Credit reporting
Consumer Portfolio Services: 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
- 146
- Closed with money back
- 0%
- 2023 to 2025
- 42 to 52
Servicemembers filed 7.9% of Consumer Portfolio Services's 1,841 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Improper use of your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 42 in 2023 to 52 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 64 |
| Vehicle loan or lease | 42 |
| Debt collection | 25 |
| Credit reporting, credit repair services, or other personal consumer reports | 14 |
| Debt or credit management | 1 |
By issue
| Improper use of your report | 44 |
| Incorrect information on your report | 32 |
| Managing the loan or lease | 17 |
| Attempts to collect debt not owed | 8 |
| Problem with a company's investigation into an existing problem | 8 |
| 2023: 42 | 2024: 52 | 2025: 52 |
Which accounts, specifically
| Credit reporting | 75 |
| Loan | 46 |
| Auto debt | 19 |
| I do not know | 4 |
| Other personal consumer report | 4 |
What went wrong, specifically
| Credit inquiries on your report that you don't recognize | 28 |
| Reporting company used your report improperly | 15 |
| Account status incorrect | 9 |
| Information belongs to someone else | 9 |
| Billing problem | 9 |
Busiest month: October 2025, with 9 servicemember complaints. Most were submitted by web.
Most complaints came from GA (22), FL (17), TX (13) , then VA, CA, NC.
How Consumer Portfolio Services answered
| Closed with explanation | 146 | 100% |
Consumer Portfolio Services 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; Improper use of your report. FL, 2024-08-28. Outcome: Closed with explanation. Complaint 9950874
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Credit reporting or other personal consumer reports; Improper use of your report. GA, 2024-08-24. Outcome: Closed with explanation. Complaint 9925180
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Credit reporting or other personal consumer reports; Improper use of your report. GA, 2024-08-17. Outcome: Closed with explanation. Complaint 9832755
If this is your problem at Consumer Portfolio Services
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
- CashRepublic 149 servicemember complaints; 1% with money back
- Mariner Finance 139 servicemember complaints; 0% with money back
- World Acceptance 138 servicemember complaints; 0% with money back
- Ford Credit 136 servicemember complaints; 1% with money back
- Upstart 166 servicemember complaints; 0% with money back
Next in the directory by volume: Incomm, Paramount Gr, Netspend.
Frequently asked questions
How many complaints did servicemembers file against Consumer Portfolio Services?
146 complaints tagged servicemember were received by the CFPB about Consumer Portfolio Services, 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 42 in 2023 to 52 in 2025.
What do servicemembers complain about most at Consumer Portfolio Services?
Credit reporting or other personal consumer reports accounts for 64 of the 146 complaints, and the most common issue is "Improper use of your report" (44). Next: "Incorrect information on your report" (32).
Does Consumer Portfolio Services give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 146 closed with an explanation only. Consumer Portfolio Services 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.