Who is complaining aboutCredit reporting, credit repair services, or other personal consumer reports?
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.
“Credit reporting, credit repair services, or other personal consumer reports” is a product label the CFPB no longer uses for new complaints. The database holds 2,163,770 complaints under it, received between 24 Apr 2017 and 25 Aug 2023; later complaints of this kind are filed under a newer label.
The figures on this page cover every year the label was in use. Company responses: 69.6% closed with an explanation, 30.1% closed with non-monetary relief, 0.2% closed with monetary relief.
Companies with the most complaints, with their size
Ordered by complaint count since 2011. The size column is the public measure this site could match to the company.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| EQUIFAX, INC. | 699,064 | 32.3% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 622,170 | 28.8% | no public measure |
| Experian Information Solutions Inc. | 568,365 | 26.3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 22,066 | 1% | $662bn assets |
| LEXISNEXIS | 9,285 | 0.4% | no public measure |
| SYNCHRONY FINANCIAL | 9,225 | 0.4% | $115bn assets |
| CITIBANK, N.A. | 9,071 | 0.4% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 9,041 | 0.4% | $4.09tn assets |
| WELLS FARGO & COMPANY | 7,888 | 0.4% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 7,859 | 0.4% | $2.65tn assets |
| Bread Financial Holdings, Inc. | 6,740 | 0.3% | $21bn assets |
| DISCOVER BANK | 5,669 | 0.3% | no public measure |
| Portfolio Recovery Associates, LLC | 4,231 | 0.2% | no public measure |
| ALLY FINANCIAL INC. | 4,225 | 0.2% | $188bn assets |
| AMERICAN EXPRESS COMPANY | 3,898 | 0.2% | $214bn assets |
| TD BANK US HOLDING COMPANY | 3,687 | 0.2% | $375bn assets |
| Resurgent Capital Services L.P. | 3,666 | 0.2% | no public measure |
| Santander Consumer USA Holdings Inc. | 3,586 | 0.2% | no public measure |
| Fidelity National Information Services, Inc. (FNIS) | 3,267 | 0.2% | no public measure |
| CORELOGIC INC | 3,055 | 0.1% | no public measure |
| Navient Solutions, LLC. | 2,950 | 0.1% | no public measure |
| NAVY FEDERAL CREDIT UNION | 2,934 | 0.1% | $204bn assets |
| ENCORE CAPITAL GROUP INC. | 2,922 | 0.1% | no public measure |
| Nelnet, Inc. | 2,833 | 0.1% | no public measure |
| BARCLAYS BANK DELAWARE | 2,701 | 0.1% | $43bn assets |
| CBC Companies, Inc. | 2,606 | 0.1% | no public measure |
| ID Analytics, Inc. | 2,557 | 0.1% | no public measure |
| U.S. BANCORP | 2,492 | 0.1% | $706bn assets |
| AES/PHEAA | 2,213 | 0.1% | no public measure |
| General Motors Financial Company, Inc. | 2,076 | 0.1% | no public measure |
| All other companies, including those not listed by name | 131,428 | 6.1% | — |
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. 13 of the 30 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.
Issues
- Incorrect information on your report1,014,586 · 46.9%
- Problem with a credit reporting company's investigation into an existing problem577,518 · 26.7%
- Improper use of your report510,337 · 23.6%
- Unable to get your credit report or credit score25,264 · 1.2%
- Problem with fraud alerts or security freezes15,094 · 0.7%
- All other categories20,971 · 1%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 1,014,586 | 46.9% |
| Problem with a credit reporting company's investigation into an existing problem | 577,518 | 26.7% |
| Improper use of your report | 510,337 | 23.6% |
| Unable to get your credit report or credit score | 25,264 | 1.2% |
| Problem with fraud alerts or security freezes | 15,094 | 0.7% |
| Credit monitoring or identity theft protection services | 12,175 | 0.6% |
| Problem with a company's investigation into an existing issue | 2,680 | 0.1% |
| Fraud or scam | 2,231 | 0.1% |
| Identity theft protection or other monitoring services | 1,010 | <0.1% |
| Problem with customer service | 814 | <0.1% |
| Confusing or misleading advertising or marketing | 735 | <0.1% |
| Confusing or missing disclosures | 569 | <0.1% |
| Unexpected or other fees | 483 | <0.1% |
| Excessive fees | 232 | <0.1% |
| Getting a credit card | 10 | <0.1% |
| Other CFPB issue categories | 32 | <0.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting | 2,142,647 | 99% |
| Other personal consumer report | 16,058 | 0.7% |
| Credit repair services | 5,064 | 0.2% |
| Conventional home mortgage | 1 | <0.1% |
How companies responded
- Closed with explanation1,507,052 · 69.6%
- Closed with non-monetary relief652,125 · 30.1%
- Closed with monetary relief3,279 · 0.2%
- Untimely response1,311 · 0.1%
- All other categories3 · <0.1%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 30.3% | 31.5% |
| Closed with monetary relief | 0.2% | 0.5% |
| Responses marked timely | 99.6% | 99.6% |
National trend
Questions and answers
How many Credit reporting, credit repair services, or other personal consumer reports complaints does the CFPB receive?
2,163,770 were filed under this label between 24 Apr 2017 and 25 Aug 2023. The CFPB has since replaced the label.
Which companies receive the most complaints in this category?
By count, EQUIFAX, INC. (699,064), TRANSUNION INTERMEDIATE HOLDINGS, INC. (622,170), Experian Information Solutions Inc. (568,365) across all years. Counts follow company size: “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.”
What are the complaints about?
The issues selected most often: “Incorrect information on your report” (46.9%), “Problem with a credit reporting company's investigation into an existing problem” (26.7%), “Improper use of your report” (23.6%), “Unable to get your credit report or credit score” (1.2%).
How do companies respond?
Across the category: 69.6% closed with an explanation, 30.1% closed with non-monetary relief, 0.2% closed with monetary relief. 99.6% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. A complaint is the consumer's account; the company's response is recorded beside 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.