Checked
Texas Consumer Financial Complaints
Complaints from Texas consumers sent to the CFPB, 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
- 1,135,345
- Most common product
- Credit reporting or other personal consumer reports
- 92.3% of complaints
- Timely company response
- 99.6%
- Of complaints with a response
- Per 100,000 residents
- 3,761
Complaints by product
- Credit reporting or other personal consumer reports1,047,69692.3%
- Debt collection55,5774.9%
- Credit card9,3730.8%
- Checking or savings account8,2620.7%
- Money transfer, virtual currency, or money service3,6810.3%
- Mortgage3,2670.3%
- Vehicle loan or lease2,6220.2%
- Payday loan, title loan, personal loan, or advance loan2,2510.2%
- Student loan1,6870.1%
- Debt or credit management4830.0%
Most common issues
- Incorrect information on your report617,75954.4%
- Problem with a company's investigation into an existing problem218,15219.2%
- Improper use of your report207,82018.3%
- Took or threatened to take negative or legal action19,6061.7%
- Attempts to collect debt not owed18,9191.7%
- Written notification about debt9,8880.9%
- False statements or representation5,1180.5%
- Managing an account4,6970.4%
- Problem with fraud alerts or security freezes2,9610.3%
- Unable to get your credit report or credit score2,8120.2%
Companies with the most complaints from Texas
Swipe the table sideways to see more columns.
| # | Company | Complaints |
|---|---|---|
| 1 | Transunion Intermediate Holdings, Inc. | 368,875 |
| 2 | Equifax, Inc. | 339,626 |
| 3 | Experian Information Solutions Inc. | 310,940 |
| 4 | CL Holdings LLC | 5,018 |
| 5 | Encore Capital Group Inc. | 3,776 |
| 6 | Capital One Financial Corporation | 3,772 |
| 7 | Lexisnexis | 3,768 |
| 8 | Resurgent Capital Services L.P. | 3,695 |
| 9 | Portfolio Recovery Associates, LLC | 3,348 |
| 10 | CBC Companies, Inc. | 3,180 |
| 11 | JPMorgan Chase & Co. | 2,985 |
| 12 | Wells Fargo & Company | 2,647 |
| 13 | Bank of America, National Association | 2,482 |
| 14 | Citibank, N.a. | 2,272 |
| 15 | Synchrony Financial | 1,891 |
| 16 | National Credit Systems,Inc. | 1,743 |
| 17 | Block, Inc. | 1,711 |
| 18 | Kriya Capital, LLC | 1,496 |
| 19 | Navy Federal Credit Union | 1,417 |
| 20 | CCS Financial Services, Inc. | 1,339 |
| 21 | Bread Financial Holdings, Inc. | 1,329 |
| 22 | Spring Oaks Capital, LLC | 1,320 |
| 23 | Transworld Systems Inc | 1,290 |
| 24 | Chime Financial Inc | 1,196 |
| 25 | American Express Company | 1,178 |
Frequently asked questions
- Which company gets the most complaints in Texas?
- From 10/01/2025 to 09/30/2026, Transunion Intermediate Holdings, Inc. received the most complaints from Texas consumers (368,875).
- 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