States › Minnesota › Credit reporting or other personal consumer reports
Who in Minnesota 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.
Minnesota consumers filed 22,196 complaints under “Credit reporting or other personal consumer reports” in the 12 months to 30 Sep 2026, up 29% on the 17,209 of the 12 months before. That is 381 per 100,000 residents, below the national 1,844.
The category makes up 80.8% of the state's complaints, against 90.8% nationally. 31.5% of closed complaints ended with monetary or non-monetary relief (32.9% nationally) and 99.9% of responses were timely.
Companies with the most Credit reporting or other personal consumer reports complaints from Minnesota, with their size
Ordered by complaints from Minnesota consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from MN, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 7,829 | 35.3% | no public measure |
| EQUIFAX, INC. | 6,798 | 30.6% | no public measure |
| Experian Information Solutions Inc. | 6,380 | 28.7% | no public measure |
| LEXISNEXIS | 116 | 0.5% | no public measure |
| CBC Companies, Inc. | 110 | 0.5% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 69 | 0.3% | $662bn assets |
| Resurgent Capital Services L.P. | 39 | 0.2% | no public measure |
| WELLS FARGO & COMPANY | 39 | 0.2% | $1.92tn assets |
| CL Holdings LLC | 33 | 0.1% | no public measure |
| Fidelity National Information Services, Inc. (FNIS) | 32 | 0.1% | no public measure |
| SYNCHRONY FINANCIAL | 29 | 0.1% | $115bn assets |
| CITIBANK, N.A. | 26 | 0.1% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 25 | 0.1% | $4.09tn assets |
| Portfolio Recovery Associates, LLC | 24 | 0.1% | no public measure |
| ENCORE CAPITAL GROUP INC. | 21 | 0.1% | no public measure |
| Affirm Holdings, Inc | 19 | 0.1% | no public measure |
| CREDIT ACCEPTANCE CORPORATION | 18 | 0.1% | no public measure |
| Nelnet, Inc. | 18 | 0.1% | no public measure |
| AMERICAN EXPRESS COMPANY | 18 | 0.1% | $214bn assets |
| Early Warning Services, LLC | 16 | 0.1% | no public measure |
| All other companies, including those not listed by name | 537 | 2.4% | — |
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 explanation13,877 · 62.5%
- Closed with non-monetary relief6,381 · 28.7%
- In progress1,917 · 8.6%
- Untimely response17 · 0.1%
- All other categories4 · <0.1%
| Measure | Minnesota, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 381 | 1,844 |
| Closed with monetary or non-monetary relief | 31.5% | 32.9% |
| Responses marked timely | 99.9% | 99.9% |
Trend
Other products in Minnesota
Debt collection · 2,010Credit card · 928Checking or savings account · 883Money transfer, virtual currency, or money service · 419Mortgage · 376Student loan · 252Vehicle loan or lease · 175Payday loan, title loan, personal loan, or advance loan · 135
Questions and answers
How many Credit reporting or other personal consumer reports complaints come from Minnesota?
22,196 in the 12 months to 30 Sep 2026, 17,209 in the 12 months before and 48,866 since 2011.
Is that high for the population?
381 per 100,000 residents in Minnesota against 1,844 nationally.
Which issues come up most?
“Incorrect information on your report” (54.5%), “Improper use of your report” (23.8%), “Problem with a company's investigation into an existing problem” (20.4%), “Unable to get your credit report or credit score” (0.5%).
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.