Research division · original data
Credit card research
Every study here is computed from real, cited public data — never invented, never extrapolated past what the data supports. Each publishes its methodology, data dictionary, limitations, and a downloadable dataset, and each states plainly what the numbers can and cannot tell you.
Honest scope
Published studies
Original data
CFPB Credit-Card Complaint Index (2025–2026)
Issuer-level credit-card complaint volumes from the CFPB Consumer Complaint Database for the covered issuers, with exact query citations, sub-product breakdowns, and honest denominator caveats.
4 issuers · 1 product tracked
Original data
Mortgage Lender Transparency (Real HMDA Data)
Originations, denials, and denial share of decisioned applications for 7 LEI-verified major lenders vs. the national benchmark — from public federal HMDA data, with the product-mix caveat leading the page.
Original data
Lender Complaint Index (Cards, Auto, Personal, Mortgage)
Federal complaint volumes for 10 major US lenders across four credit products, each figure carrying its exact CFPB query URL — with the denominator problem stated plainly rather than buried.
10 lenders × 4 products · 40 data points
Original data
U.S. Consumer Bankruptcy Filings (Year to June 2026)
Consumer bankruptcy cases by chapter and by court, split out from the business cases most coverage leaves mixed in — every count from US Courts Table F-2, with the district totals reconciled against the judiciary’s own published national row.
93 courts × 2 periods · 12 months ending June 30, 2026
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.