Monthly report
Consumer complaints in January 2026: 541K, Capital One leads
From January 1, 2026 to January 31, 2026, consumers filed 541,254 complaints against 1,921 companies - +6% on the month before. Companies answered 99.5% of them on time and closed 36% with relief so far.
The companies that drew the most
| # | Company | This month | The month before | Change |
|---|---|---|---|---|
| 1 | TransUnion | 163,733 | 151,127 | +8% |
| 2 | Equifax | 152,967 | 159,139 | -4% |
| 3 | Experian | 142,312 | 128,346 | +11% |
| 4 | CBC Companies | 4,642 | 2,210 | +110% |
| 5 | Capital One | 2,987 | 2,748 | +9% |
| 6 | LexisNexis | 2,569 | 2,173 | +18% |
| 7 | JPMorgan Chase | 2,550 | 2,401 | +6% |
| 8 | Resurgent Capital Services | 2,396 | 2,472 | -3% |
| 9 | Bank of America | 2,287 | 2,086 | +10% |
| 10 | Wells Fargo | 2,251 | 2,117 | +6% |
| 11 | Citibank | 2,205 | 2,105 | +5% |
| 12 | CL Holdings | 2,178 | 1,731 | +26% |
| 13 | Encore Capital (Midland Credit) | 2,160 | 2,069 | +4% |
| 14 | Portfolio Recovery Associates | 1,872 | 1,925 | -3% |
| 15 | Synchrony | 1,713 | 1,552 | +10% |
Surging
The companies whose complaints jumped most against the month before.
- ACBC Companies4,642 (was 2,210)
- DRocket Mortgage197 (was 100)
- DV and H Portfolio170 (was 99)
- DKlarna180 (was 119)
- DNational Credit Adjusters346 (was 242)
- DI.C. System746 (was 538)
- DCredit Control270 (was 199)
- ASpring Oaks Capital573 (was 430)
- FServicer under contract with Federal Student Aid393 (was 297)
- AKriya Capital741 (was 581)
What it was about
By category
| Category | This month | Change |
|---|---|---|
| Credit reporting | 478,959 | +5% |
| Debt collection | 31,011 | +6% |
| Credit cards | 9,516 | +21% |
| Bank accounts | 7,916 | +3% |
| Mortgages | 2,999 | +13% |
| Money transfers & apps | 2,984 | +9% |
| Auto loans & leases | 2,523 | +10% |
| Student loans | 2,099 | +26% |
| Payday & personal loans | 1,688 | +14% |
| Prepaid & gift cards | 646 | +1% |
| Crypto | 494 | +18% |
| Debt relief & credit repair | 419 | +20% |
Where from
Texas (86,124), Florida (74,109), California (52,258), Georgia (40,806), New York (28,297), Illinois (23,461), North Carolina (18,944), Pennsylvania (18,002), New Jersey (15,075), Alabama (14,200).
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