States › Texas › January 2026, all states
Who in Texas 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 Texas sent the CFPB 86,124 complaints in January 2026, up 8% on the month before (79,496) and up 30% on the same month a year earlier (66,225).
That is 15.9% of the 541,264 complaints received nationally in the month, or 272 per 100,000 residents against 158 nationally.
| Measure | Texas | United States |
|---|---|---|
| Complaints, Jan 2026 | 86,124 | 541,264 |
| Per 100,000 residents | 272 | 158 |
| The month before | 79,496 | — |
| Same month a year earlier | 66,225 | — |
By product
- Credit reporting or other personal consumer reports77,525 · 90%
- Debt collection5,350 · 6.2%
- Credit card1,205 · 1.4%
- Checking or savings account719 · 0.8%
- Mortgage297 · 0.3%
- All other categories1,028 · 1.2%
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 77,525 | 90% |
| Debt collection | 5,350 | 6.2% |
| Credit card | 1,205 | 1.4% |
| Checking or savings account | 719 | 0.8% |
| Mortgage | 297 | 0.3% |
| Money transfer, virtual currency, or money service | 294 | 0.3% |
| Vehicle loan or lease | 255 | 0.3% |
| Payday loan, title loan, personal loan, or advance loan | 199 | 0.2% |
| Student loan | 198 | 0.2% |
| Prepaid card | 42 | <0.1% |
| Debt or credit management | 40 | <0.1% |
Companies with the most complaints from Texas in the month, with their size
| Company (as named by the CFPB) | Complaints, Jan 2026 | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 26,723 | 31% | no public measure |
| EQUIFAX, INC. | 25,626 | 29.8% | no public measure |
| Experian Information Solutions Inc. | 23,005 | 26.7% | no public measure |
| CBC Companies, Inc. | 542 | 0.6% | no public measure |
| CL Holdings LLC | 363 | 0.4% | no public measure |
| Resurgent Capital Services L.P. | 362 | 0.4% | no public measure |
| ENCORE CAPITAL GROUP INC. | 319 | 0.4% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 310 | 0.4% | $662bn assets |
| Portfolio Recovery Associates, LLC | 277 | 0.3% | no public measure |
| LEXISNEXIS | 250 | 0.3% | no public measure |
| JPMORGAN CHASE & CO. | 246 | 0.3% | $4.09tn assets |
| WELLS FARGO & COMPANY | 246 | 0.3% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 221 | 0.3% | $2.65tn assets |
| SYNCHRONY FINANCIAL | 215 | 0.2% | $115bn assets |
| CITIBANK, N.A. | 212 | 0.2% | $1.98tn assets |
| All other companies, including those not listed by name | 7,207 | 8.4% | — |
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. 6 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 Texas in January 2026?
86,124, which is 15.9% of the national total for the month. A year earlier: 66,225.
What were they about?
“Credit reporting or other personal consumer reports” (77,525), “Debt collection” (5,350), “Credit card” (1,205), “Checking or savings account” (719).
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.