Accountability Leaderboard
The Accountability Snapshot on Trends blends every company and every failure mode into one number. This breaks that number down — by company, by how often the AI's classification diverges from what the consumer filed under, and by how each failure mode actually gets resolved.
See the corpus-wide snapshot →Companies ranked
72
of 635 total, ≥20 complaints required
Products ranked
2
of 6 total, ≥20 classified required
Failure modes ranked
3
of 8 total, ≥20 classified required
Company leaderboard
How each company actually resolved complaints filed against it — reported by the companies themselves to CFPB. 100% raw fact; no AI involved in this table.
Showing 72 of 635 companies with at least 20 complaints in the corpus — smaller samples are too noisy to rank fairly.
| # | Company | n | |||
|---|---|---|---|---|---|
| 1 |
Radius Global Solutions LLC
|
61 | 100% | 100% | Same day |
| 2 |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
2495 | 69% | 100% | Same day |
| 3 |
ENCORE CAPITAL GROUP INC.
|
39 | 67% | 100% | Same day |
| 4 |
EQUIFAX, INC.
|
2220 | 65% | 100% | Same day |
| 5 |
Atlanticus Services Corporation
|
73 | 63% | 100% | Same day |
| 6 |
Harris & Harris, Ltd.
|
51 | 55% | 100% | Same day |
| 7 |
Portfolio Recovery Associates, LLC
|
34 | 53% | 100% | Same day |
| 8 |
CITIBANK, N.A.
|
1065 | 43% | 100% | Same day |
| 9 |
CBC Companies, Inc.
|
45 | 42% | 100% | Same day |
| 10 |
Paypal Holdings, Inc
|
43 | 42% | 100% | Same day |
| 11 |
TD BANK US HOLDING COMPANY
|
26 | 42% | 100% | Same day |
| 12 |
SANTANDER HOLDINGS USA, INC.
|
25 | 32% | 100% | Same day |
| 13 |
PENTAGON FEDERAL CREDIT UNION
|
26 | 31% | 100% | Same day |
| 14 |
BANK OF AMERICA, NATIONAL ASSOCIATION
|
457 | 30% | 100% | Same day |
| 15 |
Resurgent Capital Services L.P.
|
47 | 30% | 100% | Same day |
| 16 |
AMERICAN EXPRESS COMPANY
|
22 | 27% | 100% | Same day |
| 17 |
BMO BANK NATIONAL ASSOCIATION
|
91 | 27% | 100% | Same day |
| 18 |
U.S. BANCORP
|
427 | 26% | 100% | Same day |
| 19 |
NAVY FEDERAL CREDIT UNION
|
82 | 24% | 100% | Same day |
| 20 |
FIRST TECHNOLOGY FEDERAL CREDIT UNION
|
26 | 23% | 100% | Same day |
| 21 |
REGIONS FINANCIAL CORPORATION
|
48 | 21% | 100% | Same day |
| 22 |
UNITED SERVICES AUTOMOBILE ASSOCIATION
|
194 | 21% | 100% | Same day |
| 23 |
SYNCHRONY FINANCIAL
|
264 | 20% | 100% | Same day |
| 24 |
CAPITAL ONE FINANCIAL CORPORATION
|
93 | 19% | 100% | Same day |
| 25 |
MIDFIRST BANK
|
27 | 19% | 100% | Same day |
| 26 |
DISCOVER BANK
|
28 | 18% | 100% | Same day |
| 27 |
WELLS FARGO & COMPANY
|
978 | 18% | 100% | Same day |
| 28 |
JPMORGAN CHASE & CO.
|
66 | 17% | 100% | Same day |
| 29 |
ALLY FINANCIAL INC.
|
159 | 16% | 100% | Same day |
| 30 |
TRUIST FINANCIAL CORPORATION
|
175 | 16% | 100% | Same day |
| 31 |
SLM CORPORATION
|
26 | 15% | 100% | Same day |
| 32 |
NEW YORK COMMUNITY BANCORP INC
|
22 | 14% | 100% | Same day |
| 33 |
M&T BANK CORPORATION
|
71 | 14% | 100% | Same day |
| 34 |
LEXISNEXIS
|
45 | 13% | 100% | Same day |
| 35 |
Chime Financial Inc
|
25 | 8% | 100% | Same day |
| 36 |
CL Holdings LLC
|
41 | 7% | 100% | Same day |
| 37 |
BARCLAYS BANK DELAWARE
|
194 | 5% | 100% | Same day |
| 38 |
CCS Financial Services, Inc.
|
197 | 3% | 98% | Same day |
| 39 |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
50 | 2% | 96% | Same day |
| 40 |
Aargon Agency, Inc.
