Debt relief & credit repair

Debt relief & credit repair complaints Debt relief & credit repair companies ranked

Consumers filed 4,314 complaints about debt relief & credit repair companies in the last 12 months (-1% on the year before). Fees paid up front, debts not settled, credit repair that didn't repair anything. The most complained-about is Experian.

Last 12 months: 4,314
Last 30 days: 218
Answered on time: 91%
Closed with relief: 16%
Money back: 3.8%
Companies: 1,407

Most complained-about debt relief & credit repair companies

#	Company	12 months	Change	On time	Relief	All time
1	Experian	351	+4%	100%	10%	1,702
2	Equifax	256	+30%	100%	32%	1,123
3	TransUnion	249	+26%	100%	58%	1,115
4	Consumer Financial Services Solutions	224	+104%	68.8%	0%	403
5	National Debt Relief	180	+50%	98.9%	0%	350
6	Encore Capital (Midland Credit)	146	+19%	100%	23%	384
7	Freedom Financial Network	96	+28%	100%	27%	492
8	Resurgent Capital Services	93	+31%	100%	21%	221
9	The J. G. Wentworth	91	+98%	100%	0%	157
10	Capital One	86	+7%	100%	16%	376
11	Kikoff	72	+11%	100%	0%	208
12	Americor Funding	54	+54%	100%	0%	154
13	CL Holdings	48	-2%	100%	54%	133
14	Credit Sage	44	+69%	56.8%	0%	81
15	Citizens Debt relief	44	new	38.6%	32%	61
16	Bank of America	42	+40%	92.9%	32%	219
17	Portfolio Recovery Associates	42	-2%	100%	51%	157
18	Five Lakes Law Group	41	new	75.6%	0%	65
19	JPMorgan Chase	40	-5%	100%	5%	177
20	Self Financial	39	-17%	97.4%	0%	223
21	ClearOne Advantage	36	+24%	77.8%	0%	125
22	Block (Cash App)	36	-45%	100%	0%	113
23	Credit Glory	34	new	35.3%	0%	70
24	Cordoba Legal Group	34	new	100%	0%	66
25	Synchrony	33	0%	97%	25%	177

Most likely to give relief

Least likely to give relief

Debt relief & credit repair complaints by month

2023202420252026

Latest full monthThis month so farPeak: 693 in January 2025

What people complain about

Debt relief & credit repair complaints by state

Per 100,000 people, last 12 monthsFewerMore

Your rights with debt relief & credit repair companies

The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.

Scam warning: Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Checking a companyHow to check if a financial company is legitVerify a financial company's license, check its complaint record and spot the red flags of a fake.8 min read Checking a companyHow to spot financial scamsThe warning signs of the most common money scams, and what to do right away if you have been scammed.8 min read Banking & paymentsPayment app scams and refunds: Zelle, Cash App, Venmo, PayPalWhat to do if you lose money on Zelle, Cash App, Venmo or PayPal, when the law requires a refund, and the scams to watch for.9 min read Filing a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min read Filing a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

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Complaint records are public consumer complaints filed with U.S. regulators, checked 3 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works