Who is complaining?
Every complaint consumers send the Consumer Financial Protection Bureau about a bank, lender, servicer, credit bureau or debt collector is counted here by company, product, issue, state and month, and set beside the company's size wherever a public measure exists.
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Counted through 30 Sep 2026. A complaint is published once the company responds or after 15 days, so the latest two to three weeks are incomplete.
What are people complaining about?
- Credit reporting or other personal consumer reports6,301,478 · 90.8%
- Debt collection317,111 · 4.6%
- Credit card92,291 · 1.3%
- Checking or savings account85,481 · 1.2%
- Money transfer, virtual currency, or money service38,070 · 0.5%
- All other categories103,625 · 1.5%
Credit reporting or other personal consumer reports · 90.8%Debt collection · 4.6%Credit card · 1.3%Checking or savings account · 1.2%Money transfer, virtual currency, or money service · 0.5%Mortgage · 0.5%Vehicle loan or lease · 0.4%Student loan · 0.3%Payday loan, title loan, personal loan, or advance loan · 0.3%Prepaid card · 0.1%Debt or credit management · 0.1%
Incorrect information on your reportImproper use of your reportProblem with a company's investigation into an existing problemAttempts to collect debt not owedTook or threatened to take negative or legal actionWritten notification about debtManaging an accountFalse statements or representationProblem with a purchase shown on your statementProblem with fraud alerts or security freezes All issues →
When?
About which companies, and how large are they?
The 40 companies with the most complaints in the last 12 months. The three nationwide credit bureaus hold files on nearly every adult with credit, which is why they lead every count. All 1,361 companies →
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 2,259,514 | 32.6% | no public measure | — |
| EQUIFAX, INC. | 1,967,982 | 28.4% | no public measure | — |
| Experian Information Solutions Inc. | 1,875,938 | 27% | no public measure | — |
| LEXISNEXIS | 33,396 | 0.5% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 33,328 | 0.5% | $662bn assets | 50.3 |
| CL Holdings LLC | 28,262 | 0.4% | no public measure | — |
| JPMORGAN CHASE & CO. | 26,088 | 0.4% | $4.09tn assets | 6.38 |
| CBC Companies, Inc. | 24,573 | 0.4% | no public measure | — |
| Resurgent Capital Services L.P. | 24,570 | 0.4% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 23,714 | 0.3% | $2.65tn assets | 8.93 |
| ENCORE CAPITAL GROUP INC. | 23,275 | 0.3% | no public measure | — |
| CITIBANK, N.A. | 23,239 | 0.3% | $1.98tn assets | 11.8 |
| WELLS FARGO & COMPANY | 22,555 | 0.3% | $1.92tn assets | 11.8 |
| Portfolio Recovery Associates, LLC | 21,638 | 0.3% | no public measure | — |
| SYNCHRONY FINANCIAL | 16,236 | 0.2% | $115bn assets | 141 |
| Block, Inc. | 15,663 | 0.2% | no public measure | — |
| Chime Financial Inc | 12,408 | 0.2% | no public measure | — |
| Paypal Holdings, Inc | 11,800 | 0.2% | no public measure | — |
| AMERICAN EXPRESS COMPANY | 11,623 | 0.2% | $214bn assets | 54.3 |
| Bread Financial Holdings, Inc. | 10,769 | 0.2% | $21bn assets | 507 |
| CCS Financial Services, Inc. | 10,424 | 0.2% | no public measure | — |
| NAVY FEDERAL CREDIT UNION | 10,420 | 0.2% | $204bn assets | 51.0 |
| MOHELA | 8,914 | 0.1% | no public measure | — |
| Kriya Capital, LLC | 8,635 | 0.1% | no public measure | — |
| Affirm Holdings, Inc | 7,952 | 0.1% | no public measure | — |
| I.C. System, Inc. | 7,873 | 0.1% | no public measure | — |
| Fidelity National Information Services, Inc. (FNIS) | 7,458 | 0.1% | no public measure | — |
| National Credit Systems,Inc. | 7,421 | 0.1% | no public measure | — |
| U.S. BANCORP | 6,708 | 0.1% | $706bn assets | 9.51 |
| Nelnet, Inc. | 6,664 | 0.1% | no public measure | — |
| Early Warning Services, LLC | 6,653 | 0.1% | no public measure | — |
| SANTANDER HOLDINGS USA, INC. | 6,574 | 0.1% | $104bn assets | 63.2 |
| CAINE & WEINER COMPANY, INC. | 6,462 | 0.1% | no public measure | — |
| GOLDMAN SACHS BANK USA | 6,253 | 0.1% | $759bn assets | 8.24 |
| TD BANK US HOLDING COMPANY | 6,211 | 0.1% | $375bn assets | 16.6 |
| ALLY FINANCIAL INC. | 5,948 | 0.1% | $188bn assets | 31.6 |
| TRUIST FINANCIAL CORPORATION | 5,699 | 0.1% | $548bn assets | 10.4 |
| BARCLAYS BANK DELAWARE | 5,633 | 0.1% | $43bn assets | 130 |
| Spring Oaks Capital, LLC | 5,531 | 0.1% | no public measure | — |
| Servicer under contract with Federal Student Aid | 5,092 | 0.1% | no public measure | — |
| All other companies | 328,960 | 4.7% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 16 of the 40 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
From where?
| State | Complaints, 12 months | Per 100,000 residents | Change on prior 12 months |
|---|---|---|---|
| Texas | 1,121,149 | 3,536 | up 66% |
| Florida | 985,248 | 4,199 | up 40% |
| California | 638,691 | 1,623 | up 43% |
| Georgia | 513,095 | 4,540 | up 36% |
| New York | 349,968 | 1,750 | up 24% |
| Illinois | 294,044 | 2,312 | up 41% |
| North Carolina | 247,726 | 2,212 | up 46% |
| Pennsylvania | 225,648 | 1,728 | up 27% |
| Alabama | 204,431 | 3,937 | up 69% |
| New Jersey | 198,711 | 2,081 | up 26% |
| South Carolina | 183,067 | 3,287 | up 74% |
| Mississippi | 182,865 | 6,190 | up 141% |
All 50 states and the District of Columbia →
How do companies respond?
- Closed with explanation4,304,533 · 62%
- Closed with non-monetary relief1,966,676 · 28.3%
- In progress617,457 · 8.9%
- Closed with monetary relief30,881 · 0.4%
- All other categories18,509 · 0.3%
99.6% of responses in the last 12 months were marked timely and 31.6% of closed complaints ended with monetary or non-monetary relief. What the response categories mean →