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 48

Sorted by most complaints

Rushmore Service Center, LLC

C
1 total complaints ↓ falling

Sacor Financial, Inc

C
1 total complaints ↓ falling

SB Holdings, Inc.

F
1 total complaints ↑ rising

Schoolsfirst Federal Credit Union

B
1 total complaints ↑ rising

SCW Acquisitions LLC DBA TrustARG

A
1 total complaints ↓ falling

Simmons First National Corporation

C
1 total complaints → stable

SL Finance LLC

C
1 total complaints ↓ falling

SML Capital, Inc.

1 total complaints ↑ rising

SMS Check Recovery LLC

F
1 total complaints ↓ falling

SN Servicing Corporation

C
1 total complaints ↓ falling

Softgate Systems, Inc.

F
1 total complaints ↑ rising

Southern Cascades Finance Corporation

A
1 total complaints ↓ falling

SPP, Inc.

A
1 total complaints ↑ rising

SSRM

F
1 total complaints ↑ rising

SUN Finance Company, LLC

A
1 total complaints ↑ rising

SUN West Mortgage Company, Inc.

D
1 total complaints ↑ rising

SW Linear Investment Group, LLC

D
1 total complaints ↓ falling

Sa-Vit Enterprises, Inc.

D
1 total complaints ↓ falling

Saale & Bailey, LLC

F
1 total complaints ↓ falling

Samsa Technologies Inc

F
1 total complaints ↑ rising

Samuel Whitaker & Associates LLC

F
1 total complaints → stable

Sarasota CCM, Inc.

D
1 total complaints ↓ falling

Sawko & Burroughs, P.C.

A
1 total complaints ↓ falling

Schreiber Law LLC

D
1 total complaints ↑ rising

Scranton Recovery Group LLC

A
1 total complaints ↓ falling

Second Chance Collections, LLC

B
1 total complaints ↓ falling

Selene Finance LP

D
1 total complaints ↓ falling

Selip & Stylianou, LLP

D
1 total complaints ↓ falling

Seterus, Inc.

C
1 total complaints ↓ falling

SilverLake Financial LLC

C
1 total complaints ↑ rising

Skrill USA, Inc.

D
1 total complaints ↑ rising

Smith, Cohen & Rosenberg LLC

F
1 total complaints ↓ falling

South East Collection Specialist

F
1 total complaints ↑ rising

South West Recovery Inc (CA)

F
1 total complaints ↓ falling

Southern Financial Systems, Inc.

C
1 total complaints ↑ rising

Southwest Mediation Service

D
1 total complaints ↓ falling

Southwest Stage Funding

B
1 total complaints → stable

Southwestern Investors Group, LLC

D
1 total complaints ↓ falling

Specified Credit Association, Inc.

C
1 total complaints ↓ falling

St.John Cobb Inc

B
1 total complaints ↓ falling

Stanislaus Credit Control Service, Inc.

C
1 total complaints ↓ falling

Sterling Credit Corp.

F
1 total complaints ↓ falling

Stern Recovery Services, Inc.

F
1 total complaints ↓ falling

Strategic Automotive Servicing, LLC

A
1 total complaints ↓ falling

Stream Innovations Inc.

A
1 total complaints ↑ rising

Sullivan Asset Management, LLC

F
1 total complaints ↓ falling

Sulphur Bank Rancheria Enterprises

B
1 total complaints ↑ rising

Summit Account & Computer Service, Inc.

B
1 total complaints ↑ rising

Summit Collection Services, Inc.

C
1 total complaints ↓ falling

Sunnova Energy Corporation

F
1 total complaints → stable

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.