States › Illinois › Debt collection
Who in Illinois is complaining aboutDebt collection?
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.
Illinois consumers filed 10,733 complaints under “Debt collection” in the 12 months to 1 Oct 2026, about level with the 9,854 of the 12 months before. That is 84.4 per 100,000 residents, close to the national 92.8.
The category makes up 3.6% of the state's complaints, against 4.6% nationally. 23.7% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 97.8% of responses were timely.
Companies with the most Debt collection complaints from Illinois, with their size
Ordered by complaints from Illinois consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from IL, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 1,067 | 9.9% | no public measure |
| Resurgent Capital Services L.P. | 774 | 7.2% | no public measure |
| ENCORE CAPITAL GROUP INC. | 745 | 6.9% | no public measure |
| Portfolio Recovery Associates, LLC | 674 | 6.3% | no public measure |
| CCS Financial Services, Inc. | 344 | 3.2% | no public measure |
| I.C. System, Inc. | 325 | 3% | no public measure |
| Kriya Capital, LLC | 315 | 2.9% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 234 | 2.2% | no public measure |
| Experian Information Solutions Inc. | 232 | 2.2% | no public measure |
| EQUIFAX, INC. | 228 | 2.1% | no public measure |
| CAINE & WEINER COMPANY, INC. | 216 | 2% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 168 | 1.6% | $662bn assets |
| TRANSWORLD SYSTEMS INC | 166 | 1.5% | no public measure |
| Spring Oaks Capital, LLC | 160 | 1.5% | no public measure |
| National Credit Systems,Inc. | 159 | 1.5% | no public measure |
| Harris & Harris, Ltd. | 148 | 1.4% | no public measure |
| TrueAccord Corp. | 122 | 1.1% | no public measure |
| SUNRISE CREDIT SERVICES, INC | 120 | 1.1% | no public measure |
| T.S. Holdings | 117 | 1.1% | no public measure |
| Aargon Agency, Inc. | 106 | 1% | no public measure |
| All other companies, including those not listed by name | 4,313 | 40.2% | — |
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. 1 of the 20 companies in this table has 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.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 5,287 | 49.3% |
| Took or threatened to take negative or legal action | 1,798 | 16.8% |
| Written notification about debt | 1,751 | 16.3% |
| False statements or representation | 1,305 | 12.2% |
| Communication tactics | 303 | 2.8% |
| Electronic communications | 212 | 2% |
| Threatened to contact someone or share information improperly | 77 | 0.7% |
How companies responded
- Closed with explanation7,917 · 73.8%
- Closed with non-monetary relief2,493 · 23.2%
- In progress164 · 1.5%
- Untimely response146 · 1.4%
- All other categories13 · 0.1%
| Measure | Illinois, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 84.4 | 92.8 |
| Closed with monetary or non-monetary relief | 23.7% | 22.7% |
| Responses marked timely | 97.8% | 96.5% |
Trend
Other products in Illinois
Credit reporting or other personal consumer reports · 271,533Credit card · 3,502Checking or savings account · 3,286Money transfer, virtual currency, or money service · 1,432Mortgage · 1,151Vehicle loan or lease · 939Student loan · 824Payday loan, title loan, personal loan, or advance loan · 508
Questions and answers
How many Debt collection complaints come from Illinois?
10,733 in the 12 months to 1 Oct 2026, 9,854 in the 12 months before and 43,950 since 2011.
Is that high for the population?
84.4 per 100,000 residents in Illinois against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (49.3%), “Took or threatened to take negative or legal action” (16.8%), “Written notification about debt” (16.3%), “False statements or representation” (12.2%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 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.