---
title: CFPB complaints — Credit reporting & consumer reports
product: Credit reporting & consumer reports
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Credit reporting & consumer reports

**12,874,188** complaints (80.6% of all CFPB complaints), across **4,010** companies. Companies gave a timely response **99.9%** of the time.

**How to read this:** complaint volume tracks how many people use a product 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). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 3 raw CFPB product labels: Credit reporting; Credit reporting or other personal consumer reports; Credit reporting, credit repair services, or other personal consumer reports.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| 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 (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely 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% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/credit-reporting-consumer-reports.jsonld`