Of the 7,037,049 complaints the CFPB received from October 2025 through September 2026, 6,178,461 (87.8%) were about the three national credit bureaus: TransUnion (2,257,197), Equifax (2,015,969) and Experian (1,905,295). In the 12 months before, the three drew 4,101,104 of 4,800,968 complaints (85.4%).
The total rose 46.6% from one year to the next. Most complaints are about credit reports: 6,381,898 (90.7%) were filed under the product "Credit reporting or other personal consumer reports". No other company drew more than 34,919.
What these numbers are
These are unverified complaints. The CFPB does not confirm every claim, one person can file several complaints, and the counts are not adjusted for how many customers each company has. The credit bureaus hold files on most U.S. adults, so they would draw many complaints even at a low rate. Complaint volume also moves with awareness of the CFPB, with credit repair and dispute services that file on people’s behalf, and with how the CFPB routes complaints. A rise in the count is not by itself evidence that a company’s conduct changed. Company names are as listed in the database.
The 25 companies with the most complaints
| Rank | Company, as named in the database | Complaints, Oct 2025 to Sep 2026 | Share of all complaints | Complaints, Oct 2024 to Sep 2025 |
|---|---|---|---|---|
| 1 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | 2,257,197 | 32.08% | 1,404,444 |
| 2 | EQUIFAX, INC. | 2,015,969 | 28.65% | 1,439,312 |
| 3 | Experian Information Solutions Inc. | 1,905,295 | 27.08% | 1,257,348 |
| 4 | LEXISNEXIS | 34,919 | 0.50% | 16,208 |
| 5 | CAPITAL ONE FINANCIAL CORPORATION | 34,707 | 0.49% | 31,913 |
| 6 | CL Holdings LLC | 28,748 | 0.41% | 13,460 |
| 7 | JPMORGAN CHASE & CO. | 27,053 | 0.38% | 22,905 |
| 8 | Resurgent Capital Services L.P. | 24,960 | 0.35% | 21,855 |
| 9 | CBC Companies, Inc. | 24,656 | 0.35% | 26,664 |
| 10 | BANK OF AMERICA, NATIONAL ASSOCIATION | 24,474 | 0.35% | 17,442 |
| 11 | CITIBANK, N.A. | 24,213 | 0.34% | 18,154 |
| 12 | ENCORE CAPITAL GROUP INC. | 23,732 | 0.34% | 15,118 |
| 13 | WELLS FARGO & COMPANY | 23,293 | 0.33% | 17,944 |
| 14 | Portfolio Recovery Associates, LLC | 21,851 | 0.31% | 13,946 |
| 15 | SYNCHRONY FINANCIAL | 16,741 | 0.24% | 12,357 |
| 16 | Block, Inc. | 15,987 | 0.23% | 45,360 |
| 17 | Chime Financial Inc | 12,909 | 0.18% | 5,776 |
| 18 | Paypal Holdings, Inc | 12,426 | 0.18% | 6,136 |
| 19 | AMERICAN EXPRESS COMPANY | 11,806 | 0.17% | 10,099 |
| 20 | Bread Financial Holdings, Inc. | 11,045 | 0.16% | 8,149 |
| 21 | CCS Financial Services, Inc. | 10,583 | 0.15% | 6,990 |
| 22 | NAVY FEDERAL CREDIT UNION | 10,554 | 0.15% | 17,746 |
| 23 | MOHELA | 9,166 | 0.13% | 10,374 |
| 24 | Kriya Capital, LLC | 8,683 | 0.12% | 4,376 |
| 25 | Affirm Holdings, Inc | 8,283 | 0.12% | 4,531 |
The CSV lists every company in the database for the period, 4,177 in all. Shares are our calculation.
Complaints by product
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 6,381,898 | 90.69% |
| Debt collection | 323,478 | 4.60% |
| Credit card | 95,796 | 1.36% |
| Checking or savings account | 88,734 | 1.26% |
| Money transfer, virtual currency, or money service | 39,413 | 0.56% |
| Mortgage | 33,293 | 0.47% |
| Vehicle loan or lease | 25,321 | 0.36% |
| Student loan | 19,945 | 0.28% |
| Payday loan, title loan, personal loan, or advance loan | 18,498 | 0.26% |
| Prepaid card | 6,319 | 0.09% |
| Debt or credit management | 4,354 | 0.06% |
Source
Consumer Financial Protection Bureau, Consumer Complaint Database, all products, date received October 1, 2025 through September 30, 2026 and October 1, 2024 through September 30, 2025, queried through the public API on October 15, 2026. U.S. government data in the public domain. Our tables are available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "CFPB Complaints by Company," My Credit Guide, October 15, 2026, https://mycreditguide.org/data/cfpb-complaints-by-company/.