Your community's record · from the CFPB database
PA — the record where you live.
All productsCredit reportingDebt collectionMortgageCredit cardsBankingAuto & personal loansStudent loansMoney transfer & crypto
229,840
complaints from PA residents, last 12 months
+27.3%
vs the 12 months before (180,587)
19,913
still sitting in progress (2 yrs)
#8 of 51
by complaint volume
#17 of 51
per 100,000 residents (1,773.2 per 100k)
#38 of 51
by year-over-year growth
Closest to home
Philadelphia County (Philadelphia): 87,324 complaints in 12 months — 38% of all of PA
7,190 still open · +20.1% year over year · see the county record →
PA's money — what state and local governments took in, spent and owe (2024)
27.4%
Share of PA'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.
$8,832
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.
1763.5 · $6,937
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.
39,879
People whose health records were reported breached by PA-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 | $14,134 | +16.7% since base year |
| …of which from the federal government | $3,876 | +45.7% since base year |
| Taxes collected | $6,937 | +22.1% since base year |
| …of which property taxes | $1,814 | +13.1% since base year |
| Spending | $14,027 | +13.6% since base year |
| …of which interest on debt | $344 | -4.6% since base year |
| Debt outstanding | $8,832 | -9.6% since base year |
| Public-employee pensions paid out | $1,136 | +10.8% 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 PA — MSRB EMMA (official statements, continuing disclosures)
Printed copies carry the source links and the time pulled (2026-10-21 22:57 UTC); the live record may have changed since.Archive hash of 2026-10-20: b0b06cc4d9fd00c3… · OpenTimestamps proof available
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Where PA 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.
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Escalating fastest — product areas
- Payday loan, title loan, personal loan, or advance loan+55.7% (361 → 562)
- Mortgage+41.2% (825 → 1,165)
- Credit reporting or other personal consumer reports+29.8% (160,146 → 207,818)
- Vehicle loan or lease+27.3% (674 → 858)
Escalating fastest — issues
- Problem with a company's investigation into an existing issue+156.2% (80 → 205)
- Problem with a purchase shown on your statement+81.8% (548 → 996)
- Took or threatened to take negative or legal action+78.6% (873 → 1,559)
- Struggling to pay mortgage+76.6% (167 → 295)
Escalating fastest — companies
- Paypal Holdings, Inc+109.5% (241 → 505)
- CL Holdings LLC+86.3% (531 → 989)
- Chime Financial Inc+68.6% (283 → 477)
- Affirm Holdings, Inc+63.4% (175 → 286)
Most complained-about companies here
- TRANSUNION INTERMEDIATE HOLDINGS, INC.74,322
- Experian Information Solutions Inc.64,976
- EQUIFAX, INC.63,838
- CAPITAL ONE FINANCIAL CORPORATION1,245
- Resurgent Capital Services L.P.997
- CL Holdings LLC989
- ENCORE CAPITAL GROUP INC.775
- CITIBANK, N.A.738
- Portfolio Recovery Associates, LLC738
- WELLS FARGO & COMPANY699
- JPMORGAN CHASE & CO.670
- BANK OF AMERICA, NATIONAL ASSOCIATION560
Companies with the most open files here
What people here complain about
- Incorrect information on your report132,308
- Improper use of your report41,101
- Problem with a company's investigation into an existing problem33,850
- Attempts to collect debt not owed5,481
- Managing an account1,747
- Written notification about debt1,605
- Took or threatened to take negative or legal action1,559
- False statements or representation1,322
Which products
- Credit reporting or other personal consumer reports207,818
- Debt collection10,583
- Credit card3,152
- Checking or savings account3,101
- Money transfer, virtual currency, or money service1,305
- Mortgage1,165
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