Your community's record · from the CFPB database
AL — the record where you live.
All productsCredit reportingDebt collectionMortgageCredit cardsBankingAuto & personal loansStudent loansMoney transfer & crypto
217,408
complaints from AL residents, last 12 months
+62.5%
vs the 12 months before (133,750)
19,131
still sitting in progress (2 yrs)
#9 of 51
by complaint volume
#4 of 51
per 100,000 residents (4,256.2 per 100k)
#7 of 51
by year-over-year growth
AL's money — what state and local governments took in, spent and owe (2024)
26.8%
Share of AL's state and local revenue that came from the federal government (2024)
Formula: revenue from federal government ÷ total revenue (state and local governments combined). Census ASSLGF LF0004 × Census ASSLGF LF0001.
A share, not a judgment: federal grants fund Medicaid, highways and schools everywhere; the share differs with a state's income, program choices and population.
$8,465
State and local debt outstanding per resident (2024)
Formula: total debt outstanding ÷ ACS population. Census ASSLGF LF0231 × Census ACS B01003.
Debt finances roads, water systems and buildings that last decades; per-resident debt says how much is owed, not whether it was well spent.
1.6%
Share of every dollar spent that went to interest on debt (2024)
Formula: interest on debt ÷ total expenditure. Census ASSLGF LF0099 × Census ASSLGF LF0090.
Interest is the price of past borrowing paid out of today's budget.
4264.8 · $5,154
CFPB complaints per 100,000 residents next to taxes paid per resident
Formula: complaints filed by residents in the last 12 months ÷ population × 100,000; total state and local taxes ÷ population. CFPB Consumer Complaint Database (state) × Census ASSLGF LF0008 + ACS.
Two records about the same residents, side by side. Neither causes the other; together they describe what people here pay and what they report.
195,787
People whose health records were reported breached by AL-based covered entities, per 100,000 residents (reports under OCR review, last 24 months)
Formula: sum of 'individuals affected' across breach reports whose covered entity lists this state ÷ ACS population × 100,000. HHS OCR breach portal × Census ACS B01003.
Affected people may live in any state; the count is where the reporting entity is based. A report is the entity's own filing, not a finding of fault.
| Per resident | 2024 | Change vs 2019 |
|---|---|---|
| Revenue, all sources | $13,880 | +31% since base year |
| …of which from the federal government | $3,715 | +51.4% since base year |
| Taxes collected | $5,154 | +42.9% since base year |
| …of which property taxes | $867 | +45.7% since base year |
| Spending | $12,768 | +28.7% since base year |
| …of which interest on debt | $203 | -6.3% since base year |
| Debt outstanding | $8,465 | +41.4% since base year |
| Public-employee pensions paid out | $890 | +22.6% since base year |
State level only: the Census API publishes no county or city totals, so we show none. Figures are what governments reported to the Census Bureau; Alpha Covenant applies no rating. Population: Census ACS 5-year 2023, B01003. Census source call · Municipal bond disclosures for issuers in AL — MSRB EMMA (official statements, continuing disclosures)
Printed copies carry the source links and the time pulled (2026-11-12 14:05 UTC); the live record may have changed since.
My State, Monthly · free
Get AL's record on the first business day of every month.
Where AL ranks, what's escalating, the county closest to home, and which companies actually improved. Public figures only. One email a month, one-click unsubscribe, your address is never sold.
Want one email the day a specific company's record changes? Watch a record — free family cabinet, or Record Monitor by list size.
Escalating fastest — product areas
- Credit reporting or other personal consumer reports+66.3% (123,191 → 204,876)
- Student loan+58.4% (274 → 434)
- Debt collection+53.6% (5,308 → 8,151)
- Prepaid card+45.8% (83 → 121)
Escalating fastest — issues
- Improper use of your report+160.9% (24,489 → 63,898)
- Unable to get your credit report or credit score+131.2% (298 → 689)
- Attempts to collect debt not owed+111.9% (2,312 → 4,899)
- Unauthorized transactions or other transaction problem+68.7% (99 → 167)
Escalating fastest — companies
- I.C. System, Inc.+234.7% (118 → 395)
- CL Holdings LLC+195.8% (448 → 1,325)
- LEXISNEXIS+193.1% (567 → 1,662)
- Kriya Capital, LLC+186.4% (110 → 315)
Most complained-about companies here
- TRANSUNION INTERMEDIATE HOLDINGS, INC.74,614
- EQUIFAX, INC.62,718
- Experian Information Solutions Inc.61,520
- LEXISNEXIS1,662
- CL Holdings LLC1,325
- CBC Companies, Inc.1,009
- Portfolio Recovery Associates, LLC560
- ENCORE CAPITAL GROUP INC.551
- Resurgent Capital Services L.P.487
- CAPITAL ONE FINANCIAL CORPORATION427
- Block, Inc.419
- I.C. System, Inc.395
Companies with the most open files here
What people here complain about
- Incorrect information on your report111,448
- Improper use of your report63,898
- Problem with a company's investigation into an existing problem28,993
- Attempts to collect debt not owed4,899
- Written notification about debt1,132
- Took or threatened to take negative or legal action955
- False statements or representation824
- Unable to get your credit report or credit score689
Which products
- Credit reporting or other personal consumer reports204,876
- Debt collection8,151
- Checking or savings account1,083
- Credit card862
- Money transfer, virtual currency, or money service637
- Mortgage493
CFPB complaints filed by consumers whose address is in this state. Counts scale with population and company size; they are not findings.
Source: Alpha Covenant Holdings, from the CFPB Consumer Complaint Database. Free to reprint with attribution and a link. · CFPB source