Press wire · free to reprint with attribution
The Unanswered, in your inbox on the 1st.
A ranked, sourced list of the companies with the most federal complaints still sitting open — nationally and for your state. Built only from the CFPB's own database. Method published. No opinion attached.
This month's wire
THE UNANSWERED — September 2026 Federal consumer complaints still marked 'In progress', ranked by company. Source: CFPB Consumer Complaint Database, as of 2026-09-23 (complaints received since 2023-09-24). Nationally, 626,350 of 13,816,358 complaints received in the window are still open. TOP 10 COMPANIES BY OPEN FILES 1. Experian Information Solutions Inc. — 329,446 open (8.9% of their 3,683,090) 2. TRANSUNION INTERMEDIATE HOLDINGS, INC. — 206,055 open (4.9% of their 4,247,486) 3. EQUIFAX, INC. — 70,079 open (1.8% of their 3,971,818) 4. BANK OF AMERICA, NATIONAL ASSOCIATION — 2,099 open (3.8% of their 54,779) 5. SYNCHRONY FINANCIAL — 1,664 open (4.4% of their 37,851) 6. Kriya Capital, LLC — 1,268 open (8.6% of their 14,737) 7. MOHELA — 1,190 open (4.6% of their 25,760) 8. NAVY FEDERAL CREDIT UNION — 1,171 open (3.4% of their 34,197) 9. Chime Financial Inc — 1,149 open (5.2% of their 21,887) 10. Portfolio Recovery Associates, LLC — 1,044 open (2.6% of their 40,870) STATES WITH THE MOST OPEN FILES - TX: 104,488 - FL: 93,660 - CA: 57,234 - GA: 43,949 - NY: 31,179 - IL: 24,221 - NC: 22,708 - MS: 20,858 - PA: 20,127 - AL: 19,421 METHOD CFPB field company_response == 'In progress' counts complaints the company has not yet given a final response to, as published by the CFPB. Counts scale with company size and volume of business. This is the status field, not a finding of wrongdoing. WHAT THIS IS NOT An open complaint is a status in the government's database, not a finding of wrongdoing. Counts scale with company size. Alpha Covenant takes no position on any company; we publish the record. LINKS National ranking: https://alphacovenantholdings.com/unanswered Any company's Record: https://alphacovenantholdings.com/record About us: https://alphacovenantholdings.com/about Source: Alpha Covenant Holdings, from the CFPB Consumer Complaint Database. Free to reprint with attribution and a link. Press contact: chris@edmondsholding.com
Press kit — what we are, in checkable terms
Alpha Covenant Holdings publishes public records — CFPB complaints, FMCSA carrier data, FDA drug and food recalls, CPSC and NHTSA recalls, FDIC bank data, SEC filings, federal dockets, USAspending awards and the HHS-OIG exclusion file — side by side, quoted from the agency and dated. Every published figure carries the exact request that produced it, a SHA-256 hash of our copy, and a standard-library Python script that re-issues the request and prints match / differs / unavailable. Misses are published on a public Corrections desk. Alpha Covenant Holdings is a trade name of Build Break Build Fitness and Promo, Cincinnati, Ohio.
What you can check yourself
- Accuracy Check — daily comparison of our copy with the source; misses listed
- Corrections desk — every ticket, including our own method fixes
- replay.py — re-run our checks from your own machine
- Who pays us — what money can and cannot do here
- Methodology — the published score formula and version history
- Standards Check — standard / record / difference, no verdict
What we will not say, and ask you not to attribute to us
That any company is safe, unsafe, compliant, fraudulent, or a risk; that a complaint, recall, filing, docket or exclusion entry proves wrongdoing; that we audit, verify or certify anyone; that two companies are related unless an official record says so in those words. We are a records platform with a public self-check — not an independent auditor.
Press contact: chris@edmondsholding.com. Share cards: national card (PNG).