Credit reporting
Prosper Marketplace: 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
- 66
- Closed with money back
- 1
- 2023 to 2025
- 20 to 31
Prosper Marketplace received 725 complaints from everyone in the window; 66 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". 1 of the 66 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 20 in 2023 to 31 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 19 |
| Credit card | 14 |
| Payday loan, title loan, personal loan, or advance loan | 12 |
| Debt collection | 8 |
| Credit card or prepaid card | 5 |
By issue
| Incorrect information on your report | 16 |
| Improper use of your report | 8 |
| Problem when making payments | 7 |
| Trouble using your card | 4 |
| Attempts to collect debt not owed | 3 |
| 2023: 20 | 2024: 15 | 2025: 31 |
Which accounts, specifically
| Credit reporting | 26 |
| General-purpose credit card or charge card | 24 |
| Installment loan | 17 |
| Personal line of credit | 5 |
| I do not know | 3 |
What went wrong, specifically
| Reporting company used your report improperly | 8 |
| Account status incorrect | 8 |
| Account information incorrect | 5 |
| Information belongs to someone else | 4 |
| Can't use card to make purchases | 3 |
Busiest month: September 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from CA (7), TX (6), VA (6) , then FL, GA, MA.
How Prosper Marketplace answered
| Closed with explanation | 57 |
| Closed with non-monetary relief | 8 |
| Closed with monetary relief | 1 |
Prosper Marketplace 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 has responded to the consumer and the CFPB and chooses not to provide a public response" (59). 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; Trouble using your card. PA, 2024-08-26. Outcome: Closed with explanation. Complaint 9926337
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Payday loan, title loan, personal loan, or advance loan; Problem with additional add-on products or services. CA, 2024-07-08. Outcome: Closed with explanation. Complaint 9453085
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Credit card; Trouble using your card. CA, 2024-07-03. Outcome: Closed with explanation. Complaint 9403269
If this is your problem at Prosper Marketplace
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
- Advanced Resolution Services 68 servicemember complaints; 0 with money back
- Egl US 64 servicemember complaints; 0 with money back
- FactorTrust 64 servicemember complaints; 0 with money back
- Security Finance 63 servicemember complaints; 0 with money back
- Oportun Financial 62 servicemember complaints; 0 with money back
Next in the directory by volume: Stellantis Financial Services US, Cmg Financial Services, Harley Davidson Financial Services.
Frequently asked questions
How many complaints did servicemembers file against Prosper Marketplace?
66 complaints tagged servicemember were received by the CFPB about Prosper Marketplace, 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 20 in 2023 to 31 in 2025.
What do servicemembers complain about most at Prosper Marketplace?
Credit reporting or other personal consumer reports accounts for 19 of the 66 complaints, and the most common issue is "Incorrect information on your report" (16). Next: "Improper use of your report" (8).
Does Prosper Marketplace give money back when a servicemember complains?
1 of the 66 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 57 closed with an explanation only. Prosper Marketplace 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.