CFPB · Diversified product mix
Sierra Holdings LLC
118 CFPB complaints · diversified mix (top product 30.5%) · top issue Improper use of your report.
Sierra Holdings LLC: top product "Credit reporting, credit repair services, or other personal consumer reports" is only 30.5% of 118 - multi-bucket mix. Timely 74.6% · relief 4.2%. Allegations, not findings.
- Diversified product mix
- -75% filings 2014 to 2025
CFPB relief outcome brief
CCDB company sierra-holdings-llc
4.2% relief · 74.6% timely · 118 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Motolease, LLC (4.5% relief)
Sierra Holdings LLC closes 4.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Sierra Holdings LLC scores strongest on timely response (56/100 percentile-benchmarked) and weakest on relief provided (20/100), 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
20 / 100 percentile-benchmarked
4.2% of complaints closed with relief to the consumer
Timely response
56 / 100 percentile-benchmarked
74.6% of complaints answered inside the CFPB 15-day window
Closed with explanation
55 / 100 percentile-benchmarked
75.4% of complaints closed with an explanation to the consumer
Most of Sierra Holdings LLC's 118 filings include narrative text
45.8% 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.
Sierra Holdings LLC complaint mix by product
- Credit reporting, 36 30.5% – 3% relief
- Debt collection 28 23.7% – 4% relief
- Consumer Loan 25 21.2% – 4% relief
- Vehicle loan 21 17.8% – 10% relief
- Credit reporting 3 2.5% – 0% relief
- Payday loan, 3 2.5% – 0% relief
- Credit reporting 2 1.7% – 0% relief
How Sierra Holdings LLC's 118 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 36 |
| Debt collection | 28 |
| Consumer Loan | 25 |
| Vehicle loan or lease | 21 |
| Credit reporting or other personal consumer reports | 3 |
| Payday loan, title loan, or personal loan | 3 |
| Credit reporting | 2 |
Where Sierra Holdings LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 22.9% of this company's filings
Sierra Holdings LLC falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- -75% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 27 |
| IL | 10 |
| GA | 8 |
| PA | 8 |
| MO | 7 |
| NC | 5 |
| NY | 5 |
| CA | 5 |
| SC | 4 |
| OH | 4 |
| MI | 4 |
| AZ | 4 |
| MN | 3 |
| FL | 3 |
| IN | 3 |
| WV | 2 |
| TN | 2 |
| NJ | 1 |
| MD | 1 |
| DE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 26 |
| Managing the loan or lease | 16 |
| Incorrect information on your report | 8 |
| Struggling to pay your loan | 8 |
| Attempts to collect debt not owed | 8 |
| Problems when you are unable to pay | 7 |
| Communication tactics | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Taking out the loan or lease | 4 |
| Cont'd attempts collect debt not owed | 4 |
| Improper contact or sharing of info | 4 |
| False statements or representation | 3 |
| Shopping for a loan or lease | 3 |
| Getting a loan or lease | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Incorrect information on credit report | 2 |
| Charged fees or interest you didn't expect | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Repossession | 1 |
| Disclosure verification of debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 8 | 87.5% |
| 2015 | 10 | 90% |
| 2016 | 13 | 69.2% |
| 2017 | 29 | 100% |
| 2018 | 27 | 100% |
| 2019 | 13 | 53.8% |
| 2020 | 7 | 0% |
| 2021 | 3 | 0% |
| 2022 | 2 | 0% |
| 2023 | 1 | 0% |
| 2024 | 3 | 0% |
| 2025 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Sierra Holdings LLC spreads across product buckets
Sierra Holdings LLC's 118 logged complaints stay concentrated: only 24 states show a filing. 45.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2025-10-18.
Sierra Holdings LLC answers 74.6% of complaints inside the CFPB's tracked window and closes 75.4% with a written explanation. 4.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Improper use of 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 Sierra Holdings LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Sierra 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: 118.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 74.6%.
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 Sierra Holdings LLC (74.6% timely; 4.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix