The CFPB received 95,409 credit card complaints from October 2025 through September 2026. The most common issue, in 30,637 of them (32%), was a problem with a purchase shown on the statement. The year before, the count was 87,813.
Other common issues were getting a card (10,893), fees or interest (9,845) and closing an account (6,582). This page covers the product "Credit card". Complaints about credit reports and debt collectors are filed under other products and are on our credit report and debt collection complaint pages.
California had the most complaints, 14,988, followed by Florida (10,040) and Texas (9,318). Per resident, the District of Columbia was highest at 49 per 100,000 people.
What these numbers are
These are complaints, not findings. The CFPB does not verify every claim, one person can file more than one complaint, and the issue is the category the consumer picked. Complaint counts also move with awareness of the CFPB and with how companies route customers to it, so a change in the count is not by itself a change in how companies behave.
Complaints by issue
| Issue the consumer chose | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 30,637 | 32.1% |
| Getting a credit card | 10,893 | 11.4% |
| Other features, terms, or problems | 10,786 | 11.3% |
| Fees or interest | 9,845 | 10.3% |
| Incorrect information on your report | 8,088 | 8.5% |
| Closing your account | 6,582 | 6.9% |
| Problem when making payments | 4,816 | 5.0% |
| Advertising and marketing, including promotional offers | 4,215 | 4.4% |
| Trouble using your card | 3,768 | 3.9% |
| Problem with a company's investigation into an existing problem | 3,445 | 3.6% |
| Struggling to pay your bill | 1,383 | 1.4% |
| Improper use of your report | 611 | 0.6% |
| Credit monitoring or identity theft protection services | 193 | 0.2% |
| Problem with fraud alerts or security freezes | 101 | 0.1% |
| Unable to get your credit report or credit score | 46 | 0.0% |
Complaints by state
| State | Complaints | Per 100,000 residents |
|---|---|---|
| California | 14,988 | 38.0 |
| Florida | 10,040 | 43.0 |
| Texas | 9,318 | 29.8 |
| New York | 7,693 | 38.7 |
| New Jersey | 3,747 | 39.4 |
| Georgia | 3,642 | 32.6 |
| Illinois | 3,603 | 28.3 |
| Pennsylvania | 3,159 | 24.2 |
| North Carolina | 2,882 | 26.1 |
| Virginia | 2,802 | 31.8 |
| Ohio | 2,224 | 18.7 |
| Washington | 2,181 | 27.4 |
| Michigan | 1,991 | 19.6 |
| Massachusetts | 1,964 | 27.5 |
| Arizona | 1,930 | 25.5 |
| Maryland | 1,878 | 30.0 |
| Colorado | 1,558 | 26.2 |
| Tennessee | 1,367 | 18.9 |
| Nevada | 1,255 | 38.4 |
| South Carolina | 1,239 | 22.6 |
| Indiana | 1,104 | 15.9 |
| Connecticut | 1,015 | 27.6 |
| Missouri | 969 | 15.5 |
| Minnesota | 963 | 16.6 |
| Wisconsin | 922 | 15.5 |
| Oregon | 896 | 21.0 |
| Louisiana | 852 | 18.5 |
| Alabama | 850 | 16.5 |
| Utah | 666 | 19.0 |
| Kentucky | 620 | 13.5 |
| Oklahoma | 582 | 14.2 |
| Arkansas | 562 | 18.2 |
| Mississippi | 474 | 16.1 |
| Kansas | 444 | 14.9 |
| Delaware | 416 | 39.5 |
| New Hampshire | 358 | 25.4 |
| Iowa | 356 | 11.0 |
| West Virginia | 350 | 19.8 |
| District of Columbia | 347 | 49.4 |
| Idaho | 331 | 16.5 |
| Hawaii | 326 | 22.5 |
| New Mexico | 314 | 14.7 |
| Rhode Island | 256 | 23.0 |
| Nebraska | 240 | 12.0 |
| Maine | 232 | 16.5 |
| Montana | 160 | 14.1 |
| South Dakota | 118 | 12.8 |
| Alaska | 111 | 15.0 |
| Vermont | 108 | 16.7 |
| Wyoming | 89 | 15.1 |
| North Dakota | 76 | 9.5 |
50 states and D.C. 841 complaints had no state or a territory or military address, so the state rows add to less than the total. The rate per 100,000 residents is our calculation using Census 2024 ACS one-year population.
Source
Consumer Financial Protection Bureau, Consumer Complaint Database, product "Credit card", date received October 1, 2025 through September 30, 2026, queried through the public API on October 13, 2026. U.S. government data in the public domain. Population: U.S. Census Bureau, American Community Survey 2024 one-year estimates (B01003). Our tables are available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Credit Card Complaints by Issue and State," My Credit Guide, October 13, 2026, https://mycreditguide.org/data/credit-card-complaints/.