Key Takeaways
- The three nationwide credit bureaus, TransUnion, Equifax and Experian, drew 87% of the 6,514,045 complaints the CFPB received from July 2025 through June 2026, according to CFPB data.
- The company with the most complaints after the bureaus, Capital One, drew 32,852; the fewest of the three bureaus drew 1,708,976.
- 90% of all complaints in the window were about credit reporting, the CFPB's largest product by far; 10 products follow, led by debt collection.
- The CFPB says complaints are not a representative sample and should be read against company size, so these counts are not rates.
The three nationwide credit bureaus, TransUnion, Equifax and Experian, drew 87% of the 6,514,045 consumer complaints the CFPB received from July 2025 through June 2026. The company with the most complaints after them, Capital One, drew 32,852, more of them in the credit card product than in any other; the bureau with the fewest, Experian, drew more than 52 times as many, according to CFPB data.
These are counts, not rates. According to the CFPB, its complaints are not a statistical sample and are not representative of all consumers' experiences, and companies with more customers may have more complaints than companies with fewer. No single public measure of size covers credit bureaus, banks, debt collectors and payment apps alike, so this page ranks by count and the table shows what each company's complaints were about.
The 30 companies with the most CFPB complaints
Complaints received July 2025 through June 2026, by the company the CFPB filed each one against, as the CFPB names it. "Most complaints about" is the product with the largest share of that company's complaints.
| Rank | Company | Complaints | Share of all | Most complaints about | Share of company's | Source |
|---|---|---|---|---|---|---|
| 1 | TransUnion | 2,037,349 | 31.28% | Credit reporting or other personal consumer reports | 99% | CFPB |
| 2 | Equifax | 1,929,477 | 29.62% | Credit reporting or other personal consumer reports | 99% | CFPB |
| 3 | Experian | 1,708,976 | 26.24% | Credit reporting or other personal consumer reports | 99% | CFPB |
| 4 | Capital One | 32,852 | 0.50% | Credit card | 37% | CFPB |
| 5 | LexisNexis | 30,524 | 0.47% | Credit reporting or other personal consumer reports | 100% | CFPB |
| 6 | CBC Companies | 30,152 | 0.46% | Credit reporting or other personal consumer reports | 100% | CFPB |
| 7 | JPMorgan Chase | 26,706 | 0.41% | Checking or savings account | 36% | CFPB |
| 8 | Resurgent Capital Services | 25,451 | 0.39% | Debt collection | 74% | CFPB |
| 9 | CL Holdings | 25,014 | 0.38% | Debt collection | 81% | CFPB |
| 10 | Bank of America | 23,335 | 0.36% | Checking or savings account | 36% | CFPB |
| 11 | Citibank | 23,119 | 0.35% | Credit card | 47% | CFPB |
| 12 | Wells Fargo | 23,066 | 0.35% | Checking or savings account | 42% | CFPB |
| 13 | Encore Capital Group | 22,639 | 0.35% | Debt collection | 81% | CFPB |
| 14 | Portfolio Recovery Associates | 20,724 | 0.32% | Debt collection | 80% | CFPB |
| 15 | Synchrony | 16,459 | 0.25% | Credit card | 51% | CFPB |
| 16 | Block | 15,271 | 0.23% | Money transfer, virtual currency, or money service | 63% | CFPB |
| 17 | American Express | 11,629 | 0.18% | Credit card | 47% | CFPB |
| 18 | Chime | 11,565 | 0.18% | Checking or savings account | 65% | CFPB |
| 19 | Bread Financial | 11,336 | 0.17% | Debt collection | 36% | CFPB |
| 20 | PayPal | 10,825 | 0.17% | Money transfer, virtual currency, or money service | 76% | CFPB |
| 21 | CCS Financial Services | 10,817 | 0.17% | Debt collection | 83% | CFPB |
| 22 | Navy Federal Credit Union | 10,412 | 0.16% | Checking or savings account | 31% | CFPB |
| 23 | MOHELA | 8,913 | 0.14% | Student loan | 75% | CFPB |
| 24 | Affirm | 7,735 | 0.12% | Credit reporting or other personal consumer reports | 37% | CFPB |
| 25 | Kriya Capital | 7,692 | 0.12% | Debt collection | 83% | CFPB |
| 26 | National Credit Systems | 7,528 | 0.12% | Debt collection | 78% | CFPB |
| 27 | Fidelity National Information Services | 7,367 | 0.11% | Credit reporting or other personal consumer reports | 89% | CFPB |
| 28 | I.C. System | 7,278 | 0.11% | Debt collection | 82% | CFPB |
| 29 | Nelnet | 7,051 | 0.11% | Student loan | 50% | CFPB |
| 30 | Early Warning Services | 7,043 | 0.11% | Credit reporting or other personal consumer reports | 64% | CFPB |
Download this table (CSV), free. The full dataset, all 4,195 companies with their complaints in every product, is one email away.
Who leads each product
Credit reporting was 90% of all complaints in the window, according to CFPB data, which is why the three bureaus dominate the ranking. Of the other 10 products, the largest, debt collection, drew 333,625 complaints, led by CL Holdings with 20,377.
| Product | Complaints | Share of all | Most complaints | Its complaints | Its share | Next | Most, outside the three bureaus | Source |
|---|---|---|---|---|---|---|---|---|
| Credit reporting or other personal consumer reports | 5,861,979 | 90.0% | TransUnion | 2,014,919 | 34% | Equifax | LexisNexis (30,424) | CFPB |
| Debt collection | 333,625 | 5.1% | CL Holdings | 20,377 | 6% | Resurgent Capital Services | same | CFPB |
| Credit card | 95,526 | 1.5% | Capital One | 12,006 | 13% | Citibank | same | CFPB |
| Checking or savings account | 83,974 | 1.3% | Wells Fargo | 9,708 | 12% | JPMorgan Chase | same | CFPB |
| Money transfer, virtual currency, or money service | 37,508 | 0.6% | Block | 9,605 | 26% | PayPal | same | CFPB |
| Mortgage | 30,510 | 0.5% | Shellpoint Partners | 3,524 | 12% | Rocket Mortgage | same | CFPB |
| Vehicle loan or lease | 24,279 | 0.4% | Santander Holdings USA | 2,289 | 9% | Ally Financial | same | CFPB |
| Student loan | 19,332 | 0.3% | MOHELA | 6,699 | 35% | Nelnet | same | CFPB |
| Payday loan, title loan, personal loan, or advance loan | 16,649 | 0.3% | Affirm | 1,688 | 10% | OneMain Finance | same | CFPB |
| Prepaid card | 6,348 | 0.1% | Comerica | 1,006 | 16% | Block | same | CFPB |
| Debt or credit management | 4,315 | 0.1% | Experian | 343 | 8% | Equifax | Consumer Financial Services Solutions (176) | CFPB |
Where a bureau leads a product, the last column names the company with the most complaints outside the three bureaus.
Why the credit bureaus are most of the database
Each of the three bureaus drew at least 99% of its complaints in the credit reporting product, by CFPB data, and together they drew 5,675,802. Outside the bureaus, 838,243 complaints, 13% of the total, are spread across the other companies in the database.
What this means for technology buyers
A complaint to the CFPB reaches the company for a response, and the CFPB publishes how the company responded. For a lender, servicer or collector, that makes complaint handling part of servicing, with a record of what each customer was told. These guides compare the software involved:
- CRM for financial services: one view of the customer across servicing, disputes and complaints.
- Collections software for banks: the collection side of a consumer lending book.
- Loan servicing platforms for specialty finance: servicing at volume for non-bank lenders.
Mapping the business first? The Retail Bank Business Capability Model sets out what a bank does, and the Payments Industry Capability Model does the same for a payments business.
More from Finantrix Atlas
How this list was built
The universe is every complaint in the CFPB's Consumer Complaint Database received from July 1, 2025 through June 30, 2026: four full calendar quarters, ending at the latest quarter-end at least a month before the database's last update, counted by the date the CFPB received each complaint. Each complaint is counted once, under the company the CFPB filed it against. Names are as the CFPB files them; no affiliates are combined, and the table shows a shortened form of each filed name.
The counts were read from the CFPB's public search API, without downloading the database. They reconcile four ways, and the build checks each: the 4,195 companies' counts add up to the API's own total of 6,514,045; each product's companies add up to that product's total; the products add up to the window's total; and, for every company, its counts by product add up to its overall count.
The three nationwide credit bureaus are a recorded list of the names the CFPB files them under. The build checks that each is in the data and that nearly all of each one's complaints are about credit reporting.
Limits
- Complaints are what consumers report, not a sample. According to the CFPB, a complaint is published once the company responds or after 15 days, complaints are not "information" for the purposes of the Information Quality Act, and the database is not representative of all consumers' experiences.
- Counts scale with size. According to the CFPB, companies with more customers may have more complaints than companies with fewer, and complaint volume should be read against company size and market share. This page does not adjust for size.
- Some companies are missing. The CFPB does not publish complaints it refers to other regulators, such as complaints about depository institutions with less than $10 billion in assets.
- Names as filed. A group that files under several company names appears once per name, and a company is credited with complaints the CFPB filed against it, whatever product the consumer chose.
- One window. The data covers complaints received July 2025 through June 2026, read on October 23, 2026. The CFPB says the database generally updates daily, so a later count for the same window can differ slightly.
Cite this
Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.
The three nationwide credit bureaus drew 87% of the 6,514,045 consumer complaints the CFPB received from July 2025 through June 2026, according to a Finantrix Atlas analysis of CFPB data.
After the credit bureaus, Capital One drew the most CFPB complaints from July 2025 through June 2026, 32,852, according to Finantrix Atlas.
Suggested citation: Finantrix Atlas, "Companies with the Most Consumer Complaints," complaints received July 2025 through June 2026, from the CFPB Consumer Complaint Database. https://www.finantrix.com/articles/cfpb-complaints-by-company
Embed the chart:
<a href="https://www.finantrix.com/articles/cfpb-complaints-by-company"><img src="https://www.finantrix.com/atlas/cfpb-complaints-by-company.png" alt="Companies with the most CFPB consumer complaints after the credit bureaus, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/cfpb-complaints-by-company">Finantrix Atlas</a>, from the CFPB Consumer Complaint Database.</p>
Frequently asked questions
Q: Which company has the most CFPB complaints? A: TransUnion, with 2,037,349 complaints received from July 2025 through June 2026. Together the three nationwide credit bureaus, TransUnion, Equifax and Experian, drew 87% of the 6,514,045 complaints the CFPB received from July 2025 through June 2026, according to CFPB data.
Q: Which company has the most CFPB complaints apart from the credit bureaus? A: Capital One, with 32,852 complaints received from July 2025 through June 2026, more of them in the credit card product than in any other, according to CFPB data.
Q: What do most CFPB complaints concern? A: Credit reporting, which was 90% of all complaints received from July 2025 through June 2026. The next largest product was debt collection, with 333,625.
Q: Does a company with more complaints treat consumers worse? A: Not necessarily. The CFPB says its complaints are not a representative sample and that companies with more customers may have more complaints, so a count is not a rate.
Q: Which company has the most credit card complaints? A: Capital One, according to CFPB data for complaints received July 2025 through June 2026.
Download the data
The 30 rows on this page (CSV), free. The full dataset has all 4,195 rows, as of June 30, 2026; we email you a link.
Frequently Asked Questions
Which company has the most CFPB complaints?
TransUnion, with 2,037,349 complaints received from July 2025 through June 2026. Together the three nationwide credit bureaus, TransUnion, Equifax and Experian, drew 87% of the 6,514,045 complaints the CFPB received from July 2025 through June 2026, according to CFPB data.
Which company has the most CFPB complaints apart from the credit bureaus?
Capital One, with 32,852 complaints received from July 2025 through June 2026, more of them in the credit card product than in any other, according to CFPB data.
What do most CFPB complaints concern?
Credit reporting, which was 90% of all complaints received from July 2025 through June 2026. The next largest product was debt collection, with 333,625.
Does a company with more complaints treat consumers worse?
Not necessarily. The CFPB says its complaints are not a representative sample and that companies with more customers may have more complaints, so a count is not a rate.
Which company has the most credit card complaints?
Capital One, according to CFPB data for complaints received July 2025 through June 2026.