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CFPB credit report complaints tracker

By The No Job Lifestyle Team · Last reviewed · How we research

Credit reporting complaints to the CFPB by month, company, issue and state. Data through October 2026.

706,653credit reporting complaints in October 2026
93%of all CFPB complaints that month
+51%vs October 2025
98%named Experian, TransUnion or Equifax

Source: CFPB Consumer Complaint Database, product "Credit reporting or other personal consumer reports". Pulled November 10, 2026. Updated monthly.

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Credit Report Complaints Per Month

777k583k389k194k0Oct 25: 469,190Oct 25Nov 25: 448,082Nov 25Dec 25: 455,423Dec 25Jan 26: 478,959Jan 26Feb 26: 444,804Feb 26Mar 26: 552,103Mar 26Apr 26: 561,363Apr 26May 26: 564,827May 26Jun 26: 565,852Jun 26Jul 26: 615,347Jul 26Aug 26: 586,805Aug 26Sep 26: 609,246Sep 26Oct 26: 706,653Oct 26
Complaints by month
MonthCredit reporting complaintsAll complaintsShare
October 2026706,653757,16293%
September 2026609,246660,53092%
August 2026586,805637,67692%
July 2026615,347670,11192%
June 2026565,852620,90591%
May 2026564,827619,99491%
April 2026561,363618,31591%
March 2026552,103614,95990%
February 2026444,804497,11889%
January 2026478,959541,25788%
December 2025455,423512,46989%
November 2025448,082496,65190%
October 2025469,190519,78090%

Which Companies Get The Most Complaints

The three big credit bureaus account for 98% of credit reporting complaints. Companies had responded this way so far: in progress 55%, closed with explanation 38%, closed with non-monetary relief 7%, untimely response 0%. Many recent complaints are still in progress, so these numbers change as the CFPB publishes more.

Top companies, credit reporting complaints, October 2026
CompanyComplaintsShare
Experian255,09136.1%
TransUnion236,25033.4%
Equifax199,54928.2%
LexisNexis3,7190.5%
CBC Companies, Inc.8830.1%
Capital One Financial Corporation7300.1%
Fidelity National Information Services, Inc. (FNIS)5550.1%
Resurgent Capital Services L.P.4090.1%
Bank Of America, National Association3300.0%
Early Warning Services, LLC3250.0%
CL Holdings LLC3170.0%
Jpmorgan Chase & Co.3140.0%
Portfolio Recovery Associates, LLC2810.0%
Citibank, N.A.2790.0%
Encore Capital Group Inc.2410.0%

What People Complain About

What people complained about, October 2026
IssueComplaintsShare
Incorrect information on your report431,77861.1%
Improper use of your report140,89819.9%
Problem with a company's investigation into an existing problem129,42918.3%
Unable to get your credit report or credit score1,9870.3%
Problem with fraud alerts or security freezes1,4390.2%
Credit monitoring or identity theft protection services5850.1%
Problem with a company's investigation into an existing issue4850.1%
Identity theft protection or other monitoring services520.0%

Complaints By State, Per 100,000 Residents

Raw counts follow population, so we also show complaints per 100,000 residents using U.S. Census Bureau via FRED (series <ST>POP), 2025 estimates.

Credit reporting complaints by state, October 2026
#StateComplaintsPer 100,000 residents
1Mississippi28,773974.0
2Louisiana21,365462.6
3Georgia50,521447.0
4Florida104,582445.7
5Alabama22,768438.4
6South Carolina24,104432.7
7Texas119,320376.3
8North Carolina29,476263.2
9Illinois27,622217.2
10District of Columbia1,467211.5
11Nevada6,926211.0
12Maryland13,089208.9
13New Jersey19,917208.6
14Delaware1,956184.5
15New York32,984164.9
16Arkansas5,066162.6
17Pennsylvania20,993160.7
18California58,609148.9
19Rhode Island1,568140.7
20Tennessee10,035137.2
21Michigan13,208130.4
22Arizona9,211120.8
23Massachusetts8,457118.2
24Virginia9,795110.3
25Connecticut3,921106.3
26Missouri6,552104.5
27Ohio11,55997.1
28Wisconsin5,69295.3
29Indiana6,07087.0
30Hawaii1,19883.6
31Oklahoma2,87569.7
32Washington4,93861.7
33New Mexico1,25959.2
34Colorado3,46357.6
35Kentucky2,47053.6
36Utah1,87453.0
37Alaska31642.9
38Minnesota2,47442.4
39Nebraska85242.2
40North Dakota33742.2
41Kansas1,14838.6
42West Virginia57532.6
43New Hampshire42930.3
44Iowa95229.4
45Oregon1,23028.8
46Idaho52926.1
47Wyoming14023.8
48South Dakota21022.5
49Maine27819.6
50Montana20618.0
51Vermont7411.5

Method And Limits

We pull monthly totals and breakdowns from the public CFPB complaint API for the product "Credit reporting or other personal consumer reports". The CFPB publishes complaints after the company responds or after 15 days, does not verify every fact in a complaint, and says the data is not a statistical sample. A high count can also reflect how often people use credit repair services or file the same dispute more than once. Read the CFPB notes on using complaint data.

Use This Data

You are welcome to quote these numbers with a link to this page. Suggested citation:

The No Job Lifestyle, "CFPB Credit Report Complaints Tracker", November 10, 2026, https://thenojoblifestyle.com/cfpb-complaints/. Data: CFPB Consumer Complaint Database.

What To Do About A Credit Report Error

Dispute it with the bureau first. Our free credit dispute letter generator writes the letter, and the FTC guide to disputing errors explains your rights. More in our credit guides and the credit card APR by issuer data page.

Questions People Ask

How many credit report complaints does the CFPB get?

In October 2026 the CFPB published 706,653 complaints about credit reporting, 93% of all complaints it received that month.

Which credit bureau gets the most complaints?

In October 2026: Experian (255,091), TransUnion (236,250) and Equifax (199,549).

Which state has the most credit report complaints per person?

Mississippi had the most per resident in October 2026: 974.0 complaints per 100,000 people.

How do I file a complaint with the CFPB?

Go to consumerfinance.gov/complaint. You can also dispute errors directly with the bureau. Our free dispute letter generator helps with that.