Credit Company Rankings

Companies ranked by CFPB consumer complaint data. Rankings based on companies with 100+ complaints.

Timely response vs. relief granted

Among the 25 highest-complaint companies, timely response and granting relief are decoupled -- almost every company responds on time (CFPB compliance rule), but whether the complaint actually gets resolved with relief varies wildly and independently of company size. 2×2 strategic matrix plotting 25 entities by Timely response rate (X) and Closed with relief rate (Y), with a crosshair dividing the plot into four quadrants. Responsive & helpfulSlow but helpfulResponds on time, rarely helpsSlow and unhelpful 85%90%95%100%105% 0%20%40%60%80% Timely response rate Closed with relief rate Transunion Intermediate Holdings, Inc.
Among the 25 highest-complaint companies, timely response and granting relief are decoupled -- almost every company responds on time (CFPB compliance rule), but whether the complaint actually gets resolved with relief varies wildly and independently of company size.

Crosshair marks the national average among all companies with 50+ complaints (90% timely response, 7% closed with relief, n=1,854).

Read the chart as a table (25 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)

Most Complaints (All Time)

# Company Total
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
11 Resurgent Capital Services L.P. 59,871
12 Encore Capital Group Inc. 55,551
13 Portfolio Recovery Associates, LLC 54,759
14 American Express Company 53,944
15 CBC Companies, Inc. 53,399
16 LexisNexis 47,321
17 U.S. Bancorp 46,313
18 Navy Federal Credit Union 44,325
19 Discover Bank 44,204
20 Navient Solutions, LLC. 43,468
21 Bread Financial Holdings, Inc. 43,446
22 CL Holdings LLC 37,643
23 Ocwen Financial Corporation 37,127
24 Paypal Holdings, Inc 35,402
25 TD Bank Us Holding Company 34,362

Most Complaints (Last 12 Months)

# Company Last 12 Months
1 Transunion Intermediate Holdings, Inc. 1,768,188
2 Equifax, Inc. 1,759,022
3 Experian Information Solutions Inc. 1,480,444
4 CBC Companies, Inc. 34,615
5 Capital One Financial Corporation 28,712
6 JPMorgan Chase & Co. 23,946
7 Resurgent Capital Services L.P. 23,192
8 LexisNexis 22,533
9 Wells Fargo & Company 19,933
10 Citibank, N.a. 19,901
11 Bank of America, National Association 19,726
12 Encore Capital Group Inc. 19,059
13 CL Holdings LLC 18,934
14 Portfolio Recovery Associates, LLC 17,579
15 Block, Inc. 14,943
16 Synchrony Financial 14,395
17 American Express Company 10,403
18 Navy Federal Credit Union 9,727
19 Chime Financial Inc 9,537
20 Bread Financial Holdings, Inc. 9,492
21 CCS Financial Services, Inc. 9,466
22 Mohela 9,185
23 Paypal Holdings, Inc 8,456
24 Discover Bank 7,936
25 Nelnet, Inc. 7,093

Highest Dispute Rates

Companies where consumers most frequently disputed the company response.

Small sample marks a company with fewer than 200 complaints; this ranking admits companies from 100. On so few complaints a single one moves the dispute rate by 0.5 to 1 point, and the extreme end of the ranking fills with them: 18.7% of the 321 companies with 100 to 199 complaints have a dispute rate of 30% or more, against 8.0% of the 771 with 200 or more (Q1 2026 data). Small gaps in rank between neighbouring rows may not be meaningful. 0 in last 12 mo marks a company with no complaints in the last 12 months, so its dispute rate describes earlier years only.

# Company Dispute Rate
1 Contemporary Information Corp 100%
2 Kingston Data & Credit International Inc. 100%
3 Scottrade BankSmall sample: Small sample: this rate rests on 195 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. 74.2%
4 Mutual Management Services LLCSmall sample: Small sample: this rate rests on 163 complaints (fewer than 200). 70%
5 Climb Credit Inc. 66.7%
6 Express Collections, Inc.Small sample: Small sample: this rate rests on 151 complaints (fewer than 200). 62.5%
7 Auto Now Financial Services, Inc., Phoenix, AZ BranchSmall sample: Small sample: this rate rests on 136 complaints (fewer than 200). 60%
8 Equity Loans LLCSmall sample: Small sample: this rate rests on 105 complaints (fewer than 200). 60%
9 Better Mortgage, Inc. 50%
10 Advantage Credit, Inc. 50%
11 Tenaglia & Hunt, PA 50%
12 Green & Sons Agency, Inc.Small sample: Small sample: this rate rests on 169 complaints (fewer than 200). 50%
13 Paramount Capital Group, Inc.Small sample: Small sample: this rate rests on 127 complaints (fewer than 200). 50%
14 TSC Accounts Receivable SolutionsSmall sample: Small sample: this rate rests on 118 complaints (fewer than 200). 50%
15 Smith Debnam Narron Drake Saintsing & Myers LLPSmall sample: Small sample: this rate rests on 113 complaints (fewer than 200). 50%
16 Augusta Collection Agency, Inc.Small sample: Small sample: this rate rests on 106 complaints (fewer than 200). 50%
17 Hayt Hayt & Landau, P.L. (FL)Small sample: Small sample: this rate rests on 190 complaints (fewer than 200). 48.1%
18 Automotive Credit Corporation 47.4%
19 Rent Recovery Solutions 46.9%
20 Knight Adjustment Bureau 46.9%
21 United Resource Systems, IncSmall sample: Small sample: this rate rests on 160 complaints (fewer than 200). 46.3%
22 Mr. Cooper Group Inc. 46.2%
23 CrossCheck, Inc. 45.5%
24 Kohn Law Firm S.C. 45.5%
25 Southern Management Systems Inc. 44.2%

Best Timely Response Rates

Companies with the highest rate of timely responses to consumer complaints.

0 in last 12 mo marks a company with no complaints in the last 12 months, so its timely-response rate describes earlier years only.

# Company Timely Rate
1 Equifax, Inc. 100%
2 Transunion Intermediate Holdings, Inc. 100%
3 Experian Information Solutions Inc. 100%
4 Resurgent Capital Services L.P. 100%
5 CBC Companies, Inc. 100%
6 Navy Federal Credit Union 100%
7 Discover Bank 100%
8 Navient Solutions, LLC. 100%
9 Bread Financial Holdings, Inc. 100%
10 CL Holdings LLC 100%
11 TD Bank Us Holding Company 100%
12 Early Warning Services, LLC 100%
13 Ally Financial Inc. 100%
14 Barclays Bank Delaware 100%
15 Citizens Financial Group, Inc. 100%
16 OneMain Finance Corporation 100%
17 Maximus Federal Services, Inc. 100%
18 Toyota Motor Credit Corporation 100%
19 Radius Global Solutions LLC 100%
20 Cavalry Investments, LLC 100%
21 Kikoff Inc. 100%
22 Bbva Financial Corporation 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. 100%
23 Afni Inc. 100%
24 Flagstar Bank, N.A. 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. 100%
25 The CBE Group, Inc. 100%

Source: CFPB Consumer Complaint Database

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