Consumer finance
What Americans complain to their financial regulator about
Every complaint published in the CFPB Consumer Complaint Database, aggregated from the Bureau's full bulk export: 17,006,331 complaints from December 2011 through July 2026. The series carries two regimes: a mortgage-heavy first decade after the 2011 launch, then a credit-reporting explosion that put 88.4% of 2025 complaints in the credit-reporting product family. Complaints are consumer submissions the Bureau routed to companies, not verified wrongdoing; the Bureau's own caveats are quoted below.
Data as of July 2026 (CFPB bulk export, refreshed daily by the Bureau; the newest month is partial)
Complaint volume by product family, December 2011 to June 2026
Monthly published complaints, grouped into six product families across the complaint form's label changes (exact mapping in the methodology). The composition inverted over the collection's life: in 2012, the first full year, mortgage complaints were 52.7% of the total (the foreclosure-era servicing wave) and credit reporting 2.6%; in 2025 mortgage was 0.5% and credit reporting 88.4%. Total annual volume grew 75.2x, from 72,368 complaints in 2012 to 5,443,384 in 2025. Complaint counts reflect submission behavior and market size as much as conduct: the Bureau's caveats above apply to every line on this chart.
Source: CFPB Consumer Complaint Database (bulk CSV export) Counts by month of Date received. The newest calendar month is dropped as partial (the bulk file refreshes daily). Product families group the form's relabeled products; see the mapping table in the methodology. Methodology
Complaints per 100,000 residents, 2025
Complaints received in 2025 per 100,000 residents, for the 50 states and DC. The 51-jurisdiction rate is 1,582 per 100,000; Georgia leads at 3,778 and South Dakota is lowest at 173. Population is the Census Bureau's annual resident population estimate for 2025, taken from FRED's {ST}POP series. The CFPB's own guidance applies: "When looking at complaint volume for a state or ZIP code, consider the population in that geography," which is exactly what this table does, and nothing more.
| # | State | Complaints | Population | Per 100k |
|---|---|---|---|---|
| 1 | Georgia GA | 426,965 | 11,302,748 | 3,778 |
| 2 | Mississippi MS | 101,439 | 2,954,160 | 3,434 |
| 3 | Florida FL | 791,280 | 23,462,518 | 3,373 |
| 4 | Louisiana LA | 129,686 | 4,618,189 | 2,808 |
| 5 | Alabama AL | 144,887 | 5,193,088 | 2,790 |
| 6 | Texas TX | 789,969 | 31,709,821 | 2,491 |
| 7 | District of Columbia DC | 17,159 | 693,645 | 2,474 |
| 8 | South Carolina SC | 126,136 | 5,570,274 | 2,264 |
| 9 | Delaware DE | 23,669 | 1,059,952 | 2,233 |
| 10 | Maryland MD | 132,860 | 6,265,347 | 2,121 |
| 11 | Nevada NV | 69,218 | 3,282,188 | 2,109 |
| 12 | Illinois IL | 237,676 | 12,719,141 | 1,869 |
Top 12 of 51 shown, ranked by per-capita rate. Records from territories, military post codes, and blank-state rows (36,230 complaints in 2025) are excluded here: FRED carries no {ST}POP population series for them. They remain in every national figure on this page.
Source: CFPB Consumer Complaint Database (bulk CSV export) | US Census Bureau resident population estimates, via FRED ({ST}POP) Numerator: complaints by State field and year of Date received. Denominator: Census annual resident population estimates via FRED, same year. Methodology
Respondent concentration: the credit-bureau share
The share of ALL published complaints drawn by each year's three most-complained-about respondents. In 2012 the top three (BANK OF AMERICA, NATIONAL ASSOCIATION, WELLS FARGO & COMPANY, JPMORGAN CHASE & CO.) drew 45.2% of complaints; in 2025 the top three (EQUIFAX, INC., TRANSUNION INTERMEDIATE HOLDINGS, INC., Experian Information Solutions Inc.) drew 85.8%. The CFPB's own framing belongs next to this chart: complaint volume tracks company size and market share, and the three national credit bureaus sit in essentially every American consumer's file, whether or not that consumer ever chose them.
| # | Respondent, 2025 | Complaints | Share of all |
|---|---|---|---|
| 1 | EQUIFAX, INC. | 1,680,538 | 30.9% |
| 2 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,601,925 | 29.4% |
| 3 | Experian Information Solutions Inc. | 1,388,831 | 25.5% |
| 4 | Block, Inc. | 48,091 | 0.9% |
| 5 | CAPITAL ONE FINANCIAL CORPORATION | 34,106 | 0.6% |
| 6 | CBC Companies, Inc. | 30,769 | 0.6% |
| 7 | Early Warning Services, LLC | 24,509 | 0.5% |
| 8 | JPMORGAN CHASE & CO. | 24,459 | 0.4% |
| 9 | Resurgent Capital Services L.P. | 23,742 | 0.4% |
| 10 | CITIBANK, N.A. | 19,792 | 0.4% |
Source: CFPB Consumer Complaint Database (bulk CSV export) Company names are the public respondents named in the database. A complaint against a company is not verified wrongdoing by that company; the Bureau publishes complaints it routed for response, and volume correlates with customer base. Methodology
How companies responded, 2025
Company response categories as recorded in the database for complaints received in 2025. A "timely" response reached the consumer within the 15 days the CFPB allows; 99.5% of 2025 complaints got one. Response categories are the company's characterization of its own answer, recorded by the Bureau; "closed with explanation" makes no finding either way.
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 3,194,532 | 58.7% |
| Closed with non-monetary relief | 2,212,231 | 40.6% |
| Closed with monetary relief | 26,122 | 0.5% |
| Untimely response | 9,872 | 0.2% |
| None recorded | 332 | 0.0% |
| In progress | 295 | 0.0% |
Source: CFPB Consumer Complaint Database (bulk CSV export) Categories verbatim from the 'Company response to consumer' field; shares of all complaints received that year. Methodology
Complements the HMDA mortgage module: HMDA counts the loans made, this page counts the grievances filed. See the full methodology for the bulk-export pipeline, the dedupe rule, the product-family mapping, the per-capita denominator, and the CFPB’s publication criteria in full.