Credit reporting, credit repair services, or other personal consumer reports

2.2M consumer complaints filed with the CFPB

This page summarizes consumer complaints about Credit reporting, credit repair services, or other personal consumer reports products filed with the CFPB. 2,163,771 complaints have been filed across 3.1K companies. The most commonly reported issue is "Incorrect information on your report".

2.2M
Total Complaints
3.1K
Companies
Incorrect information on your report
Top Issue

Companies with Most Credit reporting, credit repair services, or other personal consumer reports Complaints

# Company Complaints
1 Equifax, Inc. 699.1K
2 Transunion Intermediate Holdings, Inc. 622.2K
3 Experian Information Solutions Inc. 568.4K
4 Capital One Financial Corporation 22.1K
5 LexisNexis 9.3K
6 Synchrony Financial 9.2K
7 Citibank, N.a. 9.1K
8 JPMorgan Chase & Co. 9.0K
9 Wells Fargo & Company 7.9K
10 Bank of America, National Association 7.9K
11 Bread Financial Holdings, Inc. 6.7K
12 Discover Bank 5.7K
13 Portfolio Recovery Associates, LLC 4.2K
14 Ally Financial Inc. 4.2K
15 American Express Company 3.9K
16 TD Bank Us Holding Company 3.7K
17 Resurgent Capital Services L.P. 3.7K
18 Santander Consumer USA Holdings Inc. 3.6K
19 Fidelity National Information Services, Inc. (FNIS) 3.3K
20 Corelogic Inc 3.1K
21 Navient Solutions, LLC. 3.0K
22 Navy Federal Credit Union 2.9K
23 Encore Capital Group Inc. 2.9K
24 Nelnet, Inc. 2.8K
25 Barclays Bank Delaware 2.7K
26 CBC Companies, Inc. 2.6K
27 ID Analytics, Inc. 2.6K
28 U.S. Bancorp 2.5K
29 Aes/Pheaa 2.2K
30 General Motors Financial Company, Inc. 2.1K
31 Credit Acceptance Corporation 2.0K
32 I.C. System, Inc. 1.9K
33 Early Warning Services, LLC 1.8K
34 Erc 1.7K
35 Truist Financial Corporation 1.7K
36 OneMain Finance Corporation 1.6K
37 Exeter Finance, LLC. 1.6K
38 CCS Financial Services, Inc. 1.5K
39 Westlake Services, LLC 1.4K
40 Self Financial Inc. 1.4K
41 Toyota Motor Credit Corporation 1.4K
42 United Services Automobile Association 1.3K
43 CL Holdings LLC 1.3K
44 Credit Karma, LLC 1.3K
45 Convergent Resources, Inc. 1.3K
46 Innovis 1.3K
47 National Credit Systems,Inc. 1.2K
48 Hyundai Capital America 1.2K
49 Santander Holdings USA, Inc. 1.2K
50 Affirm Holdings, Inc 1.1K

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for Credit reporting, credit repair services, or other personal consumer reports

2,163,771 consumer complaints have been filed with the CFPB under the "Credit reporting, credit repair services, or other personal consumer reports" product category, naming 3,113 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system, the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within Credit reporting, credit repair services, or other personal consumer reports, the single most common underlying consumer complaint is "Incorrect information on your report". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief, two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share, the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around Credit reporting, credit repair services, or other personal consumer reports, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

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.