Who is complaining aboutCredit reporting 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.
The CFPB received 6,301,478 complaints in the product category “Credit reporting or other personal consumer reports” in the 12 months to 30 Sep 2026, up 49% on the 4,218,350 of the 12 months before. That is 90.8% of all complaints in the period and about 1,844 per 100,000 US residents.
961 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Incorrect information on your report” (59.7%).
Company responses in the category: 60.7% closed with an explanation, 29.8% closed with non-monetary relief, 0% closed with monetary relief, and 9.5% still in progress when the file was published. 99.9% were timely.
Tables below list companies by complaint count with their size beside them. Larger companies serve more customers and can be expected to receive more complaints; the per-size table covers only companies with a public asset figure.
Companies with the most complaints, with their size
Ordered by complaint count in the last 12 months. The size column is the public measure this site could match to the company; the last column divides the count by bank or credit union assets where one exists.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 2,245,487 | 35.6% | no public measure | — |
| EQUIFAX, INC. | 1,954,917 | 31% | no public measure | — |
| Experian Information Solutions Inc. | 1,862,514 | 29.6% | no public measure | — |
| LEXISNEXIS | 33,305 | 0.5% | no public measure | — |
| CBC Companies, Inc. | 24,517 | 0.4% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 10,591 | 0.2% | $662bn assets | 16.0 |
| Fidelity National Information Services, Inc. (FNIS) | 6,715 | 0.1% | no public measure | — |
| Resurgent Capital Services L.P. | 5,977 | 0.1% | no public measure | — |
| CITIBANK, N.A. | 4,597 | 0.1% | $1.98tn assets | 2.33 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 4,533 | 0.1% | $2.65tn assets | 1.71 |
| CL Holdings LLC | 4,484 | 0.1% | no public measure | — |
| JPMORGAN CHASE & CO. | 4,452 | 0.1% | $4.09tn assets | 1.09 |
| Early Warning Services, LLC | 4,397 | 0.1% | no public measure | — |
| Portfolio Recovery Associates, LLC | 3,767 | 0.1% | no public measure | — |
| ENCORE CAPITAL GROUP INC. | 3,712 | 0.1% | no public measure | — |
| SYNCHRONY FINANCIAL | 3,645 | 0.1% | $115bn assets | 31.6 |
| WELLS FARGO & COMPANY | 3,481 | 0.1% | $1.92tn assets | 1.81 |
| Bread Financial Holdings, Inc. | 3,279 | 0.1% | $21bn assets | 154 |
| NAVY FEDERAL CREDIT UNION | 2,900 | <0.1% | $204bn assets | 14.2 |
| AMERICAN EXPRESS COMPANY | 2,830 | <0.1% | $214bn assets | 13.2 |
| Affirm Holdings, Inc | 2,783 | <0.1% | no public measure | — |
| Self Financial Inc. | 2,756 | <0.1% | no public measure | — |
| Nelnet, Inc. | 2,523 | <0.1% | no public measure | — |
| ID Analytics, Inc. | 2,335 | <0.1% | no public measure | — |
| SANTANDER HOLDINGS USA, INC. | 2,273 | <0.1% | $104bn assets | 21.9 |
| ALLY FINANCIAL INC. | 2,234 | <0.1% | $188bn assets | 11.9 |
| CORELOGIC INC | 2,223 | <0.1% | no public measure | — |
| Kikoff Inc. | 1,950 | <0.1% | no public measure | — |
| BARCLAYS BANK DELAWARE | 1,692 | <0.1% | $43bn assets | 38.9 |
| CCS Financial Services, Inc. | 1,678 | <0.1% | no public measure | — |
| All other companies, including those not listed by name | 88,931 | 1.4% | — | — |
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. 12 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.
