CFPB Consumer Complaint Profile
State Employees Credit Union
Consumers have filed 1,760 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
- 1,760
- Total complaints
- Among the highest
- 598
- Last 12 months
- 98.3%
- Timely response
- Above median
- 26
- States affected
The verdict
1,760 CFPB complaints put State Employees Credit Union at #232 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 98.3%, the 51st percentile for the 100+ complaint peer group.
- #232
- of 3,843 companies by volume
- 98.3%
- on time (51st pctile)
- Credit reporting or …
- most-complained product
- 26
- 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.
State Employees Credit Union vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.3% Higher than most higher than 51% 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 303 in 2024 to 587 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 |
|---|---|
| 2012 | 4 |
| 2013 | 12 |
| 2014 | 17 |
| 2015 | 34 |
| 2016 | 32 |
| 2017 | 72 |
| 2018 | 49 |
| 2019 | 46 |
| 2020 | 67 |
| 2021 | 110 |
| 2022 | 124 |
| 2023 | 174 |
| 2024 | 303 |
| 2025 | 587 |
| 2026year in progress | 129 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for State Employees Credit Union
State Employees Credit Union carries 1,760 complaints in the CFPB's database, 598 of them filed within the past 12 months. Consumers spanning 26 states and territories have weighed in, giving this a multi-regional 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. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, State Employees Credit Union posts a 98.3% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 18% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 1.6% 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 State Employees Credit Union have?
State Employees Credit Union has 1,760 total consumer complaints filed with the CFPB, with 598 filed in the last 12 months.
Does State Employees Credit Union respond to complaints on time?
CFPB complaints against State Employees Credit Union draw a 98.3% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for State Employees Credit Union?
Among all products tied to State Employees 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 State Employees Credit Union?
Consumers most often cite "Incorrect information on your report" when complaining about State Employees Credit Union; the full issue list with counts is above.
How do I file a complaint against State Employees Credit Union?
You can file a complaint against State Employees 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 State Employees Credit Union?
State Employees Credit Union has drawn CFPB complaints from 26 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 State Employees 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 (1,760 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18% 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.