CNG HOLDINGS INC

CFPB Consumer Complaint Profile

521
Total Complaints
103
Last 12 Months
95.6%
Timely Response
47
States Affected
CNG HOLDINGS INC timely response rate 95.6%
Industry benchmark

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

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Other debt 137
Debt collection — I do not know 130
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 39
Credit reporting or other personal consumer reports — Credit reporting 38
Payday loan, title loan, or personal loan — Installment loan 37
Debt collection — Payday loan debt 27
Debt collection — Credit card debt 23
Payday loan, title loan, personal loan, or advance loan — Installment loan 18
Payday loan, title loan, personal loan, or advance loan — Payday loan 15
Credit reporting or other personal consumer reports — Other personal consumer report 6

Top Issues

1.Attempts to collect debt not owed 196
2.Incorrect information on your report 61
3.Took or threatened to take negative or legal action 50
4.False statements or representation 32
5.Written notification about debt 28
6.Charged fees or interest you didn't expect 22
7.Problem with the payoff process at the end of the loan 18
8.Improper use of your report 14
9.Communication tactics 14
10.Problem when making payments 13

Complaints by Year

Year Complaints
2017 31
2018 67
2019 61
2020 34
2021 38
2022 19
2023 49
2024 83
2025 121
2026 18

Complaints by State (Top 15)

Texas 77
Florida 37
California 35
Michigan 34
Georgia 30
New York 27
Pennsylvania 27
Ohio 26
Illinois 16
Missouri 15
North Carolina 14
Maryland 14
New Jersey 14
South Carolina 12
Colorado 8

Company Responses

Closed with explanation 516
Closed with monetary relief 5

What the CFPB Complaint Record Shows for CNG HOLDINGS INC

The CFPB Consumer Complaint Database has logged 521 complaints against CNG HOLDINGS INC overall, with 103 of those filed in the trailing 12 months. Reports have come from consumers in 47 states and territories, making this a nationwide complaint footprint. 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.

CNG HOLDINGS INC's timely response rate stands at 95.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 0% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 1% closed with some form of monetary or non-monetary relief to the consumer.

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 CNG HOLDINGS INC have?

CNG HOLDINGS INC has 521 total consumer complaints filed with the CFPB, with 103 filed in the last 12 months.

Does CNG HOLDINGS INC respond to complaints on time?

CNG HOLDINGS INC has a 95.6% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for CNG HOLDINGS INC?

The most complained-about product for CNG HOLDINGS INC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with CNG HOLDINGS INC?

The most common issue reported by consumers about CNG HOLDINGS INC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against CNG HOLDINGS INC?

You can file a complaint against CNG HOLDINGS INC 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 CNG HOLDINGS INC?

Consumers in 47 states and territories have filed complaints about CNG HOLDINGS INC with the CFPB.

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

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