States › Texas › Debt collection
Who in Texas 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.
Texas consumers filed 54,311 complaints under “Debt collection” in the 12 months to 1 Oct 2026, up 12% on the 48,658 of the 12 months before. That is 171 per 100,000 residents, above the national 92.8.
The category makes up 4.8% of the state's complaints, against 4.6% nationally. 22.4% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 95.6% of responses were timely.
Companies with the most Debt collection complaints from Texas, with their size
Ordered by complaints from Texas consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from TX, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 4,139 | 7.6% | no public measure |
| ENCORE CAPITAL GROUP INC. | 3,011 | 5.5% | no public measure |
| Portfolio Recovery Associates, LLC | 2,639 | 4.9% | no public measure |
| Resurgent Capital Services L.P. | 2,638 | 4.9% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,898 | 3.5% | no public measure |
| EQUIFAX, INC. | 1,771 | 3.3% | no public measure |
| Experian Information Solutions Inc. | 1,502 | 2.8% | no public measure |
| National Credit Systems,Inc. | 1,361 | 2.5% | no public measure |
| Kriya Capital, LLC | 1,252 | 2.3% | no public measure |
| CCS Financial Services, Inc. | 1,089 | 2% | no public measure |
| TRANSWORLD SYSTEMS INC | 1,027 | 1.9% | no public measure |
| Spring Oaks Capital, LLC | 1,021 | 1.9% | no public measure |
| I.C. System, Inc. | 964 | 1.8% | no public measure |
| CAINE & WEINER COMPANY, INC. | 876 | 1.6% | no public measure |
| National Credit Adjusters, LLC | 866 | 1.6% | no public measure |
| ProCollect, Inc. | 692 | 1.3% | no public measure |
| Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis | 605 | 1.1% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 535 | 1% | $662bn assets |
| Bread Financial Holdings, Inc. | 529 | 1% | $21bn assets |
| TrueAccord Corp. | 507 | 0.9% | no public measure |
| All other companies, including those not listed by name | 25,389 | 46.7% | — |
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 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 |
|---|---|---|
| Took or threatened to take negative or legal action | 19,325 | 35.6% |
| Attempts to collect debt not owed | 18,424 | 33.9% |
| Written notification about debt | 9,622 | 17.7% |
| False statements or representation | 4,964 | 9.1% |
| Communication tactics | 1,042 | 1.9% |
| Electronic communications | 619 | 1.1% |
| Threatened to contact someone or share information improperly | 315 | 0.6% |
How companies responded
- Closed with explanation39,878 · 73.4%
- Closed with non-monetary relief11,872 · 21.9%
- Untimely response1,521 · 2.8%
- In progress990 · 1.8%
- All other categories50 · 0.1%
| Measure | Texas, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 171 | 92.8 |
| Closed with monetary or non-monetary relief | 22.4% | 22.7% |
| Responses marked timely | 95.6% | 96.5% |
Trend
Other products in Texas
Credit reporting or other personal consumer reports · 1,037,270Credit card · 9,008Checking or savings account · 7,947Money transfer, virtual currency, or money service · 3,544Mortgage · 3,117Vehicle loan or lease · 2,530Payday loan, title loan, personal loan, or advance loan · 2,141Student loan · 1,640
Questions and answers
How many Debt collection complaints come from Texas?
54,311 in the 12 months to 1 Oct 2026, 48,658 in the 12 months before and 183,400 since 2011.
Is that high for the population?
171 per 100,000 residents in Texas against 92.8 nationally.
Which issues come up most?
“Took or threatened to take negative or legal action” (35.6%), “Attempts to collect debt not owed” (33.9%), “Written notification about debt” (17.7%), “False statements or representation” (9.1%).
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.