CFPB Consumer Complaint Profile
Equifax, Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 3,700,780
- Total complaints
- Among the highest
- 1,759,022
- Last 12 months
- 100%
- Timely response
- Top decile
- 62
- States affected
The verdict
Equifax, Inc. ranks #1 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 86th percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Equifax, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 752,722 in 2024 to 1,680,530 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 622 |
| 2013 | 4,776 |
| 2014 | 9,963 |
| 2015 | 12,003 |
| 2016 | 15,973 |
| 2017 | 30,726 |
| 2018 | 30,057 |
| 2019 | 40,918 |
| 2020 | 78,385 |
| 2021 | 148,533 |
| 2022 | 184,668 |
| 2023 | 329,181 |
| 2024 | 752,722 |
| 2025 | 1,680,530 |
| 2026year in progress | 381,723 |
Complaints by State (Top 15)
Company Responses
Equifax, Inc. Complaint Concentration Profile
Equifax, Inc.'s complaint volume is large enough to measure concentration - not just the headline totals. Across 91 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Credit reporting, credit repair services, or other personal consumer reports, Credit reporting) hold a 97.7% share of product-tagged complaints. The Herfindahl index on that product mix is 0.638 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Improper use of your report, Problem with a company's investigation into an existing problem) cover a 90.6% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, Texas, California) hold a 38.4% share of state-tagged volume across 62 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with non-monetary relief" leads at a 50.4% share among the 3,700,779 response-tagged complaints (1,865,819 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (1,680,530 complaints); the lightest year on file was 2012 (622). From 2024 to 2025, annual volume rose 123.3% (752,722 → 1,680,530). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Equifax, Inc.
In the CFPB record, Equifax, Inc. has a nationwide complaint footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Equifax, 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.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20.8% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Equifax, Inc. have?
3,700,780 complaints have been filed against Equifax, Inc. with the CFPB overall - 1,759,022 of them in the past year.
Does Equifax, Inc. respond to complaints on time?
Equifax, Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Equifax, Inc.?
Among all products tied to Equifax, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Equifax, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Equifax, Inc.; the full issue list with counts is above.
How do I file a complaint against Equifax, Inc.?
You can file a complaint against Equifax, 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 Equifax, Inc.?
Consumers in 62 states and territories have filed complaints about Equifax, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.