Credit reporting
Central Research: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 45
- Closed with money back
- 0
- 2023 to 2025
- 0 to 45
Central Research received 584 complaints from everyone in the window; 45 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 45 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 0 in 2023 to 45 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 25 |
| Student loan | 16 |
| Debt collection | 3 |
| Credit card | 1 |
By issue
| Incorrect information on your report | 17 |
| Dealing with your lender or servicer | 9 |
| Problem with a company's investigation into an existing problem | 7 |
| Improper use of your report | 5 |
| Attempts to collect debt not owed | 2 |
| 2023: 0 | 2024: 0 | 2025: 45 |
Which accounts, specifically
| Credit reporting | 25 |
| Federal student loan servicing | 15 |
| Federal student loan debt | 3 |
| Private student loan | 1 |
| General-purpose credit card or charge card | 1 |
What went wrong, specifically
| Account status incorrect | 10 |
| Account information incorrect | 5 |
| Trouble with how payments are being handled | 4 |
| Credit inquiries on your report that you don't recognize | 3 |
| Their investigation did not fix an error on your report | 3 |
Busiest month: December 2025, with 13 servicemember complaints. Most were submitted by web.
Most complaints came from CA (6), TX (6), FL (4) , then MO, NJ, NY.
How Central Research answered
| Closed with explanation | 45 |
Central Research responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Credit reporting or other personal consumer reports; Incorrect information on your report. FL, 2025-12-30. Outcome: Closed with explanation. Complaint 18373431
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Debt collection; Attempts to collect debt not owed. NY, 2025-12-26. Outcome: Closed with explanation. Complaint 18288768
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. TX, 2025-12-26. Outcome: Closed with explanation. Complaint 18287976
If this is your problem at Central Research
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Sunbit 44 servicemember complaints; 0 with money back
- Open Dealer Exchange 43 servicemember complaints; 0 with money back
- Larry H. Miller Group of Companies 48 servicemember complaints; 0 with money back
- Rfna 41 servicemember complaints; 0 with money back
- TomoCredit 41 servicemember complaints; 1 with money back
Next in the directory by volume: Zwicker & Associates, Contract Callers, Southwest Recovery Services.
Frequently asked questions
How many complaints did servicemembers file against Central Research?
45 complaints tagged servicemember were received by the CFPB about Central Research Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 0 in 2023 to 45 in 2025.
What do servicemembers complain about most at Central Research?
Credit reporting or other personal consumer reports accounts for 25 of the 45 complaints, and the most common issue is "Incorrect information on your report" (17). Next: "Dealing with your lender or servicer" (9).
Does Central Research give money back when a servicemember complains?
0 of the 45 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 45 closed with an explanation only. Central Research answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.