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 9

Sorted by most complaints

Transfinancial Companies, Inc

D
32 total complaints ↓ falling

Account Control Technology, Inc.

C
31 total complaints ↓ falling

American Profit Recovery, Inc., Marlborough, MA Branch

C
31 total complaints → stable

Certified Collectors, Inc.

B
31 total complaints ↓ falling

Enhanced Acquisitions, LLC

D
31 total complaints ↓ falling

Lobel Financial Corporation

C
31 total complaints ↑ rising

Law Office of Brett M. Borland, P.C.

F
31 total complaints ↑ rising

Omega RMS, LLC

D
31 total complaints ↑ rising

United PanAm Financial Corp.

C
31 total complaints ↑ rising

Christus Health

D
30 total complaints ↑ rising

CreditNinja Lending, LLC

D
30 total complaints ↑ rising

Duvera Billing Services, LLC

D
30 total complaints ↓ falling

Goal Structured Solutions, LLC

F
30 total complaints ↑ rising

Performant Financial Corporation

D
30 total complaints ↓ falling

SLM Corporation

C
30 total complaints → stable

State Collection Service, Inc.

D
30 total complaints ↓ falling

Tate and Kirlin Assoc

D
30 total complaints ↓ falling

ARC Management Group, LLC

D
29 total complaints ↓ falling

Collections Unlimited of Texas Inc

D
29 total complaints ↓ falling

Green Square Company LLC.

F
29 total complaints ↓ falling

Harley Davidson Financial Services Inc

C
29 total complaints ↑ rising

Midwest Fidelity Services, LLC

C
29 total complaints ↑ rising

Real Time Group, Inc.

D
29 total complaints ↓ falling

Solar Mosaic LLC

F
29 total complaints ↑ rising

VW Credit

C
29 total complaints ↑ rising

ATG Credit, LLC

D
28 total complaints ↓ falling

Action Revenue Recovery, LLC

C
28 total complaints ↓ falling

BMW Financial Services NA, LLC

D
28 total complaints ↑ rising

Bronstein & Weiss Arbitration

F
28 total complaints ↓ falling

Cherry Technologies Inc.

F
28 total complaints ↑ rising

Collections Acquisition Company, Inc.

F
28 total complaints ↓ falling

Credit Central Holdings, LLC

C
28 total complaints ↑ rising

Fidelity National Information Services, Inc. (FNIS)

D
28 total complaints ↓ falling

Financial Recovery Services, Inc.

D
28 total complaints ↓ falling

Global Trust Management LLC

C
28 total complaints → stable

Jenkins, Wagnon & Young, P.C.

D
28 total complaints ↓ falling

Seattle Service Bureau, Inc

D
28 total complaints → stable

Virtuoso Sourcing Group, LLC.

F
28 total complaints ↓ falling

Applied Data Finance, LLC

D
27 total complaints ↑ rising

Central Research Inc

D
27 total complaints ↑ rising

Frontline Asset Strategies, LLC

D
27 total complaints ↓ falling

Gold Star Finance, Inc.

B
27 total complaints ↑ rising

Healthcare Finance Direct LLC.

F
27 total complaints ↑ rising

LoanCare, LLC

C
27 total complaints ↑ rising

NIC, Inc.

C
27 total complaints ↓ falling

Orions Management Group, LLC

D
27 total complaints → stable

RSH & Associates, LLC

D
27 total complaints → stable

Aspen National Financial, Inc.

D
26 total complaints ↓ falling

BB&T Corporation

D
26 total complaints ↓ falling

Byrider Franchising, LLC

D
26 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.