CFPB Consumer Complaint Profile
HW Holding, Inc
Behind the 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
By CFPB complaint volume, HW Holding, Inc is #74 out of 3,843 financial companies. For answering complaints on time it stands at the 66th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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).
Reading this profile
Source: CFPB Consumer Complaint Database
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's complaint volume is large enough to measure concentration - 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 shows a nationwide complaint footprint for HW Holding, Inc, with consumers across the country filing against it. "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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
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.
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.
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.