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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

Riverwalk Financial Corporation

F
91 total complaints ↓ falling

Stellar Recovery, Inc.

D
91 total complaints ↓ falling

URS Holding, LLC

D
91 total complaints ↓ falling

Marauder Corporation

F
90 total complaints ↑ rising

The Law Offices of Mitchell D. Bluhm & Associates

C
89 total complaints ↓ falling

FC HoldCo LLC

C
87 total complaints ↑ rising

CAC Financial Corp

D
86 total complaints → stable

Nationwide Recovery Systems, Ltd

D
86 total complaints ↓ falling

Atlanticus Services Corporation

D
84 total complaints ↑ rising

Moss Law Firm, P.C.

B
84 total complaints → stable

P&B Capital Group, LLC

F
84 total complaints → stable

Starmark Financial LLC

F
83 total complaints ↑ rising

Javitch, Block & Rathbone LLC

D
82 total complaints → stable

Debt Co LLC

D
80 total complaints ↑ rising

FMA Alliance, Ltd.

C
80 total complaints → stable

Herbert P. Sears Co., Inc.

C
80 total complaints → stable

Unifin Inc.

D
80 total complaints ↑ rising

Cedars Business Services, LLC

D
79 total complaints ↑ rising

Consumer Portfolio Services, Inc.

D
79 total complaints ↑ rising

Credit Service International Corp

C
79 total complaints ↑ rising

Property Receivables, Corp

F
79 total complaints ↑ rising

Community Choice Financial, Inc.

D
78 total complaints ↓ falling

EdFinancial Services

C
78 total complaints ↑ rising

Diverse Funding Associates LLC

D
77 total complaints ↑ rising

January Technologies, Inc

F
77 total complaints ↑ rising

Mariner Finance, LLC

D
77 total complaints ↑ rising

Northstar Location Services, LLC

D
77 total complaints ↓ falling

CarMax, Inc.

C
76 total complaints ↑ rising

Harvard Collections, LLC

D
75 total complaints ↓ falling

Io, Inc.

D
75 total complaints ↓ falling

Nationwide Credit & Collection, Inc.

D
75 total complaints → stable

Synovus Bank

C
75 total complaints ↓ falling

Alexander-Rose Assoc, Inc.

C
74 total complaints ↑ rising

American Coradius International LLC

D
74 total complaints ↓ falling

PNC Bank N.A.

D
74 total complaints → stable

S & S Recovery, Inc.

D
74 total complaints ↑ rising

MoneyLion Inc.

F
73 total complaints ↑ rising

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
73 total complaints ↓ falling

Hyundai Capital America

C
72 total complaints ↑ rising

National Enterprise Systems, Inc.

D
72 total complaints ↓ falling

Opportunity Financial, LLC

C
72 total complaints ↑ rising

Specialized Collection Systems, Inc.

F
72 total complaints ↑ rising

Hovg, LLC

F
71 total complaints ↓ falling

Sentry Credit, Inc.

D
71 total complaints ↓ falling

Alliance One, Inc.

D
70 total complaints ↓ falling

Continental Finance Company, LLC

C
69 total complaints ↑ rising

Allied Collection Services, Inc. (Nevada)

D
68 total complaints ↓ falling

Reliant Capital Solutions, LLC

D
68 total complaints ↑ rising

Collection Bureau of America Ltd.

F
67 total complaints ↓ falling

Credit Service Company, INC

D
67 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.