CFPB · Single-product concentration

V and H Portfolio

3.4K CFPB complaints · 74.3% in "Debt collection" · top issue Attempts to collect debt not owed.

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3.4K CFPB complaints

V and H Portfolio: 74.3% of 3.4K CFPB complaints sit in "Debt collection". Timely 99.2% · relief 13.4%. Allegations, not findings.

  • Volume rank #153 of 342
  • Single-product concentration
  • +7818.2% filings 2016 to 2026

CFPB relief outcome brief

CCDB company v-and-h-portfolio

13.4% relief · 99.2% timely · 3.4K filings · Debt collection

Same-product relief peers

Nearest relief peer: CL Holdings LLC (13.5% relief)

V and H Portfolio (this)13.4%Continental Finance Company,…0.4%Eastern Account Systems of C…0%Fiserv Finxact Core2.3%CURO Intermediate Holdings2.6%
Closed-with-relief % among V and H Portfolio and nearest filing-volume peers

V and H Portfolio closes 13.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

How 3.4K 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.

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Timely response rate 99.2%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 13.4%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

V and H Portfolio complaint mix by product

Total complaints: 3.4K

V and H Portfolio complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 3.4K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 2,562 complaints (74.4%), resolution 13.2% Debt collection 74.4% Credit reporting: 591 complaints (17.2%), resolution 0.0% Credit reporting 17.2% Credit reporting,: 240 complaints (7.0%), resolution 49.6% Credit reporting, 7.0% Payday loan,: 30 complaints (0.9%), resolution 0.0% Debt or: 10 complaints (0.3%), resolution 0.0% Payday loan,: 6 complaints (0.2%), resolution 50.0% Credit card: 4 complaints (0.1%), resolution 0.0%
  • Debt collection 3K 74.4% – 13% relief
  • Credit reporting 591 17.2% – 0% relief
  • Credit reporting, 240 7.0% – 50% relief
  • Payday loan, 30 0.9% – 0% relief
  • Debt or 10 0.3% – 0% relief
  • Payday loan, 6 0.2% – 50% relief
  • Credit card 4 0.1% – 0% relief

Higher-relief mix: how V and H Portfolio's 3.4K complaints split across CFPB product categories.

Complaints by Product

Product Complaints
Debt collection 2.6K
Credit reporting or other personal consumer reports 591
Credit reporting, credit repair services, or other personal consumer reports 240
Payday loan, title loan, personal loan, or advance loan 30
Debt or credit management 10
Payday loan, title loan, or personal loan 6
Credit card 4
Money transfer, virtual currency, or money service 1
Consumer Loan 1
Credit card or prepaid card 1
Vehicle loan or lease 1

Nationwide filing states for V and H Portfolio

Top states by attributed CFPB complaint volume for this company

Nationwide footprint
Leading state
TX
26.9% of this company's filings
TX926FL547CA308SC207GA186LA125OH124IL101

V and H Portfolio rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
871
+7818.2% vs 2016
05001,0001,500 20162017201820192020202120222023202420252026 871

Top States

State Complaints
TX 926
FL 547
CA 308
SC 207
GA 186
LA 125
OH 124
IL 101
MI 75
TN 73
AL 57
PA 57
MD 51
MO 50
AZ 44
IN 39
NY 38
OK 35
NC 33
WI 32

Top Issues

Issue Complaints
Attempts to collect debt not owed 1.3K
Written notification about debt 554
Incorrect information on your report 424
Took or threatened to take negative or legal action 328
False statements or representation 290
Improper use of your report 200
Problem with a company's investigation into an existing problem 145
Problem with a credit reporting company's investigation into an existing problem 64
Communication tactics 55
Threatened to contact someone or share information improperly 16
Electronic communications 14
Charged fees or interest you didn't expect 7
Received a loan you didn't apply for 7
Disclosure verification of debt 7
Credit monitoring or identity theft protection services 5
Confusing or missing disclosures 5
Cont'd attempts collect debt not owed 5
Problem with a company's investigation into an existing issue 3
Unauthorized withdrawals or charges 2
Can't contact lender or servicer 2

Yearly Trend

Year Complaints Timely
2016 11 72.7%
2017 20 95%
2018 16 93.8%
2019 44 68.2%
2020 109 100%
2021 220 95.9%
2022 159 100%
2023 348 100%
2024 593 100%
2025 1.1K 100%
2026 871 100%

Source: CFPB Consumer Complaint Database

V and H Portfolio filings cluster in one product

V and H Portfolio's 3,447 logged complaints reach a nationwide footprint - 51 states have at least one filing. Only 34.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2016 through 2026-06-26.

V and H Portfolio answers 99.2% of complaints inside the CFPB's tracked window and closes 85.5% with a written explanation. 13.4% 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 V and H Portfolio.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for V and H Portfolio: 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: 3.4K.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 99.2%.

4 peers

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 V and H Portfolio (#153 of 342; 99.2% timely; 13.4% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration