States › Kentucky › January 2026, all states
Who in Kentucky 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.
Consumers in Kentucky sent the CFPB 2,038 complaints in January 2026, down 4% on the month before (2,122) and down 13% on the same month a year earlier (2,339).
That is 0.4% of the 541,264 complaints received nationally in the month, or 44.2 per 100,000 residents against 158 nationally.
| Measure | Kentucky | United States |
|---|---|---|
| Complaints, Jan 2026 | 2,038 | 541,264 |
| Per 100,000 residents | 44.2 | 158 |
| The month before | 2,122 | — |
| Same month a year earlier | 2,339 | — |
By product
- Credit reporting or other personal consumer reports1,641 · 80.5%
- Debt collection166 · 8.1%
- Credit card63 · 3.1%
- Checking or savings account54 · 2.6%
- Money transfer, virtual currency, or money service31 · 1.5%
- All other categories83 · 4.1%
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 1,641 | 80.5% |
| Debt collection | 166 | 8.1% |
| Credit card | 63 | 3.1% |
| Checking or savings account | 54 | 2.6% |
| Money transfer, virtual currency, or money service | 31 | 1.5% |
| Student loan | 23 | 1.1% |
| Mortgage | 22 | 1.1% |
| Payday loan, title loan, personal loan, or advance loan | 15 | 0.7% |
| Vehicle loan or lease | 15 | 0.7% |
| Prepaid card | 6 | 0.3% |
| Debt or credit management | 2 | 0.1% |
Companies with the most complaints from Kentucky in the month, with their size
| Company (as named by the CFPB) | Complaints, Jan 2026 | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 548 | 26.9% | no public measure |
| EQUIFAX, INC. | 513 | 25.2% | no public measure |
| Experian Information Solutions Inc. | 487 | 23.9% | no public measure |
| SYNCHRONY FINANCIAL | 20 | 1% | $115bn assets |
| JPMORGAN CHASE & CO. | 18 | 0.9% | $4.09tn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 16 | 0.8% | $662bn assets |
| Paypal Holdings, Inc | 16 | 0.8% | no public measure |
| Chime Financial Inc | 15 | 0.7% | no public measure |
| ENCORE CAPITAL GROUP INC. | 15 | 0.7% | no public measure |
| Block, Inc. | 14 | 0.7% | no public measure |
| CITIBANK, N.A. | 14 | 0.7% | $1.98tn assets |
| Resurgent Capital Services L.P. | 14 | 0.7% | no public measure |
| MOHELA | 10 | 0.5% | no public measure |
| Bread Financial Holdings, Inc. | 10 | 0.5% | $21bn assets |
| Portfolio Recovery Associates, LLC | 10 | 0.5% | no public measure |
| All other companies, including those not listed by name | 318 | 15.6% | — |
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. 5 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 Kentucky in January 2026?
2,038, which is 0.4% of the national total for the month. A year earlier: 2,339.
What were they about?
“Credit reporting or other personal consumer reports” (1,641), “Debt collection” (166), “Credit card” (63), “Checking or savings account” (54).
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 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.