Data / Consumer complaints / Credit reporting or other personal consumer reports

Credit reporting or other personal consumer reports: 13,114,599 CFPB complaints in the last 3 years, by company

Name: CFPB consumer complaints about Credit reporting or other personal consumer reports
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

The CFPB database lists 13,114,599 consumer complaints about credit reporting or other personal consumer reports in the three years to November 6, 2026, against 2,847 companies. TransUnion Intermediate Holdings, Inc. has the largest count, 4,442,268, which is 33.9% of the product's complaints. Companies responded on time to 99.9% of them, and 39.0% closed with monetary or other relief. A count is not a rate: a company with more customers draws more complaints.

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13,114,599Complaints, last 3 years
2,847Companies
99.9%Responded on time
39.0%Closed with relief
Nov 6, 2026Latest received

Companies by complaints

Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.

Company	Complaints	Share	Responded on time	Closed with relief
TransUnion Intermediate Holdings, Inc.	4,442,268	33.9%	99.9%	55.3%
Equifax, Inc.	4,151,997	31.7%	99.9%	52.5%
Experian Information Solutions Inc.	3,934,203	30%	99.9%	9.1%
LexisNexis	62,439	0.5%	99%	26.9%
CBC Companies, Inc.	56,762	0.4%	99.9%	58.5%
Capital One Financial Corporation	30,126	0.2%	100%	18%
Resurgent Capital Services L.P.	14,623	0.1%	99.9%	21.5%
Fidelity National Information Services, Inc. (FNIS)	14,270	0.1%	100%	0%
JPMorgan Chase & Co.	13,021	0.1%	100%	20.9%
Citibank, N.A.	12,588	0.1%	100%	56.6%
Bank of America, National Association	11,604	0.1%	99%	14.3%
Synchrony Financial	10,768	0.1%	98.5%	24.3%
Early Warning Services, LLC	10,548	0.1%	99.9%	0%
CL Holdings LLC	9,445	0.1%	99.9%	20.9%
Wells Fargo & Company	9,377	0.1%	99.9%	31.3%
Bread Financial Holdings, Inc.	8,986	0.1%	99.9%	36.4%
Encore Capital Group Inc.	8,773	0.1%	100%	33.2%
Portfolio Recovery Associates, LLC	8,675	0.1%	98%	41.4%
Navy Federal Credit Union	8,265	0.1%	100%	24.3%
Discover Bank	8,032	0.1%	100%	28.4%
American Express Company	7,669	0.1%	99.6%	18.9%
Nelnet, Inc.	6,689	0.1%	99.9%	0%
Self Financial Inc.	6,612	0.1%	99.7%	0.1%
Ally Financial Inc.	6,560	0.1%	100%	3%
Affirm Holdings, Inc	6,420	0.1%	99.9%	0%
Corelogic Inc	6,215	0.1%	99.6%	0%
Santander Holdings USA, Inc.	6,214	0.1%	99.9%	33.3%
ID Analytics, Inc.	5,956	0.1%	98.6%	27.8%
TD Bank US Holding Company	4,711	0.1%	100%	18%
Barclays Bank Delaware	4,562	0.1%	100%	0.8%
OneMain Finance Corporation	4,495	0.1%	100%	7.9%
MOHELA	4,327	0.1%	49.7%	1.3%
CCS Financial Services, Inc.	4,245	0.1%	81.3%	21.3%
Goldman Sachs Bank USA	4,110	0.1%	99.9%	39.7%
Kikoff Inc.	4,032	0.1%	100%	1.9%
Credit Acceptance Corporation	3,837	0.1%	99.8%	4.7%
Maximus Federal Services, Inc.	3,671	0.1%	100%	0.1%
Truist Financial Corporation	3,612	0.1%	99.9%	3.8%
Westlake Services, LLC	3,572	0.1%	99.9%	0%
National Credit Systems,Inc.	3,478	0.1%	99.9%	0%
Exeter Finance, LLC.	3,317	0.1%	99.9%	0%
LCI Acquisition Inc.	3,254	0.1%	97.1%	0%
I.C. System, Inc.	3,037	0.1%	100%	7%
CLGF Holdco 1, LLC	2,833	0.1%	100%	36.1%
U.S. Bancorp	2,760	0.1%	100%	61%
Kriya Capital, LLC	2,758	0.1%	100%	96.2%
General Motors Financial Company, Inc.	2,588	0.1%	100%	16.4%
EdFinancial Services	2,501	0.1%	88.2%	0%
Global Lending Services LLC	2,419	0.1%	99.7%	9.1%
Transworld Systems Inc	2,373	0.1%	99.9%	0%
Caine & Weiner Company, Inc.	2,348	0.1%	99.6%	20.5%
Toyota Motor Credit Corporation	2,284	0.1%	99.9%	3.3%
Spring Oaks Capital, LLC	2,265	0.1%	99.8%	40.7%
Bridgecrest Acceptance Corporation	2,220	0.1%	98.4%	0%
Servicer under contract with Federal Student Aid	1,981	0.1%	0%	0%
National Consumer Telecom & Utilities Exchange, Inc.	1,979	0.1%	100%	0%
MicroBilt / PRBC (formerly CL Verify)	1,841	0.1%	92.4%	0%
Advanced Resolution Services Inc.	1,800	0.1%	100%	0%
Hyundai Capital America	1,596	0.1%	100%	0%
National Credit Adjusters, LLC	1,560	0.1%	100%	0%
Upgrade, Inc.	1,489	0.1%	99.9%	1.1%
United Services Automobile Association	1,482	0.1%	100%	15.2%
Checkr, Inc	1,411	0.1%	97.8%	0%
CarMax, Inc.	1,406	0.1%	99.9%	1%
Consumer Portfolio Services, Inc.	1,356	0.1%	100%	0%
Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis	1,352	0.1%	100%	9.7%
World Acceptance Corporation	1,316	0.1%	99.5%	14.3%
Upstart Holdings, Inc.	1,309	0.1%	99.9%	0.4%
NCB Management Services Inc.	1,266	0.1%	100%	0%
FactorTrust, Inc.	1,237	0.1%	99.1%	0%
Possible Financial Inc	1,215	0.1%	98.8%	2.3%
PNC Bank N.A.	1,211	0.1%	100%	1.7%
FC HoldCo LLC	1,197	0.1%	100%	0%
American Credit Acceptance, LLC	1,186	0.1%	88.9%	0.1%
Cascade CISS Holdings, LLC	1,143	0.1%	99.6%	0%
Radius Global Solutions LLC	1,100	0.1%	100%	63.7%
Nissan Motor Acceptance Company LLC	1,079	0.1%	97.4%	0%
Shellpoint Partners, LLC	1,071	0.1%	94.6%	0.5%
Atlanticus Services Corporation	1,064	0.1%	100%	36.4%
Chime Financial Inc	1,045	0.1%	100%	10.4%
HW Holding, Inc	1,032	0.1%	100%	33.5%
T.S. Holdings	1,017	0.1%	99.9%	25.1%
Sunrise Credit Services, Inc	1,009	0.1%	100%	0%
Synovus Bank	1,007	0.1%	100%	9.8%
Mercedes Benz Financial Services	1,002	0.1%	100%	0%
Enova International, Inc.	963	0.1%	99.6%	0.5%
First Advantage Corporation	962	0.1%	89.1%	0%
Open Dealer Exchange, LLC	961	0.1%	98.3%	0%
American Honda Finance Corp	960	0.1%	99.8%	0%
Southwest Credit Systems, L.P.	941	0.1%	100%	91.6%
Fair Collections & Outsourcing, Inc.	928	0.1%	98.4%	0.1%
Credit Karma, LLC	916	0.1%	96.2%	29.3%
Ford Motor Credit Co.	886	0.1%	100%	6.5%
Aldous & Associates, PLLC	883	0.1%	99.7%	0%
Pentagon Federal Credit Union	883	0.1%	100%	13.1%
Cavalry Investments, LLC	875	0.1%	100%	10.5%
Citizens Financial Group, Inc.	875	0.1%	100%	1.1%
MoneyLion Inc.	847	0.1%	99.8%	7.3%
Fifth Third Financial Corporation	843	0.1%	100%	5.9%
Continental Finance Company, LLC	837	0.1%	99.8%	0%

