States › California › December 2025, all states
Who in California was complaining inDecember 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.
Consumers in California sent the CFPB 48,921 complaints in December 2025, up 3% on the month before (47,437) and up 67% on the same month a year earlier (29,318).
That is 9.5% of the 512,474 complaints received nationally in the month, or 124 per 100,000 residents against 150 nationally.
| Measure | California | United States |
|---|---|---|
| Complaints, Dec 2025 | 48,921 | 512,474 |
| Per 100,000 residents | 124 | 150 |
| The month before | 47,437 | — |
| Same month a year earlier | 29,318 | — |
By product
- Credit reporting or other personal consumer reports42,133 · 86.1%
- Debt collection3,134 · 6.4%
- Credit card1,159 · 2.4%
- Checking or savings account1,043 · 2.1%
- Money transfer, virtual currency, or money service404 · 0.8%
- All other categories1,048 · 2.1%
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 42,133 | 86.1% |
| Debt collection | 3,134 | 6.4% |
| Credit card | 1,159 | 2.4% |
| Checking or savings account | 1,043 | 2.1% |
| Money transfer, virtual currency, or money service | 404 | 0.8% |
| Mortgage | 328 | 0.7% |
| Vehicle loan or lease | 242 | 0.5% |
| Student loan | 177 | 0.4% |
| Payday loan, title loan, personal loan, or advance loan | 160 | 0.3% |
| Prepaid card | 101 | 0.2% |
| Debt or credit management | 40 | 0.1% |
Companies with the most complaints from California in the month, with their size
| Company (as named by the CFPB) | Complaints, Dec 2025 | Share | Company size |
|---|---|---|---|
| EQUIFAX, INC. | 14,470 | 29.6% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 13,743 | 28.1% | no public measure |
| Experian Information Solutions Inc. | 12,590 | 25.7% | no public measure |
| JPMORGAN CHASE & CO. | 420 | 0.9% | $4.09tn assets |
| WELLS FARGO & COMPANY | 401 | 0.8% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 398 | 0.8% | $2.65tn assets |
| CITIBANK, N.A. | 354 | 0.7% | $1.98tn assets |
| Resurgent Capital Services L.P. | 272 | 0.6% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 269 | 0.5% | $662bn assets |
| Portfolio Recovery Associates, LLC | 267 | 0.5% | no public measure |
| ENCORE CAPITAL GROUP INC. | 251 | 0.5% | no public measure |
| SYNCHRONY FINANCIAL | 212 | 0.4% | $115bn assets |
| Bread Financial Holdings, Inc. | 200 | 0.4% | $21bn assets |
| LEXISNEXIS | 162 | 0.3% | no public measure |
| CL Holdings LLC | 154 | 0.3% | no public measure |
| All other companies, including those not listed by name | 4,758 | 9.7% | — |
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. 7 of the 15 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.
Questions and answers
How many CFPB complaints came from California in December 2025?
48,921, which is 9.5% of the national total for the month. A year earlier: 29,318.
What were they about?
“Credit reporting or other personal consumer reports” (42,133), “Debt collection” (3,134), “Credit card” (1,159), “Checking or savings account” (1,043).
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.