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 2026-05-15

37,643
Total complaints
18,934
Last 12 months
100%
Timely response
59
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, CL Holdings LLC has accumulated 37,643 complaints, placing it #22 by volume. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.

#22
of 3,848 companies by volume
100%
answered on time
Debt collection
most-complained product
59
states with complaints
CL Holdings LLC timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 15,900
Credit reporting or other personal consumer reports - Credit reporting 6,643
Debt collection - Other debt 4,226
Debt collection - Telecommunications debt 4,121
Debt collection - Credit card debt 3,238
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 1,325
Debt collection - Auto debt 699
Debt collection - Other (i.e. phone, health club, etc.) 348
Debt collection - Credit card 168
Debt collection - Payday loan debt 140

Top Issues

1.Attempts to collect debt not owed 13,238
2.Written notification about debt 5,396
3.False statements or representation 4,303
4.Incorrect information on your report 4,282
5.Took or threatened to take negative or legal action 4,120
6.Improper use of your report 2,127
7.Problem with a company's investigation into an existing problem 1,309
8.Communication tactics 814
9.Electronic communications 401
10.Problem with a credit reporting company's investigation into an existing problem 334

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)

Texas 5,438
Florida 4,084
Georgia 3,633
California 3,255
Illinois 1,696
Pennsylvania 1,482
South Carolina 1,404
Alabama 1,151
Ohio 1,141
New York 1,136
Michigan 1,051
Virginia 1,041
Louisiana 948
North Carolina 899
Maryland 842

Company Responses

Closed with explanation 35,563
Closed with non-monetary relief 1,814
In progress 153
Closed with monetary relief 112
Untimely response 1

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 answers 100% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 7.6% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 5.1% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.