Your community's record · from the CFPB database
AZ — the record where you live.
All productsCredit reportingDebt collectionMortgageCredit cardsBankingAuto & personal loansStudent loansMoney transfer & crypto
110,377
complaints from AZ residents, last 12 months
+49.8%
vs the 12 months before (73,663)
10,580
still sitting in progress (2 yrs)
#18 of 51
by complaint volume
#19 of 51
per 100,000 residents (1,489.9 per 100k)
#16 of 51
by year-over-year growth
Closest to home
Maricopa County (Phoenix): 85,820 complaints in 12 months — 77.8% of all of AZ
8,375 still open · +48.9% year over year · see the county record →
AZ's money — what state and local governments took in, spent and owe (2024)
32.1%
Share of AZ'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.
$5,547
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.
1.8%
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.
1518.6 · $5,515
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.
7,255
People whose health records were reported breached by AZ-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 | $12,810 | +30.3% since base year |
| …of which from the federal government | $4,106 | +69.9% since base year |
| Taxes collected | $5,515 | +33.5% since base year |
| …of which property taxes | $1,319 | +14.8% since base year |
| Spending | $12,321 | +34.9% since base year |
| …of which interest on debt | $225 | +7% since base year |
| Debt outstanding | $5,547 | -0.1% since base year |
| Public-employee pensions paid out | $812 | +20.2% 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 AZ — MSRB EMMA (official statements, continuing disclosures)
Printed copies carry the source links and the time pulled (2026-09-25 14:48 UTC); the live record may have changed since.
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Escalating fastest — product areas
- Debt collection+114.3% (4,337 → 9,293)
- Payday loan, title loan, personal loan, or advance loan+66.2% (278 → 462)
- Credit reporting or other personal consumer reports+50% (63,000 → 94,500)
- Vehicle loan or lease+42.5% (355 → 506)
Escalating fastest — issues
- Took or threatened to take negative or legal action+845.8% (554 → 5,240)
- Problem with a company's investigation into an existing problem+104.8% (10,684 → 21,880)
- Struggling to pay mortgage+85.7% (105 → 195)
- Repossession+65.4% (78 → 129)
Escalating fastest — companies
- Affirm Holdings, Inc+202.4% (85 → 257)
- Bread Financial Holdings, Inc.+200.8% (121 → 364)
- Kriya Capital, LLC+189.5% (95 → 275)
- Portfolio Recovery Associates, LLC+186.9% (198 → 568)
Most complained-about companies here
- TRANSUNION INTERMEDIATE HOLDINGS, INC.33,281
- EQUIFAX, INC.29,974
- Experian Information Solutions Inc.28,403
- WELLS FARGO & COMPANY776
- JPMORGAN CHASE & CO.690
- CAPITAL ONE FINANCIAL CORPORATION618
- CL Holdings LLC602
- ENCORE CAPITAL GROUP INC.582
- Portfolio Recovery Associates, LLC568
- BANK OF AMERICA, NATIONAL ASSOCIATION555
- CITIBANK, N.A.540
- LEXISNEXIS517
Companies with the most open files here
What people here complain about
- Incorrect information on your report54,929
- Problem with a company's investigation into an existing problem21,880
- Improper use of your report17,298
- Took or threatened to take negative or legal action5,240
- Attempts to collect debt not owed2,274
- Managing an account1,053
- Written notification about debt875
- Problem with a purchase shown on your statement585
Which products
- Credit reporting or other personal consumer reports94,500
- Debt collection9,293
- Credit card1,873
- Checking or savings account1,810
- Mortgage691
- Money transfer, virtual currency, or money service684
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