CFPB · Narrative-heavy record
Texas Guaranteed
329 CFPB complaints · 49.5% with narratives · top issue Dealing with your lender or servicer.
Texas Guaranteed: 49.5% of 329 filings include consumer narratives. Timely 95.7% · relief 0.6% · top product Student loan. Allegations, not findings.
- Narrative-heavy record
- +700% filings 2014 to 2026
CFPB relief outcome brief
CCDB company texas-guaranteed
0.6% relief · 95.7% timely · 329 filings · Student loan
Same-product relief peers
Nearest relief peer: Great Lakes (0.6% relief)
Texas Guaranteed closes 0.6% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Texas Guaranteed's 329 filings include narrative text
49.5% 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.
Texas Guaranteed complaint mix by product
- Student loan 131 39.8% – 1% relief
- Debt collection 121 36.8% – 1% relief
- Credit reporting, 47 14.3% – 0% relief
- Credit reporting 27 8.2% – 0% relief
- Payday loan, 2 0.6% – 0% relief
- Credit reporting 1 0.3% – 0% relief
How Texas Guaranteed's 329 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 131 |
| Debt collection | 121 |
| Credit reporting, credit repair services, or other personal consumer reports | 47 |
| Credit reporting or other personal consumer reports | 27 |
| Payday loan, title loan, or personal loan | 2 |
| Credit reporting | 1 |
Concentrated filing states for Texas Guaranteed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 46.8% of this company's filings
Texas Guaranteed rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 24
- +700% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 154 |
| FL | 42 |
| NY | 20 |
| CA | 13 |
| GA | 11 |
| OH | 9 |
| AZ | 8 |
| NC | 5 |
| VA | 5 |
| TN | 5 |
| KY | 4 |
| LA | 4 |
| SC | 4 |
| WI | 4 |
| MN | 4 |
| MO | 3 |
| MA | 3 |
| WA | 3 |
| OR | 3 |
| IN | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 61 |
| Incorrect information on your report | 54 |
| Attempts to collect debt not owed | 45 |
| Dealing with my lender or servicer | 32 |
| Took or threatened to take negative or legal action | 23 |
| Improper use of your report | 17 |
| Written notification about debt | 15 |
| Communication tactics | 14 |
| False statements or representation | 11 |
| Problem with a company's investigation into an existing problem | 10 |
| Struggling to repay your loan | 10 |
| Can't repay my loan | 9 |
| Problem with a credit reporting company's investigation into an existing problem | 9 |
| Threatened to contact someone or share information improperly | 5 |
| Getting a loan | 3 |
| Cont'd attempts collect debt not owed | 3 |
| Improper contact or sharing of info | 2 |
| Disclosure verification of debt | 2 |
| Taking/threatening an illegal action | 1 |
| Incorrect information on credit report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 3 | 100% |
| 2015 | 2 | 50% |
| 2016 | 26 | 100% |
| 2017 | 47 | 100% |
| 2018 | 28 | 96.4% |
| 2019 | 35 | 91.4% |
| 2020 | 21 | 76.2% |
| 2021 | 32 | 96.9% |
| 2022 | 22 | 95.5% |
| 2023 | 9 | 88.9% |
| 2024 | 23 | 95.7% |
| 2025 | 57 | 100% |
| 2026 | 24 | 100% |
Source: CFPB Consumer Complaint Database
Texas Guaranteed's narrative-rich complaint ledger
Texas Guaranteed's 329 logged complaints stay concentrated: only 35 states show a filing. 49.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-23.
Texas Guaranteed answers 95.7% of complaints inside the CFPB's tracked window and closes 96.7% with a written explanation. 0.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "Dealing with your lender or servicer."
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 Texas Guaranteed.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Texas Guaranteed: 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: 329.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.7%.
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 Texas Guaranteed (95.7% timely; 0.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record