Center for American Progress

Analysis of CFPB Complaints by State: Helping Consumers in Kansas
Fact Sheet

Analysis of CFPB Complaints by State: Helping Consumers in Kansas

The CFPB has stood up for everyday consumers and fought against unfair treatment in Kansas.

A bank in Easton, Kansas, is pictured.
A bank in Easton, Kansas, is pictured on April 15, 2023. (Getty/UCG/Universal Images Group/Michael Siluk)

On October 3, 2023, the U.S. Supreme Court will hear oral arguments in Consumer Financial Protection Bureau (CFPB) v. Community Financial Services Association of America regarding the constitutionality of the agency’s independent funding structure. CFPB critics have long sought to limit the agency’s congressionally given autonomy and, by extension, its capacity to promote a fairer financial marketplace for all consumers. The Supreme Court’s decision in the case, which will come down next spring, could significantly harm consumers and spread uncertainty in the financial markets.

Since opening its doors 12 years ago, the CFPB has been a formidable advocate for everyday Americans, holding financial institutions accountable for predatory practices and returning $17.5 billion to wronged customers across the 50 states, including in Kansas.

A note on the CFPB’s complaint data

The information in this fact sheet is drawn from the CFPB’s Consumer Complaint Database. Individuals submit complaints about challenges they are facing on financial transactions, and the CFPB works on their behalf to contact financial institutions and businesses to get answers. In addition, the CFPB uses the database to better understand trends and potential harm to consumers, supervise companies, enforce federal consumer financial laws, and write better rules and regulations. Ninety-eight percent of complaints sent to companies by the CFPB receive timely responses.

All complaint data used in this fact sheet represent the total number of complaints over the period from December 1, 2011, to August 29, 2023. The data were last accessed in September 2023.

By the numbers: CFPB complaints in Kansas

4.89

Number of complaints received per 1,000 people

14,276

Total number of complaints that the CFPB took action on

1,190

Number of complaints from servicemembers that the CFPB took action on

790

Number of complaints from older Americans (62 and older) that the CFPB took action on

What kinds of complaints do consumers in Kansas seek help with?

Consumers select from a menu specifying both a product and an issue when filing complaints. The following are the top categories of complaints, and examples of issues associated with those complaints, on which consumers in Kansas request help:

Credit reporting, credit repair services, or other personal consumer reports: 5,460 complaints

  • Examples of issues could include incorrect credit reporting about inquiries or payments, information errors on credit reports, credit report privacy concerns, predatory fees by credit repair services, and more.

Debt collection: 2,674 complaints

  • Products could include medical, auto, credit card, student loan, and mortgage debt.
  • Examples of issues could include attempts to collect debt not owed, debt that was paid off, debt disputes due to identity fraud, and more.

Mortgage: 1,429 complaints

  • Products could include home mortgages, Federal Housing Administration and U.S. Department of Veterans Affairs mortgages, home equity loans, and reverse mortgages.
  • Examples of issues could include payment process problems with autopay, escrow, taxes, and insurance; struggling to pay mortgages and foreclosures; and unfair fees and applications.

Credit card or prepaid card: 1,004 complaints

  • Examples of products and issues could include credit cards, store cards, government benefit cards and others being opened or closed without permission, transaction errors, declined card usage, unfair fees, or application denials.

Checking or savings account: 774 complaints

  • Complaints could include checking accounts and other banking products and services, including savings accounts and certificates of deposits.
  • Examples of issues include fees, privacy concerns, accounts opened without permission, fraudulent transactions, and other considerations around managing an account related to deposits, withdrawals, ATM cards, and more.

Top 4 issues on which Kansas consumers have sought help across all financial products

  • Incorrect information on the consumer’s credit report: 2,382
  • Problem with a credit reporting company’s investigation into an existing problem: 1,427
  • Improper use of the consumer’s credit report: 1,401
  • Attempts to collect debt not owed: 763

The positions of American Progress, and our policy experts, are independent, and the findings and conclusions presented are those of American Progress alone. A full list of supporters is available here. American Progress would like to acknowledge the many generous supporters who make our work possible.

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