CFPB · Heavy filing volume
CL Holdings LLC
47.0K CFPB complaints (heavy-volume third) · 61 states · top issue Attempts to collect debt not owed.
CL Holdings LLC is in the heavy-volume third with 47.0K CFPB complaints (ranks #19 of 342). Timely 100% · relief 13.5% · top product Debt collection. Allegations, not findings.
- Heavy filing volume
- +48387.9% filings 2013 to 2026
CFPB relief outcome brief
CCDB company cl-holdings-llc
13.5% relief · 100% timely · 47.0K filings · Debt collection
Same-product relief peers
Nearest relief peer: Overton, Russell, Doerr and Donovan, LLP (13.5% relief)
CL Holdings LLC closes 13.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
CL Holdings LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (63/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
63 / 100 percentile-benchmarked
13.5% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
74 / 100 percentile-benchmarked
86.1% of complaints closed with an explanation to the consumer
How 47.0K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
CL Holdings LLC complaint mix by product
- Debt collection 37K 78.8% – 15% relief
- Credit reporting 8K 17.4% – 8% relief
- Credit reporting, 1K 2.9% – 18% relief
- Credit card 190 0.4% – 7% relief
- Debt or 103 0.2% – 7% relief
- Vehicle loan 98 0.2% – 10% relief
- Payday loan, 73 0.2% – 4% relief
Heavy-volume mix: how CL Holdings LLC's 47.0K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 37.0K |
| Credit reporting or other personal consumer reports | 8.2K |
| Credit reporting, credit repair services, or other personal consumer reports | 1.3K |
| Credit card | 190 |
| Debt or credit management | 103 |
| Vehicle loan or lease | 98 |
| Payday loan, title loan, personal loan, or advance loan | 73 |
| Credit card or prepaid card | 34 |
| Student loan | 32 |
| Credit reporting | 15 |
| Consumer Loan | 10 |
| Payday loan, title loan, or personal loan | 9 |
| Checking or savings account | 8 |
| Money transfer, virtual currency, or money service | 4 |
| Bank account or service | 2 |
| Mortgage | 1 |
Nationwide filing states for CL Holdings LLC
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 15% of this company's filings
CL Holdings LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 16.0K
- +48387.9% vs 2013
Volume vs. relief
Where CL Holdings LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, CL Holdings LLC files more complaint volume than 95% of them, and closes complaints with relief more often than 72% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 47,035 · Closed with relief: 13.5%
Top States
| State | Complaints |
|---|---|
| TX | 7.0K |
| FL | 5.2K |
| GA | 4.4K |
| CA | 3.9K |
| IL | 2.2K |
| SC | 1.9K |
| PA | 1.8K |
| AL | 1.6K |
| NY | 1.4K |
| OH | 1.4K |
| VA | 1.3K |
| MI | 1.2K |
| LA | 1.2K |
| NC | 1.2K |
| MD | 1.0K |
| NJ | 953 |
| AZ | 945 |
| TN | 862 |
| IN | 647 |
| NV | 604 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 17.8K |
| Written notification about debt | 6.5K |
| Took or threatened to take negative or legal action | 5.5K |
| Incorrect information on your report | 5.1K |
| False statements or representation | 4.9K |
| Improper use of your report | 2.5K |
| Problem with a company's investigation into an existing problem | 1.6K |
| Communication tactics | 934 |
| Electronic communications | 477 |
| Problem with a credit reporting company's investigation into an existing problem | 334 |
| Cont'd attempts collect debt not owed | 329 |
| Threatened to contact someone or share information improperly | 226 |
| Disclosure verification of debt | 201 |
| Getting a credit card | 69 |
| Credit monitoring or identity theft protection services | 64 |
| Repossession | 42 |
| Taking/threatening an illegal action | 34 |
| Confusing or missing disclosures | 33 |
| Struggling to pay your loan | 28 |
| Improper contact or sharing of info | 28 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 33 | 97% |
| 2014 | 122 | 100% |
| 2015 | 170 | 100% |
| 2016 | 277 | 100% |
| 2017 | 421 | 100% |
| 2018 | 648 | 99.8% |
| 2019 | 673 | 100% |
| 2020 | 887 | 99.7% |
| 2021 | 1.3K | 99.9% |
| 2022 | 1.1K | 100% |
| 2023 | 1.9K | 99.9% |
| 2024 | 7.9K | 100% |
| 2025 | 15.5K | 100% |
| 2026 | 16.0K | 100% |
Source: CFPB Consumer Complaint Database
CL Holdings LLC in the heavy-volume third
CL Holdings LLC's 47,035 logged complaints reach a nationwide footprint - 61 states have at least one filing. Only 29.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#19 of 342).
CL Holdings LLC answers 100% of complaints inside the CFPB's tracked window and closes 86.1% with a written explanation. 13.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about CL Holdings LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CL Holdings LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 47.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for CL Holdings LLC (#19 of 342; 100% timely; 13.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume