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. (0.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 6

Sorted by most complaints

National Collection Systems, Inc.

D
67 total complaints → stable

Rausch, Sturm, Israel, Enerson & Hornik, LLP

D
67 total complaints ↓ falling

AR Resources, Inc.

D
66 total complaints ↓ falling

Credit Fresh Holdings Inc

F
66 total complaints ↑ rising

Frost-Arnett Company

D
66 total complaints ↓ falling

Nationwide Capital Services, LLC

F
66 total complaints ↑ rising

Fig Tech Inc.

D
65 total complaints ↑ rising

Sezzle Inc.

F
65 total complaints ↑ rising

Express Collections, Inc.

F
64 total complaints ↑ rising

Merchants' Credit Guide Company

D
64 total complaints ↓ falling

Pentagon Federal Credit Union

D
64 total complaints ↑ rising

Complete Credit Solutions, Inc.

D
63 total complaints → stable

Concentric Receivables Management, Ltd.

D
63 total complaints ↓ falling

Concord Servicing Corporation

C
63 total complaints ↑ rising

Kinum, Inc., Indianapolis, IN Branch

D
63 total complaints ↑ rising

Medical-Dental-Hospital Bureau of San Antonio

D
62 total complaints ↓ falling

Westcreek Financial

F
62 total complaints ↑ rising

Advance America, Cash Advance Centers, Inc.

D
61 total complaints ↓ falling

Sunbit, Inc.

F
61 total complaints ↑ rising

Aqua Finance, Inc.

D
60 total complaints ↑ rising

Elevate Recoveries, LLC

F
60 total complaints ↓ falling

Essential Lending Inc

F
60 total complaints ↑ rising

Fiserv Finxact Core

F
60 total complaints → stable

Jim Bottin Enterprises, Inc

D
60 total complaints → stable

Nelson Cruz & Associates LLC

F
60 total complaints ↑ rising

AES/Pheaa

D
59 total complaints ↓ falling

Account Services Collections, Inc

C
59 total complaints ↓ falling

Adelante, Inc

D
59 total complaints → stable

Cascade Capital, LLC

D
59 total complaints → stable

InDebted Corporation

F
59 total complaints ↑ rising

Prince Parker & Associates

D
59 total complaints → stable

Collection Professionals, Inc.

D
58 total complaints ↑ rising

Crown Asset Management, LLC, Duluth, GA Branch

D
58 total complaints → stable

Ecmc Group, Inc.

D
58 total complaints ↓ falling

McCarthy, Burgess & Wolff, Inc.

D
58 total complaints ↓ falling

Pendrick Capital Partners Holding, LLC

C
58 total complaints ↓ falling

Texas Guaranteed

C
58 total complaints → stable

Carter-Young, Inc.

F
57 total complaints → stable

Client Services, Inc.

D
57 total complaints → stable

Michael J Adams PC

C
57 total complaints ↑ rising

Sterling Jewelers, Inc.

C
57 total complaints ↓ falling

AmerAssist A/R Solutions, Inc.

F
56 total complaints ↓ falling

American First Finance, Inc.

F
56 total complaints → stable

First Data Corporation

D
56 total complaints ↓ falling

Summit A*R, Inc.

D
56 total complaints ↑ rising

Persolve, LLC - Legal - Series 2

F
55 total complaints ↓ falling

Rfna, LP

C
55 total complaints ↑ rising

Associated Credit Services, Inc.

D
54 total complaints → stable

Financial Corporation of America

D
54 total complaints ↓ falling

Medical Business Bureau

F
54 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.