On March 31, the CFPB released its Consumer Response Annual Report covering all 6.6 million complaints received in 2025, more than double the approximately 3.2 million received in 2024. The Bureau reported that it sent more than 5.9 million complaints to over 4,000 companies for review and response. Credit or consumer reporting remained the financial product that generated the most complaints for the fifth consecutive year, accounting for approximately 5.8 million complaints, or 88 percent of the total. Debt collection, credit cards, checking or savings accounts, and money transfers or services comprised nearly all the remaining complaints. Companies provided a timely response to 99.6 percent of the complaints sent to them, according to the report, and the CFPB forwarded 97 percent of complaints to a company within one day or less.

The report attributed the sustained surge in complaint volume primarily to the substantial growth in credit or consumer reporting complaints, which rose 182 percent compared to the monthly average for the prior two years. The CFPB stated it believes that several factors drove the increase, including the use of the complaint process by credit repair organizations and emerging technologies such as large language models and AI agents that enable bad actors to flood the system with “duplicative and spurious” submissions. On a per capita basis, Georgia generated more complaints than any other state, followed by Florida, Mississippi, Alabama, and Louisiana. Self-identified servicemembers accounted for approximately 136,300 complaints, or 2.1 percent of the total, and self-identified older consumers (age 62 or older) accounted for approximately 654,200 complaints, or 10 percent.

The CFPB said it had begun taking steps to reform the complaint process and align it with statutory requirements, including the FCRA. For that reason, the Bureau updated its process to direct consumers to initially file an inaccuracy or incompleteness dispute with consumer reporting agencies before submitting a complaint to the CFPB and said it would implement new authentication measures to “root out malignant actors and fraudulent complaints.”