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Consumer Financial Complaints

Complaints about financial companies sent to the Consumer Financial Protection Bureau, 10/01/2025 to 09/30/2026

Consumer complaints are not verified by the CFPB, and counts are not a rating.

Complaints, last 12 months
7,030,586
Most common product
Credit reporting or other personal consumer reports
90.7% of complaints
Timely company response
99.6%
Of complaints with a response
Companies with 100+ complaints
477

Complaints by month

By the date the CFPB received the complaint

Complaints by month

Complaints by product

  • Credit reporting or other personal consumer reports6,373,87290.7%
  • Debt collection324,0514.6%
  • Credit card96,0381.4%
  • Checking or savings account88,8911.3%
  • Money transfer, virtual currency, or money service39,5030.6%
  • Mortgage33,4620.5%
  • Vehicle loan or lease25,4030.4%
  • Student loan19,9850.3%
  • Payday loan, title loan, personal loan, or advance loan18,6210.3%
  • Prepaid card6,3780.1%

Most common issues

  • Incorrect information on your report3,820,77254.3%
  • Improper use of your report1,308,59718.6%
  • Problem with a company's investigation into an existing problem1,216,62517.3%
  • Attempts to collect debt not owed140,4012.0%
  • Took or threatened to take negative or legal action79,8111.1%
  • Written notification about debt52,2630.7%
  • Managing an account51,6080.7%
  • False statements or representation35,1350.5%
  • Problem with a purchase shown on your statement30,8680.4%
  • Problem with fraud alerts or security freezes20,9390.3%

Companies with the most complaints

Last 12 months. Select a company for its products, issues and responses.

Swipe the table sideways to see more columns.

#CompanyComplaints
1Transunion Intermediate Holdings, Inc.2,250,712
2Equifax, Inc.2,015,964
3Experian Information Solutions Inc.1,903,393
4Lexisnexis34,987
5Capital One Financial Corporation34,774
6CL Holdings LLC28,761
7JPMorgan Chase & Co.27,090
8Resurgent Capital Services L.P.24,958
9CBC Companies, Inc.24,656
10Bank of America, National Association24,477
11Citibank, N.a.24,306
12Encore Capital Group Inc.23,746
13Wells Fargo & Company23,310
14Portfolio Recovery Associates, LLC21,845
15Synchrony Financial16,753
16Block, Inc.15,992
17Chime Financial Inc12,919
18Paypal Holdings, Inc12,472
19American Express Company11,807
20Bread Financial Holdings, Inc.11,102
21CCS Financial Services, Inc.10,597
22Navy Federal Credit Union10,557
23Mohela9,167
24Kriya Capital, LLC8,690
25Affirm Holdings, Inc8,310
26I.C. System, Inc.7,959
27National Credit Systems,Inc.7,703
28Fidelity National Information Services, Inc. (FNIS)7,673
29U.S. Bancorp7,026
30Early Warning Services, LLC6,891
31Nelnet, Inc.6,812
32Santander Holdings USA, Inc.6,757
33Caine & Weiner Company, Inc.6,535
34Goldman Sachs Bank USA6,495
35TD Bank US Holding Company6,484
36Ally Financial Inc.5,978
37Truist Financial Corporation5,926
38Barclays Bank Delaware5,690
39Spring Oaks Capital, LLC5,681
40Servicer under contract with Federal Student Aid5,229
41Transworld Systems Inc5,137
42Self Financial Inc.5,035
43Westlake Services, LLC4,450
44Shellpoint Partners, LLC4,396
45Maximus Federal Services, Inc.4,205
46OneMain Finance Corporation3,949
47PNC Bank N.A.3,931
48Rocket Mortgage, LLC3,840
49Kikoff Inc.3,709
50Sofi Technologies, Inc.3,620

Complaints by state

Where the consumer lives. Per 100,000 residents uses Census population estimates.

Swipe the table sideways to see more columns.

StateComplaintsPer 100,000 people
Alabama207,6954,083
Alaska3,302449
American Samoa262Not reported
Arizona112,1011,519
Arkansas54,8851,800
California647,4551,648
Colorado41,028700
Connecticut44,0201,215
Delaware25,6412,511
District of Columbia19,1902,817
Florida996,6064,446
Georgia519,8084,751
Guam121Not reported
Hawaii12,583871
Idaho6,074314
Illinois297,7892,346
Indiana69,8951,020
Iowa11,727365
Kansas14,853504
Kentucky26,708589
Louisiana179,3363,888
Maine3,695266
Maryland155,0962,499
Massachusetts84,6101,201
Michigan135,1081,341
Minnesota27,971487
Mississippi185,6416,300
Missouri72,1081,165
Montana2,919261
Nebraska9,833497
Nevada82,1572,580
New Hampshire5,457391
New Jersey201,4472,156
New Mexico11,679551
New York354,3851,785
North Carolina250,9802,339
North Dakota4,119525
Northern Mariana Islands44Not reported
Ohio128,8701,091
Oklahoma30,567759
Oregon17,404409
Pennsylvania228,5361,755
Puerto Rico28,044867
Rhode Island16,0661,458
South Carolina186,0723,513
South Dakota2,228246
Tennessee97,7551,383
Texas1,135,3453,761
U.S. Virgin Islands2,143Not reported
Utah18,230537
Vermont1,178182
Virginia119,5571,373
Washington67,299861
West Virginia6,602371
Wisconsin55,597940
Wyoming1,634281

Frequently asked questions

What is the CFPB Consumer Complaint Database?
The Consumer Financial Protection Bureau sends complaints about financial products and services to companies and publishes them after the company responds or after 15 days. DatenUS shows counts only. Complaint details and consumer stories are on consumerfinance.gov.
Does a high number of complaints mean a company is bad?
Not by itself. Large companies with millions of customers get more complaints, and complaints are not verified. Most complaints about credit reports go to the three national credit bureaus.
How do I file a complaint?
You can submit a complaint at consumerfinance.gov/complaint or call the CFPB at (855) 411-2372.

Source: Consumer Financial Protection Bureau, Consumer Complaint Database · 10/01/2025 to 09/30/2026