Who was complaining inJanuary 2026?
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 541,264 complaints received in January 2026, up 6% on the month before (512,474) and up 14% on the same month a year earlier (475,783).
“Credit reporting or other personal consumer reports” was the largest category with 478,964 complaints (88.5%). Responses recorded for the month: 63.7% closed with an explanation, 35.4% closed with non-monetary relief, 0.6% closed with monetary relief.
By product
- Credit reporting or other personal consumer reports478,964 · 88.5%
- Debt collection31,014 · 5.7%
- Credit card9,516 · 1.8%
- Checking or savings account7,916 · 1.5%
- Money transfer, virtual currency, or money service3,478 · 0.6%
- All other categories10,376 · 1.9%
| Product (CFPB label) | Complaints | Share | Same month a year earlier |
|---|---|---|---|
| Credit reporting or other personal consumer reports | 478,964 | 88.5% | 365,867 |
| Debt collection | 31,014 | 5.7% | 23,830 |
| Credit card | 9,516 | 1.8% | 9,073 |
| Checking or savings account | 7,916 | 1.5% | 18,367 |
| Money transfer, virtual currency, or money service | 3,478 | 0.6% | 49,743 |
| Mortgage | 2,999 | 0.6% | 2,204 |
| Vehicle loan or lease | 2,523 | 0.5% | 1,920 |
| Student loan | 2,100 | 0.4% | 2,232 |
| Payday loan, title loan, personal loan, or advance loan | 1,689 | 0.3% | 1,098 |
| Prepaid card | 646 | 0.1% | 756 |
| Debt or credit management | 419 | 0.1% | 693 |
Companies with the most complaints in the month, with their size
| Company (as named by the CFPB) | Complaints, Jan 2026 | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 163,733 | 30.3% | no public measure |
| EQUIFAX, INC. | 152,967 | 28.3% | no public measure |
| Experian Information Solutions Inc. | 142,312 | 26.3% | no public measure |
| CBC Companies, Inc. | 4,642 | 0.9% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 2,987 | 0.6% | $662bn assets |
| LEXISNEXIS | 2,569 | 0.5% | no public measure |
| JPMORGAN CHASE & CO. | 2,550 | 0.5% | $4.09tn assets |
| Resurgent Capital Services L.P. | 2,396 | 0.4% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2,287 | 0.4% | $2.65tn assets |
| WELLS FARGO & COMPANY | 2,251 | 0.4% | $1.92tn assets |
| CITIBANK, N.A. | 2,205 | 0.4% | $1.98tn assets |
| CL Holdings LLC | 2,178 | 0.4% | no public measure |
| ENCORE CAPITAL GROUP INC. | 2,160 | 0.4% | no public measure |
| Portfolio Recovery Associates, LLC | 1,872 | 0.3% | no public measure |
| SYNCHRONY FINANCIAL | 1,713 | 0.3% | $115bn assets |
| Block, Inc. | 1,481 | 0.3% | no public measure |
| Paypal Holdings, Inc | 1,225 | 0.2% | no public measure |
| CCS Financial Services, Inc. | 1,100 | 0.2% | no public measure |
| AMERICAN EXPRESS COMPANY | 1,099 | 0.2% | $214bn assets |
| Bread Financial Holdings, Inc. | 1,072 | 0.2% | $21bn assets |
| All other companies, including those not listed by name | 46,465 | 8.6% | — |
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 explanation344,910 · 63.7%
- Closed with non-monetary relief191,635 · 35.4%
- Closed with monetary relief3,126 · 0.6%
- Untimely response1,592 · 0.3%
- All other categories1 · <0.1%
By state
| State | Complaints | Per 100,000 residents | Month report |
|---|---|---|---|
| Texas | 86,124 | 272 | Texas, Jan 2026 |
| Florida | 74,109 | 316 | Florida, Jan 2026 |
| California | 52,259 | 133 | California, Jan 2026 |
| Georgia | 40,810 | 361 | Georgia, Jan 2026 |
| New York | 28,297 | 142 | New York, Jan 2026 |
| Illinois | 23,461 | 185 | Illinois, Jan 2026 |
| North Carolina | 18,944 | 169 | North Carolina, Jan 2026 |
| Pennsylvania | 18,002 | 138 | Pennsylvania, Jan 2026 |
| New Jersey | 15,078 | 158 | New Jersey, Jan 2026 |
| Alabama | 14,201 | 274 | Alabama, Jan 2026 |
| South Carolina | 14,154 | 254 | South Carolina, Jan 2026 |
| Louisiana | 13,238 | 287 | Louisiana, Jan 2026 |
| Maryland | 12,757 | 204 | Maryland, Jan 2026 |
| Michigan | 10,902 | 108 | Michigan, Jan 2026 |
| Mississippi | 10,667 | 361 | Mississippi, Jan 2026 |
| Ohio | 10,265 | 86.3 | Ohio, Jan 2026 |
| Virginia | 9,738 | 110 | Virginia, Jan 2026 |
| Arizona | 9,010 | 118 | Arizona, Jan 2026 |
| Tennessee | 7,832 | 107 | Tennessee, Jan 2026 |
| Nevada | 6,879 | 210 | Nevada, Jan 2026 |
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 2026?
541,264. The same month a year earlier: 475,783.
Which product categories drew the most complaints?
“Credit reporting or other personal consumer reports” (478,964), “Debt collection” (31,014), “Credit card” (9,516), “Checking or savings account” (7,916).
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.