6.5 million
consumer reports received by the FTC
The FTC’s Consumer Sentinel Network received 6.5 million reports across fraud, identity theft, and other consumer issues in 2024.
FTC Consumer Sentinel Network Data Book 2024 Data year: 2024
ISS Reference Desk
U.S. credit report & consumer credit statistics
Reliable figures for understanding the credit-reporting landscape, consumer debt, and identity-theft reports. Each statistic links to its original public source and notes the period it covers.
Updated October 20, 2026
A clear look at the numbers behind common credit concerns.
Credit reports shape conversations about housing, lending, employment screening, and financial planning. These figures provide useful national context, but they cannot determine what is accurate on any one person’s report or what a lender will decide.
Use the links below when you need the original report, the full methodology, or the definitions behind a number.
Latest Available Figures
Credit reporting, identity theft, and household credit at a glance.
1,135,291
identity theft reports
Identity theft made up 17.5% of the reports received through the FTC’s Consumer Sentinel Network in 2024.
FTC Consumer Sentinel Network Data Book 2024 Data year: 2024
449,032
credit card identity theft reports
Credit card misuse was the most frequently reported identity theft type in the FTC’s 2024 data.
FTC Consumer Sentinel Network Data Book 2024 Data year: 2024
1,353,175
reports involving credit bureaus and information furnishers
This was the largest category in the FTC’s 2024 Consumer Sentinel data. A report is not the same as a verified error or an individual consumer.
FTC Consumer Sentinel Network Data Book 2024 Data year: 2024
2.514 million+
credit or consumer reporting complaints to the CFPB
The CFPB received more than 2.514 million complaints about nationwide consumer reporting agencies and data furnishers in 2024. One submission can name more than one company.
CFPB Consumer Response Annual Report Data year: 2024
86%
said they tried the company first
Among credit or consumer reporting complaints with closure responses, 86% of consumers said they had attempted to resolve the issue with the company before contacting the CFPB.
CFPB Consumer Response Annual Report Data year: 2024
$1.26 trillion
in U.S. credit card balances
Outstanding credit card balances totaled $1.26 trillion at the end of the second quarter of 2026, according to the New York Fed’s nationally representative Consumer Credit Panel.
Federal Reserve Bank of New York Household Debt and Credit Report As of June 30, 2026
7.1%
credit card balances entering serious delinquency
The annualized flow into serious delinquency, meaning balances newly at least 90 days late, was 7.1% in the second quarter of 2026.
Federal Reserve Bank of New York Household Debt and Credit Report Data period: Q2 2026
Putting The Data In Context
National data can help you ask better questions.
Reports and complaints measure what people submit to an agency. They do not, by themselves, establish that a report item is inaccurate or predict an outcome. A possible concern deserves a careful review of the report, the account information, and the records connected to it.
Consumers can dispute inaccurate or incomplete information directly with the appropriate credit reporting company at no cost. Innovative Score Solutions provides education and strategic guidance, not legal advice or guarantees about deletions, score changes, approvals, or timing.
Explore credit dispute assistance →Sources & Notes
Where these figures come from.
Federal Trade Commission
The FTC Consumer Sentinel Network Data Book compiles reports of fraud, identity theft, and other consumer issues. These reports are not a consumer survey and may be unverified.
Open the FTC Consumer Sentinel Network Data Book 2024Consumer Financial Protection Bureau
The CFPB’s annual Consumer Response report summarizes complaints received about consumer financial products and services, including credit and consumer reporting.
Open the CFPB Consumer Response Annual ReportFederal Reserve Bank of New York
The Quarterly Report on Household Debt and Credit uses the New York Fed Consumer Credit Panel, a nationally representative sample drawn from anonymized Equifax credit data.
Open the Q2 2026 Household Debt and Credit Report