CFPB · Diversified product mix
CarMax, Inc.
3.8K CFPB complaints · diversified mix (top product 34.7%) · top issue Incorrect information on your report.
CarMax, Inc.: top product "Credit reporting or other personal consumer reports" is only 34.7% of 3.8K - multi-bucket mix. Timely 99.8% · relief 2.2%. Allegations, not findings.
- Diversified product mix
- +13475% filings 2013 to 2026
CFPB relief outcome brief
CCDB company carmax-inc
2.2% relief · 99.8% timely · 3.8K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Possible Financial Inc (2.2% relief)
CarMax, Inc. closes 2.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
CarMax, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (10/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
10 / 100 percentile-benchmarked
2.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
95 / 100 percentile-benchmarked
97.3% of complaints closed with an explanation to the consumer
How 3.8K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
CarMax, Inc. complaint mix by product
- Credit reporting 1K 34.8% – 1% relief
- Vehicle loan 1K 29.8% – 3% relief
- Credit reporting, 666 17.6% – 2% relief
- Debt collection 554 14.7% – 3% relief
- Consumer Loan 100 2.6% – 11% relief
- Credit card 10 0.3% – 0% relief
- Credit card 9 0.2% – 11% relief
How CarMax, Inc.'s 3.8K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 1.3K |
| Vehicle loan or lease | 1.1K |
| Credit reporting, credit repair services, or other personal consumer reports | 666 |
| Debt collection | 554 |
| Consumer Loan | 100 |
| Credit card | 10 |
| Credit card or prepaid card | 9 |
| Payday loan, title loan, or personal loan | 7 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Credit reporting | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Bank account or service | 1 |
| Other financial service | 1 |
Nationwide filing states for CarMax, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 15.8% of this company's filings
CarMax, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 543
- +13475% vs 2013
Volume vs. relief
Where CarMax, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, CarMax, Inc. files more complaint volume than 60% of them, and closes complaints with relief more often than 47% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 3,792 · Closed with relief: 2.2%
Top States
| State | Complaints |
|---|---|
| GA | 601 |
| TX | 465 |
| CA | 410 |
| FL | 401 |
| NC | 217 |
| IL | 208 |
| MD | 150 |
| SC | 119 |
| VA | 107 |
| TN | 106 |
| LA | 99 |
| AL | 86 |
| PA | 78 |
| MS | 63 |
| NV | 54 |
| NY | 49 |
| OH | 48 |
| AZ | 44 |
| IN | 42 |
| CT | 42 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 1.0K |
| Improper use of your report | 721 |
| Managing the loan or lease | 339 |
| Problem with a company's investigation into an existing problem | 286 |
| Attempts to collect debt not owed | 240 |
| Getting a loan or lease | 208 |
| Repossession | 172 |
| Problem with a credit reporting company's investigation into an existing problem | 136 |
| Problems at the end of the loan or lease | 123 |
| Struggling to pay your loan | 104 |
| Took or threatened to take negative or legal action | 99 |
| Written notification about debt | 77 |
| False statements or representation | 67 |
| Communication tactics | 53 |
| Problems when you are unable to pay | 27 |
| Credit monitoring or identity theft protection services | 20 |
| Shopping for a loan or lease | 15 |
| Taking out the loan or lease | 10 |
| Threatened to contact someone or share information improperly | 7 |
| Getting a credit card | 7 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 28 | 100% |
| 2015 | 33 | 100% |
| 2016 | 33 | 100% |
| 2017 | 57 | 96.5% |
| 2018 | 74 | 98.6% |
| 2019 | 83 | 97.6% |
| 2020 | 141 | 99.3% |
| 2021 | 279 | 99.6% |
| 2022 | 384 | 100% |
| 2023 | 469 | 99.8% |
| 2024 | 637 | 99.8% |
| 2025 | 1.0K | 100% |
| 2026 | 543 | 100% |
Source: CFPB Consumer Complaint Database
CarMax, Inc. spreads across product buckets
CarMax, Inc.'s 3,792 logged complaints reach a nationwide footprint - 51 states have at least one filing. Only 39.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-25.
CarMax, Inc. answers 99.8% of complaints inside the CFPB's tracked window and closes 97.3% with a written explanation. 2.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about CarMax, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CarMax, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.8K.
- W&A Intermediate Co., LLC Δ 3 complaints · 39.6% relief 3.8Kcomplaints
- Rushmore Loan Management Services LLC Δ 10 complaints · 0% relief 3.8Kcomplaints
- Security Credit Services, LLC Δ 17 complaints · 0% relief 3.8Kcomplaints
- American Credit Acceptance, LLC Δ 37 complaints · 4.7% relief 3.8Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for CarMax, Inc. (#139 of 342; 99.8% timely; 2.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix