Who is complaining inMinnesota?
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 27,478 complaints from Minnesota in the 12 months to 30 Sep 2026, up 25% on the 21,983 of the 12 months before. That is 471 per 100,000 residents, below the national rate of 2,030, and places Minnesota 40th of 51 on that measure.
80.8% of the state's complaints fall under “Credit reporting or other personal consumer reports” (90.8% nationally). “Debt collection” follows at 7.3%.
Company responses to Minnesota complaints: 65.1% closed with an explanation, 25.5% closed with non-monetary relief, 1.1% closed with monetary relief, and 7.5% still in progress when the file was published. 99% were timely. 1.8% of complaints carried the CFPB servicemember tag and 1.4% the older-American tag.
State of residence is reported by the consumer. The company table below shows national size measures, because no public file breaks company size down by state.
By product, against the national picture
- Credit reporting or other personal consumer reports22,196 · 80.8%
- Debt collection2,010 · 7.3%
- Credit card928 · 3.4%
- Checking or savings account883 · 3.2%
- Money transfer, virtual currency, or money service419 · 1.5%
- All other categories1,042 · 3.8%
| Product (CFPB label) | Complaints, 12 months | Prior 12 months | Share in MN | Share in US | Per 100,000, MN | Per 100,000, US |
|---|---|---|---|---|---|---|
| Credit reporting or other personal consumer reports | 22,196 | 17,209 | 80.8% | 90.8% | 381 | 1,844 |
| Debt collection | 2,010 | 1,582 | 7.3% | 4.6% | 34.5 | 92.8 |
| Credit card | 928 | 808 | 3.4% | 1.3% | 15.9 | 27.0 |
| Checking or savings account | 883 | 735 | 3.2% | 1.2% | 15.1 | 25.0 |
| Money transfer, virtual currency, or money service | 419 | 780 | 1.5% | 0.5% | 7.20 | 11.1 |
| Mortgage | 376 | 227 | 1.4% | 0.5% | 6.40 | 9.30 |
| Student loan | 252 | 298 | 0.9% | 0.3% | 4.30 | 5.70 |
| Vehicle loan or lease | 175 | 150 | 0.6% | 0.4% | 3.00 | 7.10 |
| Payday loan, title loan, personal loan, or advance loan | 135 | 98 | 0.5% | 0.3% | 2.30 | 5.20 |
| Prepaid card | 60 | 67 | 0.2% | 0.1% | 1.00 | 1.80 |
| Debt or credit management | 44 | 29 | 0.2% | 0.1% | 0.80 | 1.20 |
Companies with the most complaints from Minnesota, with their size
Ordered by complaints from Minnesota consumers in the last 12 months. Size is the company's national figure; no public file splits it by state.
| Company (as named by the CFPB) | Complaints from MN, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 7,894 | 28.7% | no public measure |
| EQUIFAX, INC. | 6,856 | 25% | no public measure |
| Experian Information Solutions Inc. | 6,446 | 23.5% | no public measure |
| WELLS FARGO & COMPANY | 403 | 1.5% | $1.92tn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 307 | 1.1% | $662bn assets |
| U.S. BANCORP | 205 | 0.7% | $706bn assets |
| CL Holdings LLC | 174 | 0.6% | no public measure |
| Block, Inc. | 174 | 0.6% | no public measure |
| CITIBANK, N.A. | 171 | 0.6% | $1.98tn assets |
| Chime Financial Inc | 171 | 0.6% | no public measure |
| SYNCHRONY FINANCIAL | 165 | 0.6% | $115bn assets |
| JPMORGAN CHASE & CO. | 162 | 0.6% | $4.09tn assets |
| Paypal Holdings, Inc | 161 | 0.6% | no public measure |
| Resurgent Capital Services L.P. | 160 | 0.6% | no public measure |
| Portfolio Recovery Associates, LLC | 145 | 0.5% | no public measure |
| ENCORE CAPITAL GROUP INC. | 139 | 0.5% | no public measure |
| AMERICAN EXPRESS COMPANY | 125 | 0.5% | $214bn assets |
| LEXISNEXIS | 120 | 0.4% | no public measure |
| MOHELA | 113 | 0.4% | no public measure |
| CBC Companies, Inc. | 112 | 0.4% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 104 | 0.4% | $2.65tn assets |
| HUNTINGTON NATIONAL BANK, THE | 103 | 0.4% | $283bn assets |
| CCS Financial Services, Inc. | 89 | 0.3% | no public measure |
| Servicer under contract with Federal Student Aid | 77 | 0.3% | no public measure |
| Bread Financial Holdings, Inc. | 76 | 0.3% | $21bn assets |
| All other companies, including those not listed by name | 2,826 | 10.3% | — |
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. 10 of the 25 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 | 12,174 | 44.3% |
| Improper use of your report | 5,291 | 19.3% |
| Problem with a company's investigation into an existing problem | 4,590 | 16.7% |
| Attempts to collect debt not owed | 679 | 2.5% |
| Managing an account | 526 | 1.9% |
| Took or threatened to take negative or legal action | 514 | 1.9% |
| Written notification about debt | 454 | 1.7% |
| Problem with a purchase shown on your statement | 328 | 1.2% |
| False statements or representation | 222 | 0.8% |
| Trouble during payment process | 206 | 0.7% |
| Other CFPB issue categories | 2,494 | 9.1% |
How companies responded
- Closed with explanation17,894 · 65.1%
- Closed with non-monetary relief7,010 · 25.5%
- In progress2,067 · 7.5%
- Closed with monetary relief295 · 1.1%
- All other categories212 · 0.8%
| Measure | Minnesota | United States |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 471 | 2,030 |
| Closed with monetary or non-monetary relief | 28.7% | 31.6% |
| Responses marked timely | 99% | 99.6% |
| Complaints tagged servicemember | 1.8% | 1.5% |
| Complaints tagged older American | 1.4% | 0.7% |
Trend
Sep 2026Aug 2026Jul 2026Jun 2026May 2026Apr 2026Mar 2026Feb 2026Jan 2026Dec 2025Nov 2025Oct 2025
Questions and answers
How many CFPB complaints come from Minnesota?
27,478 in the 12 months to 30 Sep 2026, 21,983 in the 12 months before and 94,568 since 2011.
How does Minnesota compare per person?
471 complaints per 100,000 residents against 2,030 nationally, using the Census Bureau's 2025 population estimate (5,830,405 residents). Filing rates also reflect how many people know of the CFPB, so a higher rate does not by itself show more problems.
Which companies do Minnesota consumers complain about?
By count in the last 12 months: TRANSUNION INTERMEDIATE HOLDINGS, INC. (7,894), EQUIFAX, INC. (6,856), Experian Information Solutions Inc. (6,446). These are national companies with many customers in every state; “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?
“Credit reporting or other personal consumer reports” (80.8%), “Debt collection” (7.3%), “Credit card” (3.4%), “Checking or savings account” (3.2%).
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.