Credit Bureaus Are Leaving More Mistakes on Frustrated Consumers’ Reports Under Trump’s CFPB

ProPublicaCenter-LeftEN 10 min read 100% complete by Joel JacobsMarch 10, 2026 at 10:00 AM

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long article 10 min

Under the Trump administration, the Consumer Financial Protection Bureau (CFPB) weakened its oversight of credit bureaus, leading to a decline in consumer complaint resolutions. A ProPublica analysis of CFPB data reveals that TransUnion and Experian significantly reduced the rate at which they resolved complaints in consumers' favor, starting around mid-2025. For example, Experian's rate dropped from nearly 20% in 2024 to less than 1% in 2025. This decline has left consumers like Rebecca Sheppard, struggling to correct errors on their credit reports, with limited recourse. Sheppard was unable to get a $240,000 student loan debt that belonged to her ex-husband removed from her credit report, despite providing documentation. Equifax, the third major credit bureau, did not show a similar decline.

Key Entities & Roles

Key Player Opposition Context

Colorado 35% ProPublica ×250% Equifax 65% Experian ×375% Donald Trump ×275% TransUnion ×380% Consumer Financial Protection Bureau ×485% Rebecca Sheppard ×290%

Keywords

credit bureaus 100% credit report errors 90% cfpb 90% consumer complaints 80% experian 70% consumer protection 70% transunion 70% trump administration 60% relief rate 60% credit score 50%