美国消费者金融保护局：2022年度消费者反应报告（中译版）（76页）.pdf

1、CONSUMER FINANCIAL PROTECTION BUREAU|MARCH 2023 Consumer Response Annual Report January 1 December 31,2022 Table of Contents Table of Contents.2 Executive Summary.3 1.Introduction.5 2.Complaint numbers.9 3.Complaint responses.16 4.Complaint types.19 4.1 Credit or consumer reporting.19 4.2 Debt colle

2、ction.23 4.3 Credit card.28 4.4 Checking or savings account.33 4.5 Mortgage.38 4.6 Money transfer,money services,and virtual currencies.44 4.7 Vehicle loan or lease.50 4.8 Student loan.54 4.9 Personal loan.57 4.10 Prepaid card.60 4.11 Credit repair.66 4.12 Payday loan.67 4.13 Title loan.70 5.Conclus

3、ion.72 3 BUREAU OF CONSUMER FINANCIAL PROTECTION Executive Summary Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010,this annual report analyzes complaints submitted by consumers in 2022.During this period,the Consumer Financial Protection Bureau(CFPB)received approxi

4、mately 1,287,000 consumer complaints and sent more than 820,000 complaints to approximately 3,200 companies for review and response.The CFPB monitors complaints to assess risk in consumer financial markets and to prioritize agency action.In 2022,the CFPB observed:Complaints about credit or consumer

5、reporting increased,accounting for more than 75%of all consumer complaints.The most common complaint issue continues to be about inaccurate information on a consumers report,but there were also large increases in complaints in which consumers complained about improper use of their report.The three l

6、argest nationwide consumer reporting agenciesEquifax,Experian,and TransUnionwere the most frequently named companies.Complaints about checking and savings accounts increased.Consumers most commonly described issues with managing an account.For example,consumers reported problems with account closure