CFPB complaints about debt collection, credit reporting and debt management, by state and month

Version 1.0.0. CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). DOI https://doi.org/10.5281/zenodo.23733731

Credit line (CC BY 4.0 asks for credit and a link):
Source: Probative, CFPB complaints about debt collection, credit reporting and debt management, by state and month, version 1.0.0, https://doi.org/10.5281/zenodo.23733731, licensed CC BY 4.0.

Suggested citation:
Probative. (2026). CFPB complaints about debt collection, credit reporting and debt management, by state and month (Version 1.0.0) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.23733731

Not legal advice. These are counts of complaints consumers filed with the CFPB, kept for marketing planning. A complaint is a report, not a finding that anyone broke a law, and no company name, narrative or ZIP code is published. Debt-collection and credit-reporting rules are for your own counsel.
Probative is a marketing firm, not a law firm; not legal advice.

Human page: https://probativegrowth.com/research/consumer-finance-complaints-by-state/

Columns:
  id: Stable record id (never reused)
  jurisdiction: Two-letter state code, DC, US (federal), ABA, or PLATFORM:<name>
  jurisdictionName: Jurisdiction name
  measure: debt-collection, credit-reporting (credit reporting and credit repair, all product names the CFPB has used since 2018) or debt-management (debt or credit management)
  status: P primary source, S secondary source
  value: Complaints received in the last 12 complete months
  unit: Unit of value
  per100k: Complaints per 100,000 residents (Census Vintage 2025 estimate for July 1, 2025); empty for territories the Census file does not cover
  population: 
  previous12: Complaints received in the 12 months before that
  yoyPct: Change from the previous 12 months, in percent
  timelyPct: Share of the complaints the company answered within the CFPB's time limit, in percent
  reliefPct: Share of the complaints closed with monetary or non-monetary relief, in percent
  topIssue: The issue consumers chose most often in the last 12 months (the CFPB's own wording)
  topIssueSharePct: That issue's share of the complaints, in percent
  text: The record in one plain-English sentence
  effectiveFrom: When the fact took effect (YYYY-MM-DD), if known
  lastChecked: The day it was last confirmed (YYYY-MM-DD)
  note: Caveats
  sourceLabels: Sources, separated by " | "
  sourceUrls: Source URLs, in the same order
  confidence: high, medium or low: computed from status, a second check, age against the refresh cadence and sampling error (rule: /data/#confidence)
  confidenceBasis: The reasons for the confidence level, in a short phrase