Banks with the Most CFPB Complaints in 2025

Every complaint submitted to the Consumer Financial Protection Bureau (CFPB) against a bank, credit card issuer, or credit union ends up in a public database. We pulled 2025 filings — those with a date_received between January 1 and December 31, 2025 — and ranked institutions by volume.

One important caveat: credit bureaus dominate

Before the bank rankings, it's worth noting that the three major credit reporting agencies account for the largest share of all CFPB complaints by a wide margin. In 2025, TransUnion received 4,174 complaints, Equifax 3,700, and Experian 3,410. These are not banks, but their complaint volumes dwarf even the largest traditional lenders. This reflects the large number of consumers disputing inaccurate credit report entries — a process the CFPB facilitates through its complaint database.

Top 10 banks and credit unions by 2025 CFPB complaint volume

Rank	Institution	2025 Complaints
1	Citibank, N.A.	236
2	Bank of America	169
3	Bread Financial Holdings	160
4	Wells Fargo & Company	158
5	Capital One	146
6	JPMorgan Chase & Co.	146
7	Synchrony Financial	143
8	American Express	87
9	U.S. Bancorp	68
10	Navy Federal Credit Union(Credit Union)	98

What do these numbers actually mean?

Complaint volume should be read alongside institution size. Citibank's 236 complaints look very different against the backdrop of tens of millions of credit card accounts. Relative rates — complaints per billion dollars of assets, or per million customers — give a more useful picture of consumer experience than raw counts alone.

Bank Scorer shows complaints per $1B in assets in the peer comparison section of every bank profile, benchmarked against similar-sized institutions in the same asset tier. That context matters: a small community bank with 10 complaints may have a far worse complaint rate than JPMorgan with 146.

What categories generate the most complaints?

Across all institutions, the most common complaint categories in 2025 were credit card billing disputes, checking account management, mortgage servicing, and debt collection practices. Credit bureau complaints tend to cluster around "incorrect information on your report" — a category that rarely applies to traditional banks.

How the CFPB handles complaints

When a consumer files a complaint through consumerfinance.gov, the CFPB forwards it to the company for a response. Companies typically have 15 days to respond and 60 days to resolve. The CFPB publishes both the complaint narrative (if the consumer consents) and the company's response classification — categories like "Closed with explanation," "Closed with monetary relief," or "Closed with non-monetary relief."

A high rate of "Closed with explanation" responses — without relief — can signal a company that disputes complaints rather than resolving them. Bank Scorer shows the response classification for each complaint in institution profiles.

How to look up any bank's complaint history

Every bank and credit union profile on Bank Scorer includes a full complaint history pulled from the CFPB database, with the 10 most recent complaints visible and a link to the full record on consumerfinance.gov.