CFPB · Heavy issue volume

Improper use of your report

3.1M CFPB complaints (heavy-volume third) · 2.6K companies · top product Credit reporting or other personal consumer reports.

3.1M CFPB complaints

"Improper use of your report" is in the heavy-volume third with 3.1M CFPB complaints (ranks #2 of 178) across 2.6K companies. Top product Credit reporting or other personal consumer reports. Allegations, not findings.

  • Volume rank #2 of 178
  • Transunion Intermediate… 33.3% of filings
  • Data updated June 2026
  • Heavy issue volume
3.1M
Total Complaints
2.6K
Companies
Credit reporting or other personal consumer reports
Top Product

Companies filing under "Improper use of your report"

# Company Complaints
1 Transunion Intermediate Holdings, Inc. 1.0M
2 Equifax, Inc. 996.8K
3 Experian Information Solutions Inc. 864.4K
4 Capital One Financial Corporation 17.9K
5 CBC Companies, Inc. 13.6K
6 LexisNexis 9.4K
7 JPMorgan Chase & Co. 8.1K
8 Synchrony Financial 7.5K
9 Citibank, N.a. 6.6K
10 Bank of America, National Association 5.3K
11 Ally Financial Inc. 5.1K
12 Wells Fargo & Company 4.9K
13 Resurgent Capital Services L.P. 4.5K
14 Discover Bank 4.2K
15 Bread Financial Holdings, Inc. 4.1K
16 Pending Company Match 4.0K
17 Navy Federal Credit Union 3.7K
18 Corelogic Inc 3.7K
19 American Express Company 3.5K
20 Fidelity National Information Services, Inc. (FNIS) 3.2K
21 OneMain Finance Corporation 3.0K
22 Portfolio Recovery Associates, LLC 2.8K
23 Santander Holdings USA, Inc. 2.8K
24 Encore Capital Group Inc. 2.7K
25 Nelnet, Inc. 2.6K
26 CL Holdings LLC 2.5K
27 TD Bank Us Holding Company 2.3K
28 Barclays Bank Delaware 2.2K
29 Early Warning Services, LLC 2.2K
30 Exeter Finance, LLC. 2.1K
31 Truist Financial Corporation 2.1K
32 Westlake Services, LLC 1.9K
33 U.S. Bancorp 1.9K
34 General Motors Financial Company, Inc. 1.8K
35 Self Financial Inc. 1.8K
36 Global Lending Services LLC 1.8K
37 CLGF Holdco 1, LLC 1.7K
38 Credit Acceptance Corporation 1.6K
39 Affirm Holdings, Inc 1.4K
40 CCS Financial Services, Inc. 1.4K
41 Maximus Federal Services, Inc. 1.3K
42 Mohela 1.3K
43 Cascade CISS Holdings, LLC 1.3K
44 Open Dealer Exchange, LLC 1.2K
45 Goldman Sachs Bank USA 1.2K
46 Consumer Portfolio Services, Inc. 1.2K
47 ID Analytics, Inc. 1.2K
48 I.C. System, Inc. 1.1K
49 FC HoldCo LLC 1.1K
50 Kikoff Inc. 863

Source: CFPB Consumer Complaint Database

"Improper use of your report" in the heavy-volume third

"Improper use of your report" appears across 2,617 distinct companies in the CFPB public record, a wide respondent spread for this allegation label. Volume lands in the heaviest third of indexed issue categories (#2 of 178). No single company exceeds 33.3% of these filings.

The most common product category where "Improper use of your report" is raised is "Credit reporting or other personal consumer reports". Use company profiles to see relief and timely-response rates on the firms named most often. Consumer wording drives the label, not a regulatory finding. See methodology for how CFPB complaint routing works.

Disclaimer: CFPB public records only. A complaint is an allegation, not proof of wrongdoing. PlainComplaint does not provide financial advice.

Data sourced from official public datasets for "Improper use of your report" (#2 of 178; 2.6K companies). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy issue volume