36,349 published ombudsman decisions landed in 2015. 35.9% of those decisions were upheld, while 64.1% were not upheld. That makes 2015 a meaningful benchmark year for understanding where complaint pressure and adjudication risk sat across the corpus.

Banking and credit was the heaviest product area, accounting for 14,007 decisions. Bank of Scotland Plc appeared most often at firm level. The most frequently tagged complaint theme was delay in claim handling.

The year was led by Banking and credit, Payment protection insurance (PPI), Insurance (excluding PPI), and others, which together represented the centre of complaint activity in the published decisions for 2015.

Banking and credit alone contributed 38.5% of all decisions published in 2015, which makes it the clearest lens for understanding how complaint pressure expressed itself that year.

Bank of Scotland Plc, Barclays Bank Plc, HSBC Bank plc, and others were the most visible firms in the published decisions for 2015. That does not prove complaint prevalence in a consumer-market sense, but it does show which firms were most exposed in the final ombudsman decisions dataset.

Complaint-theme tagging pointed most strongly to delay in claim handling, affordability assessment failure, fraud or scam concern, and others. These themes are the most useful public proxy for “complaint type” in this corpus because the raw decisions are not stored with a dedicated complaint-type field.