CFPB · Single-product concentration
National Business Factors
241 CFPB complaints · 84.2% in "Debt collection" · top issue Attempts to collect debt not owed.
National Business Factors: 84.2% of 241 CFPB complaints sit in "Debt collection". Timely 99.2% · relief 0.8%. Allegations, not findings.
- Single-product concentration
- +90% filings 2014 to 2026
CFPB relief outcome brief
CCDB company national-business-factors
0.8% relief · 99.2% timely · 241 filings · Debt collection
Same-product relief peers
Nearest relief peer: Cng Financial Corporation (0.8% relief)
National Business Factors closes 0.8% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
National Business Factors scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (4/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
4 / 100 percentile-benchmarked
0.8% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
99 / 100 percentile-benchmarked
99.2% of complaints closed with an explanation to the consumer
How 241 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.
National Business Factors complaint mix by product
- Debt collection 203 84.2% – 1% relief
- Credit reporting 22 9.1% – 0% relief
- Credit reporting, 16 6.6% – 0% relief
How National Business Factors's 241 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 203 |
| Credit reporting or other personal consumer reports | 22 |
| Credit reporting, credit repair services, or other personal consumer reports | 16 |
Concentrated filing states for National Business Factors
Top states by attributed CFPB complaint volume for this company
- Leading state
- NV
- 52.3% of this company's filings
National Business Factors rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 19
- +90% vs 2014
Top States
| State | Complaints |
|---|---|
| NV | 126 |
| CA | 61 |
| TX | 10 |
| WA | 9 |
| CO | 6 |
| OH | 4 |
| WV | 4 |
| RI | 4 |
| UT | 3 |
| FL | 2 |
| LA | 2 |
| MT | 2 |
| MI | 1 |
| KY | 1 |
| ME | 1 |
| OR | 1 |
| ID | 1 |
| NH | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 64 |
| Written notification about debt | 43 |
| False statements or representation | 35 |
| Took or threatened to take negative or legal action | 26 |
| Incorrect information on your report | 16 |
| Disclosure verification of debt | 14 |
| Cont'd attempts collect debt not owed | 11 |
| Improper use of your report | 8 |
| Communication tactics | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 8 |
| Problem with a company's investigation into an existing problem | 4 |
| Taking/threatening an illegal action | 2 |
| Problem with a company's investigation into an existing issue | 1 |
| Unable to get your credit report or credit score | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 10 | 100% |
| 2015 | 14 | 100% |
| 2016 | 7 | 100% |
| 2017 | 6 | 83.3% |
| 2018 | 14 | 92.9% |
| 2019 | 7 | 100% |
| 2020 | 21 | 100% |
| 2021 | 38 | 100% |
| 2022 | 9 | 100% |
| 2023 | 14 | 100% |
| 2024 | 32 | 100% |
| 2025 | 50 | 100% |
| 2026 | 19 | 100% |
Source: CFPB Consumer Complaint Database
National Business Factors filings cluster in one product
National Business Factors's 241 logged complaints stay concentrated: only 19 states show a filing. Only 36.1% 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 2026-06-22.
National Business Factors answers 99.2% of complaints inside the CFPB's tracked window and closes 99.2% with a written explanation. 0.8% 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 National Business Factors.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for National Business Factors: 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: 241.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.2%.
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 National Business Factors (99.2% timely; 0.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration