Who is complaining inMissouri?
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.
Consumers in Missouri sent the CFPB 70,980 complaints in the 12 months to 30 Sep 2026, up 35% on the 52,393 of the 12 months before. That is 1,132 per 100,000 residents, below the national rate of 2,030, and places Missouri 26th of 51 on that measure.
89% of the state's complaints fall under “Credit reporting or other personal consumer reports” (90.8% nationally). “Debt collection” follows at 5.1%.
Company responses to Missouri complaints: 65.6% closed with an explanation, 25.7% closed with non-monetary relief, 0.5% closed with monetary relief, and 8% still in progress when the file was published. 99.6% were timely. 1.6% of complaints carried the CFPB servicemember tag and 0.9% 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 reports63,172 · 89%
- Debt collection3,606 · 5.1%
- Checking or savings account1,022 · 1.4%
- Credit card936 · 1.3%
- Money transfer, virtual currency, or money service619 · 0.9%
- All other categories1,625 · 2.3%
| Product (CFPB label) | Complaints, 12 months | Prior 12 months | Share in MO | Share in US | Per 100,000, MO | Per 100,000, US |
|---|---|---|---|---|---|---|
| Credit reporting or other personal consumer reports | 63,172 | 43,626 | 89% | 90.8% | 1,007 | 1,844 |
| Debt collection | 3,606 | 4,149 | 5.1% | 4.6% | 57.5 | 92.8 |
| Checking or savings account | 1,022 | 859 | 1.4% | 1.2% | 16.3 | 25.0 |
| Credit card | 936 | 1,421 | 1.3% | 1.3% | 14.9 | 27.0 |
| Money transfer, virtual currency, or money service | 619 | 1,097 | 0.9% | 0.5% | 9.90 | 11.1 |
| Mortgage | 497 | 259 | 0.7% | 0.5% | 7.90 | 9.30 |
| Vehicle loan or lease | 386 | 278 | 0.5% | 0.4% | 6.20 | 7.10 |
| Payday loan, title loan, personal loan, or advance loan | 280 | 226 | 0.4% | 0.3% | 4.50 | 5.20 |
| Student loan | 275 | 311 | 0.4% | 0.3% | 4.40 | 5.70 |
| Prepaid card | 111 | 100 | 0.2% | 0.1% | 1.80 | 1.80 |
| Debt or credit management | 76 | 67 | 0.1% | 0.1% | 1.20 | 1.20 |
Companies with the most complaints from Missouri, with their size
Ordered by complaints from Missouri 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 MO, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 22,974 | 32.4% | no public measure |
| EQUIFAX, INC. | 19,114 | 26.9% | no public measure |
| Experian Information Solutions Inc. | 18,949 | 26.7% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 393 | 0.6% | $662bn assets |
| LEXISNEXIS | 386 | 0.5% | no public measure |
| Block, Inc. | 320 | 0.5% | no public measure |
| CL Holdings LLC | 312 | 0.4% | no public measure |
| Resurgent Capital Services L.P. | 295 | 0.4% | no public measure |
| Chime Financial Inc | 293 | 0.4% | no public measure |
| ENCORE CAPITAL GROUP INC. | 239 | 0.3% | no public measure |
| CBC Companies, Inc. | 213 | 0.3% | no public measure |
| U.S. BANCORP | 203 | 0.3% | $706bn assets |
| CITIBANK, N.A. | 198 | 0.3% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 194 | 0.3% | $4.09tn assets |
| Portfolio Recovery Associates, LLC | 191 | 0.3% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 190 | 0.3% | $2.65tn assets |
| SYNCHRONY FINANCIAL | 182 | 0.3% | $115bn assets |
| Paypal Holdings, Inc | 182 | 0.3% | no public measure |
| I.C. System, Inc. | 130 | 0.2% | no public measure |
| MOHELA | 124 | 0.2% | no public measure |
| CCS Financial Services, Inc. | 120 | 0.2% | no public measure |
| NAVY FEDERAL CREDIT UNION | 119 | 0.2% | $204bn assets |
| Bread Financial Holdings, Inc. | 115 | 0.2% | $21bn assets |
| WELLS FARGO & COMPANY | 107 | 0.2% | $1.92tn assets |
| Kriya Capital, LLC | 94 | 0.1% | no public measure |
| All other companies, including those not listed by name | 5,343 | 7.5% | — |
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. 9 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 | 37,562 | 52.9% |
| Problem with a company's investigation into an existing problem | 14,156 | 19.9% |
| Improper use of your report | 11,075 | 15.6% |
| Attempts to collect debt not owed | 1,555 | 2.2% |
| Took or threatened to take negative or legal action | 916 | 1.3% |
| Managing an account | 572 | 0.8% |
| Written notification about debt | 504 | 0.7% |
| False statements or representation | 381 | 0.5% |
| Problem with a purchase shown on your statement | 271 | 0.4% |
| Problem with fraud alerts or security freezes | 249 | 0.4% |
| Other CFPB issue categories | 3,739 | 5.3% |
How companies responded
- Closed with explanation46,549 · 65.6%
- Closed with non-monetary relief18,220 · 25.7%
- In progress5,701 · 8%
- Closed with monetary relief324 · 0.5%
- All other categories186 · 0.3%
| Measure | Missouri | United States |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1,132 | 2,030 |
| Closed with monetary or non-monetary relief | 28.4% | 31.6% |
| Responses marked timely | 99.6% | 99.6% |
| Complaints tagged servicemember | 1.6% | 1.5% |
| Complaints tagged older American | 0.9% | 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 Missouri?
70,980 in the 12 months to 30 Sep 2026, 52,393 in the 12 months before and 201,492 since 2011.
How does Missouri compare per person?
1,132 complaints per 100,000 residents against 2,030 nationally, using the Census Bureau's 2025 population estimate (6,270,541 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 Missouri consumers complain about?
By count in the last 12 months: TRANSUNION INTERMEDIATE HOLDINGS, INC. (22,974), EQUIFAX, INC. (19,114), Experian Information Solutions Inc. (18,949). 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” (89%), “Debt collection” (5.1%), “Checking or savings account” (1.4%), “Credit card” (1.3%).
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 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.