Issues › Debt or credit management
Who is complaining aboutConfusing or missing disclosures?
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.
2,092 complaints in the 12 months to 1 Oct 2026 carry the CFPB issue label “Confusing or missing disclosures”, down 21% on the 2,662 of the 12 months before; 7,622 since 2017.
54.7% of them were filed under the product “Debt or credit management”, where the issue makes up 27% of that product's complaints.
Company responses on this issue: 76.5% closed with an explanation, 15% closed with non-monetary relief, 2.4% closed with monetary relief, and 5% still in progress when the file was published. 97.3% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Debt or credit management | 1,144 | 54.7% |
| Money transfer, virtual currency, or money service | 848 | 40.5% |
| Payday loan, title loan, personal loan, or advance loan | 100 | 4.8% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| Block, Inc. | 285 | 13.6% | no public measure | — |
| Experian Information Solutions Inc. | 219 | 10.5% | no public measure | — |
| EQUIFAX, INC. | 205 | 9.8% | no public measure | — |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 196 | 9.4% | no public measure | — |
| Paypal Holdings, Inc | 185 | 8.8% | no public measure | — |
| JPMORGAN CHASE & CO. | 48 | 2.3% | $4.09tn assets | 0.01 |
| ENCORE CAPITAL GROUP INC. | 43 | 2.1% | no public measure | — |
| ROBINHOOD MARKETS INC. | 36 | 1.7% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 32 | 1.5% | $2.65tn assets | 0.01 |
| CAPITAL ONE FINANCIAL CORPORATION | 30 | 1.4% | $662bn assets | 0.05 |
| Resurgent Capital Services L.P. | 30 | 1.4% | no public measure | — |
| Chime Financial Inc | 29 | 1.4% | no public measure | — |
| WELLS FARGO & COMPANY | 26 | 1.2% | $1.92tn assets | 0.01 |
| LEXISNEXIS | 21 | 1% | no public measure | — |
| Coinbase, Inc. | 20 | 1% | no public measure | — |
| Consumer Financial Services Solutions, Inc. | 18 | 0.9% | no public measure | — |
| Portfolio Recovery Associates, LLC | 16 | 0.8% | no public measure | — |
| CL Holdings LLC | 15 | 0.7% | no public measure | — |
| NATIONAL DEBT RELIEF LLC | 14 | 0.7% | no public measure | — |
| TransferWise Ltd | 13 | 0.6% | no public measure | — |
| Newport Intermediate Inc. | 12 | 0.6% | no public measure | — |
| Activehours | 12 | 0.6% | no public measure | — |
| Kikoff Inc. | 11 | 0.5% | no public measure | — |
| The J. G. Wentworth Company | 11 | 0.5% | no public measure | — |
| SYNCHRONY FINANCIAL | 10 | 0.5% | $115bn assets | 0.09 |
| All other companies, including those not listed by name | 555 | 26.5% | — | — |
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. 5 of the 25 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.
How companies responded
- Closed with explanation1,600 · 76.5%
- Closed with non-monetary relief313 · 15%
- In progress105 · 5%
- Closed with monetary relief50 · 2.4%
- All other categories24 · 1.1%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 18.3% | 31.5% |
| Closed with monetary relief | 2.5% | 0.5% |
| Responses marked timely | 97.3% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Confusing or missing disclosures” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau.
How many complaints carry this issue?
2,092 in the 12 months to 1 Oct 2026 and 7,622 since 2017.
Which products does it apply to?
“Debt or credit management” (54.7%), “Money transfer, virtual currency, or money service” (40.5%), “Payday loan, title loan, personal loan, or advance loan” (4.8%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 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. 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. Search the CFPB database · Methodology · Report an error.