Higher-rate state profile

North Carolina: high per-capita complaints

North Carolina residents filed 478,763 CFPB complaints (4418.5/100K) - a higher-third per-capita rate. See which companies and products drive the volume.

Data updated 2026-08-14

478,763
Total complaints
4418.5
Per 100K residents
Credit reporting or other personal consumer reports
Top product
Equifax, Inc.
Most complaints

The verdict

North Carolina residents have filed 478,763 CFPB complaints - 4418.5 per 100,000 people, one of the highest complaint rates in the country (#15 of 52). Equifax, Inc. draws the most complaints in the state. Nearest per-capita peers: Pennsylvania and New York.

#15
of 52 states by complaints per 100K
4419
complaints per 100,000 residents
Credit reporting o…
most-complained product

North Carolina 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)

4,419 Around the middle lower rate than 27% 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 North Carolina

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

Equifax, Inc.131,351Transunion Intermediate Hold…124,479Experian Information Solutio…111,854Wells Fargo & Company6,059Bank of America, National As…4,958Capital One Financial Corpor…4,573Citibank, N.a.3,210JPMorgan Chase & Co.3,017

Top Companies in North Carolina

Nearest per-capita peers: Pennsylvania; New York; Illinois.

1.Equifax, Inc. 131,351 Also complaint-heavy in Montana and Georgia. 2.Transunion Intermediate Holdings, Inc. 124,479 Also complaint-heavy in Puerto Rico and Rhode Island. 3.Experian Information Solutions Inc. 111,854 Also complaint-heavy in New Jersey and Virginia. 4.Wells Fargo & Company 6,059 Also complaint-heavy in Oregon and Utah. 5.Bank of America, National Association 4,958 Also complaint-heavy in Maine and Montana. 6.Capital One Financial Corporation 4,573 Also complaint-heavy in Kentucky and Rhode Island. 7.Citibank, N.a. 3,210 Also complaint-heavy in Maryland and Connecticut. 8.JPMorgan Chase & Co. 3,017 Also complaint-heavy in North Dakota and New Jersey. 9.Block, Inc. 2,937 Also complaint-heavy in Wisconsin and Massachusetts. 10.Synchrony Financial 2,779 Also complaint-heavy in Idaho and South Dakota. 11.CBC Companies, Inc. 2,594 Also complaint-heavy in Arkansas and Oklahoma. 12.Navy Federal Credit Union 2,234 Also complaint-heavy in Michigan and District of Columbia. 13.Resurgent Capital Services L.P. 1,843 Also complaint-heavy in Texas and New Jersey. 14.Truist Financial Corporation 1,728 Also complaint-heavy in Vermont and California. 15.Bread Financial Holdings, Inc. 1,584 Also complaint-heavy in Georgia and Michigan.

Rising year-over-year volume

North Carolina in the higher-rate third

Consumers in North Carolina have filed 478,763 CFPB complaints (4418.5 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 North Carolina residents in the top-companies table above. On the per-capita ladder, nearest peers are Pennsylvania and New York.

Year-over-year, complaint volume from North Carolina rose from 85,607 in 2024 to 196,051 in 2025 - a change of +129%. 49,527 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.