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 45

Sorted by most complaints

Merchants Financial Guardian, Inc.

D
1 total complaints ↓ falling

Meridian Title Corporation

A
1 total complaints ↓ falling

Michigan Mutual, Inc.

A
1 total complaints ↑ rising

MicroBilt / PRBC (formerly CL Verify)

C
1 total complaints ↑ rising

Mid Continent Credit Services, Inc

C
1 total complaints ↓ falling

Mid-Atlantic Consumer Services

C
1 total complaints ↓ falling

Mid-Michigan Collection Bureau

D
1 total complaints ↓ falling

Mid-Minnesota Management Services, Inc.

C
1 total complaints ↓ falling

Midwest Credit & Collection, Inc.

F
1 total complaints ↓ falling

Midwest Recovery Fund, LLC

F
1 total complaints ↓ falling

Midwestern Health Management INC

B
1 total complaints ↓ falling

Milestone Parrish LLC

B
1 total complaints ↓ falling

Miller and Steeno, P.C.

D
1 total complaints ↓ falling

Millsap & Singer, LLC

C
1 total complaints ↓ falling

Minto Financial dba Minto Money

C
1 total complaints ↑ rising

Mission Asset Fund

1 total complaints ↑ rising

Mitchell Rubenstein & Associates, P.C.

C
1 total complaints ↓ falling

Mitsubishi Motors North America, Inc.

F
1 total complaints → stable

Money Investigations, Inc.

D
1 total complaints ↓ falling

Moritz Partners L.P.

A
1 total complaints ↓ falling

Morning Law Group, P.C.

1 total complaints ↑ rising

Motolease, LLC

D
1 total complaints ↓ falling

Moyer Brown Holdings Enterprise, LLC

C
1 total complaints ↓ falling

Nations Lending Corporation

B
1 total complaints ↑ rising

NCD Financial, LLC

C
1 total complaints ↑ rising

NCS, Inc

D
1 total complaints ↓ falling

Network Funding, L.P.

A
1 total complaints ↑ rising

NEW City Funding Corp.

B
1 total complaints ↑ rising

NEW York Community Bancorp Inc

D
1 total complaints ↑ rising

NEXA Mortgage, LLC

B
1 total complaints → stable

Nexbank Capital, Inc.

A
1 total complaints ↓ falling

NOVAD Management Consulting, LLC

B
1 total complaints ↓ falling

NRS Billing Services LLC

1 total complaints ↑ rising

Nae-Mo Corp dba Matthews & Michaels

B
1 total complaints → stable

Nathan & Nathan, P.C.

C
1 total complaints ↓ falling

National Account Services Group, LLC.

D
1 total complaints ↓ falling

National Check Bureau, Inc.

D
1 total complaints ↓ falling

National Financial Group, Inc

A
1 total complaints ↓ falling

National Recovery Service, Inc.

F
1 total complaints ↓ falling

National Recovery Services LLC

B
1 total complaints ↓ falling

Nav Technologies, Inc.

B
1 total complaints ↑ rising

Neuheisel Law Firm, P.C.

C
1 total complaints ↓ falling

Nextep Funding LLP

C
1 total complaints ↓ falling

Nickel City Group LLC

D
1 total complaints ↓ falling

North American Asset Services, LLC

D
1 total complaints ↓ falling

NorthShore Financial, L.L.C.

F
1 total complaints ↓ falling

Northeast Collection Bureau

F
1 total complaints ↓ falling

Northeast Receivables Management, LLC

C
1 total complaints ↓ falling

Northeastern Credit Services, Inc.

F
1 total complaints ↓ falling

Northern Alliance Management, LLC

F
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.