CFPB Consumer Complaint Profile
Pentagon Federal Credit Union
Consumers have filed 6,037 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
- 6,037
- Total complaints
- Among the highest
- 889
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 57
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Pentagon Federal Credit Union sits at #90, with 6,037 complaints logged. Its on-time response rate is 99.8%, the 79th percentile among companies with 100+ complaints.
- #90
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Credit reporting or …
- most-complained product
- 57
- 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.
Pentagon Federal Credit Union vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 845 in 2024 to 911 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 |
|---|---|
| 2011 | 5 |
| 2012 | 69 |
| 2013 | 123 |
| 2014 | 103 |
| 2015 | 115 |
| 2016 | 161 |
| 2017 | 203 |
| 2018 | 277 |
| 2019 | 280 |
| 2020 | 508 |
| 2021 | 649 |
| 2022 | 816 |
| 2023 | 778 |
| 2024 | 845 |
| 2025 | 911 |
| 2026year in progress | 194 |
Complaints by State (Top 15)
Company Responses
Pentagon Federal Credit Union Complaint Concentration Profile
Pentagon Federal Credit Union is a high-volume CFPB cohort (6,037 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 75 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, Checking or savings account) hold a 36.3% share of product-tagged complaints. The Herfindahl index on that product mix is 0.073 (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, Managing an account, Improper use of your report) cover a 49.0% 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 (California, Florida, Texas) hold a 30.1% share of state-tagged volume across 57 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 explanation" leads at a 76.1% share among the 6,037 response-tagged complaints (4,594 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 (911 complaints); the lightest year on file was 2011 (5). From 2024 to 2025, annual volume rose 7.8% (845 → 911). 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 Pentagon Federal Credit Union
Pentagon Federal Credit Union carries 6,037 complaints in the CFPB's database, 889 of them filed within the past 12 months. Consumers spanning 57 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.
CFPB-forwarded complaints against Pentagon Federal Credit Union draw a 99.8% reply rate inside the Bureau's 15-day window. 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 21.1% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 23.8%.
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 Pentagon Federal Credit Union have?
The CFPB has logged 6,037 complaints against Pentagon Federal Credit Union to date, of which 889 came in over the last 12 months.
Does Pentagon Federal Credit Union respond to complaints on time?
Pentagon Federal Credit Union has a 99.8% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Pentagon Federal Credit Union?
Among all products tied to Pentagon Federal Credit Union, "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 Pentagon Federal Credit Union?
Consumers most often cite "Incorrect information on your report" when complaining about Pentagon Federal Credit Union; the full issue list with counts is above.
How do I file a complaint against Pentagon Federal Credit Union?
You can file a complaint against Pentagon Federal Credit Union 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 Pentagon Federal Credit Union?
The CFPB has recorded complaints against Pentagon Federal Credit Union from 57 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pentagon Federal Credit Union: 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 (6,037 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.1% 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.