◆ Alpha CovenantPull a Record

Your community's record · from the CFPB database

TX — the record where you live.

Card
All productsCredit reportingDebt collectionMortgageCredit cardsBankingAuto & personal loansStudent loansMoney transfer & crypto
1,113,869
complaints from TX residents, last 12 months
+65.9%
vs the 12 months before (671,252)
104,908
still sitting in progress (2 yrs)
#1 of 51
by complaint volume
#6 of 51
per 100,000 residents (3,662.3 per 100k)
#8 of 51
by year-over-year growth
Closest to home
Harris County (Houston): 300,450 complaints in 12 months — 27% of all of TX
27,881 still open · +63.1% year over year · see the county record →

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Escalating fastest — product areas

  1. Credit reporting or other personal consumer reports
    +75.8% (584,977 → 1,028,550)
  2. Payday loan, title loan, personal loan, or advance loan
    +52.8% (1,389 → 2,122)
  3. Mortgage
    +46.3% (2,123 → 3,107)
  4. Vehicle loan or lease
    +32.8% (1,895 → 2,517)

Escalating fastest — issues

  1. Took or threatened to take negative or legal action
    +235% (5,764 → 19,309)
  2. Problem with a company's investigation into an existing issue
    +198.3% (233 → 695)
  3. Incorrect information on your report
    +97.1% (307,474 → 605,986)
  4. Struggling to pay mortgage
    +76.5% (511 → 902)

Escalating fastest — companies

  1. CL Holdings LLC
    +146.2% (1,977 → 4,867)
  2. Spring Oaks Capital, LLC
    +137% (538 → 1,275)
  3. LEXISNEXIS
    +135.9% (1,513 → 3,569)
  4. Chime Financial Inc
    +126.4% (497 → 1,125)

Most complained-about companies here

  1. TRANSUNION INTERMEDIATE HOLDINGS, INC.368,523
  2. EQUIFAX, INC.329,010
  3. Experian Information Solutions Inc.304,128
  4. CL Holdings LLC4,867
  5. ENCORE CAPITAL GROUP INC.3,662
  6. Resurgent Capital Services L.P.3,646
  7. CAPITAL ONE FINANCIAL CORPORATION3,635
  8. LEXISNEXIS3,569
  9. Portfolio Recovery Associates, LLC3,315
  10. CBC Companies, Inc.3,137
  11. JPMORGAN CHASE & CO.2,866
  12. WELLS FARGO & COMPANY2,545

Companies with the most open files here

  1. Experian Information Solutions Inc.56,113
  2. TRANSUNION INTERMEDIATE HOLDINGS, INC.33,238
  3. EQUIFAX, INC.13,124
  4. Kriya Capital, LLC230
  5. BANK OF AMERICA, NATIONAL ASSOCIATION211
  6. Portfolio Recovery Associates, LLC175
  7. SYNCHRONY FINANCIAL174
  8. NAVY FEDERAL CREDIT UNION129

What people here complain about

  1. Incorrect information on your report605,986
  2. Problem with a company's investigation into an existing problem213,652
  3. Improper use of your report205,252
  4. Took or threatened to take negative or legal action19,309
  5. Attempts to collect debt not owed18,408
  6. Written notification about debt9,897
  7. False statements or representation4,933
  8. Managing an account4,516

Which products

  1. Credit reporting or other personal consumer reports1,028,550
  2. Debt collection54,506
  3. Credit card9,129
  4. Checking or savings account7,915
  5. Money transfer, virtual currency, or money service3,498
  6. Mortgage3,107

CFPB complaints filed by consumers whose address is in this state. Counts scale with population and company size; they are not findings.

Source: Alpha Covenant Holdings, from the CFPB Consumer Complaint Database. Free to reprint with attribution and a link. · CFPB source

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