CFPB · Narrative-heavy record
EMCC Holdings, LLC
154 CFPB complaints · 65.6% with narratives · top issue Attempts to collect debt not owed.
EMCC Holdings, LLC: 65.6% of 154 filings include consumer narratives. Timely 99.4% · relief 2.6% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +114.3% filings 2016 to 2024
CFPB relief outcome brief
CCDB company emcc-holdings-llc
2.6% relief · 99.4% timely · 154 filings · Debt collection
Same-product relief peers
Nearest relief peer: CURO Intermediate Holdings (2.6% relief)
EMCC Holdings, LLC closes 2.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of EMCC Holdings, LLC's 154 filings include narrative text
65.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
EMCC Holdings, LLC complaint mix by product
- Debt collection 69 45.4% – 1% relief
- Credit reporting, 53 34.9% – 6% relief
- Credit reporting 13 8.6% – 0% relief
- Mortgage 8 5.3% – 0% relief
- Payday loan, 4 2.6% – 0% relief
- Credit card 3 2.0% – 0% relief
- Student loan 2 1.3% – 0% relief
How EMCC Holdings, LLC's 154 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 69 |
| Credit reporting, credit repair services, or other personal consumer reports | 53 |
| Credit reporting or other personal consumer reports | 13 |
| Mortgage | 8 |
| Payday loan, title loan, or personal loan | 4 |
| Credit card or prepaid card | 3 |
| Student loan | 2 |
| Credit card | 1 |
| Consumer Loan | 1 |
Where EMCC Holdings, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 12.3% of this company's filings
EMCC Holdings, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2024
- 15
- +114.3% vs 2016
Top States
| State | Complaints |
|---|---|
| CA | 19 |
| NY | 16 |
| FL | 12 |
| TX | 11 |
| GA | 11 |
| PA | 11 |
| VA | 7 |
| AZ | 6 |
| SC | 6 |
| NV | 6 |
| OK | 6 |
| MD | 5 |
| NJ | 5 |
| LA | 4 |
| MO | 4 |
| IN | 4 |
| TN | 3 |
| MS | 2 |
| AR | 2 |
| IL | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 42 |
| Incorrect information on your report | 33 |
| Problem with a credit reporting company's investigation into an existing problem | 19 |
| Improper use of your report | 15 |
| Written notification about debt | 9 |
| False statements or representation | 8 |
| Disclosure verification of debt | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Cont'd attempts collect debt not owed | 3 |
| Credit monitoring or identity theft protection services | 2 |
| Communication tactics | 2 |
| Closing on a mortgage | 2 |
| Trouble during payment process | 2 |
| Dealing with your lender or servicer | 2 |
| Problem when making payments | 2 |
| Delinquent account | 1 |
| Loan servicing, payments, escrow account | 1 |
| Problems when you are unable to pay | 1 |
| Getting the loan | 1 |
| Problem with a purchase shown on your statement | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 7 | 100% |
| 2017 | 7 | 100% |
| 2018 | 7 | 100% |
| 2019 | 12 | 100% |
| 2020 | 23 | 100% |
| 2021 | 33 | 100% |
| 2022 | 28 | 100% |
| 2023 | 22 | 95.5% |
| 2024 | 15 | 100% |
Source: CFPB Consumer Complaint Database
EMCC Holdings, LLC's narrative-rich complaint ledger
EMCC Holdings, LLC's 154 logged complaints stay concentrated: only 29 states show a filing. 65.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2024-05-17.
EMCC Holdings, LLC answers 99.4% of complaints inside the CFPB's tracked window and closes 97.4% with a written explanation. 2.6% 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 EMCC Holdings, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for EMCC 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: 154.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.4%.
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 EMCC Holdings, LLC (99.4% timely; 2.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record