Problem with a credit reporting company's investigation into an existing problem

589.3K consumer complaints across 1.7K companies

This page tracks consumer complaints about "Problem with a credit reporting company's investigation into an existing problem" filed with the CFPB. 589,318 complaints mention this issue across 1.7K companies. The most affected product category is "Credit reporting, credit repair services, or other personal consumer reports".

589.3K
Total Complaints
1.7K
Companies
Credit reporting, credit repair services, or other personal consumer reports
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Equifax, Inc. 200.9K
2 Transunion Intermediate Holdings, Inc. 170.6K
3 Experian Information Solutions Inc. 151.6K
4 Capital One Financial Corporation 5.6K
5 Citibank, N.a. 2.4K
6 Wells Fargo & Company 2.2K
7 LexisNexis 2.1K
8 JPMorgan Chase & Co. 2.0K
9 Bread Financial Holdings, Inc. 2.0K
10 Bank of America, National Association 1.9K
11 Synchrony Financial 1.9K
12 Discover Bank 1.4K
13 Portfolio Recovery Associates, LLC 1.3K
14 Nelnet, Inc. 1.1K
15 Santander Consumer USA Holdings Inc. 1.1K
16 Resurgent Capital Services L.P. 1.1K
17 Navient Solutions, LLC. 1.0K
18 TD Bank Us Holding Company 944
19 Aes/Pheaa 905
20 Ally Financial Inc. 904
21 American Express Company 862
22 Encore Capital Group Inc. 831
23 Navy Federal Credit Union 716
24 Barclays Bank Delaware 679
25 U.S. Bancorp 567
26 I.C. System, Inc. 523
27 Credit Acceptance Corporation 523
28 General Motors Financial Company, Inc. 522
29 Toyota Motor Credit Corporation 491
30 Fidelity National Information Services, Inc. (FNIS) 487
31 Erc 444
32 United Services Automobile Association 406
33 National Credit Systems,Inc. 382
34 CCS Financial Services, Inc. 381
35 Truist Financial Corporation 368
36 Self Financial Inc. 367
37 Hyundai Capital America 340
38 CL Holdings LLC 334
39 CBC Companies, Inc. 330
40 National Credit Adjusters, LLC 324
41 Convergent Resources, Inc. 321
42 OneMain Finance Corporation 314
43 Mr. Cooper Group Inc. 312
44 Westlake Services, LLC 311
45 Exeter Finance, LLC. 306
46 Nissan Motor Acceptance Company LLC 291
47 American Honda Finance Corp 289
48 Shellpoint Partners, LLC 288
49 PNC Bank N.A. 273
50 Affirm Holdings, Inc 270

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Problem with a credit reporting company's investigation into an existing problem" Complaints

The CFPB public record contains 589,318 consumer complaints tagged with the issue "Problem with a credit reporting company's investigation into an existing problem", distributed across 1,714 distinct companies that have been named as the respondent on at least one filing. That breadth, spread across 1,714 separate respondents, points to a systemic theme across the market rather than one company's operational problem, a structural friction in how a product category is sold, serviced, or collected on.

The most common product category where "Problem with a credit reporting company's investigation into an existing problem" is raised is "Credit reporting, credit repair services, or other personal consumer reports". See our methodology for how CFPB complaint routing and product-issue pairings work.

How to read complaint data responsibly

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "Problem with a credit reporting company's investigation into an existing problem" reflects consumer perception, not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "Problem with a credit reporting company's investigation into an existing problem", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional, this page is informational only.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. This page draws directly on the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.