{
 "generated": "2026-08-20",
 "source": "CFPB Consumer Complaint Database (public API)",
 "source_url": "https://www.consumerfinance.gov/data-research/consumer-complaints/",
 "product_names": [
  "Credit reporting or other personal consumer reports",
  "Credit reporting, credit repair services, or other personal consumer reports"
 ],
 "note": "Complaint counts are complaints the CFPB sent to companies for response; the CFPB does not verify the facts alleged in a complaint. Counts change slightly as complaints are processed.",
 "years": [
  {
   "year": 2019,
   "all": 277240,
   "credit_reporting": 138556,
   "share_pct": 50.0,
   "through": "2019-12-31"
  },
  {
   "year": 2020,
   "all": 444213,
   "credit_reporting": 283715,
   "share_pct": 63.9,
   "through": "2020-12-31"
  },
  {
   "year": 2021,
   "all": 495939,
   "credit_reporting": 307538,
   "share_pct": 62.0,
   "through": "2021-12-31"
  },
  {
   "year": 2022,
   "all": 800245,
   "credit_reporting": 604181,
   "share_pct": 75.5,
   "through": "2022-12-31"
  },
  {
   "year": 2023,
   "all": 1292049,
   "credit_reporting": 1046869,
   "share_pct": 81.0,
   "through": "2023-12-31"
  },
  {
   "year": 2024,
   "all": 2734269,
   "credit_reporting": 2365586,
   "share_pct": 86.5,
   "through": "2024-12-31"
  },
  {
   "year": 2025,
   "all": 5442974,
   "credit_reporting": 4810303,
   "share_pct": 88.4,
   "through": "2025-12-31"
  },
  {
   "year": 2026,
   "all": 4530327,
   "credit_reporting": 4118338,
   "share_pct": 90.9,
   "through": "2026-08-20"
  }
 ],
 "latest_full_year": 2025,
 "year_detail": {
  "from": "2025-01-01",
  "to": "2025-12-31",
  "total": 4810303,
  "issues": [
   {
    "issue": "Incorrect information on your report",
    "count": 2815219,
    "share_pct": 58.5,
    "sub_issues": [
     {
      "sub_issue": "Information belongs to someone else",
      "count": 1923762
     },
     {
      "sub_issue": "Account information incorrect",
      "count": 475474
     },
     {
      "sub_issue": "Account status incorrect",
      "count": 251583
     },
     {
      "sub_issue": "Personal information incorrect",
      "count": 103564
     }
    ]
   },
   {
    "issue": "Improper use of your report",
    "count": 1098877,
    "share_pct": 22.8,
    "sub_issues": [
     {
      "sub_issue": "Reporting company used your report improperly",
      "count": 847142
     },
     {
      "sub_issue": "Credit inquiries on your report that you don't recognize",
      "count": 246454
     },
     {
      "sub_issue": "Report provided to employer without your written authorization",
      "count": 4371
     },
     {
      "sub_issue": "Received unsolicited financial product or insurance offers after opting out",
      "count": 910
     }
    ]
   },
   {
    "issue": "Problem with a company's investigation into an existing problem",
    "count": 855162,
    "share_pct": 17.8,
    "sub_issues": [
     {
      "sub_issue": "Their investigation did not fix an error on your report",
      "count": 501031
     },
     {
      "sub_issue": "Investigation took more than 30 days",
      "count": 289243
     },
     {
      "sub_issue": "Was not notified of investigation status or results",
      "count": 33377
     },
     {
      "sub_issue": "Difficulty submitting a dispute or getting information about a dispute over the phone",
      "count": 15872
     }
    ]
   },
   {
    "issue": "Problem with fraud alerts or security freezes",
    "count": 15069,
    "share_pct": 0.3,
    "sub_issues": []
   },
   {
    "issue": "Unable to get your credit report or credit score",
    "count": 14849,
    "share_pct": 0.3,
    "sub_issues": [
     {
      "sub_issue": "Other problem getting your report or credit score",
      "count": 12483
     },
     {
      "sub_issue": "Problem getting your free annual credit report",
