CFPB Consumer Complaint Profile
HW Holding, Inc
Behind the 8,036 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 8,036
- Total complaints
- Among the highest
- 2,051
- Last 12 months
- 99.3%
- Timely response
- Above median
- 54
- States affected
The verdict
8,036 CFPB complaints put HW Holding, Inc at #74 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 99.3%, the 66th percentile for the 100+ complaint peer group.
- #74
- of 3,843 companies by volume
- 99.3%
- on time (66th pctile)
- Debt collection
- most-complained product
- 54
- 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.
HW Holding, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.3% Higher than most higher than 66% 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 1,229 in 2024 to 2,093 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 | 56 |
| 2014 | 194 |
| 2015 | 228 |
| 2016 | 255 |
| 2017 | 408 |
| 2018 | 451 |
| 2019 | 365 |
| 2020 | 450 |
| 2021 | 498 |
| 2022 | 513 |
| 2023 | 813 |
| 2024 | 1,229 |
| 2025 | 2,093 |
| 2026year in progress | 483 |
Complaints by State (Top 15)
Company Responses
HW Holding, Inc Complaint Concentration Profile
HW Holding, Inc is a high-volume CFPB cohort (8,036 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 30 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Debt collection) hold a 72.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.195 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, False statements or representation, Written notification about debt) cover a 60.5% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, Georgia) hold a 38.7% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 76.1% share among the 8,036 response-tagged complaints (6,114 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (2,093 complaints); the lightest year on file was 2013 (56). From 2024 to 2025, annual volume rose 70.3% (1,229 → 2,093). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for HW Holding, Inc
The CFPB Consumer Complaint Database has logged 8,036 complaints against HW Holding, Inc overall, with 2,051 of those filed in the trailing 12 months. Reports have come from consumers in 54 states and territories, making this a nationwide complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
HW Holding, Inc's timely response rate stands at 99.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 21% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 23.6%.
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 HW Holding, Inc have?
The CFPB has logged 8,036 complaints against HW Holding, Inc to date, of which 2,051 came in over the last 12 months.
Does HW Holding, Inc respond to complaints on time?
HW Holding, Inc has a 99.3% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for HW Holding, Inc?
Among all products tied to HW Holding, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with HW Holding, Inc?
Consumers most often cite "Attempts to collect debt not owed" when complaining about HW Holding, Inc; the full issue list with counts is above.
How do I file a complaint against HW Holding, Inc?
You can file a complaint against HW Holding, 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 HW Holding, Inc?
Consumers in 54 states and territories have filed complaints about HW Holding, Inc 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 HW Holding, Inc: 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 complaint volume
Nearest companies by total CFPB complaint count (8,036 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21% 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.