Credit Central Holdings, LLC
545 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Credit Central Holdings, LLC complaint mix by product
- Debt collection 249 46.0% – 0% relief
- Credit reporting 111 20.5% – 0% relief
- Consumer Loan 61 11.3% – 0% relief
- Credit reporting, 48 8.9% – 0% relief
- Payday loan, 34 6.3% – 0% relief
- Payday loan, 34 6.3% – 0% relief
- Payday loan 4 0.7% – 0% relief
How Credit Central Holdings, LLC's 545 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 249 |
| Credit reporting or other personal consumer reports | 111 |
| Consumer Loan | 61 |
| Credit reporting, credit repair services, or other personal consumer reports | 48 |
| Payday loan, title loan, or personal loan | 34 |
| Payday loan, title loan, personal loan, or advance loan | 34 |
| Payday loan | 4 |
| Debt or credit management | 1 |
| Credit card | 1 |
| Money transfer, virtual currency, or money service | 1 |
| Credit reporting | 1 |
Top States
| State | Complaints |
|---|---|
| SC | 165 |
| AL | 156 |
| TN | 63 |
| GA | 56 |
| TX | 55 |
| NC | 10 |
| LA | 8 |
| VA | 3 |
| FL | 3 |
| KY | 3 |
| PA | 2 |
| MO | 2 |
| VI | 2 |
| AZ | 2 |
| IL | 2 |
| MD | 2 |
| OH | 2 |
| IN | 1 |
| WA | 1 |
| IA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 95 |
| Attempts to collect debt not owed | 94 |
| Problems when you are unable to pay | 48 |
| Communication tactics | 47 |
| Took or threatened to take negative or legal action | 37 |
| Problem with a company's investigation into an existing problem | 36 |
| Improper use of your report | 33 |
| Improper contact or sharing of info | 19 |
| Written notification about debt | 18 |
| Problem when making payments | 18 |
| False statements or representation | 16 |
| Struggling to pay your loan | 15 |
| Managing the loan or lease | 12 |
| Taking/threatening an illegal action | 12 |
| Problem with a credit reporting company's investigation into an existing problem | 9 |
| Problem with the payoff process at the end of the loan | 9 |
| Charged fees or interest you didn't expect | 6 |
| Cont'd attempts collect debt not owed | 5 |
| Charged fees or interest I didn't expect | 3 |
| Problem with additional add-on products or services | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 100% |
| 2014 | 38 | 100% |
| 2015 | 33 | 93.9% |
| 2016 | 40 | 95% |
| 2017 | 21 | 95.2% |
| 2018 | 16 | 68.8% |
| 2019 | 16 | 87.5% |
| 2020 | 15 | 93.3% |
| 2021 | 24 | 100% |
| 2022 | 20 | 75% |
| 2023 | 33 | 75.8% |
| 2024 | 61 | 100% |
| 2025 | 124 | 98.4% |
| 2026 | 99 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Credit Central Holdings, LLC
Credit Central Holdings, LLC's 545 logged complaints stay concentrated: only 25 states show a filing on record. Only 31% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2026-06-24.
Credit Central Holdings, LLC answers 94.9% of complaints inside the CFPB's tracked window and closes 99.1% with a written explanation. 0.2% 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 "Incorrect information on your report."
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 Credit Central Holdings, LLC.
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.
Frequently Asked Questions
How many CFPB complaints does Credit Central Holdings, LLC have?
545, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Credit Central Holdings, LLC respond to complaints on time?
94.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Credit Central Holdings, LLC?
"Incorrect information on your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.