Data / Consumer complaints

Consumer complaints to the CFPB: 14,707,305 in the last 3 years, by company, product and state

Name: CFPB consumer complaints: companies, products and states
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

The CFPB Consumer Complaint Database lists 14,707,305 consumer complaints about financial products in the three years to November 6, 2026, against 18,996,256 since 2011. 5,399 companies drew at least one in that time. TransUnion Intermediate Holdings, Inc. has the largest count, 4,509,527, and credit reporting or other personal consumer reports is the product with the most, 13,114,599. Companies responded on time to 99.6% of them. A count is not a rate, so this page ranks by count and calls no company better or worse.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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14,707,305Complaints, last 3 years
18,996,256Complaints, all years
5,399Companies, last 3 years
99.6%Responded on time
37.1%Closed with relief
Nov 6, 2026Latest received

Products

Complaints in the last three years by the product the consumer chose, with the share of all complaints.

Product	Complaints	Share
Credit reporting or other personal consumer reports	13,114,599	89.2%
Debt collection	716,547	4.9%
Credit card	257,232	1.7%
Checking or savings account	220,599	1.5%
Money transfer, virtual currency, or money service	136,483	0.9%
Mortgage	78,806	0.5%
Vehicle loan or lease	57,638	0.4%
Student loan	55,754	0.4%
Payday loan, title loan, personal loan, or advance loan	39,880	0.3%
Prepaid card	19,165	0.1%
Debt or credit management	10,602	0.1%

Companies with the most complaints

Counts only. A larger company draws more complaints, so this list is not a ranking of quality.

Company	Complaints	Share	Responded on time
TransUnion Intermediate Holdings, Inc.	4,509,527	30.7%	99.9%
Equifax, Inc.	4,219,145	28.7%	99.9%
Experian Information Solutions Inc.	3,995,325	27.2%	99.9%
Capital One Financial Corporation	87,404	0.6%	99.9%
JPMorgan Chase & Co.	69,045	0.5%	100%
Block, Inc.	65,653	0.4%	98.6%
LexisNexis	62,653	0.4%	99%
Resurgent Capital Services L.P.	57,649	0.4%	99.9%
CBC Companies, Inc.	56,875	0.4%	99.9%
Bank of America, National Association	56,438	0.4%	99.3%
Citibank, N.A.	56,397	0.4%	99.9%
Wells Fargo & Company	56,149	0.4%	99.9%
CL Holdings LLC	51,087	0.3%	99.9%
Encore Capital Group Inc.	46,931	0.3%	99.9%
Portfolio Recovery Associates, LLC	43,092	0.3%	98.3%
Synchrony Financial	38,889	0.3%	98.2%
Navy Federal Credit Union	34,819	0.2%	100%
Early Warning Services, LLC	33,259	0.2%	99.9%
American Express Company	30,820	0.2%	99.5%
MOHELA	25,868	0.2%	57.2%
Bread Financial Holdings, Inc.	24,972	0.2%	99.9%
Paypal Holdings, Inc	23,451	0.2%	99.9%
Chime Financial Inc	23,251	0.2%	99.9%
CCS Financial Services, Inc.	21,542	0.1%	82.6%
Discover Bank	18,259	0.1%	100%
Nelnet, Inc.	18,060	0.1%	99.9%
U.S. Bancorp	16,792	0.1%	100%
Fidelity National Information Services, Inc. (FNIS)	16,098	0.1%	100%
Goldman Sachs Bank USA	15,895	0.1%	99.9%
I.C. System, Inc.	15,843	0.1%	99.9%
Affirm Holdings, Inc	15,784	0.1%	99.9%
Kriya Capital, LLC	15,665	0.1%	100%
National Credit Systems,Inc.	15,435	0.1%	99.9%
TD Bank US Holding Company	15,404	0.1%	100%
Ally Financial Inc.	15,374	0.1%	100%
Santander Holdings USA, Inc.	15,373	0.1%	99.9%
Truist Financial Corporation	14,600	0.1%	99.9%
Barclays Bank Delaware	13,312	0.1%	100%
Transworld Systems Inc	12,732	0.1%	99.9%
Caine & Weiner Company, Inc.	11,753	0.1%	99.8%
Shellpoint Partners, LLC	10,876	0.1%	92.7%
Self Financial Inc.	10,820	0.1%	99.7%
Maximus Federal Services, Inc.	10,628	0.1%	100%
Spring Oaks Capital, LLC	10,514	0.1%	99.9%
Westlake Services, LLC	9,675	0.1%	99.9%
OneMain Finance Corporation	9,570	0.1%	99.9%
PNC Bank N.A.	9,419	0.1%	100%
Credit Acceptance Corporation	8,909	0.1%	99.8%
Servicer under contract with Federal Student Aid	7,854	0.1%	0%
United Services Automobile Association	7,784	0.1%	99.9%

States

State	Complaints	Share
Texas	2,207,855	15%
Florida	2,107,516	14.3%
California	1,370,201	9.3%
Georgia	1,109,074	7.5%
New York	811,323	5.5%
Illinois	633,976	4.3%
Pennsylvania	529,654	3.6%
North Carolina	518,286	3.5%
New Jersey	457,240	3.1%
Alabama	390,358	2.7%
South Carolina	357,154	2.4%
Louisiana	356,295	2.4%
Maryland	343,679	2.3%
Mississippi	314,577	2.1%
Michigan	306,366	2.1%
Ohio	287,505	2%
Virginia	265,677	1.8%
Arizona	230,222	1.6%
Tennessee	213,592	1.5%
Nevada	183,832	1.2%
Massachusetts	181,806	1.2%
Indiana	163,423	1.1%
Missouri	154,344	1%
Washington	120,400	0.8%
Wisconsin	107,152	0.7%
Arkansas	101,288	0.7%
Connecticut	98,481	0.7%
Colorado	86,652	0.6%
Minnesota	64,066	0.4%
Oklahoma	62,891	0.4%
Puerto Rico	60,781	0.4%
Delaware	60,025	0.4%
Kentucky	57,840	0.4%
District of Columbia	44,542	0.3%
Utah	37,992	0.3%
Oregon	36,100	0.2%
Rhode Island	33,712	0.2%
Kansas	31,643	0.2%
Iowa	26,116	0.2%
New Mexico	24,753	0.2%
Hawaii	23,811	0.2%
Nebraska	23,258	0.2%
West Virginia	15,596	0.1%
Idaho	12,982	0.1%
New Hampshire	12,790	0.1%
North Dakota	8,395	0.1%
Maine	7,874	0.1%
Alaska	7,038	0.1%
Montana	5,935	0.1%
South Dakota	4,772	0.1%
U.S. Virgin Islands	4,398	0.1%
Wyoming	3,649	0.1%
Vermont	2,878	0.1%
American Samoa	346	0.1%
Guam	328	0.1%
Northern Mariana Islands	71	0.1%

Complaints by year

Year	Complaints
2026, to Nov 6	6,313,908
2025	5,442,931
2024	2,734,268
2023	1,292,048
2022	800,245
2021	495,940
2020	444,212
2019	277,239
2018	257,130
2017	242,745
2016	191,292
2015	168,272
2014	152,908
2013	108,214
2012	72,368
2011	2,536

How companies responded

Company response	Complaints	Share
Closed with explanation	8,591,485	58.4%
Closed with non-monetary relief	5,370,819	36.5%
In progress	635,530	4.3%
Closed with monetary relief	81,646	0.6%
Untimely response	27,812	0.2%
Not listed	13	0.1%

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.