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Reading complaint data

Complaint data by product

Last checked 24 October 2026 · 10 sources

Short answer

Most complaint bodies publish counts by product, but each uses its own product list and period. In the US, credit or consumer reporting made up 88% of about 6,635,400 complaints the CFPB received in 2025 1. At the UK Financial Ombudsman Service, current accounts drew 10,285 new complaints in July to September 2026 4. In Canada, accounts and credit cards led complaints reported by banks to FCAC in 2025-26 6. In India, loans and advances led at 29.25% in 2024-25 7.
CFPB complaints received, 2025
About 6,635,400 1
Largest CFPB product, 2025
Credit or consumer reporting, about 5,806,800 (88%) 1
Largest FOS product, Q2 2026/27
Current accounts, 10,285 new complaints 4
Largest FCA product group, 2025 H2
Banking and credit cards, 857,757 complaints 5
Largest RBI Ombudsman category, 2024-25
Loans and advances, 86,670 (29.25%) 7

Who chooses the product label

In the CFPB database, the product is the type of product the consumer identified in the complaint, and the same applies to sub-product, issue and sub-issue 2. The label is the consumer's choice and not a finding. The CFPB says the database is not a statistical sample of consumers' experiences, and that a company's complaint volume should be read with its size and market share in mind 3.

Other bodies use their own product trees. The FOS groups products into families such as Personal Bank Accounts, Credit Card Accounts and Motor Insurance, and shows small counts as <10 4. The FCA uses five product groups for firm-reported complaints 5.

United States: CFPB, 2025

One submission can name up to four companies, so one credit reporting problem can create several complaints, one for a furnisher and one for each nationwide credit reporting agency 1. Companies returned about 302,200 complaints as duplicates in 2025 1.

ProductComplaints received, 2025 (approx.)
Credit or consumer reporting5,806,800 1
Debt collection387,400 1
Credit card114,100 1
Checking or savings account104,200 1
Money transfer, services, virtual currency102,900 1
Mortgage30,400 1
Vehicle loan or lease28,500 1
Student loan23,700 1

United Kingdom: FOS and FCA

FOS figures count new complaints brought to the ombudsman in a quarter. FCA figures count complaints firms received themselves in a half year. They are different stages and should not be compared one for one 4,5.

Source and periodProductCount
FOS, Q2 2026/27Current Accounts10,285 4
FOS, Q2 2026/27Credit Cards6,430 4
FOS, Q2 2026/27Hire Purchase (Motor)6,279 4
FOS, Q2 2026/27Car or Motorcycle Insurance4,407 4
FCA, 2025 H2Banking and credit cards857,757 5
FCA, 2025 H2Insurance and pure protection665,370 5
FCA, 2025 H2Decumulation and pensions87,844 5
FCA, 2025 H2Home finance75,658 5
FCA, 2025 H2Investments54,280 5

Canada and India

  • FCAC, 2025-26, reportable complaints from regulated entities: accounts 85,100 (36.0%), credit card 71,988 (30.5%), debit card 18,503 (7.8%), mortgage 17,134 (7.3%), investment 9,064 (3.8%). The table prints a total of 236,329, the text gives 236,324 complaints, and the six rows printed add up to 235,861 6.
  • OBSI, Q2 2026 (preliminary): top banking products were credit cards 533, e-Transfer 263, personal savings and chequing accounts 247, mortgages 179 and debit cards 149 8.
  • RBI Ombudsman offices, 2024-25: loans and advances 86,670, credit cards 50,811, mobile or electronic banking 49,951, deposit accounts 49,913, ATM or debit cards 18,082 7.

Europe: sector-level data

  • Ireland FSPO, complaints received in 2025: banking 3,802 (54%), insurance 2,142 (31%), investment 525 (7%), pensions 276 (4%) 9.
  • Germany BaFin, 2025: banks 25,744 complaints, insurers 14,285 complaints and enquiries, securities 6,860 complaints 10. Motor (5,238) and health (4,044) were the largest insurance classes 10.

Issue as well as product

Product counts say what a complaint was about, not what went wrong. Several bodies publish issues too. OBSI's top banking issue in Q2 2026 was fraud with 675 cases, and its top product and issue pair was e-Transfer fraud with 244 8. The FSPO reported that disputed transactions, including fraud, made up 34% of banking complaints in 2025 9.

Common questions

What product gets the most CFPB complaints?

Credit or consumer reporting, with about 5,806,800 of about 6,635,400 complaints received in 2025 1.

What product gets the most Financial Ombudsman Service complaints?

Current accounts, with 10,285 new complaints in July to September 2026 4.

Can I compare product counts across countries?

Not directly. Each body uses its own product list, period and counting stage 2,4 5.

Who decides the product in a CFPB complaint?

The consumer. The product field is the type of product the consumer identified 2.

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Sources

  1. Consumer Financial Protection Bureau: Consumer Response Annual Report, January 1 to December 31, 2025 (March 2026)
  2. CFPB Open Tech: Consumer Complaint Database API documentation
  3. Consumer Financial Protection Bureau: Consumer Complaint Database
  4. Financial Ombudsman Service: Quarterly complaints data: Q2 2026/27 (22 October 2026)
  5. Financial Conduct Authority: Aggregate complaints data: 2025 H2 (28 April 2026)
  6. Financial Consumer Agency of Canada: Annual report 2025 to 2026 (13 October 2026)
  7. Reserve Bank of India: Annual Report of Ombudsman Scheme, 2024-25 (1 December 2025)
  8. OBSI: Strong rise in consumer demand drives inquiries and cases to new eight-quarter highs in Q2 (Q2 2026)
  9. Financial Services and Pensions Ombudsman: Overview of Complaints 2025 (March 2026)
  10. BaFin: Consumer protection: dissatisfaction with banks and insurers increases (4 May 2026)

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