CFPB Consumer Complaint Profile
CL Holdings LLC
Behind the 37,643 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 37,643
- Total complaints
- Among the highest
- 18,934
- Last 12 months
- 100%
- Timely response
- Top decile
- 59
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, CL Holdings LLC has accumulated 37,643 complaints, placing it #22 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #22
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 59
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
CL Holdings LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 7,927 in 2024 to 15,538 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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 |
| 2026year in progress | 6,610 |
Complaints by State (Top 15)
Company Responses
CL Holdings LLC Complaint Concentration Profile
CL Holdings LLC is a high-volume CFPB cohort (37,643 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 51 named product lines in the stored breakdown, the leading three (Debt collection, Credit reporting or other personal consumer reports, Debt collection) hold a 71.1% share of product-tagged complaints. The Herfindahl index on that product mix is 0.243 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, False statements or representation) cover a 61.7% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, Georgia) hold a 35.0% share of state-tagged volume across 59 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 94.5% share among the 37,643 response-tagged complaints (35,563 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (15,538 complaints); the lightest year on file was 2013 (33). From 2024 to 2025, annual volume rose 96.0% (7,927 → 15,538). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for CL Holdings LLC
37,643 complaints against CL Holdings LLC appear in the CFPB record, including 18,934 from the trailing year. The 59 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, CL Holdings LLC posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 7.6% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 5.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CL Holdings LLC have?
CL Holdings LLC has 37,643 total consumer complaints filed with the CFPB, with 18,934 filed in the last 12 months.
Does CL Holdings LLC respond to complaints on time?
CL Holdings LLC's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for CL Holdings LLC?
"Debt collection" draws more CFPB complaints against CL Holdings LLC than any other product - see the full breakdown above.
What is the most common complaint issue with CL Holdings LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against CL Holdings LLC - see all issues and counts above.
How do I file a complaint against CL Holdings LLC?
You can file a complaint against CL Holdings LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CL Holdings LLC?
CL Holdings LLC has drawn CFPB complaints from 59 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for CL Holdings LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (37,643 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (7.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.