Press wire · free to reprint with attribution
The Unanswered, in your inbox on the 1st.
A sourced list, by count, 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 — November 2026 Federal consumer complaints still marked 'In progress', listed by company and count. Source: CFPB Consumer Complaint Database, as of 2026-11-11 (complaints received since 2023-11-12). Nationally, 618,975 of 14,734,403 complaints received in the window are still open. TOP 10 COMPANIES BY OPEN FILES 1. Experian Information Solutions Inc. — 397,055 open (9.9% of their 4,008,062) 2. TRANSUNION INTERMEDIATE HOLDINGS, INC. — 174,631 open (3.9% of their 4,514,250) 3. EQUIFAX, INC. — 25,431 open (0.6% of their 4,230,408) 4. BANK OF AMERICA, NATIONAL ASSOCIATION — 1,755 open (3.1% of their 56,377) 5. SYNCHRONY FINANCIAL — 1,533 open (3.9% of their 38,831) 6. MOHELA — 1,305 open (5.1% of their 25,744) 7. Chime Financial Inc — 1,222 open (5.3% of their 23,272) 8. Portfolio Recovery Associates, LLC — 1,161 open (2.7% of their 43,085) 9. NAVY FEDERAL CREDIT UNION — 1,121 open (3.2% of their 34,798) 10. Kriya Capital, LLC — 915 open (5.8% of their 15,690) STATES WITH THE MOST OPEN FILES - TX: 102,942 - FL: 94,991 - CA: 54,174 - GA: 43,457 - NY: 29,969 - NC: 24,081 - IL: 23,544 - MS: 22,538 - PA: 19,156 - AL: 18,584 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
The forms layer — in the government's own words
Every screening duty starts as a line on a government form. The Government Forms Register lists 25 federal form lines (2 CFR 180.300, FAR 52.209-6, HUD-2992, SF-SAC, WH-347, CMS-855, 42 CFR 455 …) and 50 states + DC: the official page, the exact line a dated receipt supports, the citation, what a read cannot prove, the procedure as the regulation writes it with the auditor's test, the rule text as the eCFR serves it, and the Federal Audit Clearinghouse's count of findings of that type by year (6,952 type-I findings in audit year 2024). Sector Maps compose that into a citable document per situation; the Government Desk lists the official systems and their published help lines; the dialect defines the terms by pointing at the section that defines them. Nothing in it is advice, a grade or a determination — the agency is the author and this platform is the dated reader.
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. The publisher is Alpha Covenant Holdings LLC (PA 0016032097); legal entity in Terms.
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).