Who was complaining inJanuary 2025?
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.
The CFPB complaint database holds 475,783 complaints received in January 2025, up 57% on the month before (303,981) and up 232% on the same month a year earlier (143,365).
“Credit reporting or other personal consumer reports” was the largest category with 365,867 complaints (76.9%). Responses recorded for the month: 60.3% closed with an explanation, 39% closed with non-monetary relief, 0.5% closed with monetary relief.
By product
- Credit reporting or other personal consumer reports365,867 · 76.9%
- Money transfer, virtual currency, or money service49,743 · 10.5%
- Debt collection23,830 · 5%
- Checking or savings account18,367 · 3.9%
- Credit card9,073 · 1.9%
- All other categories8,903 · 1.9%
| Product (CFPB label) | Complaints | Share | Same month a year earlier |
|---|---|---|---|
| Credit reporting or other personal consumer reports | 365,867 | 76.9% | 119,512 |
| Money transfer, virtual currency, or money service | 49,743 | 10.5% | 1,286 |
| Debt collection | 23,830 | 5% | 7,175 |
| Checking or savings account | 18,367 | 3.9% | 4,032 |
| Credit card | 9,073 | 1.9% | 5,247 |
| Student loan | 2,232 | 0.5% | 1,617 |
| Mortgage | 2,204 | 0.5% | 1,812 |
| Vehicle loan or lease | 1,920 | 0.4% | 1,070 |
| Payday loan, title loan, personal loan, or advance loan | 1,098 | 0.2% | 791 |
| Prepaid card | 756 | 0.2% | 681 |
| Debt or credit management | 693 | 0.1% | 142 |
Companies with the most complaints in the month, with their size
| Company (as named by the CFPB) | Complaints, Jan 2025 | Share | Company size |
|---|---|---|---|
| Experian Information Solutions Inc. | 120,090 | 25.2% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 116,568 | 24.5% | no public measure |
| EQUIFAX, INC. | 115,572 | 24.3% | no public measure |
| Block, Inc. | 31,327 | 6.6% | no public measure |
| Early Warning Services, LLC | 17,146 | 3.6% | no public measure |
| NAVY FEDERAL CREDIT UNION | 8,302 | 1.7% | $204bn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 7,601 | 1.6% | $662bn assets |
| CBC Companies, Inc. | 3,354 | 0.7% | no public measure |
| JPMORGAN CHASE & CO. | 2,654 | 0.6% | $4.09tn assets |
| Resurgent Capital Services L.P. | 2,507 | 0.5% | no public measure |
| WELLS FARGO & COMPANY | 1,964 | 0.4% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 1,880 | 0.4% | $2.65tn assets |
| CITIBANK, N.A. | 1,814 | 0.4% | $1.98tn assets |
| ENCORE CAPITAL GROUP INC. | 1,587 | 0.3% | no public measure |
| Portfolio Recovery Associates, LLC | 1,417 | 0.3% | no public measure |
| CL Holdings LLC | 1,331 | 0.3% | no public measure |
| LEXISNEXIS | 1,329 | 0.3% | no public measure |
| SYNCHRONY FINANCIAL | 1,172 | 0.2% | $115bn assets |
| MOHELA | 1,130 | 0.2% | no public measure |
| AMERICAN EXPRESS COMPANY | 1,087 | 0.2% | $214bn assets |
| All other companies, including those not listed by name | 35,951 | 7.6% | — |
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. 8 of the 20 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 explanation286,932 · 60.3%
- Closed with non-monetary relief185,770 · 39%
- Closed with monetary relief2,613 · 0.5%
- Untimely response468 · 0.1%
By state
| State | Complaints | Per 100,000 residents | Month report |
|---|---|---|---|
| Texas | 66,225 | 209 | Texas, Jan 2025 |
| Florida | 63,828 | 272 | Florida, Jan 2025 |
| California | 42,797 | 109 | California, Jan 2025 |
| Georgia | 38,427 | 340 | Georgia, Jan 2025 |
| New York | 28,736 | 144 | New York, Jan 2025 |
| Illinois | 24,502 | 193 | Illinois, Jan 2025 |
| Pennsylvania | 17,744 | 136 | Pennsylvania, Jan 2025 |
| North Carolina | 17,020 | 152 | North Carolina, Jan 2025 |
| New Jersey | 15,625 | 164 | New Jersey, Jan 2025 |
| Maryland | 12,284 | 196 | Maryland, Jan 2025 |
| Michigan | 11,620 | 115 | Michigan, Jan 2025 |
| South Carolina | 10,815 | 194 | South Carolina, Jan 2025 |
| Alabama | 10,625 | 205 | Alabama, Jan 2025 |
| Virginia | 10,404 | 117 | Virginia, Jan 2025 |
| Louisiana | 10,230 | 222 | Louisiana, Jan 2025 |
| Ohio | 10,142 | 85.2 | Ohio, Jan 2025 |
| Tennessee | 7,989 | 109 | Tennessee, Jan 2025 |
| Arizona | 6,972 | 91.5 | Arizona, Jan 2025 |
| Nevada | 6,440 | 196 | Nevada, Jan 2025 |
| Mississippi | 6,294 | 213 | Mississippi, Jan 2025 |
The 20 states with the most complaints in the month. Counts follow population.
Questions and answers
How many complaints did the CFPB receive in January 2025?
475,783. The same month a year earlier: 143,365.
Which product categories drew the most complaints?
“Credit reporting or other personal consumer reports” (365,867), “Money transfer, virtual currency, or money service” (49,743), “Debt collection” (23,830), “Checking or savings account” (18,367).
Can the month still change?
Yes. A complaint appears in the public file once the company responds or after 15 days, and the CFPB updates the file daily, so counts for recent months rise for a few weeks and response categories move from “In progress” to a closing category.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
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.