|
38 | 0% | 100% | Same day |
| 41 |
Ability Recovery Services, LLC
|
54 | 0% | 100% | Same day |
| 42 |
Albert Corporation
|
25 | 0% | 100% | Same day |
| 43 |
Block, Inc.
|
74 | 0% | 95% | Same day |
| 44 |
Continental Finance Company, LLC
|
29 | 0% | 100% | Same day |
| 45 |
CREDIT ACCEPTANCE CORPORATION
|
102 | 0% | 100% | Same day |
| 46 |
Credit Control, LLC
|
44 | 0% | 100% | Same day |
| 47 |
Diversified Adjustment Service, Inc.
|
27 | 0% | 100% | Same day |
| 48 |
Eastern Account Systems of Connecticut, Inc.
|
31 | 0% | 100% | Same day |
| 49 |
Experian Information Solutions Inc.
|
1944 | 0% | 100% | Same day |
| 50 |
Fidelity National Information Services, Inc. (FNIS)
|
45 | 0% | 100% | Same day |
| 51 |
FIRST PORTFOLIO SERVICING INC
|
22 | 0% | 100% | Same day |
| 52 |
Freedom Mortgage Company
|
84 | 0% | 100% | Same day |
| 53 |
HYUNDAI CAPITAL AMERICA
|
59 | 0% | 100% | Same day |
| 54 |
I.C. System, Inc.
|
232 | 0% | 100% | Same day |
| 55 |
LAKEVIEW LOAN SERVICING, LLC
|
33 | 0% | 100% | Same day |
| 56 |
LJ Ross Associates
|
22 | 0% | 95% | Same day |
| 57 |
LoanCare, LLC
|
22 | 0% | 100% | Same day |
| 58 |
Lockhart, Morris & Montgomery Inc.
|
27 | 0% | 100% | Same day |
| 59 |
MOHELA
|
48 | 0% | 33% | Same day |
| 60 |
MoneyLion Inc.
|
45 | 0% | 98% | Same day |
| 61 |
Monterey Financial Services LLC
|
33 | 0% | 100% | Same day |
| 62 |
Netspend Corporation
|
66 | 0% | 100% | Same day |
| 63 |
Ocwen Financial Corporation
|
32 | 0% | 100% | Same day |
| 64 |
Payward Ventures Inc. dba Kraken
|
23 | 0% | 100% | Same day |
| 65 |
ProCollect, Inc.
|
57 | 0% | 96% | Same day |
| 66 |
Shellpoint Partners, LLC
|
99 | 0% | 100% | Same day |
| 67 |
SUNRISE CREDIT SERVICES, INC
|
78 | 0% | 100% | Same day |
| 68 |
TClub Inc
|
21 | 0% | 10% | Same day |
| 69 |
TekCollect Inc.
|
43 | 0% | 100% | Same day |
| 70 |
The Receivable Management Services LLC
|
20 | 0% | 100% | Same day |
| 71 |
Uprova Credit, LLC
|
21 | 0% | 100% | Same day |
| 72 |
Waypoint Resource Group, LLC
|
50 | 0% | 44% | Same day |
Contradiction-rate leaderboard
Classification-vs-filed-issue divergence rate — how often Clarion's AI put a complaint in a different failure-mode category than the issue the consumer originally filed under. This measures divergence, not misconduct: it can reflect a classifier error as easily as a genuinely mis-filed complaint. Companies and products with a high rate here are not confirmed to have done anything wrong — they're flagged for a human to look closer.
Showing 3 of 40 companies with at least 20 classified complaints — smaller samples are too noisy to rank fairly.
| # | Company | ||
|---|---|---|---|
| 1 |
EQUIFAX, INC.
|
39 | 0% |
| 2 |
Experian Information Solutions Inc.
|
41 | 0% |
| 3 |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
21 | 0% |
AI-classified failure mode × company-reported outcome
The failure mode (left column) is Clarion's own AI classification — already evidence-checked before being accepted. The outcome columns (relief, timely response, days to company) are raw facts the company reported to CFPB, independent of Clarion's pipeline. These are two different sources of truth placed side by side — never read this as one blended number.
| # | Failure mode (AI-inferred) | n classified | ||||
|---|---|---|---|---|---|---|
| 1 |
Incorrect information on your report CREDIT_REPORTING.INCORRECT_INFORMATION_ON_REPORT |
81 | 41% | 100% | Same day | |
| 2 |
Improper use of your report CREDIT_REPORTING.IMPROPER_USE_OF_REPORT |
27 | 33% | 100% | Same day | |
| 3 |
Attempts to collect debt not owed COLLECTIONS.ATTEMPTS_TO_COLLECT_DEBT_NOT_OWED |
27 | 26% | 100% | Same day |