CFPB complaints · by product

Credit reporting & consumer reports

What consumers complain about with this financial product — and how often companies respond on time.

12,874,188

CFPB complaints filed · 80.6% of all

4,010

companies complained about

99.9%

timely response

Read the volume carefully. How many complaints a product draws tracks how many people use it and how large its companies are — not how "bad" it is. (Credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult and disputes are the #1 category.) The fair signal here is the timely-response rate — how reliably companies answer — which, unlike raw volume, isn't a function of size.

What goes wrong

The CFPB issue categories these complaints concern most.

Incorrect information on your report 6,967,782

Improper use of your report 3,082,129

Problem with a company's investigation into an existing problem 1,943,057

Problem with a credit reporting company's investigation into an existing problem 577,519

Incorrect information on credit report 102,681

Unable to get your credit report or credit score 59,471

Companies most complained about for this product

Highest complaint volume (context — it tracks size and market share, not a ranking of who's worst), shown next to each company's timely-response rate, the comparable signal.

CompanyComplaintsTimely response

TRANSUNION INTERMEDIATE HOLDINGS, INC. 4,237,991 100.0%

EQUIFAX, INC. 4,110,691 100.0%

Experian Information Solutions Inc. 3,721,051 100.0%

LEXISNEXIS 57,440 98.9%

CBC Companies, Inc. 55,759 100.0%

CAPITAL ONE FINANCIAL CORPORATION 50,249 100.0%

JPMORGAN CHASE & CO. 21,313 100.0%

CITIBANK, N.A. 20,728 100.0%

SYNCHRONY FINANCIAL 19,518 99.5%

BANK OF AMERICA, NATIONAL ASSOCIATION 18,514 96.8%

Resurgent Capital Services L.P. 16,742 100.0%

WELLS FARGO & COMPANY 16,684 99.1%

Fidelity National Information Services, Inc. (FNIS) 15,862 100.0%

Bread Financial Holdings, Inc. 15,090 100.0%

DISCOVER BANK 14,265 100.0%

Most companies respond on time, so this rate matters most where it is notably lower. A low rate means a company more often failed to answer within CFPB's window — it does not measure whether consumers were satisfied. And every count here is an unverified consumer allegation, not proven wrongdoing.

What these figures mean

RECORDED — the complaint count, issue breakdown, and timely-response rate are CFPB records of complaints consumers filed.
MODELED — "Credit reporting & consumer reports" merges 3 CFPB product labels (Credit reporting; Credit reporting or other personal consumer reports; Credit reporting, credit repair services, or other personal consumer reports) into one category so the same product isn't split across CFPB's legacy labels. The counts are unchanged.
CONTEXT — volume is not a ranking (it tracks reach and size, with no denominator); timely-response measures answering within CFPB's window, not consumer satisfaction.

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What this is — and is not

A CFPB complaint is an unverified consumer allegation — not a finding, not proven wrongdoing, and not a verdict by the CFPB or anyone else. This is not a ranking of which product or company is "worst," and not advice about a product or company. Read the actual complaints and how they were handled — and file your own — at the CFPB Consumer Complaint Database.