      "count": 2366
     }
    ]
   },
   {
    "issue": "Credit monitoring or identity theft protection services",
    "count": 7968,
    "share_pct": 0.2,
    "sub_issues": [
     {
      "sub_issue": "Problem canceling credit monitoring or identify theft protection service",
      "count": 3276
     },
     {
      "sub_issue": "Didn't receive services that were advertised",
      "count": 2237
     },
     {
      "sub_issue": "Billing dispute for services",
      "count": 1617
     },
     {
      "sub_issue": "Problem with product or service terms changing",
      "count": 629
     }
    ]
   }
  ],
  "bureaus": [
   {
    "company": "Equifax",
    "count": 1644975,
    "share_pct": 34.2
   },
   {
    "company": "TransUnion",
    "count": 1570073,
    "share_pct": 32.6
   },
   {
    "company": "Experian",
    "count": 1361887,
    "share_pct": 28.3
   }
  ],
  "others": 233368,
  "others_share_pct": 4.9,
  "states": [
   {
    "state": "FL",
    "name": "Florida",
    "count": 727144,
    "share_pct": 15.1
   },
   {
    "state": "TX",
    "name": "Texas",
    "count": 698572,
    "share_pct": 14.5
   },
   {
    "state": "CA",
    "name": "California",
    "count": 440281,
    "share_pct": 9.2
   },
   {
    "state": "GA",
    "name": "Georgia",
    "count": 383474,
    "share_pct": 8.0
   },
   {
    "state": "NY",
    "name": "New York",
    "count": 266090,
    "share_pct": 5.5
   },
   {
    "state": "IL",
    "name": "Illinois",
    "count": 210125,
    "share_pct": 4.4
   },
   {
    "state": "NC",
    "name": "North Carolina",
    "count": 173313,
    "share_pct": 3.6
   },
   {
    "state": "PA",
    "name": "Pennsylvania",
    "count": 167073,
    "share_pct": 3.5
   },
   {
    "state": "NJ",
    "name": "New Jersey",
    "count": 149302,
    "share_pct": 3.1
   },
   {
    "state": "AL",
    "name": "Alabama",
    "count": 133984,
    "share_pct": 2.8
   }
  ],
  "company_response": [
   {
    "response": "Closed with explanation",
    "count": 2694356,
    "share_pct": 56.0
   },
   {
    "response": "Closed with non-monetary relief",
    "count": 2112287,
    "share_pct": 43.9
   },
   {
    "response": "Untimely response",
    "count": 2674,
    "share_pct": 0.1
   },
   {
    "response": "Closed with monetary relief",
    "count": 921,
    "share_pct": 0.0
   },
   {
    "response": "In progress",
    "count": 65,
    "share_pct": 0.0
   }
  ],
  "timely_pct": 99.9,
  "submitted_via": [
   {
    "via": "Web",
    "count": 4799077
   },
   {
    "via": "Phone",
    "count": 5553
   },
   {
    "via": "Postal mail",
    "count": 3820
   },
   {
    "via": "Referral",
    "count": 1853
   }
  ],
  "with_narrative": 912757
 },
 "ytd": {
  "from": "2026-01-01",
  "to": "2026-08-20",
  "total": 4118338,
  "issues": [
   {
    "issue": "Incorrect information on your report",
    "count": 2441106,
    "share_pct": 59.3,
    "sub_issues": [
     {
      "sub_issue": "Information belongs to someone else",
      "count": 1561859
     },
     {
      "sub_issue": "Account information incorrect",
      "count": 509611
     },
     {
      "sub_issue": "Account status incorrect",
      "count": 214168
     },
     {
      "sub_issue": "Personal information incorrect",
      "count": 91367
     }
    ]
   },
   {
    "issue": "Improper use of your report",
    "count": 861456,
    "share_pct": 20.9,
    "sub_issues": [
     {
      "sub_issue": "Reporting company used your report improperly",
      "count": 726138
     },
     {
      "sub_issue": "Credit inquiries on your report that you don't recognize",
      "count": 133092
     },
     {
      "sub_issue": "Received unsolicited financial product or insurance offers after opting out",
      "count": 1546
     },
     {
      "sub_issue": "Report provided to employer without your written authorization",
