Consumer Credit Intelligence
The complete CFPB complaint record for every major U.S. bank, lender, credit bureau and debt collector, searchable, ranked, and put in plain language.
Analyzes 14,088,398 credit complaints joined with Fed APR trends & FDIC bank finances for company rankings, state maps & collector profiles.
Search 3,843 companies. Explore 14,088,398 consumer complaints. Track credit card interest rate trends.
What the complaint record shows
The three nationwide credit bureaus, Equifax, TransUnion and Experian, account for 76% of all 14,088,398 CFPB complaints in this dataset, more than every bank, card issuer and debt collector combined.
- 76%
- of complaints name Equifax, TransUnion or Experian
- 79%
- are about credit-reporting accuracy, not lending
- 3,843
- companies with traceable complaint records
- 20.94%
- average credit-card APR, 2026-05-01 (Fed G.19)
Figures derived from the CFPB Consumer Complaint Database (all-time totals, companies with ≥10 complaints) joined with the Federal Reserve G.19 release. Complaints are consumer-submitted and unverified by the CFPB, so counts are not a finding of wrongdoing, and larger institutions naturally accumulate more complaints simply because they serve more customers.
Tier impact bands for revolving balance versus available credit. Reference: myFICO + Experian + Equifax credit-education guidance.
Approximate FICO point impact by tier: Ideal +0 to +10 · Healthy ~0 to -10 · Moderate -10 to -30 · High -30 to -50 · Very high -50 to -70 · Maxed -70 to -100+. Ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Use the utilization impact estimator to plug in your own balance and limit.
According to the Consumer Financial Protection Bureau, PlainCredit compiles 3,843 company complaint records drawn from 14,088,398 CFPB complaints, last refreshed in May 2026; see our methodology for the full source list.
Most Complained-About Companies
View all rankings →Complaint volume, top 10 companies
CFPB complaint volume by year, nationwide
72,242 complaints in 2012 to 5,440,468 in 2025, roughly 75.3x. The current in-progress year is excluded to avoid showing a partial-year total as a decline.
Timely response vs. relief granted, top companies
Crosshair marks the national average among all companies with 50+ complaints (90% timely response, 7% closed with relief, n=1,854). Transunion Intermediate Holdings, Inc. responds on time 100% of the time and grants relief in 64% of closed complaints -- among the highest relief rates of any company on this board.
Read the chart as a table (30 companies)
- Equifax, Inc.: 100% timely response, 50% closed with relief (3,700,780 complaints)
- Transunion Intermediate Holdings, Inc.: 100% timely response, 64% closed with relief (3,672,638 complaints)
- Experian Information Solutions Inc.: 100% timely response, 12% closed with relief (3,264,523 complaints)
- Bank of America, National Association: 98% timely response, 31% closed with relief (174,185 complaints)
- Wells Fargo & Company: 98% timely response, 20% closed with relief (163,363 complaints)
- JPMorgan Chase & Co.: 100% timely response, 20% closed with relief (162,385 complaints)
- Capital One Financial Corporation: 100% timely response, 21% closed with relief (153,609 complaints)
- Citibank, N.a.: 100% timely response, 37% closed with relief (129,421 complaints)
- Synchrony Financial: 100% timely response, 32% closed with relief (75,659 complaints)
- Block, Inc.: 99% timely response, 0% closed with relief (63,003 complaints)
- Resurgent Capital Services L.P.: 100% timely response, 21% closed with relief (59,871 complaints)
- Encore Capital Group Inc.: 100% timely response, 39% closed with relief (55,551 complaints)
- Portfolio Recovery Associates, LLC: 99% timely response, 36% closed with relief (54,759 complaints)
- American Express Company: 100% timely response, 30% closed with relief (53,944 complaints)
- CBC Companies, Inc.: 100% timely response, 59% closed with relief (53,399 complaints)
- LexisNexis: 99% timely response, 25% closed with relief (47,321 complaints)
- U.S. Bancorp: 100% timely response, 34% closed with relief (46,313 complaints)
- Navy Federal Credit Union: 100% timely response, 18% closed with relief (44,325 complaints)
