CFPB · Mid-pack CFPB posture
Credit Central Holdings, LLC
545 CFPB complaints · 25 states · top issue Incorrect information on your report.
Credit Central Holdings, LLC has 545 consumer complaints in the CFPB public database. Timely response is 94.9%; 0.2% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +1880% filings 2013 to 2026
CFPB relief outcome brief
CCDB company credit-central-holdings-llc
0.2% relief · 94.9% timely · 545 filings · Debt collection
Same-product relief peers
Nearest relief peer: NCB Management Services Inc. (0.2% relief)
Credit Central Holdings, LLC closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 545 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.
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 |
Where Credit Central Holdings, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- SC
- 30.3% of this company's filings
Credit Central Holdings, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 99
- +1880% vs 2013
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
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. Only 31% 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 2026-06-24.
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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credit Central 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: 545.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.9%.
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 Credit Central Holdings, LLC (94.9% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture