Who is complaining aboutDebt or credit management?
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 4,227 complaints in the product category “Debt or credit management” in the 12 months to 30 Sep 2026, about level with the 4,186 of the 12 months before. That is 0.1% of all complaints in the period and about 1.20 per 100,000 US residents.
378 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Confusing or missing disclosures” (27%).
Company responses in the category: 76.2% closed with an explanation, 11.4% closed with non-monetary relief, 3.5% closed with monetary relief, and 4.4% still in progress when the file was published. 91.4% 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 |
|---|---|---|---|---|
| Experian Information Solutions Inc. | 351 | 8.3% | no public measure | — |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 259 | 6.1% | no public measure | — |
| EQUIFAX, INC. | 256 | 6.1% | no public measure | — |
| Consumer Financial Services Solutions, Inc. | 192 | 4.5% | no public measure | — |
| NATIONAL DEBT RELIEF LLC | 169 | 4% | no public measure | — |
| ENCORE CAPITAL GROUP INC. | 140 | 3.3% | no public measure | — |
| FREEDOM FINANCIAL NETWORK | 94 | 2.2% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 93 | 2.2% | $662bn assets | 0.14 |
| The J. G. Wentworth Company | 92 | 2.2% | no public measure | — |
| Resurgent Capital Services L.P. | 89 | 2.1% | no public measure | — |
| Kikoff Inc. | 78 | 1.8% | no public measure | — |
| Americor Funding, LLC | 53 | 1.3% | no public measure | — |
| CL Holdings LLC | 49 | 1.2% | no public measure | — |
| Portfolio Recovery Associates, LLC | 47 | 1.1% | no public measure | — |
| Self Financial Inc. | 44 | 1% | no public measure | — |
| JPMORGAN CHASE & CO. | 41 | 1% | $4.09tn assets | 0.01 |
| SYNCHRONY FINANCIAL | 38 | 0.9% | $115bn assets | 0.33 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 38 | 0.9% | $2.65tn assets | 0.01 |
| Block, Inc. | 37 | 0.9% | no public measure | — |
| ClearOne Advantage, LLC | 30 | 0.7% | no public measure | — |
| LEXISNEXIS | 26 | 0.6% | no public measure | — |
| Affirm Holdings, Inc | 25 | 0.6% | no public measure | — |
| CITIBANK, N.A. | 25 | 0.6% | $1.98tn assets | 0.01 |
| Chime Financial Inc | 25 | 0.6% | no public measure | — |
| National Credit Systems,Inc. | 24 | 0.6% | no public measure | — |
| Bread Financial Holdings, Inc. | 24 | 0.6% | $21bn assets | 1.13 |
| WELLS FARGO & COMPANY | 23 | 0.5% | $1.92tn assets | 0.01 |
| Paypal Holdings, Inc | 21 | 0.5% | no public measure | — |
| Paramount GR Holdings, LLC | 19 | 0.4% | no public measure | — |
| CCS Financial Services, Inc. | 19 | 0.4% | no public measure | — |
| All other companies, including those not listed by name | 1,806 | 42.7% | — | — |
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 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
- Confusing or missing disclosures1,142 · 27%
- Didn't provide services promised1,028 · 24.3%
- Charged upfront or unexpected fees605 · 14.3%
- Problem with customer service561 · 13.3%
- Unauthorized withdrawals or charges464 · 11%
- All other categories427 · 10.1%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Confusing or missing disclosures | 1,142 | 27% |
| Didn't provide services promised | 1,028 | 24.3% |
| Charged upfront or unexpected fees | 605 | 14.3% |
| Problem with customer service | 561 | 13.3% |
| Unauthorized withdrawals or charges | 464 | 11% |
| Confusing or misleading advertising or marketing | 427 | 10.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Debt settlement | 2,358 | 55.8% |
| Credit repair services | 1,655 | 39.2% |
| Mortgage modification or foreclosure avoidance | 150 | 3.5% |
| Student loan debt relief | 64 | 1.5% |
How companies responded
- Closed with explanation3,223 · 76.2%
- Closed with non-monetary relief483 · 11.4%
- In progress187 · 4.4%
- Untimely response185 · 4.4%
- All other categories149 · 3.5%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 15.6% | 31.6% |
| Closed with monetary relief | 3.7% | 0.5% |
| Responses marked timely | 91.4% | 99.6% |
| Complaints tagged servicemember | 9.8% | 1.5% |
| Complaints tagged older American | 6.7% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| Florida | 609 | 2.60 |
| Mississippi | 66 | 2.20 |
| Georgia | 236 | 2.10 |
| Wisconsin | 110 | 1.80 |
| Nevada | 55 | 1.70 |
| Louisiana | 73 | 1.60 |
| Texas | 465 | 1.50 |
| Tennessee | 99 | 1.40 |
| Delaware | 15 | 1.40 |
| Maryland | 84 | 1.30 |
| Oklahoma | 52 | 1.30 |
| California | 464 | 1.20 |
| Massachusetts | 88 | 1.20 |
| Virginia | 105 | 1.20 |
| Arkansas | 38 | 1.20 |
The 15 states with the highest rate; national rate 1.20. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Debt or credit management complaints does the CFPB receive?
4,227 in the 12 months to 30 Sep 2026, against 4,186 in the 12 months before, and 10,411 since 2023.
Which companies receive the most complaints in this category?
By count, Experian Information Solutions Inc. (351), TRANSUNION INTERMEDIATE HOLDINGS, INC. (259), EQUIFAX, INC. (256) 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: “Confusing or missing disclosures” (27%), “Didn't provide services promised” (24.3%), “Charged upfront or unexpected fees” (14.3%), “Problem with customer service” (13.3%).
How do companies respond?
Across the category: 76.2% closed with an explanation, 11.4% closed with non-monetary relief, 3.5% closed with monetary relief, and 4.4% still in progress when the file was published. 91.4% 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.