{"@context":{"@language":"en","@vocab":"https://schema.org/","arrayShape":"cr:arrayShape","citeAs":"cr:citeAs","column":"cr:column","conformsTo":"dct:conformsTo","containedIn":"cr:containedIn","cr":"http://mlcommons.org/croissant/","rai":"http://mlcommons.org/croissant/RAI/","data":{"@id":"cr:data","@type":"@json"},"dataType":{"@id":"cr:dataType","@type":"@vocab"},"dct":"http://purl.org/dc/terms/","description":{"@container":"@language"},"equivalentProperty":"cr:equivalentProperty","examples":{"@id":"cr:examples","@type":"@json"},"extract":"cr:extract","field":"cr:field","fileProperty":"cr:fileProperty","fileObject":"cr:fileObject","fileSet":"cr:fileSet","format":"cr:format","includes":"cr:includes","isArray":"cr:isArray","isLiveDataset":"cr:isLiveDataset","jsonPath":"cr:jsonPath","key":"cr:key","md5":"cr:md5","name":{"@container":"@language"},"parentField":"cr:parentField","path":"cr:path","recordSet":"cr:recordSet","references":"cr:references","regex":"cr:regex","repeated":"cr:repeated","replace":"cr:replace","samplingRate":"cr:samplingRate","sc":"https://schema.org/","separator":"cr:separator","source":"cr:source","subField":"cr:subField","transform":"cr:transform"},"@type":"sc:Dataset","conformsTo":"http://mlcommons.org/croissant/1.1","name":"CFPB complaints about debt collection, credit reporting and debt management, by state and month","description":"Complaints that consumers filed with the Consumer Financial Protection Bureau (CFPB) about debt collection, credit reporting and credit repair, and debt or credit management, counted by state, month, product and issue from January 2018, with the last 12 months set against the 12 before and per 100,000 residents. One record per state, DC, Puerto Rico and territory for each of the three product groups, with the share of complaints the company answered on time and the issue people raised most. The counts come from the CFPB's own Consumer Complaint Database search API, as aggregates, so no complaint, narrative, company name or ZIP code is ever copied; for every month the issue counts add up to the bureau's own count for each product group. The bureau changed its credit-reporting product name twice; every name is combined into one group. Complaints are consumers' own reports, not findings of any violation.","url":"https://probativegrowth.com/research/consumer-finance-complaints-by-state/","identifier":"https://doi.org/10.5281/zenodo.23733731","sameAs":["https://doi.org/10.5281/zenodo.23733731","https://doi.org/10.5281/zenodo.23733730","https://zenodo.org/records/23733731"],"version":"1.0.0","datePublished":"2026-10-28","dateModified":"2026-10-27","license":"https://creativecommons.org/licenses/by/4.0/","creator":{"@type":"sc:Organization","name":"Probative Growth","url":"https://probativegrowth.com"},"publisher":{"@type":"sc:Organization","name":"Probative Growth","url":"https://probativegrowth.com"},"citeAs":"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","keywords":["CFPB complaints by state","debt collection complaints","credit reporting complaints","FDCPA","FCRA","consumer complaint database"],"inLanguage":"en","isAccessibleForFree":true,"isLiveDataset":false,"temporalCoverage":"2018-01/2026-09","spatialCoverage":{"@type":"sc:Place","name":"United States"},"distribution":[{"@type":"cr:FileObject","@id":"consumer-complaints.csv","name":"consumer-complaints.csv","description":"Every record, one row each (RFC 4180, UTF-8). 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empty for territories the Census file does not cover","dataType":"sc:Float","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"per100k"}}},{"@type":"cr:Field","@id":"consumer-complaints/population","name":"population","dataType":"sc:Integer","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"population"}}},{"@type":"cr:Field","@id":"consumer-complaints/previous12","name":"previous12","description":"Complaints received in the 12 months before that","dataType":"sc:Integer","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"previous12"}}},{"@type":"cr:Field","@id":"consumer-complaints/yoyPct","name":"yoyPct","description":"Change from the previous 12 months, in percent","dataType":"sc:Float","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"yoyPct"}}},{"@type":"cr:Field","@id":"consumer-complaints/timelyPct","name":"timelyPct","description":"Share of the complaints the company answered within the CFPB's time limit, in percent","dataType":"sc:Float","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"timelyPct"}}},{"@type":"cr:Field","@id":"consumer-complaints/reliefPct","name":"reliefPct","description":"Share of the complaints closed with monetary or non-monetary relief, in percent","dataType":"sc:Float","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"reliefPct"}}},{"@type":"cr:Field","@id":"consumer-complaints/topIssue","name":"topIssue","description":"The issue consumers chose most often in the last 12 months (the CFPB's own wording)","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"topIssue"}}},{"@type":"cr:Field","@id":"consumer-complaints/topIssueSharePct","name":"topIssueSharePct","description":"That issue's share of the complaints, in percent","dataType":"sc:Float","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"topIssueSharePct"}}},{"@type":"cr:Field","@id":"consumer-complaints/text","name":"text","description":"The record in one plain-English sentence","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"text"}}},{"@type":"cr:Field","@id":"consumer-complaints/effectiveFrom","name":"effectiveFrom","description":"When the fact took effect (YYYY-MM-DD), if known","dataType":"sc:Date","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"effectiveFrom"}}},{"@type":"cr:Field","@id":"consumer-complaints/lastChecked","name":"lastChecked","description":"The day it was last confirmed (YYYY-MM-DD)","dataType":"sc:Date","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"lastChecked"}}},{"@type":"cr:Field","@id":"consumer-complaints/note","name":"note","description":"Caveats","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"note"}}},{"@type":"cr:Field","@id":"consumer-complaints/sourceLabels","name":"sourceLabels","description":"Sources, separated by \" | \"","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"sourceLabels"}}},{"@type":"cr:Field","@id":"consumer-complaints/sourceUrls","name":"sourceUrls","description":"Source URLs, in the same order","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"sourceUrls"}}},{"@type":"cr:Field","@id":"consumer-complaints/confidence","name":"confidence","description":"high, medium or low: computed from status, a second check, age against the refresh cadence and sampling error (rule: /data/#confidence)","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"confidence"}}},{"@type":"cr:Field","@id":"consumer-complaints/confidenceBasis","name":"confidenceBasis","description":"The reasons for the confidence level, in a short phrase","dataType":"sc:Text","source":{"fileObject":{"@id":"consumer-complaints.csv"},"extract":{"column":"confidenceBasis"}}}]}]}