Sorted by most complaints

TTM Global Enterprises LLC

F
2 total complaints ↑ rising

Texan Financial Services Inc

B
2 total complaints ↑ rising

The Affiliated Group, Inc

C
2 total complaints ↓ falling

The CFM Group

F
2 total complaints ↓ falling

The Collection Connection

C
2 total complaints ↓ falling

The Commercial Collection Corporation of New York, Inc.

C
2 total complaints → stable

The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group

F
2 total complaints ↓ falling

The Law Office of John P. Frye P.C.

B
2 total complaints ↓ falling

The Minacs Group (USA) Inc.

D
2 total complaints ↓ falling

The Schreiber Law Firm, PLLC

F
2 total complaints ↓ falling

Thrifty Motors Inc.

A
2 total complaints ↑ rising

Tiburon Financial, LLC

A
2 total complaints → stable

TreeMac Funding Group, LLC

C
2 total complaints ↑ rising

Tribal Lending Enterprise, Inc.

D
2 total complaints ↓ falling

Trojan Professional Services, Inc.

C
2 total complaints ↓ falling

UMB Financial Corporation

B
2 total complaints ↑ rising

Umpqua Holdings Corporation

B
2 total complaints ↓ falling

United Guaranty Corporation

D
2 total complaints ↓ falling

Universal Collection Systems, Inc

B
2 total complaints → stable

USA Discounters Ltd

C
2 total complaints ↓ falling

Uprova Credit, LLC

B
2 total complaints ↑ rising

Velo LAW Office

B
2 total complaints ↑ rising

Valarity, LLC

D
2 total complaints ↓ falling

Valley Collection Service, LLC

C
2 total complaints ↑ rising

Western Union Company, the

B
2 total complaints ↓ falling

Winn LAW Group, APC

C
2 total complaints ↓ falling

Wakpamni Lake Community Corporation

D
2 total complaints ↓ falling

Webster Account Solutions LLC

B
2 total complaints ↓ falling

Western Collection Bureau, Inc.

B
2 total complaints ↓ falling

Western Management Consultants

C
2 total complaints ↑ rising

Westgate Arbitration INC (Closed)

B
2 total complaints ↓ falling

Westwood Legal

F
2 total complaints ↓ falling

Wetherington Hamilton, P.A.

B
2 total complaints ↓ falling

Williams, Alexander & Associates, Inc

D
2 total complaints ↓ falling

Woodlands Financial Services Inc

A
2 total complaints ↓ falling

World Omni Financial Corp.

C
2 total complaints ↑ rising

ZOA, LLC

D
2 total complaints ↓ falling

Zachter PLLC

C
2 total complaints ↓ falling

ZestFinance

C
2 total complaints ↓ falling

1st Alliance Lending, LLC

B
1 total complaints ↓ falling

4 Star Resolution LLC (Closed)

F
1 total complaints ↓ falling

A & E Futures LLC

C
1 total complaints ↓ falling

A P Auto Finance Inc

A
1 total complaints ↓ falling

A+ Loans, Inc.

B
1 total complaints ↑ rising

A-L Financial Corp

C
1 total complaints ↑ rising

A.R.C. Accounts Recovery (U.S.A.) Corporation LLC

F
1 total complaints ↓ falling

A/R Concepts, Inc.

B
1 total complaints ↓ falling

Adesa Corporation

C
1 total complaints ↓ falling

ADS Resolve LLC

F
1 total complaints ↑ rising

AFI Loan Servicing, LLC

A
1 total complaints ↓ falling

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.