States › Minnesota › Debt collection
Who in Minnesota 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.
Minnesota consumers filed 2,010 complaints under “Debt collection” in the 12 months to 1 Oct 2026, up 27% on the 1,586 of the 12 months before. That is 34.5 per 100,000 residents, below the national 92.8.
The category makes up 7.3% of the state's complaints, against 4.6% nationally. 20.6% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 94.6% of responses were timely.
Companies with the most Debt collection complaints from Minnesota, with their size
Ordered by complaints from Minnesota consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from MN, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 139 | 6.9% | no public measure |
| Portfolio Recovery Associates, LLC | 120 | 6% | no public measure |
| Resurgent Capital Services L.P. | 116 | 5.8% | no public measure |
| ENCORE CAPITAL GROUP INC. | 116 | 5.8% | no public measure |
| CCS Financial Services, Inc. | 75 | 3.7% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 56 | 2.8% | no public measure |
| Servicer under contract with Federal Student Aid | 50 | 2.5% | no public measure |
| Experian Information Solutions Inc. | 50 | 2.5% | no public measure |
| EQUIFAX, INC. | 48 | 2.4% | no public measure |
| I.C. System, Inc. | 46 | 2.3% | no public measure |
| Kriya Capital, LLC | 44 | 2.2% | no public measure |
| Messerli & Kramer P.A. | 41 | 2% | no public measure |
| National Credit Systems,Inc. | 38 | 1.9% | no public measure |
| CAINE & WEINER COMPANY, INC. | 38 | 1.9% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 36 | 1.8% | $662bn assets |
| HW Holding, Inc | 32 | 1.6% | no public measure |
| WELLS FARGO & COMPANY | 30 | 1.5% | $1.92tn assets |
| SYNCHRONY FINANCIAL | 26 | 1.3% | $115bn assets |
| CITIBANK, N.A. | 26 | 1.3% | $1.98tn assets |
| AMERICAN EXPRESS COMPANY | 26 | 1.3% | $214bn assets |
| All other companies, including those not listed by name | 857 | 42.6% | — |
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. 5 of the 20 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.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 678 | 33.7% |
| Took or threatened to take negative or legal action | 512 | 25.5% |
| Written notification about debt | 454 | 22.6% |
| False statements or representation | 224 | 11.1% |
| Communication tactics | 72 | 3.6% |
| Electronic communications | 40 | 2% |
| Threatened to contact someone or share information improperly | 30 | 1.5% |
How companies responded
- Closed with explanation1,488 · 74%
- Closed with non-monetary relief406 · 20.2%
- Untimely response87 · 4.3%
- In progress26 · 1.3%
- All other categories3 · 0.1%
| Measure | Minnesota, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 34.5 | 92.8 |
| Closed with monetary or non-monetary relief | 20.6% | 22.7% |
| Responses marked timely | 94.6% | 96.5% |
Trend
Other products in Minnesota
Credit reporting or other personal consumer reports · 22,200Credit card · 931Checking or savings account · 885Money transfer, virtual currency, or money service · 418Mortgage · 382Student loan · 252Vehicle loan or lease · 176Payday loan, title loan, personal loan, or advance loan · 135
Questions and answers
How many Debt collection complaints come from Minnesota?
2,010 in the 12 months to 1 Oct 2026, 1,586 in the 12 months before and 8,813 since 2011.
Is that high for the population?
34.5 per 100,000 residents in Minnesota against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (33.7%), “Took or threatened to take negative or legal action” (25.5%), “Written notification about debt” (22.6%), “False statements or representation” (11.1%).
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.