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.
BANK OF AMERICA, NATIONAL ASSOCIATION recorded 440 complaints this week, compared with an 8-week baseline average of 462.3 per week, or 1.0x its own 8-week baseline. JPMORGAN CHASE & CO. recorded 431 complaints this week, compared with an 8-week baseline average of 488.3 per week, or 0.9x its own 8-week baseline. BANK OF AMERICA, NATIONAL ASSOCIATION had the higher raw complaint volume this week. BANK OF AMERICA, NATIONAL ASSOCIATION also had the bigger spike vs. its own baseline this week. Checking or savings account was the top complaint product this week for both BANK OF AMERICA, NATIONAL ASSOCIATION and JPMORGAN CHASE & CO.
TRANSUNION INTERMEDIATE HOLDINGS, INC. recorded 58732 complaints this week, compared with an 8-week baseline average of 49744.5 per week. This puts this week at 1.2x its own 8-week baseline. EQUIFAX, INC. recorded 43276 complaints this week, compared with an 8-week baseline average of 41043.1 per week, or 1.1x its own 8-week baseline. TRANSUNION INTERMEDIATE HOLDINGS, INC. had higher raw complaint volume this week, and also the bigger spike vs. its own baseline. The top complaint product this week for both companies was Credit reporting or other personal consumer reports.
NAVY FEDERAL CREDIT UNION recorded 212 complaints this week, compared with an 8-week baseline average of 179.7 per week. This puts this week at 1.2x its own 8-week baseline. PENTAGON FEDERAL CREDIT UNION recorded 12 complaints this week, compared with an 8-week baseline average of 16.0 per week. This puts this week at 0.8x its own 8-week baseline. NAVY FEDERAL CREDIT UNION had higher raw complaint volume this week and the bigger spike vs. its own baseline, while both companies' top complaint product this week was Checking or savings account.
Chime Financial Inc recorded 248 complaints this week, compared with an 8-week baseline average of 254.1 per week. Chime Financial Inc was at 1.0x its own 8-week baseline, and its top complaint product this week was Checking or savings account. Block, Inc. recorded 317 complaints this week, compared with an 8-week baseline average of 321.2 per week. Block, Inc. was at 1.0x its own 8-week baseline, and its top complaint product this week was Money transfer, virtual currency, or money service. Between the two, Block, Inc. had the higher raw complaint volume this week and the bigger spike vs. its own baseline this week.
WELLS FARGO & COMPANY recorded 422 complaints this week, compared with an 8-week baseline average of 409.7 per week. That 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 337 complaints this week, compared with an 8-week baseline average of 455.3 per week. That puts this week at 0.7x its own 8-week baseline, with Credit card as its top complaint product this week. WELLS FARGO & COMPANY had the higher raw complaint volume this week and the bigger spike vs. its own baseline this week.
State rivalries
Texas recorded 26380 complaints this week, compared with an 8-week baseline average of 24571.1 per week, or 1.1x its own 8-week baseline. Florida recorded 24046 complaints this week, compared with an 8-week baseline average of 21319.3 per week, or 1.1x 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 both Texas and Florida. These figures are raw complaint counts, not rates normalized by population or banking activity.
Texas recorded 26380 complaints this week, compared with an 8-week baseline average of 24571.1 per week, or 1.1x its own 8-week baseline. California recorded 14540 complaints this week, compared with an 8-week baseline average of 13469.0 per week, or 1.1x its own 8-week baseline. Texas had higher raw complaint volume this week. These figures are raw complaint counts, not rates normalized by population or banking activity. The top non-credit-bureau company this week was LEXISNEXIS in Texas and BANK OF AMERICA, NATIONAL ASSOCIATION in California.
California recorded 14540 complaints this week, compared with 8025 in New York, giving California the higher raw complaint volume this week. New York's total sits at 1.1x its own 8-week baseline average of 7406.3 per week. California's total sits at 1.1x its own 8-week baseline average of 13469.0 per week. The top non-credit-bureau company this week was JPMORGAN CHASE & CO. in New York 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 indicate that one state's banking system or consumers are worse.
This week by category
-
Banks
The Banks category tracked 14 companies this week, with 3096 total complaints recorded across the category. WELLS FARGO & COMPANY had the highest spike ratio at 1.0x its own baseline, while the average spike ratio across the 13 banks with a computable baseline was 0.8x.
-
Credit unions
The Credit unions category includes 5 tracked companies, with 233 total complaints recorded this week. NAVY FEDERAL CREDIT UNION had the highest spike ratio at 1.2x its own baseline, while the average spike ratio across the 5 credit unions with a computable baseline was 0.7x.
-
Fintechs
This week, the 8 tracked companies in the Fintechs category recorded a total of 1606 CFPB complaints. Fidelity National Information Services, Inc. (FNIS) had the highest spike ratio at 1.2x its own baseline, while the average spike ratio across the 8 fintechs with a computable baseline was 1.0x.
-
Credit bureaus
This week, the 3 tracked companies in the Credit bureaus category recorded 147775 CFPB complaints. TRANSUNION INTERMEDIATE HOLDINGS, INC. had the highest spike ratio at 1.2x its own baseline, while the average spike ratio across the 3 credit bureaus with a computable baseline was 1.1x.
-
Debt collectors
This week, the 7 tracked companies in the Debt collectors category recorded 1665 complaints in total. Portfolio Recovery Associates, LLC had the highest spike ratio at 1.1x its own baseline, while the average spike ratio across the 7 debt collectors with a computable baseline this week was 0.9x.
-
Loan servicers
This week, the 4 tracked loan servicers recorded 291 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.
-
Consumer-report resellers
The Consumer-report resellers category includes 5 tracked companies, with 854 total complaints this week across the category. CORELOGIC INC had the highest spike ratio this week at 1.4x 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.