Who is complaining aboutFalse statements or representation?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
34,080 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “False statements or representation”, down 13% on the 39,005 of the 12 months before; 122,925 since 2013.
100% of them were filed under the product “Debt collection”, where the issue makes up 10.7% of that product's complaints.
Company responses on this issue: 76.8% closed with an explanation, 19.4% closed with non-monetary relief, 0.2% closed with monetary relief, and 2% still in progress when the file was published. 96.8% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Debt collection | 34,080 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Attempted to collect wrong amount | 32,380 | 95% |
| Impersonated attorney, law enforcement, or government official | 907 | 2.7% |
| Indicated you were committing crime by not paying debt | 550 | 1.6% |
| Told you not to respond to a lawsuit they filed against you | 243 | 0.7% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| Resurgent Capital Services L.P. | 3,581 | 10.5% | no public measure | — |
| CL Holdings LLC | 2,490 | 7.3% | no public measure | — |
| ENCORE CAPITAL GROUP INC. | 2,193 | 6.4% | no public measure | — |
| Portfolio Recovery Associates, LLC | 1,723 | 5.1% | no public measure | — |
| National Credit Systems,Inc. | 1,124 | 3.3% | no public measure | — |
| CCS Financial Services, Inc. | 785 | 2.3% | no public measure | — |
| Kriya Capital, LLC | 607 | 1.8% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 574 | 1.7% | $662bn assets | 0.87 |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 572 | 1.7% | no public measure | — |
| Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis | 557 | 1.6% | no public measure | — |
| I.C. System, Inc. | 556 | 1.6% | no public measure | — |
| Experian Information Solutions Inc. | 512 | 1.5% | no public measure | — |
| TRANSWORLD SYSTEMS INC | 500 | 1.5% | no public measure | — |
| CAINE & WEINER COMPANY, INC. | 494 | 1.4% | no public measure | — |
| EQUIFAX, INC. | 473 | 1.4% | no public measure | — |
| T.S. Holdings | 426 | 1.3% | no public measure | — |
| Spring Oaks Capital, LLC | 388 | 1.1% | no public measure | — |
| FAIR COLLECTIONS & OUTSOURCING, INC. | 320 | 0.9% | no public measure | — |
| HW Holding, Inc | 314 | 0.9% | no public measure | — |
| Radius Global Solutions LLC | 276 | 0.8% | no public measure | — |
| ProCollect, Inc. | 256 | 0.8% | no public measure | — |
| National Credit Adjusters, LLC | 253 | 0.7% | no public measure | — |
| Credit Control, LLC | 252 | 0.7% | no public measure | — |
| SYNCHRONY FINANCIAL | 236 | 0.7% | $115bn assets | 2.05 |
| TrueAccord Corp. | 234 | 0.7% | no public measure | — |
| All other companies, including those not listed by name | 14,384 | 42.2% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 2 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation26,162 · 76.8%
- Closed with non-monetary relief6,596 · 19.4%
- In progress666 · 2%
- Untimely response601 · 1.8%
- All other categories55 · 0.2%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 19.9% | 31.6% |
| Closed with monetary relief | 0.2% | 0.5% |
| Responses marked timely | 96.8% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “False statements or representation” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau. Sub-issues recorded under it include “Attempted to collect wrong amount”, “Impersonated attorney, law enforcement, or government official”, “Indicated you were committing crime by not paying debt”.
How many complaints carry this issue?
34,080 in the 12 months to 30 Sep 2026 and 122,925 since 2013.
Which products does it apply to?
“Debt collection” (100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.