Credit reporting
Oportun Financial: 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
- 62
- Closed with money back
- 0
- 2023 to 2025
- 21 to 27
Oportun Financial received 1,165 complaints from everyone in the window; 62 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 62 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 21 in 2023 to 27 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 20 |
| Debt collection | 14 |
| Payday loan, title loan, personal loan, or advance loan | 10 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Credit card | 4 |
By issue
| Incorrect information on your report | 19 |
| Improper use of your report | 9 |
| Charged fees or interest you didn't expect | 4 |
| Written notification about debt | 4 |
| Attempts to collect debt not owed | 3 |
| 2023: 21 | 2024: 14 | 2025: 27 |
Which accounts, specifically
| Credit reporting | 27 |
| Installment loan | 11 |
| General-purpose credit card or charge card | 7 |
| I do not know | 6 |
| Payday loan debt | 4 |
What went wrong, specifically
| Reporting company used your report improperly | 8 |
| Account status incorrect | 8 |
| Information belongs to someone else | 7 |
| Frequent or repeated calls | 3 |
| Attempted to collect wrong amount | 3 |
Busiest month: January 2025, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from CA (10), TX (10), FL (9) , then NJ, AL, GA.
How Oportun Financial answered
| Closed with explanation | 54 |
| Closed with non-monetary relief | 8 |
Oportun Financial responded within the CFPB's 15-day window on 97% 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 card; Closing your account. AL, 2024-08-21. Outcome: Closed with explanation. Complaint 9870770
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Credit card; Incorrect information on your report. OH, 2024-08-20. Outcome: Closed with explanation. Complaint 9869515
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Credit reporting or other personal consumer reports; Incorrect information on your report. OH, 2024-07-09. Outcome: Closed with explanation. Complaint 9460414
If this is your problem at Oportun Financial
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
- Thaxton Investment 62 servicemember complaints; 0 with money back
- Security Finance 63 servicemember complaints; 0 with money back
- Egl US 64 servicemember complaints; 0 with money back
- FactorTrust 64 servicemember complaints; 0 with money back
- Prosper Marketplace 66 servicemember complaints; 1 with money back
Next in the directory by volume: Greensky Operations, Colony Brands.
Frequently asked questions
How many complaints did servicemembers file against Oportun Financial?
62 complaints tagged servicemember were received by the CFPB about OPORTUN FINANCIAL CORPORATION 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 21 in 2023 to 27 in 2025.
What do servicemembers complain about most at Oportun Financial?
Credit reporting or other personal consumer reports accounts for 20 of the 62 complaints, and the most common issue is "Incorrect information on your report" (19). Next: "Improper use of your report" (9).
Does Oportun Financial give money back when a servicemember complains?
0 of the 62 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. 8 closed with non-monetary relief and 54 closed with an explanation only. Oportun Financial answered 97% 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.