Who is complaining aboutCredit reporting?
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” is a product label the CFPB no longer uses for new complaints. The database holds 140,426 complaints under it, received between 22 Oct 2012 and 22 Apr 2017; 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: 71.5% closed with an explanation, 27.7% closed with non-monetary relief, 0.5% 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. | 48,125 | 34.3% | no public measure |
| Experian Information Solutions Inc. | 45,373 | 32.3% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 39,816 | 28.4% | no public measure |
| Fidelity National Information Services, Inc. (FNIS) | 831 | 0.6% | no public measure |
| Credit Karma, LLC | 411 | 0.3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 363 | 0.3% | $662bn assets |
| CORELOGIC INC | 313 | 0.2% | no public measure |
| LEXISNEXIS | 305 | 0.2% | no public measure |
| CITIBANK, N.A. | 267 | 0.2% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 192 | 0.1% | $4.09tn assets |
| Innovis | 189 | 0.1% | no public measure |
| SYNCHRONY FINANCIAL | 183 | 0.1% | $115bn assets |
| FIRST ADVANTAGE CORPORATION | 171 | 0.1% | no public measure |
| WELLS FARGO & COMPANY | 157 | 0.1% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 126 | 0.1% | $2.65tn assets |
| ENCORE CAPITAL GROUP INC. | 107 | 0.1% | no public measure |
| Early Warning Services, LLC | 106 | 0.1% | no public measure |
| First Data Corporation | 81 | 0.1% | no public measure |
| Portfolio Recovery Associates, LLC | 80 | 0.1% | no public measure |
| BARCLAYS BANK DELAWARE | 76 | 0.1% | $43bn assets |
| Clarity Services | 75 | 0.1% | no public measure |
| DISCOVER BANK | 69 | <0.1% | no public measure |
| FACTUAL DATA CORP. | 64 | <0.1% | no public measure |
| HireRight Solutions, Inc. | 64 | <0.1% | no public measure |
| U.S. BANCORP | 62 | <0.1% | $706bn assets |
| ERC | 60 | <0.1% | no public measure |
| Sterling Infosystems Inc. | 59 | <0.1% | no public measure |
| Resurgent Capital Services L.P. | 57 | <0.1% | no public measure |
| Credit Plus Inc | 55 | <0.1% | no public measure |
| AMERICAN EXPRESS COMPANY | 54 | <0.1% | $214bn assets |
| All other companies, including those not listed by name | 2,535 | 1.8% | — |
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. 9 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 credit report102,681 · 73.1%
- Credit reporting company's investigation16,883 · 12%
- Unable to get credit report/credit score10,859 · 7.7%
- Improper use of my credit report5,579 · 4%
- Credit monitoring or identity protection4,424 · 3.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on credit report | 102,681 | 73.1% |
| Credit reporting company's investigation | 16,883 | 12% |
| Unable to get credit report/credit score | 10,859 | 7.7% |
| Improper use of my credit report | 5,579 | 4% |
| Credit monitoring or identity protection | 4,424 | 3.2% |
How companies responded
- Closed with explanation100,362 · 71.5%
- Closed with non-monetary relief38,848 · 27.7%
- Closed with monetary relief758 · 0.5%
- Closed435 · 0.3%
- All other categories23 · <0.1%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 28.2% | 31.5% |
| Closed with monetary relief | 0.5% | 0.5% |
| Responses marked timely | 99.8% | 99.6% |
National trend
Questions and answers
How many Credit reporting complaints does the CFPB receive?
140,426 were filed under this label between 22 Oct 2012 and 22 Apr 2017. The CFPB has since replaced the label.
Which companies receive the most complaints in this category?
By count, EQUIFAX, INC. (48,125), Experian Information Solutions Inc. (45,373), TRANSUNION INTERMEDIATE HOLDINGS, INC. (39,816) 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 credit report” (73.1%), “Credit reporting company's investigation” (12%), “Unable to get credit report/credit score” (7.7%), “Improper use of my credit report” (4%).
How do companies respond?
Across the category: 71.5% closed with an explanation, 27.7% closed with non-monetary relief, 0.5% closed with monetary relief. 99.8% 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.