CFPB Consumer Complaint Profile
Sierra Holdings LLC
What 118 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 118
- Total complaints
- Mid-range
- 2
- Last 12 months
- 74.6%
- Timely response
- Bottom decile
- 24
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Sierra Holdings LLC sits at #1233, with 118 complaints logged. Its on-time response rate is 74.6%, the 7th percentile among companies with 100+ complaints.
- #1233
- of 3,843 companies by volume
- 74.6%
- on time (7th pctile)
- Credit reporting, cr…
- most-complained product
- 24
- states with 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.
Sierra Holdings LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
74.6% Among the lowest higher than 7% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 8 |
| 2015 | 10 |
| 2016 | 13 |
| 2017 | 29 |
| 2018 | 27 |
| 2019 | 13 |
| 2020 | 7 |
| 2021 | 3 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Sierra Holdings LLC
The CFPB Consumer Complaint Database has logged 118 complaints against Sierra Holdings LLC overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 24 states and territories, making this a multi-regional complaint footprint. "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. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Sierra Holdings LLC draw a 74.6% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 28.9% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 4.2% 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 Sierra Holdings LLC have?
118 complaints have been filed against Sierra Holdings LLC with the CFPB overall - 2 of them in the past year.
Does Sierra Holdings LLC respond to complaints on time?
CFPB complaints against Sierra Holdings LLC draw a 74.6% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Sierra Holdings LLC?
Among all products tied to Sierra Holdings LLC, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Sierra Holdings LLC?
"Improper use of your report" is the single most frequently cited issue in complaints against Sierra Holdings LLC - see all issues and counts above.
How do I file a complaint against Sierra Holdings LLC?
You can file a complaint against Sierra 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 Sierra Holdings LLC?
Sierra Holdings LLC has drawn CFPB complaints from 24 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 Sierra 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 (28.9% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Sierra Holdings LLC have?
118 complaints have been filed against Sierra Holdings LLC with the CFPB overall - 2 of them in the past year.
Does Sierra Holdings LLC respond to complaints on time?
CFPB complaints against Sierra Holdings LLC draw a 74.6% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Sierra Holdings LLC?
Among all products tied to Sierra Holdings LLC, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Sierra Holdings LLC?
"Improper use of your report" is the single most frequently cited issue in complaints against Sierra Holdings LLC - see all issues and counts above.
How do I file a complaint against Sierra Holdings LLC?
You can file a complaint against Sierra 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 Sierra Holdings LLC?
Sierra Holdings LLC has drawn CFPB complaints from 24 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.