CFPB · Single-product concentration

Debt Co LLC

186 CFPB complaints · 83.3% in "Debt collection" · top issue Attempts to collect debt not owed.

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186 CFPB complaints

Debt Co LLC: 83.3% of 186 CFPB complaints sit in "Debt collection". Timely 100% · relief 0%. Allegations, not findings.

  • Single-product concentration
  • +1300% filings 2021 to 2026

CFPB relief outcome brief

CCDB company debt-co-llc

0% relief · 100% timely · 186 filings · Debt collection

Same-product relief peers

Nearest relief peer: Transworld Systems Inc (0% relief)

Debt Co LLC (this)0%Evergreen Professional Recov…2.2%Massachusetts Educational Fi…0%Retail Merchants Associates0%Servatus Corporation16.7%
Closed-with-relief % among Debt Co LLC and nearest filing-volume peers

Debt Co LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

How 186 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.

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Timely response rate 100.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.0%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Debt Co LLC complaint mix by product

Total complaints: 186

Debt Co LLC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 186 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 155 complaints (83.3%), resolution 0.0% Debt collection 83.3% Credit reporting: 26 complaints (14.0%), resolution 0.0% Credit reporting 14.0% Credit reporting,: 4 complaints (2.2%), resolution 0.0% Student loan: 1 complaints (0.5%), resolution 0.0%
  • Debt collection 155 83.3% – 0% relief
  • Credit reporting 26 14.0% – 0% relief
  • Credit reporting, 4 2.2% – 0% relief
  • Student loan 1 0.5% – 0% relief

How Debt Co LLC's 186 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 155
Credit reporting or other personal consumer reports 26
Credit reporting, credit repair services, or other personal consumer reports 4
Student loan 1

Concentrated filing states for Debt Co LLC

Top states by attributed CFPB complaint volume for this company

Concentrated footprint
Leading state
TX
48.9% of this company's filings
TX91MO28IL8OK6AR6PA5SC4KS4

Debt Co LLC rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
70
+1300% vs 2021
020406080 202120222023202420252026 70

Top States

State Complaints
TX 91
MO 28
IL 8
OK 6
AR 6
PA 5
SC 4
KS 4
FL 4
MI 4
KY 3
OH 3
CO 2
NJ 2
OR 2
WI 1
IA 1
VA 1
NC 1
MS 1

Top Issues

Issue Complaints
Attempts to collect debt not owed 52
Took or threatened to take negative or legal action 44
Written notification about debt 31
False statements or representation 23
Incorrect information on your report 19
Improper use of your report 6
Communication tactics 4
Problem with a company's investigation into an existing problem 4
Getting a loan 1
Electronic communications 1
Problem with a credit reporting company's investigation into an existing problem 1

Yearly Trend

Year Complaints Timely
2021 5 100%
2022 15 100%
2023 15 100%
2024 26 100%
2025 55 100%
2026 70 100%

Source: CFPB Consumer Complaint Database

Debt Co LLC filings cluster in one product

Debt Co LLC's 186 logged complaints stay concentrated: only 29 states show a filing. Only 31.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2021 through 2026-06-16.

Debt Co LLC answers 100% of complaints inside the CFPB's tracked window and closes 99.5% with a written explanation. 0% 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 Debt Co LLC.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Debt Co 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: 186.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 100%.

4 peers

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 Debt Co LLC (100% timely; 0% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration