CFPB Consumer Complaint Profile
Clayton Holdings LLC
12 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 2
- Last 12 months
- 16.7%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Clayton Holdings LLC has accumulated 12 complaints, placing it #3492 by volume. It posts a 16.7% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #3492
- of 3,843 companies by volume
- 16.7%
- on time (1st pctile)
- Credit reporting or …
- most-complained product
- 7
- 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.
Clayton Holdings LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
16.7% Among the lowest higher than 1% 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
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 |
|---|---|
| 2014 | 3 |
| 2016 | 1 |
| 2020 | 1 |
| 2024 | 1 |
| 2025 | 5 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Clayton Holdings LLC
The CFPB Consumer Complaint Database has logged 12 complaints against Clayton Holdings LLC overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Clayton Holdings LLC draw a 16.7% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to 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, 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 Clayton Holdings LLC have?
Clayton Holdings LLC has 12 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Clayton Holdings LLC respond to complaints on time?
CFPB complaints against Clayton Holdings LLC draw a 16.7% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Clayton Holdings LLC?
The most complained-about product for Clayton Holdings LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Clayton Holdings LLC?
"Improper use of your report" is the single most frequently cited issue in complaints against Clayton Holdings LLC - see all issues and counts above.
How do I file a complaint against Clayton Holdings LLC?
You can file a complaint against Clayton 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 Clayton Holdings LLC?
The CFPB has recorded complaints against Clayton Holdings LLC from 7 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Clayton 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 dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Credit reporting or other personal consumer reports
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.