On November 21, 2025, the CFPB published its Fair Debt Collection Practices Act Annual (FDCPA) Report for 2025. The report includes a summary of the CFPB's activities to administer the FDCPA in 2024 and activities related to debt collection that were conducted by the Federal Trade Commission.
Key highlights of the report include:
The CFPB received approximately 207,800 debt collection complaints in 2024, of which, the CFPB sent 77% to companies for their review and response, referred 18% to other regulatory agencies, and found 5% to be not actionable.
In 2024, the top issues in debt collection complaints include the following:
Attempts to collect debt not owed (45%)
Written notification about debt (31%)
False statements or representations (11%)
Took or threatened to take negative or legal action (7%)
The following provides a summary of the CFPB’s supervisory activities as they relate to consumer debt collection during 2024:
Failure to Provide Debt Validation Notices. Debt collectors failed to send required written or oral validation notices within five days of initial communication.
Use of False, Deceptive, or Misleading Representations. Collectors used incorrect business names, violating “true name” requirements and initial communications lacked mandatory disclosures that the communication was from a debt collector and that information obtained would be used for that purpose.
Contacting Consumers at Inconvenient Times/Places. CCollectors contacted consumers outside of acceptable hours and persisted in conversations despite being informed of the consumers' inability to talk.
Harassing, Oppressive, or Abusive Conduct. Agents used aggressive or abusive tones, even when consumers explained inability to pay due to medical issues.
Failure to Stop Using Specific Communication Mediums. Collectors continued using mediums (e.g., text messages) or specific phone numbers despite consumer requests not to.
Failure to Disclose in Subsequent Communications. Subsequent communications lacked the required “from a debt collector” disclosure and service providers failed to include disclosures.
Incorrect Statute-of-Limitations Documentation in Credit Card Collections. Credit card issuers miscalculated and misrepresented state statutes of limitations (e.g., listing 10 years instead of 5).
The report also includes the CFPB’s legal activities, such as amicus briefs issued, enforcement actions, consumer education, public outreach, rulemaking, research, and policy initiatives.
The report can be found here.