Who was complaining inJuly 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 669,674 complaints received in July 2026, up 8% on the month before (620,832) and up 42% on the same month a year earlier (473,191).
“Credit reporting or other personal consumer reports” was the largest category with 615,265 complaints (91.9%). Responses recorded for the month: 64.4% closed with an explanation, 34.8% closed with non-monetary relief, 0.4% closed with monetary relief, and 0.1% still in progress when the file was published.
By product
- Credit reporting or other personal consumer reports615,265 · 91.9%
- Debt collection24,962 · 3.7%
- Credit card8,086 · 1.2%
- Checking or savings account7,989 · 1.2%
- Money transfer, virtual currency, or money service3,494 · 0.5%
- All other categories9,878 · 1.5%
| Product (CFPB label) | Complaints | Share | Same month a year earlier |
|---|---|---|---|
| Credit reporting or other personal consumer reports | 615,265 | 91.9% | 423,133 |
| Debt collection | 24,962 | 3.7% | 24,872 |
| Credit card | 8,086 | 1.2% | 8,105 |
| Checking or savings account | 7,989 | 1.2% | 6,403 |
| Money transfer, virtual currency, or money service | 3,494 | 0.5% | 2,823 |
| Mortgage | 3,103 | 0.5% | 2,173 |
| Vehicle loan or lease | 2,191 | 0.3% | 1,970 |
| Payday loan, title loan, personal loan, or advance loan | 1,822 | 0.3% | 1,244 |
| Student loan | 1,820 | 0.3% | 1,559 |
| Prepaid card | 551 | 0.1% | 560 |
| Debt or credit management | 391 | 0.1% | 349 |
Companies with the most complaints in the month, with their size
| Company (as named by the CFPB) | Complaints, Jul 2026 | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 220,213 | 32.9% | no public measure |
| EQUIFAX, INC. | 189,495 | 28.3% | no public measure |
| Experian Information Solutions Inc. | 189,386 | 28.3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 3,183 | 0.5% | $662bn assets |
| LEXISNEXIS | 3,046 | 0.5% | no public measure |
| CL Holdings LLC | 2,613 | 0.4% | no public measure |
| JPMORGAN CHASE & CO. | 2,126 | 0.3% | $4.09tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2,034 | 0.3% | $2.65tn assets |
| CITIBANK, N.A. | 2,024 | 0.3% | $1.98tn assets |
| ENCORE CAPITAL GROUP INC. | 2,022 | 0.3% | no public measure |
| Resurgent Capital Services L.P. | 1,959 | 0.3% | no public measure |
| Portfolio Recovery Associates, LLC | 1,953 | 0.3% | no public measure |
| WELLS FARGO & COMPANY | 1,763 | 0.3% | $1.92tn assets |
| Block, Inc. | 1,577 | 0.2% | no public measure |
| SYNCHRONY FINANCIAL | 1,282 | 0.2% | $115bn assets |
| Paypal Holdings, Inc | 1,245 | 0.2% | no public measure |
| Chime Financial Inc | 1,095 | 0.2% | no public measure |
| AMERICAN EXPRESS COMPANY | 964 | 0.1% | $214bn assets |
| CBC Companies, Inc. | 950 | 0.1% | no public measure |
| Kriya Capital, LLC | 901 | 0.1% | no public measure |
| All other companies, including those not listed by name | 39,843 | 5.9% | — |
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 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 explanation431,003 · 64.4%
- Closed with non-monetary relief232,742 · 34.8%
- Closed with monetary relief3,013 · 0.4%
- Untimely response2,076 · 0.3%
- All other categories840 · 0.1%
By state
| State | Complaints | Per 100,000 residents | Month report |
|---|---|---|---|
| Texas | 111,093 | 350 | Texas, Jul 2026 |
| Florida | 95,356 | 406 | Florida, Jul 2026 |
| California | 60,324 | 153 | California, Jul 2026 |
| Georgia | 47,473 | 420 | Georgia, Jul 2026 |
| New York | 33,524 | 168 | New York, Jul 2026 |
| Illinois | 27,155 | 214 | Illinois, Jul 2026 |
| North Carolina | 23,874 | 213 | North Carolina, Jul 2026 |
| Alabama | 23,037 | 444 | Alabama, Jul 2026 |
| Pennsylvania | 21,346 | 164 | Pennsylvania, Jul 2026 |
| Mississippi | 20,629 | 698 | Mississippi, Jul 2026 |
| New Jersey | 18,957 | 199 | New Jersey, Jul 2026 |
| Louisiana | 16,750 | 363 | Louisiana, Jul 2026 |
| South Carolina | 16,384 | 294 | South Carolina, Jul 2026 |
| Maryland | 13,720 | 219 | Maryland, Jul 2026 |
| Michigan | 12,400 | 122 | Michigan, Jul 2026 |
| Ohio | 11,831 | 99.4 | Ohio, Jul 2026 |
| Arizona | 11,638 | 153 | Arizona, Jul 2026 |
| Virginia | 10,940 | 123 | Virginia, Jul 2026 |
| Tennessee | 9,162 | 125 | Tennessee, Jul 2026 |
| Massachusetts | 7,910 | 111 | Massachusetts, Jul 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 July 2026?
669,674. The same month a year earlier: 473,191.
Which product categories drew the most complaints?
“Credit reporting or other personal consumer reports” (615,265), “Debt collection” (24,962), “Credit card” (8,086), “Checking or savings account” (7,989).
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.