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Accountability
Companies on the public record: consumer complaints filed with the Consumer Financial Protection Bureau, and environmental enforcement cases brought by the EPA, with the penalties they ended in. Complaints read Oct 20, 2026; EPA cases read Oct 20, 2026.
- Consumer complaints to the CFPB since 2011
- 18,513,583
- Complaints in 2026 so far
- 5,831,222
- Answered by the company within 15 days
- 99.4%
- EPA civil enforcement cases
- 137,026
- Federal penalties in those cases
- $16.4B
The most complained-about companies
Complaints since December 2011. The three national credit bureaus account for 79% of all complaints, mostly about errors on credit reports.
A complaint is a consumer's account of a problem. The CFPB sends it to the company and publishes it once the company responds or 15 days pass; it does not check whether the complaint is true. Big companies with many customers get more complaints, so counts are not a measure of how well a company treats people.
| # | Company | Complaints | 2025 | 2026 so far | Answered on time | Closed with money back | Years |
|---|---|---|---|---|---|---|---|
| 1 | TransUnion Intermediate Holdings, Inc.Credit reporting or other personal consumer reports | 5,127,924 | 1,601,849 | 1,930,353 | 100.0% | 0.01% | 2012 to 2026 |
| 2 | Equifax, Inc.Credit reporting or other personal consumer reports | 4,923,349 | 1,680,537 | 1,604,291 | 100.0% | 0.00% | 2012 to 2026 |
| 3 | Experian Information Solutions Inc.Credit reporting or other personal consumer reports | 4,507,619 | 1,388,821 | 1,619,451 | 100.0% | 0.03% | 2012 to 2026 |
| 4 | Bank of America, National AssociationMortgage | 188,679 | 19,168 | 19,369 | 97.6% | 19.00% | 2011 to 2026 |
| 5 | JPMorgan Chase & Co.Checking or savings account | 178,012 | 24,458 | 20,953 | 100.0% | 10.14% | 2011 to 2026 |
| 6 | Wells Fargo & CompanyMortgage | 176,590 | 19,468 | 18,072 | 97.8% | 8.33% | 2011 to 2026 |
| 7 | Capital One Financial CorporationCredit card | 175,010 | 34,102 | 27,708 | 100.0% | 6.97% | 2011 to 2026 |
| 8 | Citibank, N.A.Credit card | 143,705 | 19,792 | 18,857 | 99.7% | 17.68% | 2011 to 2026 |
| 9 | Synchrony FinancialCredit card | 84,986 | 13,650 | 12,997 | 99.2% | 13.81% | 2011 to 2026 |
| 10 | Resurgent Capital Services L.P.Debt collection | 73,575 | 23,741 | 18,775 | 100.0% | 0.16% | 2012 to 2026 |
| 11 | Block, Inc.Money transfer, virtual currency, or money service | 72,238 | 48,091 | 12,712 | 98.6% | 0.18% | 2019 to 2026 |
| 12 | LexisNexisCredit reporting or other personal consumer reports | 70,543 | 19,477 | 29,464 | 99.1% | 0.00% | 2012 to 2026 |
| 13 | Encore Capital Group Inc.Debt collection | 69,040 | 17,404 | 18,790 | 100.0% | 0.14% | 2013 to 2026 |
| 14 | Portfolio Recovery Associates, LLCDebt collection | 67,640 | 16,206 | 17,585 | 98.9% | 0.01% | 2013 to 2026 |
| 15 | American Express CompanyCredit card | 60,888 | 10,571 | 9,249 | 99.8% | 15.11% | 2011 to 2026 |
Source: the CFPB Consumer Complaint Database, complaints since December 2011. Read Oct 20, 2026. Companies appear under the name the CFPB uses; links to company pages only where that name matches one SEC-registered company exactly.
Complaints by year
Complaints have multiplied since 2022, most of them about credit reports.
| Year | Complaints |
|---|---|
| 2011 | 2,536 |
| 2012 | 72,368 |
| 2013 | 108,214 |
| 2014 | 152,908 |
| 2015 | 168,272 |
| 2016 | 191,292 |
| 2017 | 242,745 |
| 2018 | 257,130 |
| 2019 | 277,239 |
| 2020 | 444,212 |
| 2021 | 495,940 |
| 2022 | 800,245 |
| 2023 | 1,292,048 |
| 2024 | 2,734,268 |
| 2025 | 5,442,944 |
| 2026 (so far) | 5,831,222 |
By product, all years
| Product | Complaints | Share |
|---|---|---|
| Credit reportsCFPB categories: Credit reporting; Credit reporting or other personal consumer reports; Credit reporting, credit repair services, or other personal consumer reports | 15,199,515 | 82.1% |
| Debt collection | 1,216,907 | 6.6% |
| Credit cardsCFPB categories: Credit card; Credit card or prepaid card | 558,990 | 3.0% |
| Bank accountsCFPB categories: Bank account or service; Checking or savings account | 490,494 | 2.6% |
| MortgagesCFPB categories: Mortgage | 463,792 | 2.5% |
| Money transfers and virtual currencyCFPB categories: Money transfer, virtual currency, or money service; Money transfers; Virtual currency | 200,314 | 1.1% |
| Student loansCFPB categories: Student loan | 135,112 | 0.7% |
| Payday and personal loansCFPB categories: Consumer Loan; Payday loan; Payday loan, title loan, or personal loan; Payday loan, title loan, personal loan, or advance loan | 107,575 | 0.6% |
| Vehicle loans and leasesCFPB categories: Vehicle loan or lease | 105,406 | 0.6% |
| Prepaid cardsCFPB categories: Prepaid card | 23,772 | 0.1% |
| Debt and credit managementCFPB categories: Debt or credit management | 10,650 | 0.1% |
| OtherCFPB categories: Other financial service | 1,056 | 0.0% |
Source: the CFPB Consumer Complaint Database, complaints since December 2011. Read Oct 20, 2026. Companies appear under the name the CFPB uses; links to company pages only where that name matches one SEC-registered company exactly.
