Trends & Records
Patterns that only show up when you look across companies and time, instead of one company at a time: which companies resolve complaints fastest, which day of the week CFPB receives the most complaints, and head-to-head comparisons between natural rivals. See How it works for methodology.
Responsiveness records this week
Companies with at least 10 complaints this week (a company with only a handful of complaints can swing from 0% to 100% on one case, which isn't a meaningful record). Reused from the exact same figures shown on each company's own page — no separate calculation.
Most timely responses
Least timely responses
Highest public-response rate
Most monetary-relief resolutions
Head-to-head
Fixed pairs of natural competitors, compared on this week's numbers — see How it works for the spike-ratio methodology behind every figure below.
WELLS FARGO & COMPANY recorded 400 complaints this week, compared with an 8-week baseline average of 408.9 per week. This puts this week at 1.0x its own 8-week baseline, with Checking or savings account as its top complaint product this week. CITIBANK, N.A. recorded 391 complaints this week, compared with an 8-week baseline average of 454.6 per week. This puts this week at 0.9x its own 8-week baseline, with Credit card as its top complaint product this week. Of the two, WELLS FARGO & COMPANY had both the higher raw complaint volume this week and the bigger spike versus its own baseline this week.
This week, TRANSUNION INTERMEDIATE HOLDINGS, INC. recorded 56748 complaints, compared with 41883 complaints for EQUIFAX, INC. TRANSUNION INTERMEDIATE HOLDINGS, INC.'s 8-week baseline average is 49869.2 complaints per week, while EQUIFAX, INC.'s 8-week baseline average is 41280.9 complaints per week. Against its own baseline, TRANSUNION INTERMEDIATE HOLDINGS, INC. is at 1.1x its own 8-week baseline this week, while EQUIFAX, INC. is at 1.0x its own 8-week baseline. That gives TRANSUNION INTERMEDIATE HOLDINGS, INC. the higher raw complaint volume this week and the bigger spike versus its own baseline. The top complaint product this week for both TRANSUNION INTERMEDIATE HOLDINGS, INC. and EQUIFAX, INC. is Credit reporting or other personal consumer reports.
NAVY FEDERAL CREDIT UNION recorded 192 complaints this week, compared with an 8-week baseline average per week of 183.5, or 1.0x its own 8-week baseline. Its top complaint product this week was Checking or savings account. PENTAGON FEDERAL CREDIT UNION recorded 20 complaints this week, compared with an 8-week baseline average per week of 15.5, or 1.3x its own 8-week baseline. Its top complaint product this week was Credit card. In head-to-head terms, NAVY FEDERAL CREDIT UNION had the higher raw complaint volume this week, while PENTAGON FEDERAL CREDIT UNION had the bigger spike vs. its own baseline this week.
Chime Financial Inc recorded 193 complaints this week, compared with an 8-week baseline average of 253.0 per week. This week represents 0.8x its own 8-week baseline, with the top complaint product this week being Checking or savings account. Block, Inc. recorded 309 complaints this week, compared with an 8-week baseline average of 326.3 per week. This week represents 0.9x its own 8-week baseline, with the top complaint product this week being Money transfer, virtual currency, or money service. Of the two, Block, Inc. had both the higher raw complaint volume this week and the bigger spike versus its own baseline this week.
State rivalries
Texas recorded 25763 consumer complaints this week, compared with an 8-week baseline average of 24707.4 per week, or 1.0x its own baseline. Florida recorded 22423 complaints this week, compared with an 8-week baseline average of 21427.8 per week, or 1.0x its own baseline. Texas had the higher raw complaint volume this week. The top non-credit-bureau company this week was LEXISNEXIS in both Texas and Florida. These figures are raw complaint counts and are not rates normalized by population or banking activity.
I’ll verify the numeric and prose guardrails in the build script before drafting the comparison.Found the guardrail definitions. Now I’ll read the implementations to ensure the comparison complies.Texas recorded 25763 complaints this week, compared with an 8-week baseline average per week of 24707.4, or 1.0x its own 8-week baseline. California recorded 14118 complaints this week, compared with an 8-week baseline average per week of 13530.9, or 1.0x its own 8-week baseline. Texas had the higher raw complaint volume this week. The top non-credit-bureau company this week was LEXISNEXIS in Texas and BANK OF AMERICA, NATIONAL ASSOCIATION in California. These figures are raw complaint counts, not rates normalized by population or banking activity, and do not show that either state's banking system or consumers are worse.
