CFPB Consumer Complaint Profile
Credit Central Holdings, LLC
Consumers have filed 491 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 491
- Total complaints
- Above average
- 136
- Last 12 months
- 94.1%
- Timely response
- Below median
- 22
- States affected
The verdict
Credit Central Holdings, LLC ranks #519 of 3,843 financial companies by CFPB complaint volume, with 491 complaints on record. It posts a 94.1% on-time response rate, the 26th percentile among companies with 100+ complaints.
- #519
- of 3,843 companies by volume
- 94.1%
- on time (26th pctile)
- Debt collection
- most-complained product
- 22
- 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.
Credit Central Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.1% Around the middle higher than 26% 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 61 in 2024 to 120 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 | 5 |
| 2014 | 38 |
| 2015 | 33 |
| 2016 | 40 |
| 2017 | 21 |
| 2018 | 16 |
| 2019 | 16 |
| 2020 | 15 |
| 2021 | 24 |
| 2022 | 21 |
| 2023 | 33 |
| 2024 | 61 |
| 2025 | 120 |
| 2026year in progress | 48 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Central Holdings, LLC
491 complaints against Credit Central Holdings, LLC appear in the CFPB record, including 136 from the trailing year. The 22 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Credit Central Holdings, LLC's timely response rate stands at 94.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response at a 7.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.2% 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 Credit Central Holdings, LLC have?
491 complaints have been filed against Credit Central Holdings, LLC with the CFPB overall - 136 of them in the past year.
Does Credit Central Holdings, LLC respond to complaints on time?
Credit Central Holdings, LLC's CFPB timely-response rate is 94.1%.
What product generates the most complaints for Credit Central Holdings, LLC?
Among all products tied to Credit Central Holdings, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Credit Central Holdings, LLC?
Consumers most often cite "Incorrect information on your report" when complaining about Credit Central Holdings, LLC; the full issue list with counts is above.
How do I file a complaint against Credit Central Holdings, LLC?
You can file a complaint against Credit Central 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 Credit Central Holdings, LLC?
Credit Central Holdings, LLC has drawn CFPB complaints from 22 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 Credit Central 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 (7.1% 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.