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Your community's record · from the CFPB database

NJ — the record where you live.

Card
All productsCredit reportingDebt collectionMortgageCredit cardsBankingAuto & personal loansStudent loansMoney transfer & crypto
207,472
complaints from NJ residents, last 12 months
+28.4%
vs the 12 months before (161,547)
18,575
still sitting in progress (2 yrs)
#10 of 51
by complaint volume
#14 of 51
per 100,000 residents (2,233 per 100k)
#38 of 51
by year-over-year growth
Closest to home
Essex County (Newark): 30,320 complaints in 12 months — 14.6% of all of NJ
2,570 still open · +25.9% year over year · see the county record →

NJ's money — what state and local governments took in, spent and owe (2024)

21.8%
Share of NJ'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.
$9,625
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.
2.5%
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.
2221.1 · $9,283
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.
722,081
People whose health records were reported breached by NJ-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 resident2024Change vs 2019
Revenue, all sources$15,961+21.1% since base year
…of which from the federal government$3,473+72.8% since base year
Taxes collected$9,283+22.6% since base year
…of which property taxes$3,759+11.8% since base year
Spending$15,138+16.1% since base year
…of which interest on debt$377-3.6% since base year
Debt outstanding$9,625-4.3% since base year
Public-employee pensions paid out$1,477+18.6% 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 NJ — MSRB EMMA (official statements, continuing disclosures)

Printed copies carry the source links and the time pulled (2026-11-07 21:21 UTC); the live record may have changed since.Archive hash of 2026-11-06: fbdea3f6f470aa9f…

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Escalating fastest — product areas

  1. Payday loan, title loan, personal loan, or advance loan
    +68.9% (325 → 549)
  2. Mortgage
    +47.9% (768 → 1,136)
  3. Credit card
    +32.3% (2,899 → 3,834)
  4. Credit reporting or other personal consumer reports
    +29.8% (144,822 → 188,038)

Escalating fastest — issues

  1. Took or threatened to take negative or legal action
    +103.6% (786 → 1,600)
  2. Charged fees or interest you didn't expect
    +80% (85 → 153)
  3. Problem with a purchase shown on your statement
    +67.1% (770 → 1,287)
  4. Struggling to pay mortgage
    +65.8% (193 → 320)

Escalating fastest — companies

  1. CL Holdings LLC
    +131.2% (282 → 652)
  2. Fidelity National Information Services, Inc. (FNIS)
    +113.1% (122 → 260)
  3. Chime Financial Inc
    +100.7% (153 → 307)
  4. Paypal Holdings, Inc
    +84.7% (202 → 373)

Most complained-about companies here

  1. TRANSUNION INTERMEDIATE HOLDINGS, INC.65,557
  2. Experian Information Solutions Inc.60,621
  3. EQUIFAX, INC.55,968
  4. CAPITAL ONE FINANCIAL CORPORATION1,445
  5. JPMORGAN CHASE & CO.1,110
  6. CITIBANK, N.A.978
  7. BANK OF AMERICA, NATIONAL ASSOCIATION973
  8. WELLS FARGO & COMPANY841
  9. Resurgent Capital Services L.P.787
  10. LEXISNEXIS727
  11. ENCORE CAPITAL GROUP INC.711
  12. Portfolio Recovery Associates, LLC706

Companies with the most open files here

  1. Experian Information Solutions Inc.11,455
  2. TRANSUNION INTERMEDIATE HOLDINGS, INC.5,720
  3. EQUIFAX, INC.658
  4. BANK OF AMERICA, NATIONAL ASSOCIATION68
  5. Portfolio Recovery Associates, LLC51
  6. SYNCHRONY FINANCIAL47
  7. WELLS FARGO & COMPANY40
  8. CAPITAL ONE FINANCIAL CORPORATION36

What people here complain about

  1. Incorrect information on your report120,638
  2. Improper use of your report35,414
  3. Problem with a company's investigation into an existing problem31,583
  4. Attempts to collect debt not owed3,846
  5. Managing an account1,818
  6. Took or threatened to take negative or legal action1,600
  7. Problem with a purchase shown on your statement1,287
  8. Written notification about debt1,163

Which products

  1. Credit reporting or other personal consumer reports188,038
  2. Debt collection7,824
  3. Credit card3,834
  4. Checking or savings account3,120
  5. Money transfer, virtual currency, or money service1,156
  6. Mortgage1,136

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

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