By period

The three years are cut into 12 month periods ending on the date of the latest data.

Period	Complaints	Share
12 months to Nov 6, 2026	6,580,243	50.2%
12 months to Nov 6, 2025	4,466,261	34.1%
12 months to Nov 6, 2024	2,068,095	15.8%

Issues

Issue	Complaints	Share
Incorrect information on your report	7,523,065	57.4%
Improper use of your report	3,032,243	23.1%
Problem with a company's investigation into an existing problem	2,440,545	18.6%
Problem with fraud alerts or security freezes	41,964	0.3%
Unable to get your credit report or credit score	40,450	0.3%
Credit monitoring or identity theft protection services	26,074	0.2%
Problem with a company's investigation into an existing issue	8,753	0.1%
Identity theft protection or other monitoring services	1,487	0.1%
Dealing with your lender or servicer	4	0.1%
Problems at the end of the loan or lease	4	0.1%
Getting a credit card	2	0.1%
Getting a loan	2	0.1%
Problem with a purchase shown on your statement	2	0.1%
	1	0.1%
Managing an account	1	0.1%
Other features, terms, or problems	1	0.1%
Struggling to repay your loan	1	0.1%

Sub-products

Sub-product	Complaints	Share
Credit reporting	13,066,431	99.6%
Other personal consumer report	48,168	0.4%

How companies responded

Company response	Complaints	Share
Closed with explanation	7,376,127	56.2%
Closed with non-monetary relief	5,114,136	39%
In progress	614,997	4.7%
Untimely response	6,745	0.1%
Closed with monetary relief	2,584	0.1%
Not listed	10	0.1%

States

State	Complaints	Share
Texas	1,991,252	15.2%
Florida	1,943,993	14.8%
California	1,198,208	9.1%
Georgia	1,004,998	7.7%
New York	723,076	5.5%
Illinois	569,181	4.3%
Pennsylvania	472,611	3.6%
North Carolina	462,985	3.5%
New Jersey	410,318	3.1%
Alabama	362,199	2.8%
Louisiana	327,089	2.5%
South Carolina	321,198	2.4%
Maryland	307,305	2.3%
Mississippi	296,379	2.3%
Michigan	268,377	2%
Ohio	247,796	1.9%
Virginia	224,433	1.7%
Arizona	195,399	1.5%
Tennessee	185,019	1.4%
Nevada	163,133	1.2%
Massachusetts	159,636	1.2%
Indiana	142,303	1.1%
Missouri	133,211	1%
Washington	97,420	0.7%
Wisconsin	93,812	0.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Company	Issue	Company response	Source
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	Experian Information Solutions Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Improper use of your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov

Also on SpecStream

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.