Higher-rate state profile

New Jersey: high per-capita complaints

New Jersey residents filed 459,998 CFPB complaints (4951.1/100K) - a higher-third per-capita rate. See which companies and products drive the volume.

Data updated 2026-08-14

459,998
Total complaints
4951.1
Per 100K residents
Credit reporting or other personal consumer reports
Top product
Equifax, Inc.
Most complaints

The verdict

New Jersey residents have filed 459,998 CFPB complaints - 4951.1 per 100,000 people, one of the highest complaint rates in the country (#12 of 52). Equifax, Inc. draws the most complaints in the state. Nearest per-capita peers: Illinois and Pennsylvania.

#12
of 52 states by complaints per 100K
4951
complaints per 100,000 residents
Credit reporting o…
most-complained product

New Jersey vs all states by CFPB complaints per 100K

Where this state's per-capita complaint rate sits among every state and territory in the CFPB file (lower is better for residents)

4,951 Higher than most lower rate than 21% of 52 states

States and territories, banded by CFPB complaints per 100,000 residents

Each bar is a band; taller bars hold more states. 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 CFPB Consumer Complaint Database · 2026-08-14

Most-complained companies in New Jersey

Absolute complaint volume for companies residents name most, a different cut from the per-capita state band above.

Equifax, Inc.117,246Transunion Intermediate Hold…116,278Experian Information Solutio…107,317Wells Fargo & Company7,353Bank of America, National As…7,200JPMorgan Chase & Co.6,665Capital One Financial Corpor…6,278Citibank, N.a.5,370

Top Companies in New Jersey

Nearest per-capita peers: Illinois; Pennsylvania; North Carolina.

1.Equifax, Inc. 117,246 Also complaint-heavy in Georgia and Louisiana. 2.Transunion Intermediate Holdings, Inc. 116,278 Also complaint-heavy in Rhode Island and West Virginia. 3.Experian Information Solutions Inc. 107,317 Also complaint-heavy in Virginia and Missouri. 4.Wells Fargo & Company 7,353 Also complaint-heavy in Utah and Nebraska. 5.Bank of America, National Association 7,200 Also complaint-heavy in Montana and Florida. 6.JPMorgan Chase & Co. 6,665 Also complaint-heavy in Georgia and North Carolina. 7.Capital One Financial Corporation 6,278 Also complaint-heavy in Rhode Island and Maine. 8.Citibank, N.a. 5,370 Also complaint-heavy in Connecticut and South Carolina. 9.TD Bank Us Holding Company 3,718 Also complaint-heavy in Mississippi and Nebraska. 10.Synchrony Financial 2,781 Also complaint-heavy in South Dakota and New York. 11.American Express Company 2,349 Also complaint-heavy in North Dakota and Illinois. 12.PNC Bank N.A. 2,254 Also complaint-heavy in Maine and Pennsylvania. 13.Resurgent Capital Services L.P. 2,039 Also complaint-heavy in North Carolina and Alabama. 14.Discover Bank 1,862 Also complaint-heavy in California and North Carolina. 15.Ocwen Financial Corporation 1,812 Also complaint-heavy in Louisiana and New Hampshire.

Rising year-over-year volume

New Jersey in the higher-rate third

Consumers in New Jersey have filed 459,998 CFPB complaints (4951.1 per 100,000 residents) - a higher-third per-capita rate among states and territories in this extract. "Credit reporting or other personal consumer reports" leads the product mix - the usual friction point when per-capita volume runs hot. Equifax, Inc. draws the most complaints from New Jersey residents in the top-companies table above. On the per-capita ladder, nearest peers are Illinois and Pennsylvania.

Year-over-year, complaint volume from New Jersey rose from 101,134 in 2024 to 166,977 in 2025 - a change of +65%. 40,196 complaints have been logged for 2026 so far in this extract, a partial year that should not be compared directly to a full prior year. A swing this large on an already high-rate state can coincide with a servicing failure at a major bureau or a local enforcement wave - still check the company table before inferring a statewide crisis.

Educational data summary, not financial or legal advice. Population figures are U.S. Census Bureau estimates.

Source: CFPB Consumer Complaint Database Population: U.S. Census Bureau estimates

Read our methodology - high per-capita states: how rates and company concentration are computed.

Compare all-state rankings, browse every state profile, or see the national complaint picture.