Complaints and size, for companies with a public asset figure
Banks, bank holding companies and credit unions with at least $10 billion in assets and at least 50 complaints in this category in 12 months, ordered by complaint count; the last column divides the count by assets. Assets measure the whole institution, not its credit reporting or other personal consumer reports business, so a lender that specialises in this product will show a higher figure than a diversified one of the same quality, and the figures are not a ranking.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 10,591 | 0.2% | $662bn assets | 16.0 |
| CITIBANK, N.A. | 4,597 | 0.1% | $1.98tn assets | 2.33 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 4,533 | 0.1% | $2.65tn assets | 1.71 |
| JPMORGAN CHASE & CO. | 4,452 | 0.1% | $4.09tn assets | 1.09 |
| SYNCHRONY FINANCIAL | 3,645 | 0.1% | $115bn assets | 31.6 |
| WELLS FARGO & COMPANY | 3,481 | 0.1% | $1.92tn assets | 1.81 |
| Bread Financial Holdings, Inc. | 3,279 | 0.1% | $21bn assets | 154 |
| NAVY FEDERAL CREDIT UNION | 2,900 | <0.1% | $204bn assets | 14.2 |
| AMERICAN EXPRESS COMPANY | 2,830 | <0.1% | $214bn assets | 13.2 |
| SANTANDER HOLDINGS USA, INC. | 2,273 | <0.1% | $104bn assets | 21.9 |
| ALLY FINANCIAL INC. | 2,234 | <0.1% | $188bn assets | 11.9 |
| BARCLAYS BANK DELAWARE | 1,692 | <0.1% | $43bn assets | 38.9 |
| TD BANK US HOLDING COMPANY | 1,653 | <0.1% | $375bn assets | 4.41 |
| GOLDMAN SACHS BANK USA | 1,527 | <0.1% | $759bn assets | 2.01 |
| TRUIST FINANCIAL CORPORATION | 1,283 | <0.1% | $548bn assets | 2.34 |
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. 15 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.
Issues
- Incorrect information on your report3,759,456 · 59.7%
- Improper use of your report1,293,988 · 20.5%
- Problem with a company's investigation into an existing problem1,197,174 · 19%
- Problem with fraud alerts or security freezes20,426 · 0.3%
- Unable to get your credit report or credit score18,094 · 0.3%
- All other categories12,340 · 0.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 3,759,456 | 59.7% |
| Improper use of your report | 1,293,988 | 20.5% |
| Problem with a company's investigation into an existing problem | 1,197,174 | 19% |
| Problem with fraud alerts or security freezes | 20,426 | 0.3% |
| Unable to get your credit report or credit score | 18,094 | 0.3% |
| Credit monitoring or identity theft protection services | 6,922 | 0.1% |
| Problem with a company's investigation into an existing issue | 4,897 | 0.1% |
| Identity theft protection or other monitoring services | 521 | <0.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting | 6,281,436 | 99.7% |
| Other personal consumer report | 20,042 | 0.3% |
How companies responded
- Closed with explanation3,822,119 · 60.7%
- Closed with non-monetary relief1,876,062 · 29.8%
- In progress598,286 · 9.5%
- Untimely response4,160 · 0.1%
- All other categories851 · <0.1%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 32.9% | 31.6% |
| Closed with monetary relief | 0% | 0.5% |
| Responses marked timely | 99.9% | 99.6% |
| Complaints tagged servicemember | 1% | 1.5% |
| Complaints tagged older American | 0.3% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| Mississippi | 174,344 | 5,902 |
| Georgia | 471,456 | 4,171 |
| Florida | 918,006 | 3,913 |
| Alabama | 192,305 | 3,703 |
| Louisiana | 164,787 | 3,568 |
| Texas | 1,036,037 | 3,267 |
| South Carolina | 165,598 | 2,973 |
| District of Columbia | 17,072 | 2,461 |
| Maryland | 139,671 | 2,229 |
| Nevada | 72,972 | 2,223 |
| Delaware | 22,704 | 2,142 |
| Illinois | 271,321 | 2,133 |
| North Carolina | 224,555 | 2,005 |
| New Jersey | 179,864 | 1,884 |
| Arkansas | 49,809 | 1,599 |
The 15 states with the highest rate; national rate 1,844. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Credit reporting or other personal consumer reports complaints does the CFPB receive?
6,301,478 in the 12 months to 30 Sep 2026, against 4,218,350 in the 12 months before, and 12,506,717 since 2023.
Which companies receive the most complaints in this category?
By count, TRANSUNION INTERMEDIATE HOLDINGS, INC. (2,245,487), EQUIFAX, INC. (1,954,917), Experian Information Solutions Inc. (1,862,514) in the last 12 months. 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” (59.7%), “Improper use of your report” (20.5%), “Problem with a company's investigation into an existing problem” (19%), “Problem with fraud alerts or security freezes” (0.3%).
How do companies respond?
Across the category: 60.7% closed with an explanation, 29.8% closed with non-monetary relief, 0% closed with monetary relief, and 9.5% still in progress when the file was published. 99.9% 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 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.