      "count": 680
     }
    ]
   },
   {
    "issue": "Problem with a company's investigation into an existing problem",
    "count": 781789,
    "share_pct": 19.0,
    "sub_issues": [
     {
      "sub_issue": "Investigation took more than 30 days",
      "count": 375006
     },
     {
      "sub_issue": "Their investigation did not fix an error on your report",
      "count": 362926
     },
     {
      "sub_issue": "Was not notified of investigation status or results",
      "count": 23749
     },
     {
      "sub_issue": "Difficulty submitting a dispute or getting information about a dispute over the phone",
      "count": 10110
     }
    ]
   },
   {
    "issue": "Problem with fraud alerts or security freezes",
    "count": 13883,
    "share_pct": 0.3,
    "sub_issues": []
   },
   {
    "issue": "Unable to get your credit report or credit score",
    "count": 11541,
    "share_pct": 0.3,
    "sub_issues": [
     {
      "sub_issue": "Other problem getting your report or credit score",
      "count": 10189
     },
     {
      "sub_issue": "Problem getting your free annual credit report",
      "count": 1352
     }
    ]
   },
   {
    "issue": "Credit monitoring or identity theft protection services",
    "count": 4458,
    "share_pct": 0.1,
    "sub_issues": [
     {
      "sub_issue": "Didn't receive services that were advertised",
      "count": 1712
     },
     {
      "sub_issue": "Problem canceling credit monitoring or identify theft protection service",
      "count": 1676
     },
     {
      "sub_issue": "Billing dispute for services",
      "count": 741
     },
     {
      "sub_issue": "Problem with product or service terms changing",
      "count": 235
     }
    ]
   }
  ],
  "bureaus": [
   {
    "company": "TransUnion",
    "count": 1512302,
    "share_pct": 36.7
   },
   {
    "company": "Experian",
    "count": 1225987,
    "share_pct": 29.8
   },
   {
    "company": "Equifax",
    "count": 1224542,
    "share_pct": 29.7
   }
  ],
  "others": 155507,
  "others_share_pct": 3.8,
  "states": [
   {
    "state": "TX",
    "name": "Texas",
    "count": 683587,
    "share_pct": 16.6
   },
   {
    "state": "FL",
    "name": "Florida",
    "count": 597380,
    "share_pct": 14.5
   },
   {
    "state": "CA",
    "name": "California",
    "count": 369780,
    "share_pct": 9.0
   },
   {
    "state": "GA",
    "name": "Georgia",
    "count": 307003,
    "share_pct": 7.5
   },
   {
    "state": "NY",
    "name": "New York",
    "count": 207764,
    "share_pct": 5.0
   },
   {
    "state": "IL",
    "name": "Illinois",
    "count": 177269,
    "share_pct": 4.3
   },
   {
    "state": "NC",
    "name": "North Carolina",
    "count": 146039,
    "share_pct": 3.5
   },
   {
    "state": "PA",
    "name": "Pennsylvania",
    "count": 135434,
    "share_pct": 3.3
   },
   {
    "state": "AL",
    "name": "Alabama",
    "count": 124796,
    "share_pct": 3.0
   },
   {
    "state": "NJ",
    "name": "New Jersey",
    "count": 117730,
    "share_pct": 2.9
   }
  ],
  "company_response": [
   {
    "response": "Closed with explanation",
    "count": 2484724,
    "share_pct": 60.3
   },
   {
    "response": "Closed with non-monetary relief",
    "count": 1055479,
    "share_pct": 25.6
   },
   {
    "response": "In progress",
    "count": 574903,
    "share_pct": 14.0
   },
   {
    "response": "Untimely response",
    "count": 2696,
    "share_pct": 0.1
   },
   {
    "response": "Closed with monetary relief",
    "count": 536,
    "share_pct": 0.0
   }
  ],
  "timely_pct": 99.9,
  "submitted_via": [
   {
    "via": "Web",
    "count": 4113315
   },
   {
    "via": "Phone",
    "count": 2628
   },
   {
    "via": "Referral",
    "count": 1306
   },
   {
    "via": "Postal mail",
    "count": 1089
   }
  ],
  "with_narrative": 4479
 }
}