Credit reporting
Kikoff: 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
- 231
- Closed with money back
- 0%
- 2023 to 2025
- 31 to 146
Servicemembers filed 5.5% of Kikoff's 4,163 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 "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 31 in 2023 to 146 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 136 |
| Debt collection | 36 |
| Credit reporting, credit repair services, or other personal consumer reports | 15 |
| Credit card | 13 |
| Debt or credit management | 12 |
By issue
| Incorrect information on your report | 90 |
| Problem with a company's investigation into an existing problem | 33 |
| Improper use of your report | 27 |
| Attempts to collect debt not owed | 20 |
| Written notification about debt | 7 |
| 2023: 31 | 2024: 54 | 2025: 146 |
Which accounts, specifically
| Credit reporting | 157 |
| I do not know | 17 |
| Credit card debt | 16 |
| General-purpose credit card or charge card | 13 |
| Credit repair services | 11 |
What went wrong, specifically
| Account information incorrect | 39 |
| Information belongs to someone else | 31 |
| Reporting company used your report improperly | 27 |
| Their investigation did not fix an error on your report | 24 |
| Account status incorrect | 23 |
Busiest month: August 2025, with 18 servicemember complaints. Most were submitted by web.
Most complaints came from TX (37), GA (29), FL (20) , then CA, MI, IN.
How Kikoff answered
| Closed with explanation | 220 | 95% |
| Closed with non-monetary relief | 11 | 5% |
Kikoff responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (163). 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. KY, 2024-09-01. Outcome: Closed with explanation. Complaint 9984039
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Credit reporting or other personal consumer reports; Incorrect information on your report. PA, 2024-08-28. Outcome: Closed with explanation. Complaint 9951642
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9921325
If this is your problem at Kikoff
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
- Corelogic 214 servicemember complaints; 0% with money back
- Upgrade 257 servicemember complaints; 5% with money back
- Id Analytics 201 servicemember complaints; 0% with money back
- MoneyLion 189 servicemember complaints; 6% with money back
- Global Lending Services 188 servicemember complaints; 0% with money back
Next in the directory by volume: National Credit Adjusters, Sunrise Credit Services, Rocket Mortgage.
Frequently asked questions
How many complaints did servicemembers file against Kikoff?
231 complaints tagged servicemember were received by the CFPB about Kikoff 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 31 in 2023 to 146 in 2025.
What do servicemembers complain about most at Kikoff?
Credit reporting or other personal consumer reports accounts for 136 of the 231 complaints, and the most common issue is "Incorrect information on your report" (90). Next: "Problem with a company's investigation into an existing problem" (33).
Does Kikoff give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 11 closed with non-monetary relief and 220 closed with an explanation only. Kikoff 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.