The largest environmental penalties
Federal civil penalties in EPA enforcement cases, largest first, one row per settlement.
| Case | Law | Settled | Federal penalty | State and local penalty | Cost to comply |
|---|---|---|---|---|---|
| BP Exploration/Moex/Transocean Deepwater/Triton/Gulf of Mexico Oil Spill/Deepwater Horizon (NC)Judicial, TX | CWA | Apr 4, 2016 | $3.4B | $15.0M | $1.9B |
| CumminsJudicial, IN | CAA | Apr 9, 2024 | $1.5B | $197.0M | $326.0M |
| VolkswagenJudicial, MI | CAA | May 17, 2017 | $1.4B | – | $16.0B |
| Mercedes and DaimlerJudicial, NJ | CAA | Mar 9, 2021 | $743.8M | $131.2M | $436.0M |
| Hino CDJudicial, JA | CAA | May 21, 2025 | $449.7M | $82.5M | $299.0M |
| Fiat ChryslerJudicial, MI | CAA | May 3, 2019 | $262.3M | $42.7M | $185.0M |
| ToyotaJudicial, JA | CAA | Apr 2, 2021 | $180.0M | – | – |
| Ees Coke Battery - Judicial OrderJudicial, MI | CAA | Feb 24, 2026 | $100.0M | – | $235.9M |
| Hyundai Motor Company and Kia Motors CorporationJudicial, CA | CAA | Jan 9, 2015 | $93.7M | $6.3M | $264.0M |
| Palmetto RecyclingJudicial, SC | CERCLA | Mar 16, 2004 | $92.3M | – | – |
Source: the EPA's Enforcement and Compliance History Online (ECHO), federal civil and criminal enforcement cases. Read Oct 20, 2026. Penalties are what the final order assessed, in dollars of the day.
Recent penalties
The latest civil cases that ended with a federal penalty.
| Case | Law | Settled | Federal penalty | State and local penalty | Cost to comply |
|---|---|---|---|---|---|
| Midland Exteriors, Inc. TSCA 16 Action For PenaltyAdministrative - Formal, KS | TSCA | Oct 15, 2026 | $22.6K | – | $2.5K |
| Imperative Chemical Partners, Inc - Hempstead, TX-RMP ESA-FY 2026Administrative - Formal, TX | CAA | Oct 14, 2026 | $1.2K | – | – |
| Consolidated Services, Inc. TSCA 16 Action For PenaltyAdministrative - Formal, NE | TSCA | Oct 14, 2026 | $3.4K | – | $276 |
| MarineMax Lake Ozark CWA 311B6B1 AO For Class I Penalty - SPCC Expedited Settlement ProgramAdministrative - Formal, KS | CWA | Oct 13, 2026 | $3.0K | – | – |
| Hess CorporationJudicial, TX | CWA | Oct 13, 2026 | $2.1M | – | – |
| Accurate Construction and Restoration, Inc. TSCA 16 Action For PenaltyAdministrative - Formal, NE | TSCA | Oct 13, 2026 | $15.4K | – | – |
| Brazosport Water Authority-Lake Jackson, TX-RMP ESA-FY 2027Administrative - Formal, TX | CAA | Oct 8, 2026 | $2.0K | – | – |
| Adkins and Sons Inc (CAFO)Administrative - Formal, MI | TSCA | Oct 5, 2026 | $72.7K | – | – |
| Tecomet, Inc. (ESA)Administrative - Formal, MI | RCRA | Oct 1, 2026 | $12.5K | – | – |
| Classic Renovation & Design, LLCAdministrative - Formal, TN | TSCA | Sep 30, 2026 | $3.0K | – | $300 |
| Duran Construction Company LLC (s&s Pond - Vista Del Sol - Vista Del Mar Subdivision)Judicial, AK | CWA | Sep 30, 2026 | $350.0K | – | $400.0K |
| NPX One - 112r7 RMP Apo/CafoAdministrative - Formal, IN | CAA | Sep 30, 2026 | $119.2K | – | – |
Source: the EPA's Enforcement and Compliance History Online (ECHO), federal civil and criminal enforcement cases. Read Oct 20, 2026. Penalties are what the final order assessed, in dollars of the day.
Bank failures are covered in Banks. Government contracts and PPP loans are in Government money.