CFPB Consumer Complaint Profile
Top Line Collectors LLC
What 41 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
- 41
- Total complaints
- Mid-range
- 41
- Last 12 months
- 100%
- Timely response
- Top decile
- 16
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Top Line Collectors LLC sits at #2018, with 41 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2018
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 16
- 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.
Top Line Collectors LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2025 | 23 |
| 2026year in progress | 18 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Top Line Collectors LLC
41 complaints against Top Line Collectors LLC appear in the CFPB record, including 41 from the trailing year. The 16 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Top Line Collectors LLC posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Top Line Collectors LLC have?
Top Line Collectors LLC has 41 total consumer complaints filed with the CFPB, with 41 filed in the last 12 months.
Does Top Line Collectors LLC respond to complaints on time?
Top Line Collectors LLC's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Top Line Collectors LLC?
The most complained-about product for Top Line Collectors LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Top Line Collectors LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Top Line Collectors LLC - see all issues and counts above.
How do I file a complaint against Top Line Collectors LLC?
You can file a complaint against Top Line Collectors 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 Top Line Collectors LLC?
The CFPB has recorded complaints against Top Line Collectors LLC from 16 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Top Line Collectors LLC have?
Top Line Collectors LLC has 41 total consumer complaints filed with the CFPB, with 41 filed in the last 12 months.
Does Top Line Collectors LLC respond to complaints on time?
Top Line Collectors LLC's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Top Line Collectors LLC?
The most complained-about product for Top Line Collectors LLC is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Top Line Collectors LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Top Line Collectors LLC - see all issues and counts above.
How do I file a complaint against Top Line Collectors LLC?
You can file a complaint against Top Line Collectors 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 Top Line Collectors LLC?
The CFPB has recorded complaints against Top Line Collectors LLC from 16 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.