States › Texas › Debt or credit management
Who in Texas is complaining aboutDebt or credit management?
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 465 complaints under “Debt or credit management” in the 12 months to 1 Oct 2026, about level with the 470 of the 12 months before. That is 1.50 per 100,000 residents, above the national 1.20.
The category makes up 0% of the state's complaints, against 0.1% nationally. 16% of closed complaints ended with monetary or non-monetary relief (15.6% nationally) and 90.1% of responses were timely.
Companies with the most Debt or credit management 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 |
|---|---|---|---|
| Experian Information Solutions Inc. | 35 | 7.5% | no public measure |
| EQUIFAX, INC. | 32 | 6.9% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 29 | 6.2% | no public measure |
| Consumer Financial Services Solutions, Inc. | 22 | 4.7% | no public measure |
| Resurgent Capital Services L.P. | 21 | 4.5% | no public measure |
| Kikoff Inc. | 16 | 3.4% | no public measure |
| ENCORE CAPITAL GROUP INC. | 14 | 3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 13 | 2.8% | $662bn assets |
| NATIONAL DEBT RELIEF LLC | 11 | 2.4% | no public measure |
| Portfolio Recovery Associates, LLC | 10 | 2.2% | no public measure |
| Self Financial Inc. | 8 | 1.7% | no public measure |
| FREEDOM FINANCIAL NETWORK | 7 | 1.5% | no public measure |
| National Credit Systems,Inc. | 5 | 1.1% | no public measure |
| SYNCHRONY FINANCIAL | 5 | 1.1% | $115bn assets |
| JPMORGAN CHASE & CO. | 5 | 1.1% | $4.09tn assets |
| Paramount GR Holdings, LLC | 5 | 1.1% | no public measure |
| Americor Funding, LLC | 5 | 1.1% | no public measure |
| CL Holdings LLC | 5 | 1.1% | no public measure |
| All other companies, including those not listed by name | 217 | 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. 3 of the 18 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 |
|---|---|---|
| Confusing or missing disclosures | 132 | 28.4% |
| Didn't provide services promised | 114 | 24.5% |
| Charged upfront or unexpected fees | 72 | 15.5% |
| Unauthorized withdrawals or charges | 52 | 11.2% |
| Problem with customer service | 48 | 10.3% |
| Confusing or misleading advertising or marketing | 47 | 10.1% |
How companies responded
- Closed with explanation352 · 75.7%
- Closed with non-monetary relief59 · 12.7%
- Untimely response26 · 5.6%
- In progress15 · 3.2%
- All other categories13 · 2.8%
| Measure | Texas, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1.50 | 1.20 |
| Closed with monetary or non-monetary relief | 16% | 15.6% |
| Responses marked timely | 90.1% | 91.4% |
Trend
Other products in Texas
Credit reporting or other personal consumer reports · 1,037,270Debt collection · 54,311Credit 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 · 2,141
Questions and answers
How many Debt or credit management complaints come from Texas?
465 in the 12 months to 1 Oct 2026, 470 in the 12 months before and 1,094 since 2011.
Is that high for the population?
1.50 per 100,000 residents in Texas against 1.20 nationally.
Which issues come up most?
“Confusing or missing disclosures” (28.4%), “Didn't provide services promised” (24.5%), “Charged upfront or unexpected fees” (15.5%), “Unauthorized withdrawals or charges” (11.2%).
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.