Companies › Credit reporting or other personal consumer reports
Who is complaining aboutPENTAGON FEDERAL CREDIT UNION?
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.
Complaints, last 12 months
871
899 in the 12 months before · 6,482 since 2011 · under 0.1% of all complaints the CFPB received
For its size
29.8per $1bn in assets
Against $29 billion, the total assets in its NCUA call report as of 30 Jun 2026.
Median among the 7 peer companies (main category Credit reporting or other personal consumer reports) with the same size measure: 7.87.
In the 12 months to 30 Sep 2026 the CFPB received 871 complaints naming PENTAGON FEDERAL CREDIT UNION, about level with the 899 of the 12 months before. Since 2011 the total is 6,482.
PENTAGON FEDERAL CREDIT UNION reported $29 billion in total assets to the NCUA as of 30 Jun 2026. Its 871 complaints in 12 months work out to 29.8 per $1 billion of those assets, above the median of 7.87 among the 7 peer companies in the same main category that share this size measure. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone.
32% of the complaints in that period fall under the CFPB product category “Credit reporting or other personal consumer reports”, followed by “Debt collection” at 18.6%. The issue selected most often was “Incorrect information on your report” (23.1%).
How the company's responses were recorded over the 12 months: 81.1% closed with an explanation, 12.1% closed with non-monetary relief, 6.5% closed with monetary relief, and 0.3% still in progress when the file was published. 99.9% of responses were marked timely; the median among the 131 companies whose complaints mainly concern “Credit reporting or other personal consumer reports” is 99.9%.
Among those 131 peer companies the median received 160 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | This company | Peer median (131 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 871 | 160 | 6,938,056 |
| Change on the 12 months before | -3% | 26% | 45% |
| Complaints per $1bn in assets (median of the 7 peers with this measure) | 29.8 | 7.87 | — |
| Responses marked timely | 99.9% | 99.9% | 99.6% |
| Closed with monetary or non-monetary relief | 18.7% | 0% | 31.6% |
Peers are the 131 companies on this site whose largest complaint category is Credit reporting or other personal consumer reports and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Credit reporting or other personal consumer reports279 · 32%
- Debt collection162 · 18.6%
- Checking or savings account136 · 15.6%
- Credit card111 · 12.7%
- Vehicle loan or lease92 · 10.6%
- All other categories91 · 10.4%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 201 | 23.1% |
| Managing an account | 85 | 9.8% |
| Took or threatened to take negative or legal action | 75 | 8.6% |
| Problem with a company's investigation into an existing problem | 55 | 6.3% |
| Attempts to collect debt not owed | 49 | 5.6% |
| Improper use of your report | 45 | 5.2% |
| Managing the loan or lease | 38 | 4.4% |
| Problem with a purchase shown on your statement | 27 | 3.1% |
| Trouble during payment process | 23 | 2.6% |
| Written notification about debt | 21 | 2.4% |
| Other CFPB issue categories | 252 | 28.9% |
Credit reporting or other personal consumer reports
279 complaints in the last 12 months (32% of this company's total); 332 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 17% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 182 | 65.2% |
| Problem with a company's investigation into an existing problem | 49 | 17.6% |
| Improper use of your report | 42 | 15.1% |
| Unable to get your credit report or credit score | 3 | 1.1% |
| Identity theft protection or other monitoring services | 1 | 0.4% |
| Other CFPB issue categories | 2 | 0.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 277 | 99.3% |
| Other personal consumer report | 2 | 0.7% |
Debt collection
162 complaints in the last 12 months (18.6% of this company's total); 91 in the 12 months before. That is 0.1% of all complaints in the category nationally. 4.9% of closed complaints ended with relief; 99.4% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 75 | 46.3% |
| Attempts to collect debt not owed | 49 | 30.2% |
| Written notification about debt | 21 | 13% |
| False statements or representation | 11 | 6.8% |
| Communication tactics | 3 | 1.9% |
| Other CFPB issue categories | 3 | 1.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| I do not know | 110 | 67.9% |
| Credit card debt | 27 | 16.7% |
| Other debt | 13 | 8% |
| Auto debt | 11 | 6.8% |
| Rental debt | 1 | 0.6% |
Checking or savings account
136 complaints in the last 12 months (15.6% of this company's total); 149 in the 12 months before. That is 0.2% of all complaints in the category nationally. 25% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 85 | 62.5% |
| Opening an account | 17 | 12.5% |
| Closing an account | 16 | 11.8% |
| Problem with a lender or other company charging your account | 8 | 5.9% |
| Problem caused by your funds being low | 8 | 5.9% |
| Other CFPB issue categories | 2 | 1.5% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 97 | 71.3% |
| Savings account | 24 | 17.6% |
| Other banking product or service | 14 | 10.3% |
| CD (Certificate of Deposit) | 1 | 0.7% |
Credit card
111 complaints in the last 12 months (12.7% of this company's total); 124 in the 12 months before. That is 0.1% of all complaints in the category nationally. 19.8% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 27 | 24.3% |
| Other features, terms, or problems | 17 | 15.3% |
| Closing your account | 11 | 9.9% |
| Getting a credit card | 10 | 9% |
| Problem when making payments | 10 | 9% |
| Other CFPB issue categories | 36 | 32.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| General-purpose credit card or charge card | 110 | 99.1% |
| Store credit card | 1 | 0.9% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation706 · 81.1%
- Closed with non-monetary relief105 · 12.1%
- Closed with monetary relief57 · 6.5%
- In progress3 · 0.3%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 863 | 99.1% |
| No public response category recorded | 8 | 0.9% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Florida | 106 | 12.2% |
| Texas | 93 | 10.7% |
| California | 71 | 8.2% |
| Georgia | 63 | 7.2% |
| New York | 53 | 6.1% |
| Maryland | 40 | 4.6% |
| Virginia | 38 | 4.4% |
| North Carolina | 33 | 3.8% |
| Pennsylvania | 29 | 3.3% |
| Illinois | 23 | 2.6% |
| Ohio | 20 | 2.3% |
| Nevada | 19 | 2.2% |
Top 12 of 49 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Credit reporting or other personal consumer reports, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about PENTAGON FEDERAL CREDIT UNION?
871 in the 12 months to 30 Sep 2026 (899 in the 12 months before that) and 6,482 since 2011. 42 arrived in the last 30 days and 176 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
PENTAGON FEDERAL CREDIT UNION reported $29 billion in total assets to the NCUA as of 30 Jun 2026. Its 871 complaints in 12 months work out to 29.8 per $1 billion of those assets, above the median of 7.87 among the 7 peer companies in the same main category that share this size measure. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone. The CFPB's own caution: “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.”
What are people complaining about?
32% of complaints in the last 12 months are filed under “Credit reporting or other personal consumer reports”. The issues selected most often were “Incorrect information on your report” (23.1%), “Managing an account” (9.8%), “Took or threatened to take negative or legal action” (8.6%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does PENTAGON FEDERAL CREDIT UNION respond to complaints?
81.1% were closed with an explanation, 12.1% with non-monetary relief and 6.5% with monetary relief; 99.9% of responses were timely (peer median 99.9%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: PENTAGON (NCUA charter 227). Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.