States › Arizona › Credit reporting or other personal consumer reports
Who in Arizona 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.
Arizona consumers filed 94,906 complaints under “Credit reporting or other personal consumer reports” in the 12 months to 1 Oct 2026, up 49% on the 63,484 of the 12 months before. That is 1,245 per 100,000 residents, below the national 1,846.
The category makes up 85.7% of the state's complaints, against 90.8% nationally. 34.1% of closed complaints ended with monetary or non-monetary relief (32.8% nationally) and 99.9% of responses were timely.
Companies with the most Credit reporting or other personal consumer reports complaints from Arizona, with their size
Ordered by complaints from Arizona consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from AZ, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 33,247 | 35% | no public measure |
| EQUIFAX, INC. | 29,887 | 31.5% | no public measure |
| Experian Information Solutions Inc. | 28,417 | 29.9% | no public measure |
| LEXISNEXIS | 527 | 0.6% | no public measure |
| CBC Companies, Inc. | 227 | 0.2% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 139 | 0.1% | $662bn assets |
| Fidelity National Information Services, Inc. (FNIS) | 91 | 0.1% | no public measure |
| JPMORGAN CHASE & CO. | 79 | 0.1% | $4.09tn assets |
| Resurgent Capital Services L.P. | 74 | 0.1% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 65 | 0.1% | $2.65tn assets |
| CL Holdings LLC | 65 | 0.1% | no public measure |
| Early Warning Services, LLC | 62 | 0.1% | no public measure |
| SYNCHRONY FINANCIAL | 56 | 0.1% | $115bn assets |
| ENCORE CAPITAL GROUP INC. | 56 | 0.1% | no public measure |
| CITIBANK, N.A. | 54 | 0.1% | $1.98tn assets |
| Affirm Holdings, Inc | 51 | 0.1% | no public measure |
| AMERICAN EXPRESS COMPANY | 49 | 0.1% | $214bn assets |
| WELLS FARGO & COMPANY | 45 | <0.1% | $1.92tn assets |
| Portfolio Recovery Associates, LLC | 44 | <0.1% | no public measure |
| Bread Financial Holdings, Inc. | 41 | <0.1% | $21bn assets |
| All other companies, including those not listed by name | 1,630 | 1.7% | — |
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. 8 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.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 54,730 | 57.7% |
| Problem with a company's investigation into an existing problem | 22,147 | 23.3% |
| Improper use of your report | 17,276 | 18.2% |
| Problem with fraud alerts or security freezes | 270 | 0.3% |
| Unable to get your credit report or credit score | 215 | 0.2% |
| Credit monitoring or identity theft protection services | 181 | 0.2% |
| Problem with a company's investigation into an existing issue | 74 | 0.1% |
| Identity theft protection or other monitoring services | 13 | <0.1% |
How companies responded
- Closed with explanation55,809 · 58.8%
- Closed with non-monetary relief28,923 · 30.5%
- In progress10,096 · 10.6%
- Untimely response58 · 0.1%
- All other categories20 · <0.1%
| Measure | Arizona, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1,245 | 1,846 |
| Closed with monetary or non-monetary relief | 34.1% | 32.8% |
| Responses marked timely | 99.9% | 99.9% |
Trend
Other products in Arizona
Debt collection · 9,242Credit card · 1,871Checking or savings account · 1,822Mortgage · 695Money transfer, virtual currency, or money service · 693Vehicle loan or lease · 515Payday loan, title loan, personal loan, or advance loan · 474Student loan · 331
Questions and answers
How many Credit reporting or other personal consumer reports complaints come from Arizona?
94,906 in the 12 months to 1 Oct 2026, 63,484 in the 12 months before and 188,441 since 2011.
Is that high for the population?
1,245 per 100,000 residents in Arizona against 1,846 nationally.
Which issues come up most?
“Incorrect information on your report” (57.7%), “Problem with a company's investigation into an existing problem” (23.3%), “Improper use of your report” (18.2%), “Problem with fraud alerts or security freezes” (0.3%).
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 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.