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Consumer complaints
Complaints that consumers send to the Consumer Financial Protection Bureau about banks, card issuers, lenders, servicers and credit bureaus, counted by listed company: the latest three months against the same three months a year earlier.
Complaints are unverified and grow with a company's customer count; compare trends, not totals.
Most complaints, Credit reporting or other personal consumer reports
Jul–Sep 2026 against Jul–Sep 2025; complaints received through 2026-11-11. Complaints in the latest three complete months, most first.
| # | Against the same three months a year earlier. Shown when that window had at least 50 complaints. | Share of complaints answered within the CFPB's deadline. | Share of closed complaints that ended with monetary or non-monetary relief. | |||
|---|---|---|---|---|---|---|
| 1 | TRU TransUnion | 637,867 | 434,249 | +46.9% | 100% | 41% |
| 2 | EFX Equifax | 560,258 | 463,257 | +20.9% | 100% | 33% |
| 3 | RELX RELX | 10,120 | 5,654 | +79.0% | 100% | 23% |
| 4 | COF Capital One | 2,497 | 3,714 | -32.8% | 100% | 14% |
| 5 | FIS Fidelity National Information Services | 1,907 | 1,554 | +22.7% | 100% | 0% |
| 6 | JPM JPMorgan Chase | 1,051 | 1,174 | -10.5% | 100% | 19% |
| 7 | BAC Bank of America | 1,019 | 1,062 | -4.0% | 100% | 12% |
| 8 | C Citigroup | 973 | 1,188 | -18.1% | 100% | 43% |
| 9 | ECPG Encore Capital Group | 776 | 833 | -6.8% | 100% | 10% |
| 10 | WFC Wells Fargo | 731 | 941 | -22.3% | 100% | 19% |
| 11 | PRAA PRA Group | 731 | 935 | -21.8% | 100% | 61% |
| 12 | BFH Bread Financial | 684 | 924 | -26.0% | 100% | 28% |
| 13 | SYF Synchrony | 683 | 1,021 | -33.1% | 97% | 13% |
| 14 | AXP American Express | 660 | 726 | -9.1% | 100% | 15% |
| 15 | AFRM Affirm | 610 | 594 | +2.7% | 100% | 0% |
| 16 | Santander Holdings USA | 448 | 632 | -29.1% | 100% | 51% |
| 17 | NNI Nelnet | 435 | 665 | -34.6% | 100% | 0% |
| 18 | ALLY Ally Financial | 403 | 674 | -40.2% | 100% | 1% |
| 19 | BCS Barclays (foreign parent) | 359 | 464 | -22.6% | 100% | 1% |
| 20 | TD Toronto-Dominion Bank (foreign parent) | 351 | 466 | -24.7% | 100% | 17% |
| 21 | CACC Credit Acceptance | 285 | 435 | -34.5% | 100% | 0% |
| 22 | TFC Truist | 283 | 384 | -26.3% | 100% | 3% |
| 23 | GS Goldman Sachs | 264 | 421 | -37.3% | 100% | 32% |
| 24 | USB U.S. Bancorp | 211 | 234 | -9.8% | 100% | 52% |
| 25 | CHYM Chime | 150 | 99 | +51.5% | 100% | 4% |
| 26 | UPST Upstart | 146 | 128 | +14.1% | 100% | 0% |
| 27 | FA First Advantage | 139 | 105 | +32.4% | 78% | 0% |
| 28 | KMX CarMax | 111 | 176 | -36.9% | 100% | 0% |
| 29 | WRLD World Acceptance | 105 | 135 | -22.2% | 100% | 5% |
| 30 | PNC PNC Financial Services | 87 | 111 | -21.6% | 100% | 3% |
| 31 | ENVA Enova International | 86 | 93 | -7.5% | 100% | 0% |
| 32 | RITM Rithm Capital | 82 | 91 | -9.9% | 61% | 0% |
| 33 | OPRT Oportun | 69 | 62 | +11.3% | 100% | 0% |
| 34 | MTB M&T Bank | 61 | 54 | +13.0% | 100% | 2% |
| 35 | PNFP Pinnacle Financial Partners | 61 | 1 | — | 98% | 34% |
| 36 | CFG Citizens Financial Group | 50 | 63 | -20.6% | 100% | 0% |
| 37 | SEZL Sezzle | 48 | 54 | -11.1% | 100% | 0% |
| 38 | SOFI SoFi Technologies | 47 | 53 | -11.3% | 100% | 2% |
| 39 | SLM SLM | 45 | 77 | -41.6% | 100% | 9% |
| 40 | RF Regions Financial | 40 | 44 | — | 100% | 6% |
| 41 | ONIT Onity Group | 24 | 30 | — | 100% | 8% |
| 42 | RM Regional Management | 23 | 35 | — | 100% | 0% |
| 43 | HOOD Robinhood Markets | 19 | 9 | — | 95% | 0% |
| 44 | NAVI Navient | 19 | 40 | — | 100% | 0% |
| 45 | KEY KeyCorp | 18 | 16 | — | 100% | 17% |
| 46 | XYZ Block | 16 | 32 | — | 100% | 0% |
| 47 | PYPL PayPal | 16 | 14 | — | 100% | 6% |
| 48 | CVNA Carvana | 13 | 26 | — | 100% | 0% |
| 49 | WU Western Union | 6 | 2 | — | 100% | 0% |
| 50 | AX Axos Financial | 5 | 2 | — | 100% | 0% |
The 50 most complaints among listed companies, latest window. Longer history, every company and every product are in the Premium connector and API.
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Each listed company's own page has its 24-month trend, products and issues, and About this data says where the numbers come from and when they were last updated. For consumer lenders, Lender stress shows complaints next to card charge-offs and bank delinquencies.