CFPB Consumer Complaint Profile
CarMax, Inc.
Consumers have filed 3,457 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 3,457
- Total complaints
- Among the highest
- 1,013
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 50
- States affected
The verdict
3,457 CFPB complaints put CarMax, Inc. at #139 out of 3,843 financial companies ranked by complaint volume. It posts a 99.7% on-time response rate, the 76th percentile among companies with 100+ complaints.
- #139
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Credit reporting or …
- most-complained product
- 50
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
CarMax, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 637 in 2024 to 1,027 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 28 |
| 2015 | 33 |
| 2016 | 33 |
| 2017 | 57 |
| 2018 | 74 |
| 2019 | 83 |
| 2020 | 141 |
| 2021 | 279 |
| 2022 | 384 |
| 2023 | 469 |
| 2024 | 637 |
| 2025 | 1,027 |
| 2026year in progress | 208 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CarMax, Inc.
The CFPB Consumer Complaint Database has logged 3,457 complaints against CarMax, Inc. overall, with 1,013 of those filed in the trailing 12 months. Reports have come from consumers in 50 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CarMax, Inc.'s timely response rate stands at 99.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 12.6% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 2.3% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CarMax, Inc. have?
The CFPB has logged 3,457 complaints against CarMax, Inc. to date, of which 1,013 came in over the last 12 months.
Does CarMax, Inc. respond to complaints on time?
CarMax, Inc.'s CFPB timely-response rate is 99.7%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for CarMax, Inc.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against CarMax, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with CarMax, Inc.?
The most common issue reported by consumers about CarMax, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against CarMax, Inc.?
You can file a complaint against CarMax, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CarMax, Inc.?
CarMax, Inc. has drawn CFPB complaints from 50 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for CarMax, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (3,457 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (12.6% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.