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. (0.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 4

Sorted by most complaints

U.s. Bancorp

D
145 total complaints ↓ falling

Hillcrest Davidson & Associates

D
144 total complaints ↓ falling

First Advantage LNS Inc.

F
143 total complaints ↓ falling

Continental Services Group, Inc. d/b/a ConServe

C
141 total complaints → stable

Cottonwood Financial Ltd.

C
138 total complaints ↓ falling

Thaxton Investment Corporation

D
137 total complaints ↑ rising

Expert Global Solutions, Inc.

D
134 total complaints ↓ falling

Toyota Motor Credit Corporation

D
134 total complaints ↑ rising

Synergetic Communication Inc

D
130 total complaints ↑ rising

Alorica Inc.

D
127 total complaints ↓ falling

Rausch Sturm LLP

F
127 total complaints ↑ rising

S&S Physician Services, Inc.

D
126 total complaints ↓ falling

NCC Business Services, Inc.

D
125 total complaints ↓ falling

CLGF Holdco 1, LLC

F
124 total complaints ↑ rising

SG and Associates

F
124 total complaints ↑ rising

Trident Asset Management, L.L.C.

F
120 total complaints ↓ falling

Upstart Holdings, Inc.

F
120 total complaints ↑ rising

Colony Brands, Inc.

F
118 total complaints → stable

Wakefield & Associates, Inc.

F
118 total complaints ↓ falling

Williams & Fudge, Inc

D
118 total complaints → stable

Credit Protection Association, L.P.

D
115 total complaints ↓ falling

Mohela

F
115 total complaints ↑ rising

SUN Loan Company Inc.

C
114 total complaints ↑ rising

Williams, Rush & Associates, LLC

F
113 total complaints ↑ rising

Blakely-Witt and Associates, Inc.

D
112 total complaints ↓ falling

Professional Finance Company, Inc.

D
110 total complaints ↓ falling

First National Collection Bureau, Inc.

D
109 total complaints ↓ falling

Firstsource Business Process Services, LLC

D
108 total complaints → stable

JH Portfolio Debt Equities, LLC

D
106 total complaints ↓ falling

American Credit Acceptance, LLC

D
105 total complaints ↑ rising

Credit Bureau Services Association

D
105 total complaints → stable

Paypal Holdings, Inc

D
104 total complaints ↓ falling

Ocwen Financial Corporation

D
103 total complaints ↓ falling

Penn Credit Corporation

D
103 total complaints ↓ falling

Global Lending Services LLC

C
102 total complaints ↑ rising

Nissan Motor Acceptance Company LLC

C
101 total complaints → stable

Pinnacle Credit Services, LLC

D
101 total complaints ↓ falling

Western-Shamrock Corporation

D
101 total complaints → stable

Linebarger Goggan Blair & Sampson LLP

D
100 total complaints ↓ falling

Oportun Financial Corporation

C
100 total complaints ↑ rising

Zwicker & Associates

D
100 total complaints → stable

Avante

D
99 total complaints ↓ falling

ORG GC GP Buyer, LLC

D
99 total complaints ↓ falling

Sarma

D
99 total complaints ↓ falling

Financial Credit Service, Inc.

D
97 total complaints ↓ falling

Contract Callers Inc

D
96 total complaints ↑ rising

LJ Ross Associates

D
95 total complaints ↑ rising

Paramount GR Holdings, LLC

F
95 total complaints ↑ rising

Maximus Federal Services, Inc.

F
93 total complaints ↑ rising

Credit Management Control, Inc.

D
92 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.