- Discover Bank: 100% timely response, 29% closed with relief (44,204 complaints)
- Navient Solutions, LLC.: 100% timely response, 6% closed with relief (43,468 complaints)
- Bread Financial Holdings, Inc.: 100% timely response, 44% closed with relief (43,446 complaints)
- CL Holdings LLC: 100% timely response, 5% closed with relief (37,643 complaints)
- Ocwen Financial Corporation: 99% timely response, 5% closed with relief (37,127 complaints)
- Paypal Holdings, Inc: 100% timely response, 33% closed with relief (35,402 complaints)
- TD Bank Us Holding Company: 100% timely response, 35% closed with relief (34,362 complaints)
- Early Warning Services, LLC: 100% timely response, 0% closed with relief (33,809 complaints)
- PNC Bank N.A.: 100% timely response, 13% closed with relief (30,538 complaints)
- Ally Financial Inc.: 100% timely response, 12% closed with relief (27,467 complaints)
- Barclays Bank Delaware: 100% timely response, 16% closed with relief (26,015 complaints)
- Mohela: 73% timely response, 5% closed with relief (24,734 complaints)
| # | Company | Total Complaints |
|---|---|---|
| 1 | Equifax, Inc. | 3,700,780 |
| 2 | Transunion Intermediate Holdings, Inc. | 3,672,638 |
| 3 | Experian Information Solutions Inc. | 3,264,523 |
| 4 | Bank of America, National Association | 174,185 |
| 5 | Wells Fargo & Company | 163,363 |
| 6 | JPMorgan Chase & Co. | 162,385 |
| 7 | Capital One Financial Corporation | 153,609 |
| 8 | Citibank, N.a. | 129,421 |
| 9 | Synchrony Financial | 75,659 |
| 10 | Block, Inc. | 63,003 |
Highest Complaint Rates by State
All states →Complaints by Product
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Frequently Asked Questions
What is PlainCredit?
PlainCredit is a free tool that makes CFPB consumer complaint data accessible. Search financial companies, compare complaint rates, and track credit card interest trends -- all from official government sources.
Where does the data come from?
All complaint data comes from the Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database. Credit card interest rates come from the Federal Reserve G.19 statistical release via FRED.
Is this free to use?
Yes. PlainCredit is completely free. No accounts, no paywalls. Supported by ads.
Related Guides
Editorial context for the plaincredit dataset, methodology, comparisons, and deep dives into the underlying records.
About this data
How PlainCredit works, and why you can trust these numbers
What this site is
PlainCredit makes CFPB consumer complaint data and Federal Reserve credit card interest rate trends accessible. Search financial companies to see their complaint history and compare rates, all from official government sources.
Editorial process
- Source. Pull consumer complaint records from the CFPB Consumer Complaint Database, and credit card interest rate trends from the Federal Reserve's G.19 statistical release.
- Verify. Each complaint keeps its CFPB-assigned company and product fields intact, and each rate figure keeps its Federal Reserve release date, so every number traces back to its official source.
- Publish. Compile per-company complaint pages and rate trend guides, refreshed as the CFPB and Federal Reserve release new data.
Editorial independence & corrections
The PlainCredit editorial process is independent and accepts no payment, sponsorship, or promoted placement from any financial company. Found an error or a stale record? File a correction via the contact page; we review corrections and publish updates with a visible revision note. See our methodology for full source attribution and refresh cadence.
Frequently asked
What is PlainCredit?
PlainCredit is a free tool that makes CFPB consumer complaint data accessible. Search financial companies, compare complaint rates, and track credit card interest trends -- all from official government sources.
Where does the data come from?
All complaint data comes from the Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database. Credit card interest rates come from the Federal Reserve G.19 statistical release via FRED.
Is this free to use?
Yes. PlainCredit is completely free. No accounts, no paywalls. Supported by ads.