Who is complaining inTexas?
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 Texas sent the CFPB 1,121,149 complaints in the 12 months to 30 Sep 2026, up 66% on the 673,888 of the 12 months before. That is 3,536 per 100,000 residents, above the national rate of 2,030, and places Texas 6th of 51 on that measure.
92.4% of the state's complaints fall under “Credit reporting or other personal consumer reports” (90.8% nationally). “Debt collection” follows at 4.8%.
Company responses to Texas complaints: 61.3% closed with an explanation, 29% closed with non-monetary relief, 0.2% closed with monetary relief, and 9.2% still in progress when the file was published. 99.6% were timely. 1.2% of complaints carried the CFPB servicemember tag and 0.4% 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 reports1,036,037 · 92.4%
- Debt collection54,289 · 4.8%
- Credit card9,022 · 0.8%
- Checking or savings account7,951 · 0.7%
- Money transfer, virtual currency, or money service3,540 · 0.3%
- All other categories10,310 · 0.9%
| Product (CFPB label) | Complaints, 12 months | Prior 12 months | Share in TX | Share in US | Per 100,000, TX | Per 100,000, US |
|---|---|---|---|---|---|---|
| Credit reporting or other personal consumer reports | 1,036,037 | 587,633 | 92.4% | 90.8% | 3,267 | 1,844 |
| Debt collection | 54,289 | 48,565 | 4.8% | 4.6% | 171 | 92.8 |
| Credit card | 9,022 | 12,974 | 0.8% | 1.3% | 28.5 | 27.0 |
| Checking or savings account | 7,951 | 7,949 | 0.7% | 1.2% | 25.1 | 25.0 |
| Money transfer, virtual currency, or money service | 3,540 | 8,606 | 0.3% | 0.5% | 11.2 | 11.1 |
| Mortgage | 3,114 | 2,133 | 0.3% | 0.5% | 9.80 | 9.30 |
| Vehicle loan or lease | 2,529 | 1,899 | 0.2% | 0.4% | 8.00 | 7.10 |
| Payday loan, title loan, personal loan, or advance loan | 2,136 | 1,401 | 0.2% | 0.3% | 6.70 | 5.20 |
| Student loan | 1,635 | 1,738 | 0.1% | 0.3% | 5.20 | 5.70 |
| Debt or credit management | 465 | 471 | <0.1% | 0.1% | 1.50 | 1.20 |
| Prepaid card | 431 | 519 | <0.1% | 0.1% | 1.40 | 1.80 |
Companies with the most complaints from Texas, with their size
Ordered by complaints from Texas 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 TX, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 370,668 | 33.1% | no public measure |
| EQUIFAX, INC. | 331,314 | 29.6% | no public measure |
| Experian Information Solutions Inc. | 306,598 | 27.3% | no public measure |
| CL Holdings LLC | 4,912 | 0.4% | no public measure |
| ENCORE CAPITAL GROUP INC. | 3,685 | 0.3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 3,634 | 0.3% | $662bn assets |
| Resurgent Capital Services L.P. | 3,634 | 0.3% | no public measure |
| LEXISNEXIS | 3,626 | 0.3% | no public measure |
| Portfolio Recovery Associates, LLC | 3,319 | 0.3% | no public measure |
| CBC Companies, Inc. | 3,167 | 0.3% | no public measure |
| JPMORGAN CHASE & CO. | 2,877 | 0.3% | $4.09tn assets |
| WELLS FARGO & COMPANY | 2,552 | 0.2% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2,392 | 0.2% | $2.65tn assets |
| CITIBANK, N.A. | 2,160 | 0.2% | $1.98tn assets |
| SYNCHRONY FINANCIAL | 1,841 | 0.2% | $115bn assets |
| National Credit Systems,Inc. | 1,683 | 0.2% | no public measure |
| Block, Inc. | 1,673 | 0.1% | no public measure |
| Kriya Capital, LLC | 1,483 | 0.1% | no public measure |
| NAVY FEDERAL CREDIT UNION | 1,395 | 0.1% | $204bn assets |
| CCS Financial Services, Inc. | 1,317 | 0.1% | no public measure |
| Bread Financial Holdings, Inc. | 1,295 | 0.1% | $21bn assets |
| Spring Oaks Capital, LLC | 1,276 | 0.1% | no public measure |
| TRANSWORLD SYSTEMS INC | 1,245 | 0.1% | no public measure |
| I.C. System, Inc. | 1,167 | 0.1% | no public measure |
| AMERICAN EXPRESS COMPANY | 1,158 | 0.1% | $214bn assets |
| All other companies, including those not listed by name | 61,078 | 5.4% | — |
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. 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 | 610,542 | 54.5% |
| Problem with a company's investigation into an existing problem | 215,620 | 19.2% |
| Improper use of your report | 205,986 | 18.4% |
| Took or threatened to take negative or legal action | 19,325 | 1.7% |
| Attempts to collect debt not owed | 18,380 | 1.6% |
| Written notification about debt | 9,685 | 0.9% |
| False statements or representation | 4,927 | 0.4% |
| Managing an account | 4,528 | 0.4% |
| Problem with fraud alerts or security freezes | 2,926 | 0.3% |
| Unable to get your credit report or credit score | 2,739 | 0.2% |
| Other CFPB issue categories | 26,491 | 2.4% |
How companies responded
- Closed with explanation687,383 · 61.3%
- Closed with non-monetary relief325,393 · 29%
- In progress102,995 · 9.2%
- Untimely response2,765 · 0.2%
- All other categories2,613 · 0.2%
| Measure | Texas | United States |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 3,536 | 2,030 |
| Closed with monetary or non-monetary relief | 32.2% | 31.6% |
| Responses marked timely | 99.6% | 99.6% |
| Complaints tagged servicemember | 1.2% | 1.5% |
| Complaints tagged older American | 0.4% | 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 Texas?
1,121,149 in the 12 months to 30 Sep 2026, 673,888 in the 12 months before and 2,501,087 since 2011.
How does Texas compare per person?
3,536 complaints per 100,000 residents against 2,030 nationally, using the Census Bureau's 2025 population estimate (31,709,821 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 Texas consumers complain about?
By count in the last 12 months: TRANSUNION INTERMEDIATE HOLDINGS, INC. (370,668), EQUIFAX, INC. (331,314), Experian Information Solutions Inc. (306,598). 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” (92.4%), “Debt collection” (4.8%), “Credit card” (0.8%), “Checking or savings account” (0.7%).
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.