CFPB Consumer Complaint Profile
EMCC Holdings, LLC
Consumers have filed 154 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
- 154
- Total complaints
- Mid-range
- 0
- Last 12 months
- 99.4%
- Timely response
- Above median
- 29
- States affected
The verdict
154 CFPB complaints put EMCC Holdings, LLC at #1085 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 99.4%, the 69th percentile among companies with 100+ complaints.
- #1085
- of 3,843 companies by volume
- 99.4%
- on time (69th pctile)
- Credit reporting, cr…
- most-complained product
- 29
- 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.
EMCC Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.4% Higher than most higher than 69% 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 |
|---|---|
| 2016 | 7 |
| 2017 | 7 |
| 2018 | 7 |
| 2019 | 12 |
| 2020 | 23 |
| 2021 | 33 |
| 2022 | 28 |
| 2023 | 22 |
| 2024 | 15 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for EMCC Holdings, LLC
154 complaints against EMCC Holdings, LLC appear in the CFPB record, including 0 from the trailing year. The 29 states and territories represented put this footprint in multi-regional territory. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
CFPB-forwarded complaints against EMCC Holdings, LLC draw a 99.4% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 20% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 2.6% 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 EMCC Holdings, LLC have?
The CFPB has logged 154 complaints against EMCC Holdings, LLC to date, of which 0 came in over the last 12 months.
Does EMCC Holdings, LLC respond to complaints on time?
CFPB complaints against EMCC Holdings, LLC draw a 99.4% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for EMCC Holdings, LLC?
The most complained-about product for EMCC Holdings, LLC is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with EMCC Holdings, LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about EMCC Holdings, LLC; the full issue list with counts is above.
How do I file a complaint against EMCC Holdings, LLC?
You can file a complaint against EMCC 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 EMCC Holdings, LLC?
Consumers in 29 states and territories have filed complaints about EMCC Holdings, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for EMCC 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 (20% here).
Also handles Credit reporting, credit repair services, 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.