Which issues do consumers select?
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 complaint process does not verify the allegations in each consumer’s complaint narrative, nor can it, as a practical matter.
The CFPB complaint process does not verify the allegations in each consumer’s complaint narrative. This site shows no complaint narrative. A complaint is a consumer’s account of a problem. It is not a finding against the company.
Consumers selected 86 issue labels on complaints in the 12 months to 2 Nov 2026.
The issue Incorrect information on your report
had the largest count: 3,922,397, which is 54.7% of all complaints.
The 10 issues with the largest counts are 96.2% of all complaints in the period.
The largest rise was in the issue Took or threatened to take negative or legal action
: from 33,930 to 75,294 complaints.
The largest fall was in the issue Other transaction problem
: from 53,536 to 5,903 complaints.
Issues by count
| Issue (CFPB label) | Main product category | Complaints, 12 months | Share of all complaints | Complaints, 12 months before | Change |
|---|---|---|---|---|---|
Incorrect information on your report | Credit reporting or other personal consumer reports | 3,922,397 | 54.7% | 2,570,709 | +53% |
Improper use of your report | Credit reporting or other personal consumer reports | 1,328,693 | 18.5% | 1,062,278 | +25% |
Problem with a company's investigation into an existing problem | Credit reporting or other personal consumer reports | 1,244,019 | 17.4% | 790,603 | +57% |
Attempts to collect debt not owed | Debt collection | 140,489 | 2% | 109,065 | +29% |
Took or threatened to take negative or legal action | Debt collection | 75,294 | 1.1% | 33,930 | +122% |
Managing an account | Checking or savings account | 51,128 | 0.7% | 42,319 | +21% |
Written notification about debt | Debt collection | 49,995 | 0.7% | 62,475 | -20% |
False statements or representation | Debt collection | 34,225 | 0.5% | 39,156 | -13% |
Problem with a purchase shown on your statement | Credit card | 31,223 | 0.4% | 18,018 | +73% |
Problem with fraud alerts or security freezes | Credit reporting or other personal consumer reports | 20,441 | 0.3% | 13,757 | +49% |
Unable to get your credit report or credit score | Credit reporting or other personal consumer reports | 18,806 | 0.3% | 14,126 | +33% |
Trouble during payment process | Mortgage | 16,161 | 0.2% | 12,243 | +32% |
Problem with a lender or other company charging your account | Checking or savings account | 12,625 | 0.2% | 8,718 | +45% |
Closing an account | Checking or savings account | 11,554 | 0.2% | 9,682 | +19% |
Dealing with your lender or servicer | Student loan | 11,328 | 0.2% | 12,098 | -6% |
Fraud or scam | Money transfer, virtual currency, or money service | 11,260 | 0.2% | 10,574 | +6% |
Getting a credit card | Credit card | 11,073 | 0.2% | 10,530 | +5% |
Other features, terms, or problems | Credit card | 10,924 | 0.2% | 8,072 | +35% |
Fees or interest | Credit card | 9,926 | 0.1% | 7,421 | +34% |
Struggling to pay mortgage | Mortgage | 9,494 | 0.1% | 5,533 | +72% |
Communication tactics | Debt collection | 8,836 | 0.1% | 9,127 | -3% |
Problem when making payments | Credit card | 8,060 | 0.1% | 5,946 | +36% |
Credit monitoring or identity theft protection services | Credit reporting or other personal consumer reports | 7,616 | 0.1% | 8,495 | -10% |
Managing the loan or lease | Vehicle loan or lease | 7,525 | 0.1% | 5,311 | +42% |
Opening an account | Checking or savings account | 7,099 | 0.1% | 6,688 | +6% |
Largest rise
| Issue (CFPB label) | Main product category | Complaints, 12 months | Share of all complaints | Complaints, 12 months before | Change |
|---|---|---|---|---|---|
Took or threatened to take negative or legal action | Debt collection | 75,294 | 1.1% | 33,930 | +122% |
Problem with a company's investigation into an existing issue | Credit reporting or other personal consumer reports | 5,204 | 0.1% | 2,350 | +121% |
Problem with a purchase shown on your statement | Credit card | 31,223 | 0.4% | 18,018 | +73% |
Struggling to pay mortgage | Mortgage | 9,494 | 0.1% | 5,533 | +72% |
Managing, opening, or closing your mobile wallet account | Money transfer, virtual currency, or money service | 2,538 | 0% | 1,519 | +67% |
Problem with a company's investigation into an existing problem | Credit reporting or other personal consumer reports | 1,244,019 | 17.4% | 790,603 | +57% |
Problems at the end of the loan or lease | Vehicle loan or lease | 3,919 | 0.1% | 2,502 | +57% |
Incorrect information on your report | Credit reporting or other personal consumer reports | 3,922,397 | 54.7% | 2,570,709 | +53% |
Trouble accessing funds in your mobile or digital wallet | Money transfer, virtual currency, or money service | 4,039 | 0.1% | 2,714 | +49% |
Problem with fraud alerts or security freezes | Credit reporting or other personal consumer reports | 20,441 | 0.3% | 13,757 | +49% |
Largest fall
| Issue (CFPB label) | Main product category | Complaints, 12 months | Share of all complaints | Complaints, 12 months before | Change |
|---|---|---|---|---|---|
Other transaction problem | Money transfer, virtual currency, or money service | 5,903 | 0.1% | 53,536 | -89% |
Problem caused by your funds being low | Checking or savings account | 4,850 | 0.1% | 12,442 | -61% |
Other service problem | Money transfer, virtual currency, or money service | 1,013 | 0% | 2,052 | -51% |
Trouble using the card | Prepaid card | 2,033 | 0% | 2,935 | -31% |
Confusing or missing disclosures | Debt or credit management | 2,132 | 0% | 2,695 | -21% |
Written notification about debt | Debt collection | 49,995 | 0.7% | 62,475 | -20% |
False statements or representation | Debt collection | 34,225 | 0.5% | 39,156 | -13% |
Didn't provide services promised | Debt or credit management | 1,049 | 0% | 1,197 | -12% |
Struggling to repay your loan | Student loan | 3,692 | 0.1% | 4,176 | -12% |
Credit monitoring or identity theft protection services | Credit reporting or other personal consumer reports | 7,616 | 0.1% | 8,495 | -10% |
How were the figures made?
The consumer selects the issue on the CFPB form. The label shows the selection of the consumer. It does not show what a company did.
The rise and fall tables list only issues with 1,000 complaints or more in the 12 months before. Thus a small base does not make a large percentage. The tables leave out the retired labels.
A program makes this page from the CFPB file with fixed sentence rules. The counts run through 2 Nov 2026. How the counts are made. Sources.
What did this table show in earlier editions?
- October 2026: the first row was
Incorrect information on your report
(3,880,684).