Who is complaining inNorth Dakota?
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 4,067 complaints from North Dakota in the 12 months to 1 Oct 2026, up 60% on the 2,541 of the 12 months before. That is 509 per 100,000 residents, below the national rate of 2,032, and places North Dakota 36th of 51 on that measure.
83.1% of the state's complaints fall under “Credit reporting or other personal consumer reports” (90.8% nationally). “Debt collection” follows at 10.1%.
Company responses to North Dakota complaints: 64.5% closed with an explanation, 26.1% closed with non-monetary relief, 0.5% closed with monetary relief, and 7.9% still in progress when the file was published. 98.5% were timely. 1.9% of complaints carried the CFPB servicemember tag and 0.6% 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 reports3,379 · 83.1%
- Debt collection412 · 10.1%
- Credit card73 · 1.8%
- Checking or savings account72 · 1.8%
- Money transfer, virtual currency, or money service36 · 0.9%
- All other categories95 · 2.3%
| Product (CFPB label) | Complaints, 12 months | Prior 12 months | Share in ND | Share in US | Per 100,000, ND | Per 100,000, US |
|---|---|---|---|---|---|---|
| Credit reporting or other personal consumer reports | 3,379 | 2,023 | 83.1% | 90.8% | 423 | 1,846 |
| Debt collection | 412 | 250 | 10.1% | 4.6% | 51.5 | 92.8 |
| Credit card | 73 | 66 | 1.8% | 1.3% | 9.10 | 27.0 |
| Checking or savings account | 72 | 60 | 1.8% | 1.2% | 9.00 | 25.0 |
| Money transfer, virtual currency, or money service | 36 | 63 | 0.9% | 0.5% | 4.50 | 11.1 |
| Payday loan, title loan, personal loan, or advance loan | 29 | 10 | 0.7% | 0.3% | 3.60 | 5.20 |
| Vehicle loan or lease | 21 | 16 | 0.5% | 0.4% | 2.60 | 7.10 |
| Mortgage | 16 | 15 | 0.4% | 0.5% | 2.00 | 9.30 |
| Student loan | 14 | 27 | 0.3% | 0.3% | 1.80 | 5.70 |
| Debt or credit management | 9 | 1 | 0.2% | 0.1% | 1.10 | 1.20 |
| Prepaid card | 6 | 10 | 0.1% | 0.1% | 0.80 | 1.80 |
Companies with the most complaints from North Dakota, with their size
Ordered by complaints from North Dakota 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 ND, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,231 | 30.3% | no public measure |
| EQUIFAX, INC. | 1,060 | 26.1% | no public measure |
| Experian Information Solutions Inc. | 1,001 | 24.6% | no public measure |
| CL Holdings LLC | 32 | 0.8% | no public measure |
| ENCORE CAPITAL GROUP INC. | 29 | 0.7% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 28 | 0.7% | $662bn assets |
| Servicer under contract with Federal Student Aid | 28 | 0.7% | no public measure |
| Portfolio Recovery Associates, LLC | 26 | 0.6% | no public measure |
| Resurgent Capital Services L.P. | 21 | 0.5% | no public measure |
| Block, Inc. | 21 | 0.5% | no public measure |
| United Accounts, Inc. | 20 | 0.5% | no public measure |
| WELLS FARGO & COMPANY | 19 | 0.5% | $1.92tn assets |
| Paypal Holdings, Inc | 18 | 0.4% | no public measure |
| CITIBANK, N.A. | 18 | 0.4% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 17 | 0.4% | $4.09tn assets |
| Bread Financial Holdings, Inc. | 17 | 0.4% | $21bn assets |
| CBC Companies, Inc. | 17 | 0.4% | no public measure |
| CCS Financial Services, Inc. | 16 | 0.4% | no public measure |
| U.S. BANCORP | 15 | 0.4% | $706bn assets |
| SYNCHRONY FINANCIAL | 14 | 0.3% | $115bn assets |
| Chime Financial Inc | 14 | 0.3% | no public measure |
| ALLY FINANCIAL INC. | 12 | 0.3% | $188bn assets |
| Kikoff Inc. | 11 | 0.3% | no public measure |
| Self Financial Inc. | 11 | 0.3% | no public measure |
| Affirm Holdings, Inc | 9 | 0.2% | no public measure |
| All other companies, including those not listed by name | 362 | 8.9% | — |
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 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 | 1,840 | 45.2% |
| Problem with a company's investigation into an existing problem | 756 | 18.6% |
| Improper use of your report | 751 | 18.5% |
| Took or threatened to take negative or legal action | 249 | 6.1% |
| Attempts to collect debt not owed | 69 | 1.7% |
| Written notification about debt | 41 | 1% |
| Managing an account | 40 | 1% |
| False statements or representation | 25 | 0.6% |
| Problem with a purchase shown on your statement | 24 | 0.6% |
| Problem with fraud alerts or security freezes | 20 | 0.5% |
| Other CFPB issue categories | 252 | 6.2% |
How companies responded
- Closed with explanation2,623 · 64.5%
- Closed with non-monetary relief1,063 · 26.1%
- In progress321 · 7.9%
- Untimely response38 · 0.9%
- All other categories22 · 0.5%
| Measure | North Dakota | United States |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 509 | 2,032 |
| Closed with monetary or non-monetary relief | 29% | 31.5% |
| Responses marked timely | 98.5% | 99.6% |
| Complaints tagged servicemember | 1.9% | 1.5% |
| Complaints tagged older American | 0.6% | 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 North Dakota?
4,067 in the 12 months to 1 Oct 2026, 2,541 in the 12 months before and 10,906 since 2011.
How does North Dakota compare per person?
509 complaints per 100,000 residents against 2,032 nationally, using the Census Bureau's 2025 population estimate (799,358 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 North Dakota consumers complain about?
By count in the last 12 months: TRANSUNION INTERMEDIATE HOLDINGS, INC. (1,231), EQUIFAX, INC. (1,060), Experian Information Solutions Inc. (1,001). 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” (83.1%), “Debt collection” (10.1%), “Credit card” (1.8%), “Checking or savings account” (1.8%).
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.