California recorded 14118 consumer complaints this week, compared with 7717 in New York, giving California the higher raw complaint volume this week. California's 8-week baseline average per week was 13530.9, while New York's was 7442.6. This week was 1.0x its own 8-week baseline for California and 1.0x its own 8-week baseline for New York. The top non-credit-bureau company this week was BANK OF AMERICA, NATIONAL ASSOCIATION in California and JPMORGAN CHASE & CO. in New York. These figures are raw complaint counts, not rates normalized by population or banking activity.
This week by category
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Banks
This week, the Banks category recorded 3355 complaints across the 14 companies tracked. AMERICAN EXPRESS COMPANY had the highest spike ratio at 1.2x its own baseline, while the average spike ratio across the 13 banks with a computable baseline was 0.9x.
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Credit unions
This week, the 5 tracked companies in the Credit unions category accounted for 225 complaints. PENTAGON FEDERAL CREDIT UNION had the highest spike ratio at 1.3x its own baseline, while the average spike ratio across the 4 credit unions with a computable baseline was 1.1x.
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Fintechs
This week, the 8 tracked companies in the Fintechs category recorded 1554 complaints in total. Fidelity National Information Services, Inc. (FNIS) had the highest spike ratio at 1.0x its own baseline, while the average spike ratio across the 8 fintechs with a computable baseline was 0.9x.
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Credit bureaus
The Credit bureaus category includes 3 tracked companies and recorded 142334 complaints this week. TRANSUNION INTERMEDIATE HOLDINGS, INC. had the highest spike ratio at 1.1x its own baseline, and the average spike ratio across the 3 credit bureaus with a computable baseline was 1.1x.
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Loan servicers
This week, the 4 tracked loan servicers received 289 complaints in total. Ocwen Financial Corporation had the highest spike ratio in the category at 1.0x its own baseline, while the average spike ratio across the 4 loan servicers with a computable baseline was 0.9x.
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Consumer-report resellers
This week, the 5 tracked companies in the Consumer-report resellers category received 1033 complaints in total. CORELOGIC INC had the highest spike ratio at 1.2x its own baseline, while the average spike ratio across the 4 consumer-report resellers with a computable baseline was 1.1x.
When complaints get filed
Site-wide complaint volume by day of the CFPB's own "date received" field, across all 17.6M complaints in the bulk database (not just this site's roster) — see How it works. This may reflect CFPB's own processing schedule as much as when a consumer actually filed; that hasn't been independently confirmed either way.
Wall of text & shortest complaints
Average narrative length (characters) per company, roster companies only.
Longest average narratives
Shortest average narratives
Common complaint language, industry-wide
The most common narrative terms across a broad sample of the full CFPB database — what people complain about regardless of which company they're complaining to.
- credit 69.35%
- report 55.07%
- reporting 38.43%
- accounts 31.84%
- consumer 27.14%
- act 23.05%
- inaccurate 22.86%
- fair 21.95%
- please 21.78%
- reported 18.21%
- fcra 17.56%
- dispute 17.46%
- following 16.85%
- payment 16.7%
- will 16.34%
- file 15.86%
- items 15.4%
- due 15.4%
- identity 15.2%
- agency 14.57%
- debt 14.45%
- removed 14.14%
- written 14.05%
- name 14.01%
- remove 13.86%
Rising complaint language
Terms appearing more often in recent narratives (2026-04-01 to 2026-06-30, 55,350 narratives) than in an earlier baseline period (2025-10-02 to 2026-03-31, 263,093 narratives). A keyword-frequency signal, not a finding about any specific event.
| Term | |||
|---|---|---|---|
| flatly | 0.23% | 0.01% | 17.25x |
| summarily | 0.22% | 0.02% | 14.62x |
| frontline | 0.24% | 0.02% | 10.38x |
| waypoint | 0.11% | 0.01% | 8.79x |
| backend | 0.31% | 0.04% | 8.66x |
| concurrent | 0.11% | 0.01% | 8.32x |
| execute | 0.53% | 0.07% | 8.01x |
| migration | 0.12% | 0.02% | 7.41x |
| rigid | 0.12% | 0.02% | 7.19x |
| executing | 0.2% | 0.03% | 7.19x |
| infrastructure | 0.22% | 0.03% | 7.1x |
| bypassed | 0.21% | 0.03% | 6.89x |
| utilizing | 0.33% | 0.05% | 6.81x |
| unfulfilled | 0.11% | 0.02% | 6.79x |
| humbly | 0.09% | 0.01% | 6.79x |
| computed | 0.08% | 0.01% | 6.68x |
| strip | 0.09% | 0.01% | 6.65x |
| draining | 0.21% | 0.03% | 6.62x |
| bypass | 0.5% | 0.08% | 6.45x |
| sol | 0.08% | 0.01% | 6.39x |
Filing-pattern, verbosity, and term-frequency figures above are from a local bulk-database pull run 2026-09-08, separate from this week's live build — see How it works.