CL Holdings LLC
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 33 |
| 2014 | 122 |
| 2015 | 170 |
| 2016 | 277 |
| 2017 | 421 |
| 2018 | 649 |
| 2019 | 673 |
| 2020 | 887 |
| 2021 | 1,322 |
| 2022 | 1,072 |
| 2023 | 1,942 |
| 2024 | 7,927 |
| 2025 | 15,538 |
| 2026 | 6,610 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for CL Holdings LLC
29,060 debt-collection complaints against CL Holdings LLC appear in the CFPB record - 77.2% of the 37,643 complaints filed about this entity. The 59 states and territories represented make this a nationwide operation by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
Within the Bureau's 15-day response window, this company answers 100% of forwarded complaints. That clears the industry benchmark, a sign the intake process is functioning on schedule. 5.1% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. In 7.6% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does CL Holdings LLC have?
CL Holdings LLC has 29,060 debt collection complaints filed with the CFPB, representing 77.2% of all complaints against this company.
Does CL Holdings LLC respond to complaints on time?
CL Holdings LLC's CFPB timely-response rate is 100%. This is considered excellent.
Does CL Holdings LLC provide relief to consumers?
CL Holdings LLC closed 5.1% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does CL Holdings LLC primarily collect?
"Other debt" is the debt type CL Holdings LLC is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against CL Holdings LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is CL Holdings LLC active?
CFPB data shows consumer complaints against CL Holdings LLC from 59 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.