Stacked area
Consumer Complaints: Credit Reports vs Everything Else
Complaints received by the CFPB each month
Plays the chart through its history. Pauses are where the data set a record or moved most.
CFPB Consumer Complaint Database, complaints by month received. Not a statistical sample of consumers’ experiences; the newest months keep rising for a few weeks as complaints are published.
Complaints about credit reports, many filed in bulk through credit-repair services, have swamped every other kind since 2022. The rest of the stack is a cleaner read of trouble with debts, cards and accounts.
What this chart reads
- CFPB Complaints: Credit Reporting (Monthly)as “Credit reports”latest 2026-09-01
- CFPB Consumer Complaints Excluding Credit Reporting (Monthly)as “Every other product”latest 2026-09-01
Sources
CFPB Complaints: Credit Reporting (Monthly). Source: Consumer Financial Protection Bureau, Consumer Complaint Database (consumerfinance.gov/data-research/consumer-complaints), read through its public search API. CFPB: "All complaint data we publish is freely available for anyone to use, analyze, and build on"; the API metadata states the licence as CC0. Refreshed daily, which rewrites the latest six months.
CFPB Consumer Complaints Excluding Credit Reporting (Monthly). Source: Consumer Financial Protection Bureau, Consumer Complaint Database (consumerfinance.gov/data-research/consumer-complaints), read through its public search API. CFPB: "All complaint data we publish is freely available for anyone to use, analyze, and build on"; the API metadata states the licence as CC0. Refreshed daily, which rewrites the latest six months.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.