CFPB · Diversified product mix
State Employees Credit Union
2.0K CFPB complaints · diversified mix (top product 27%) · top issue Incorrect information on your report.
State Employees Credit Union: top product "Credit reporting or other personal consumer reports" is only 27% of 2.0K - multi-bucket mix. Timely 98.5% · relief 1.3%. Allegations, not findings.
- Diversified product mix
- +8225% filings 2012 to 2026
CFPB relief outcome brief
CCDB company state-employees-credit-union
1.3% relief · 98.5% timely · 2.0K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Dakota Financial, LLC (1.3% relief)
State Employees Credit Union closes 1.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
State Employees Credit Union scores strongest on timely response (97/100 percentile-benchmarked) and weakest on relief provided (6/100), 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
6 / 100 percentile-benchmarked
1.3% of complaints closed with relief to the consumer
Timely response
97 / 100 percentile-benchmarked
98.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
95 / 100 percentile-benchmarked
97.5% of complaints closed with an explanation to the consumer
How 2.0K 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.
State Employees Credit Union complaint mix by product
- Credit reporting 529 30.1% – 0% relief
- Checking or 393 22.4% – 1% relief
- Debt collection 322 18.3% – 0% relief
- Credit reporting, 170 9.7% – 0% relief
- Mortgage 147 8.4% – 2% relief
- Vehicle loan 121 6.9% – 1% relief
- Credit card 73 4.2% – 0% relief
How State Employees Credit Union's 2.0K 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 | 529 |
| Checking or savings account | 393 |
| Debt collection | 322 |
| Credit reporting, credit repair services, or other personal consumer reports | 170 |
| Mortgage | 147 |
| Vehicle loan or lease | 121 |
| Credit card | 73 |
| Bank account or service | 67 |
| Money transfer, virtual currency, or money service | 31 |
| Payday loan, title loan, personal loan, or advance loan | 28 |
| Credit card or prepaid card | 26 |
| Payday loan, title loan, or personal loan | 25 |
| Consumer Loan | 14 |
| Debt or credit management | 8 |
| Money transfers | 4 |
| Prepaid card | 2 |
| Payday loan | 1 |
Concentrated filing states for State Employees Credit Union
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 88% of this company's filings
State Employees Credit Union rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 333
- +8225% vs 2012
Volume vs. relief
Where State Employees Credit Union sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, State Employees Credit Union files more complaint volume than 34% of them, and closes complaints with relief more often than 42% of them, placing it in the quadrant for lower 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: 1,961 · Closed with relief: 1.3%
Top States
| State | Complaints |
|---|---|
| NC | 1.7K |
| GA | 56 |
| SC | 38 |
| TX | 25 |
| FL | 24 |
| VA | 23 |
| NY | 13 |
| MD | 8 |
| OH | 3 |
| CA | 3 |
| WA | 2 |
| OR | 2 |
| TN | 2 |
| PA | 2 |
| DC | 2 |
| AZ | 2 |
| NM | 1 |
| AP | 1 |
| UNITED STATES MINOR OUTLYING ISLANDS | 1 |
| AR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 419 |
| Managing an account | 261 |
| Improper use of your report | 160 |
| Took or threatened to take negative or legal action | 153 |
| Problem with a company's investigation into an existing problem | 149 |
| Attempts to collect debt not owed | 87 |
| Problem with a lender or other company charging your account | 73 |
| Problem with a credit reporting company's investigation into an existing problem | 45 |
| Struggling to pay mortgage | 39 |
| Written notification about debt | 38 |
| False statements or representation | 36 |
| Applying for a mortgage or refinancing an existing mortgage | 32 |
| Trouble during payment process | 30 |
| Managing the loan or lease | 28 |
| Account opening, closing, or management | 28 |
| Problem caused by your funds being low | 25 |
| Problem with a purchase shown on your statement | 24 |
| Struggling to pay your loan | 22 |
| Closing an account | 21 |
| Deposits and withdrawals | 21 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 4 | 100% |
| 2013 | 12 | 91.7% |
| 2014 | 17 | 100% |
| 2015 | 33 | 100% |
| 2016 | 31 | 100% |
| 2017 | 71 | 98.6% |
| 2018 | 49 | 100% |
| 2019 | 46 | 100% |
| 2020 | 67 | 98.5% |
| 2021 | 110 | 96.4% |
| 2022 | 124 | 99.2% |
| 2023 | 174 | 100% |
| 2024 | 303 | 99% |
| 2025 | 587 | 96.8% |
| 2026 | 333 | 100% |
Source: CFPB Consumer Complaint Database
State Employees Credit Union spreads across product buckets
State Employees Credit Union's 1,961 logged complaints stay concentrated: only 31 states show a filing. Only 32.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2012 through 2026-06-24.
State Employees Credit Union answers 98.5% of complaints inside the CFPB's tracked window and closes 97.5% with a written explanation. 1.3% 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 State Employees Credit Union.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for State Employees Credit Union: 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: 2.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.5%.
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 State Employees Credit Union (#226 of 342; 98.5% timely; 1.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix