States › Kentucky › Credit reporting or other personal consumer reports
Who in Kentucky 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.
Kentucky consumers filed 22,301 complaints under “Credit reporting or other personal consumer reports” in the 12 months to 30 Sep 2026, up 41% on the 15,850 of the 12 months before. That is 484 per 100,000 residents, below the national 1,844.
The category makes up 84.6% of the state's complaints, against 90.8% nationally. 33.7% of closed complaints ended with monetary or non-monetary relief (32.9% nationally) and 99.8% of responses were timely.
Companies with the most Credit reporting or other personal consumer reports complaints from Kentucky, with their size
Ordered by complaints from Kentucky consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from KY, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 7,755 | 34.8% | no public measure |
| EQUIFAX, INC. | 6,655 | 29.8% | no public measure |
| Experian Information Solutions Inc. | 6,373 | 28.6% | no public measure |
| LEXISNEXIS | 120 | 0.5% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 64 | 0.3% | $662bn assets |
| CBC Companies, Inc. | 58 | 0.3% | no public measure |
| CL Holdings LLC | 48 | 0.2% | no public measure |
| Resurgent Capital Services L.P. | 46 | 0.2% | no public measure |
| ENCORE CAPITAL GROUP INC. | 35 | 0.2% | no public measure |
| CCS Financial Services, Inc. | 33 | 0.1% | no public measure |
| SYNCHRONY FINANCIAL | 31 | 0.1% | $115bn assets |
| Self Financial Inc. | 29 | 0.1% | no public measure |
| CITIBANK, N.A. | 28 | 0.1% | $1.98tn assets |
| National Credit Systems,Inc. | 28 | 0.1% | no public measure |
| Portfolio Recovery Associates, LLC | 27 | 0.1% | no public measure |
| Fidelity National Information Services, Inc. (FNIS) | 26 | 0.1% | no public measure |
| JPMORGAN CHASE & CO. | 23 | 0.1% | $4.09tn assets |
| Bread Financial Holdings, Inc. | 23 | 0.1% | $21bn assets |
| AMERICAN EXPRESS COMPANY | 22 | 0.1% | $214bn assets |
| Spring Oaks Capital, LLC | 21 | 0.1% | no public measure |
| All other companies, including those not listed by name | 856 | 3.8% | — |
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. 6 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
How companies responded
- Closed with explanation13,371 · 60%
- Closed with non-monetary relief6,804 · 30.5%
- In progress2,085 · 9.3%
- Untimely response34 · 0.2%
- All other categories7 · <0.1%
| Measure | Kentucky, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 484 | 1,844 |
| Closed with monetary or non-monetary relief | 33.7% | 32.9% |
| Responses marked timely | 99.8% | 99.9% |
Trend
Other products in Kentucky
Debt collection · 1,609Checking or savings account · 655Credit card · 597Money transfer, virtual currency, or money service · 309Mortgage · 260Vehicle loan or lease · 200Payday loan, title loan, personal loan, or advance loan · 177Student loan · 171
Questions and answers
How many Credit reporting or other personal consumer reports complaints come from Kentucky?
22,301 in the 12 months to 30 Sep 2026, 15,850 in the 12 months before and 45,582 since 2011.
Is that high for the population?
484 per 100,000 residents in Kentucky against 1,844 nationally.
Which issues come up most?
“Incorrect information on your report” (51.7%), “Problem with a company's investigation into an existing problem” (24.5%), “Improper use of your report” (23%), “Problem with fraud alerts or security freezes” (0.4%).
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 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.