Issues › Credit reporting or other personal consumer reports
Who is complaining aboutUnable to get your credit report or credit score?
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.
18,243 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “Unable to get your credit report or credit score”, up 35% on the 13,466 of the 12 months before; 65,812 since 2017.
99.2% of them were filed under the product “Credit reporting or other personal consumer reports”, where the issue makes up 0.3% of that product's complaints.
Company responses on this issue: 73.1% closed with an explanation, 15.8% closed with non-monetary relief, 0.3% closed with monetary relief, and 10.7% still in progress when the file was published. 99.8% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 18,094 | 99.2% |
| Credit card | 45 | 0.2% |
| Payday loan, title loan, personal loan, or advance loan | 29 | 0.2% |
| Mortgage | 28 | 0.2% |
| Vehicle loan or lease | 20 | 0.1% |
| Checking or savings account | 15 | 0.1% |
| Student loan | 12 | 0.1% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Other problem getting your report or credit score | 16,091 | 88.2% |
| Problem getting your free annual credit report | 2,152 | 11.8% |
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 |
|---|---|---|---|---|
| EQUIFAX, INC. | 11,310 | 62% | no public measure | — |
| Experian Information Solutions Inc. | 3,791 | 20.8% | no public measure | — |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,780 | 9.8% | no public measure | — |
| LEXISNEXIS | 274 | 1.5% | no public measure | — |
| Fidelity National Information Services, Inc. (FNIS) | 115 | 0.6% | no public measure | — |
| Early Warning Services, LLC | 91 | 0.5% | no public measure | — |
| CBC Companies, Inc. | 81 | 0.4% | no public measure | — |
| ID Analytics, Inc. | 54 | 0.3% | no public measure | — |
| Credit Karma, LLC | 48 | 0.3% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 46 | 0.3% | $662bn assets | 0.07 |
| MicroBilt / PRBC (formerly CL Verify) | 37 | 0.2% | no public measure | — |
| CORELOGIC INC | 34 | 0.2% | no public measure | — |
| FISERV FINXACT CORE | 28 | 0.2% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 26 | 0.1% | $2.65tn assets | 0.01 |
| National Consumer Telecom & Utilities Exchange, Inc. | 20 | 0.1% | no public measure | — |
| Pavilion Payments US BuyerCo, LLC | 20 | 0.1% | no public measure | — |
| CrossCheck, Inc. | 19 | 0.1% | no public measure | — |
| JPMORGAN CHASE & CO. | 17 | 0.1% | $4.09tn assets | 0.00 |
| SYNCHRONY FINANCIAL | 17 | 0.1% | $115bn assets | 0.15 |
| WELLS FARGO & COMPANY | 16 | 0.1% | $1.92tn assets | 0.01 |
| CITIBANK, N.A. | 16 | 0.1% | $1.98tn assets | 0.01 |
| Verisk Analytics Inc | 16 | 0.1% | no public measure | — |
| NAVY FEDERAL CREDIT UNION | 15 | 0.1% | $204bn assets | 0.07 |
| Nelnet, Inc. | 9 | <0.1% | no public measure | — |
| Bread Financial Holdings, Inc. | 8 | <0.1% | $21bn assets | 0.38 |
| All other companies, including those not listed by name | 355 | 1.9% | — | — |
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. 8 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 explanation13,343 · 73.1%
- Closed with non-monetary relief2,880 · 15.8%
- In progress1,950 · 10.7%
- Closed with monetary relief47 · 0.3%
- All other categories23 · 0.1%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 18% | 31.6% |
| Closed with monetary relief | 0.3% | 0.5% |
| Responses marked timely | 99.8% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Unable to get your credit report or credit score” 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 “Other problem getting your report or credit score”, “Problem getting your free annual credit report”.
How many complaints carry this issue?
18,243 in the 12 months to 30 Sep 2026 and 65,812 since 2017.
Which products does it apply to?
“Credit reporting or other personal consumer reports” (99.2%), “Credit card” (0.2%), “Payday loan, title loan, personal loan, or advance loan” (0.2%), “Mortgage” (0.2%).
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 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. 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.