CFPB · Single-product concentration
L.B.Gray LLC A Debt Collection Agency
54 CFPB complaints · 77.8% in "Debt collection" · top issue Attempts to collect debt not owed.
L.B.Gray LLC A Debt Collection Agency: 77.8% of 54 CFPB complaints sit in "Debt collection". Timely 100% · relief 1.9%. Allegations, not findings.
- Single-product concentration
- +600% filings 2014 to 2026
CFPB relief outcome brief
CCDB company l-b-gray-llc-a-debt-collection-agency
1.9% relief · 100% timely · 54 filings · Debt collection
Same-product relief peers
Nearest relief peer: Capital Accounts, LLC (1.9% relief)
L.B.Gray LLC A Debt Collection Agency closes 1.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 54 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.
L.B.Gray LLC A Debt Collection Agency complaint mix by product
- Debt collection 42 77.8% – 2% relief
- Credit reporting 9 16.7% – 0% relief
- Debt or 2 3.7% – 0% relief
- Credit reporting, 1 1.9% – 0% relief
How L.B.Gray LLC A Debt Collection Agency's 54 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 42 |
| Credit reporting or other personal consumer reports | 9 |
| Debt or credit management | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for L.B.Gray LLC A Debt Collection Agency
Top states by attributed CFPB complaint volume for this company
- Leading state
- IN
- 46.3% of this company's filings
L.B.Gray LLC A Debt Collection Agency rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 7
- +600% vs 2014
Top States
| State | Complaints |
|---|---|
| IN | 25 |
| FL | 7 |
| KY | 4 |
| GA | 4 |
| IL | 2 |
| MI | 2 |
| TX | 2 |
| OH | 2 |
| ID | 2 |
| VA | 1 |
| WA | 1 |
| PA | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 16 |
| Written notification about debt | 8 |
| False statements or representation | 7 |
| Took or threatened to take negative or legal action | 7 |
| Incorrect information on your report | 5 |
| Improper use of your report | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| Disclosure verification of debt | 2 |
| Charged upfront or unexpected fees | 1 |
| Problem with customer service | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Communication tactics | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 1 | 100% |
| 2017 | 1 | 100% |
| 2018 | 3 | 100% |
| 2019 | 1 | 100% |
| 2021 | 5 | 100% |
| 2022 | 4 | 100% |
| 2023 | 4 | 100% |
| 2024 | 8 | 100% |
| 2025 | 19 | 100% |
| 2026 | 7 | 100% |
Source: CFPB Consumer Complaint Database
L.B.Gray LLC A Debt Collection Agency filings cluster in one product
L.B.Gray LLC A Debt Collection Agency's 54 logged complaints stay concentrated: only 13 states show a filing. Only 37% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2026-05-20.
L.B.Gray LLC A Debt Collection Agency answers 100% of complaints inside the CFPB's tracked window and closes 96.3% with a written explanation. 1.9% 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 L.B.Gray LLC A Debt Collection Agency.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for L.B.Gray LLC A Debt Collection Agency: 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: 54.
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 L.B.Gray LLC A Debt Collection Agency (100% timely; 1.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration