Complaints

Who Americans complain about, and what happened next

16,878,058 complaints filed with the Consumer Financial Protection Bureau. This is the public record for 224 companies, including how each one closed them.

16.9MComplaints on file
6,500Companies named
99.4%Answered on time
1.3%Ended in money back
Read these numbers with three things in mind

A big complaint count usually means a big customer base. A bank with 60 million customers will out-complain a bank with 200,000 whatever either one does. Counts are not a quality score and this page is not a ranking.

The CFPB does not judge who was right. A complaint is the consumer's account of what happened. The company answers it. Neither side is verified here.

Credit reporting dominates the database. Two thirds of all complaints on file are about credit reports, and disputes filed in bulk on consumers' behalf are part of that. It distorts every total that includes the credit bureaus.

Complaints filed by year

YearComplaints
2021495,939
2022800,245
20231,292,049
20242,734,269
20255,442,976
20264,195,659

2026 is a part year. The database was read on 2026-08-05.

What the complaints are about

ProductComplaints
Credit reporting or other personal consumer reports11,390,152
Credit reporting, credit repair services, or other personal consumer reports2,163,770
Debt collection1,161,277
Mortgage455,911
Checking or savings account384,340
Credit card331,356
Credit card or prepaid card206,356
Money transfer, virtual currency, or money service186,177
Credit reporting140,426
Student loan131,226
Vehicle loan or lease99,769
Bank account or service86,198

Companies with a page here

A page exists where the record holds at least 2,000 complaints. Below that there is not enough on file to say anything useful.

Transunion Intermediate Holdings, INC.4,603,225 Equifax, INC.4,453,850 Experian Information Solutions Inc.4,034,955 Bank of America, National Association183,651 JPMORGAN Chase & CO.172,414 Wells Fargo & Company172,195 Capital One Financial Corporation167,252 Citibank, N.A.138,574 Synchrony Financial81,799 Resurgent Capital Services L.P.69,128 Block, Inc.68,579 Encore Capital Group INC.64,628 Portfolio Recovery Associates, LLC63,371 Lexisnexis61,683 American Express Company58,742 CBC Companies, Inc.57,217 CL Holdings LLC50,039 U.S. Bancorp48,894 Navy Federal Credit Union48,164 Bread Financial Holdings, Inc.47,873 Discover Bank44,503 Navient Solutions, LLC.43,685 Paypal Holdings, Inc40,147 Ocwen Financial Corporation37,785 TD Bank US Holding Company36,841 Early Warning Services, LLC36,069 PNC Bank N.A.31,950 Ally Financial INC.29,650 Mohela28,400 Barclays Bank Delaware28,120 CCS Financial Services, Inc.27,766 Nelnet, Inc.27,095 Chime Financial Inc26,528 I.C. System, Inc.24,070 Truist Financial Corporation24,002 Transworld Systems INC21,178 National Credit Systems,Inc.20,643 Goldman Sachs Bank USA20,432 Fidelity National Information Services, Inc. (FNIS)19,417 Nationstar Mortgage LLC19,296 United Services Automobile Association19,287 Shellpoint Partners, LLC19,002 Citizens Financial Group, INC.17,890 Kriya Capital, LLC17,660 Santander Holdings USA, INC.16,867 Aes/pheaa16,506 Affirm Holdings, Inc16,343 Select Portfolio Servicing, INC.16,337 Mr. Cooper Group Inc.15,430 Fifth Third Financial Corporation14,958 Ditech Financial LLC14,947 Credit Acceptance Corporation14,009 Caine & Weiner Company, INC.13,899 Westlake Services, LLC13,581 Santander Consumer USA Holdings Inc.12,455 HSBC North America Holdings INC.12,424 Erc12,420 Maximus Federal Services, Inc.12,227 Self Financial Inc.12,208 OneMain Finance Corporation12,047 National Credit Adjusters, LLC10,839 Spring Oaks Capital, LLC10,207 M&t Bank Corporation10,030 Regions Financial Corporation10,012 Freedom Mortgage Company9,986 Suntrust Banks, INC.9,634 Coinbase, Inc.9,600 General Motors Financial Company, Inc.9,470 EdFinancial Services9,361 Corelogic INC9,323 Exeter Finance, LLC.9,212 Convergent Resources, Inc.9,111 Toyota Motor Credit Corporation9,078 HW Holding, Inc8,916 CLGF Holdco 1, LLC8,850 Specialized Loan Servicing Holdings LLC8,770 Huntington National Bank, the8,548 Rocket Mortgage, LLC8,486 Comerica8,475 Radius Global Solutions LLC8,383 LoanCare, LLC8,210 Keycorp8,128 Southwest Credit Systems, L.P.8,055 Hyundai Capital America7,941 ID Analytics, Inc.7,940 Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis7,940 Bridgecrest Acceptance Corporation7,363 Carrington Mortgage Services, LLC7,074 Bmo Bank National Association6,962 T.S. Holdings6,929 Servicer under contract with Federal Student Aid6,876 Sunrise Credit Services, INC6,765 NCB Management Services Inc.6,700 Sofi Technologies, INC.6,679 Kikoff Inc.6,674 Pentagon Federal Credit Union6,367 Fair Collections & Outsourcing, INC.6,249 Pennymac Loan Services, LLC.6,234 Cavalry Investments, LLC6,208 ProCollect, Inc.6,105 Slm Corporation5,939 Enova International, INC.5,784 Netspend Corporation5,700 Aldous & Associates, PLLC5,657 Bb&t Corporation5,522 TrueAccord Corp.5,364 Nissan Motor Acceptance Company LLC5,321 Atlanticus Services Corporation5,263 Harris & Harris, Ltd.5,244 Bbva Financial Corporation5,180 Amsher Collection Services, Inc.5,121 Afni INC.5,021 Credit Karma, LLC5,012 Diversified Consultants, Inc.4,937 American Honda Finance Corp4,895 Global Lending Services LLC4,893 Western Union Company, the4,842 Sequium Asset Solutions, LLC4,752 Caliber Home Loans, Inc.4,742 Upgrade, INC.4,688 Robinhood Markets INC.4,670 Synovus Bank4,632 The CBE Group, Inc.4,601 Seterus, Inc.4,486 World Acceptance Corporation4,469 Santander Bank, National Association4,274 Ability Recovery Services, LLC4,253 Flagstar Bank, N.A.4,208 First National Bank of Omaha4,152 Commonwealth Financial Systems, Inc.4,135 NRA Group, LLC4,079 HCFS Healthcare Financial Services of TeamHealth4,070 Source Receivables Management LLC4,035 Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)4,029 Fay Servicing, LLC3,958 Security Credit Services, LLC3,875 CarMax, Inc.3,868 American Credit Acceptance, LLC3,865 MoneyLion Inc.3,836 ONLINE Information Services, Inc.3,825 Acima Credit, LLC3,815 Rushmore Loan Management Services LLC3,802 W&A Intermediate Co., LLC3,799 Credit Control, LLC3,789 Consumer Portfolio Services, Inc.3,761 Capio Partners, LLC3,700 Ford Motor Credit CO.3,636 FC HoldCo LLC3,612 V and H Portfolio3,595 Eastern Account Systems of Connecticut, Inc.3,582 CURO Intermediate Holdings3,532 Continental Finance Company, LLC3,502 Fiserv Finxact Core3,447 Upstart Holdings, Inc.3,384 Incomm Holdings Inc.3,383 Aargon Agency, Inc.3,363 Moneygram Payment Systems Worldwide INC3,315 BMW Financial Services NA, LLC3,263 Mercedes Benz Financial Services3,254 LCI Acquisition Inc.3,200 Central Portfolio Control Inc.3,162 Rent Recovery Solutions3,152 Debt Recovery Solutions, LLC3,144 Selene Holdings LLC3,093 The CMI Group, Inc.3,090 Credit Corp Solutions Inc.3,067 RoundPoint Mortgage Servicing LLC2,999 LD Holdings Group, LLC2,962 Avant Holding Company, Inc.2,958 Medical Data Systems, Inc.2,932 Phoenix Financial Services LLC2,913 Colony Brands, Inc.2,907 Lakeview Loan Servicing, LLC2,887 Mrs Bpo, LLC2,859 EOS Holdings, Inc.2,840 Collection Management Holdings, LLC2,822 Penn Credit Corporation2,808 Velocity Portfolio Group2,806 Diversified Adjustment Service, Inc.2,767 Cng Financial Corporation2,708 Mariner Finance, LLC2,693 Wakefield & Associates, INC.2,684 Onemain Financial Holdings, LLC.2,646 CCF Intermediate Holdings LLC2,608 Conn's, Inc.2,593 LJ Ross Associates2,591 Lockhart, Morris & Montgomery Inc.2,586 Klarna AB2,567 Possible Financial Inc2,567 Bull City Financial Solutions, Inc2,565 VW Credit2,551 Tcf National Bank2,494 Advanced Resolution Services Inc.2,481 Absolute Resolutions Corp.2,463 PHH Mortgage Services Corporation2,450 Receivables Performance Management, LLC2,449 Waypoint Resource Group, LLC2,448 AmeriCollect2,444 Bank of the West2,443 Army and Air Force Exchange Service2,442 Dovenmuehle Mortgage, Inc.2,434 BTH Management2,430 Monterey Financial Services LLC2,415 RentDebt Automated Collections, LLC2,403 Consumer Adjustment Company Incorporated2,400 Credit Systems International, Inc.2,313 Conduent Incorporated2,286 United Shore Financial Services, LLC2,261 Lendmark Financial Services2,198 CIT Bank, National Association2,185 FinCo Services Inc DBA Current2,165 The Bureaus, Inc.2,157 Professional Debt Mediation, Inc.2,131 Populus Financial Group, Inc. (F/K/A Ace Cash Express)2,123 TekCollect Inc.2,117 Halsted Financial Services, LLC.2,111 Oportun Financial Corporation2,109 John C. Heath, Attorney at Law, PLLC2,088 AmeriHome Mortgage Company, LLC2,068 Security Finance Corp2,066 Opportunity Financial, LLC2,031 Midfirst Bank2,030 State Employees Credit Union2,017 MicroBilt / PRBC (formerly CL Verify)2,007
Filing your own costs nothing

Complaints go to the company through the CFPB, and the company has 15 days to respond. You get a tracking number. Most complaints close inside 60 days. Start at consumerfinance.gov/complaint.

Source: CFPB Consumer Complaint Database, retrieved 2026-08-05. Newest record on file 2026-08-04.