Issues › Credit reporting or other personal consumer reports
Who is complaining aboutIncorrect information on your report?
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.
Consumers chose the issue “Incorrect information on your report” on 3,779,482 complaints in the 12 months to 1 Oct 2026, up 55% on the 2,436,733 of the 12 months before. That is 54.4% of all complaints received.
99.6% of them were filed under the product “Credit reporting or other personal consumer reports”, where the issue makes up 59.7% of that product's complaints.
Company responses on this issue: 60.8% closed with an explanation, 29.5% closed with non-monetary relief, 0% closed with monetary relief, and 9.6% still in progress when the file was published. 99.9% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 3,764,081 | 99.6% |
| Credit card | 7,888 | 0.2% |
| Student loan | 2,905 | 0.1% |
| Vehicle loan or lease | 2,159 | 0.1% |
| Payday loan, title loan, personal loan, or advance loan | 1,116 | <0.1% |
| Mortgage | 1,057 | <0.1% |
| Checking or savings account | 276 | <0.1% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Information belongs to someone else | 2,465,911 | 65.2% |
| Account information incorrect | 751,808 | 19.9% |
| Account status incorrect | 336,709 | 8.9% |
| Personal information incorrect | 133,514 | 3.5% |
| Information is missing that should be on the report | 48,446 | 1.3% |
| Public record information inaccurate | 23,410 | 0.6% |
| Old information reappears or never goes away | 16,458 | 0.4% |
| Information is incorrect | 2,941 | 0.1% |
| Information that should be on the report is missing | 285 | <0.1% |
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 |
|---|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,336,626 | 35.4% | no public measure | — |
| EQUIFAX, INC. | 1,168,055 | 30.9% | no public measure | — |
| Experian Information Solutions Inc. | 1,128,537 | 29.9% | no public measure | — |
| LEXISNEXIS | 22,741 | 0.6% | no public measure | — |
| CBC Companies, Inc. | 11,790 | 0.3% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 7,050 | 0.2% | $662bn assets | 10.7 |
| Resurgent Capital Services L.P. | 3,427 | 0.1% | no public measure | — |
| Fidelity National Information Services, Inc. (FNIS) | 3,231 | 0.1% | no public measure | — |
| CITIBANK, N.A. | 2,950 | 0.1% | $1.98tn assets | 1.49 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2,929 | 0.1% | $2.65tn assets | 1.10 |
| JPMORGAN CHASE & CO. | 2,772 | 0.1% | $4.09tn assets | 0.68 |
| Early Warning Services, LLC | 2,660 | 0.1% | no public measure | — |
| CL Holdings LLC | 2,554 | 0.1% | no public measure | — |
| Nelnet, Inc. | 2,336 | 0.1% | no public measure | — |
| SYNCHRONY FINANCIAL | 2,297 | 0.1% | $115bn assets | 19.9 |
| Bread Financial Holdings, Inc. | 2,252 | 0.1% | $21bn assets | 106 |
| ENCORE CAPITAL GROUP INC. | 2,099 | 0.1% | no public measure | — |
| WELLS FARGO & COMPANY | 2,082 | 0.1% | $1.92tn assets | 1.08 |
| Portfolio Recovery Associates, LLC | 1,964 | 0.1% | no public measure | — |
| AMERICAN EXPRESS COMPANY | 1,939 | 0.1% | $214bn assets | 9.06 |
| Affirm Holdings, Inc | 1,862 | <0.1% | no public measure | — |
| NAVY FEDERAL CREDIT UNION | 1,820 | <0.1% | $204bn assets | 8.91 |
| Self Financial Inc. | 1,792 | <0.1% | no public measure | — |
| MOHELA | 1,590 | <0.1% | no public measure | — |
| SANTANDER HOLDINGS USA, INC. | 1,485 | <0.1% | $104bn assets | 14.3 |
| All other companies, including those not listed by name | 60,642 | 1.6% | — | — |
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. 10 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 explanation2,298,237 · 60.8%
- Closed with non-monetary relief1,115,716 · 29.5%
- In progress362,198 · 9.6%
- Untimely response2,802 · 0.1%
- All other categories529 · <0.1%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 32.7% | 31.5% |
| Closed with monetary relief | 0% | 0.5% |
| Responses marked timely | 99.9% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Incorrect information on your report” 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. Sub-issues recorded under it include “Information belongs to someone else”, “Account information incorrect”, “Account status incorrect”.
How many complaints carry this issue?
3,779,482 in the 12 months to 1 Oct 2026 and 8,219,688 since 2017.
Which products does it apply to?
“Credit reporting or other personal consumer reports” (99.6%), “Credit card” (0.2%), “Student loan” (0.1%), “Vehicle loan or lease” (0.1%).
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.