2026 data Public-data reference. official source

Texas Guaranteed

249 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

249 consumer complaints filed with the CFPB

This profile shows Texas Guaranteed's complaint history from CFPB public records. 249 consumers have filed complaints since 2014. The company has a 95.2% timely response rate and has provided relief in 0.8% of cases.

249
Total Complaints
95.2%
Timely Response
1.2%
Disputed
0.8%
Relief Provided
31
States Active
2014
Since

Total complaints

249

Filed since 2014

Timely response

95.2%

CFPB-tracked response window

Relief rate

0.8%

Closed with monetary or non-monetary relief

Timely response rate 95.2%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.8%
Industry median

Share closed with monetary or non-monetary relief.

Texas Guaranteed complaint mix by product

Total complaints: 249

Texas Guaranteed complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 249 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Student loan: 102 complaints (41.0%), resolution 1.0% Student loan 41.0% Debt collection: 87 complaints (34.9%), resolution 1.1% Debt collection 34.9% Credit reporting,: 41 complaints (16.5%), resolution 0.0% Credit reporting, 16.5% Credit reporting: 16 complaints (6.4%), resolution 0.0% Credit reporting 6.4% Payday loan,: 2 complaints (0.8%), resolution 0.0% Credit reporting: 1 complaints (0.4%), resolution 0.0%
  • Student loan 102 41.0% 1% relief
  • Debt collection 87 34.9% 1% relief
  • Credit reporting, 41 16.5% 0% relief
  • Credit reporting 16 6.4% 0% relief
  • Payday loan, 2 0.8% 0% relief
  • Credit reporting 1 0.4% 0% relief

How Texas Guaranteed's 249 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Student loan 102
Debt collection 87
Credit reporting, credit repair services, or other personal consumer reports 41
Credit reporting or other personal consumer reports 16
Payday loan, title loan, or personal loan 2
Credit reporting 1

Top States

State Complaints
TX 118
FL 34
NY 16
GA 10
CA 9
OH 7
AZ 6
MN 4
SC 4
TN 4
MO 3
NC 3
OR 3
MD 2
WA 2
IA 2
MA 2
IL 2
VA 2
LA 2

Top Issues

Issue Complaints
Dealing with your lender or servicer 44
Incorrect information on your report 42
Attempts to collect debt not owed 32
Dealing with my lender or servicer 27
Took or threatened to take negative or legal action 17
Improper use of your report 13
Written notification about debt 12
Communication tactics 9
Problem with a credit reporting company's investigation into an existing problem 9
Struggling to repay your loan 8
Can't repay my loan 7
Problem with a company's investigation into an existing problem 7
False statements or representation 6
Threatened to contact someone or share information improperly 3
Cont'd attempts collect debt not owed 3
Disclosure verification of debt 2
Getting a loan 2
Improper contact or sharing of info 2
Confusing or missing disclosures 1
Taking/threatening an illegal action 1

Yearly Trend

Year Complaints Timely
2014 3 100%
2015 1 100%
2016 23 100%
2017 35 100%
2018 26 96.2%
2019 24 91.7%
2020 14 64.3%
2021 30 96.7%
2022 16 93.8%
2023 9 88.9%
2024 20 95%
2025 39 100%
2026 9 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Texas Guaranteed

Texas Guaranteed has accumulated 249 consumer complaints in the CFPB public database, with filings active across 31 U.S. states. Of those submissions, 93 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2014, and the most recent logged activity is 2026-04-08, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, Texas Guaranteed reports a 95.2% timely-response rate and has closed 96.4% of cases with a written explanation to the consumer. 0.8% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 1.2% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Student loan", and the single most common underlying issue is "Dealing with your lender or servicer".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Texas Guaranteed: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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.

Frequently Asked Questions

How many CFPB complaints does Texas Guaranteed have?

Texas Guaranteed has received 249 consumer complaints filed with the Consumer Financial Protection Bureau.

Does Texas Guaranteed respond to complaints on time?

Texas Guaranteed has a 95.2% timely response rate to CFPB complaints.

What is the most common complaint about Texas Guaranteed?

The most common issue reported against Texas Guaranteed is "Dealing with your lender or servicer" in the "Student loan" product category.

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