Credit reporting
TransUnion: 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
- 43,883
- Closed with money back
- 0%
- 2023 to 2025
- 11,570 to 17,870
Servicemembers filed 1.6% of TransUnion's 2,735,218 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 11,570 in 2023 to 17,870 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 34,715 |
| Credit reporting, credit repair services, or other personal consumer reports | 8,166 |
| Debt collection | 825 |
| Credit card | 82 |
| Debt or credit management | 35 |
By issue
| Incorrect information on your report | 19,107 |
| Improper use of your report | 14,001 |
| Problem with a company's investigation into an existing problem | 7,179 |
| Problem with a credit reporting company's investigation into an existing problem | 1,681 |
| Attempts to collect debt not owed | 587 |
| 2023: 11,570 | 2024: 14,443 | 2025: 17,870 |
Which accounts, specifically
| Credit reporting | 44,351 |
| I do not know | 399 |
| Other personal consumer report | 323 |
| Credit card debt | 170 |
| Other debt | 103 |
What went wrong, specifically
| Reporting company used your report improperly | 9,504 |
| Information belongs to someone else | 9,065 |
| Their investigation did not fix an error on your report | 6,755 |
| Credit inquiries on your report that you don't recognize | 4,868 |
| Account information incorrect | 4,676 |
Busiest month: January 2025, with 2,380 servicemember complaints. Most were submitted by web.
Most complaints came from TX (6,350), FL (5,016), GA (4,949) , then CA, NC, NY.
How TransUnion answered
| Closed with non-monetary relief | 33,169 | 76% |
| Closed with explanation | 10,714 | 24% |
TransUnion 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" (43,773). 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; Problem with a company's investigation into an existing problem. TX, 2024-09-03. Outcome: Closed with non-monetary relief. Complaint 9999314
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Credit reporting or other personal consumer reports; Incorrect information on your report. CA, 2024-09-03. Outcome: Closed with non-monetary relief. Complaint 9998897
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Credit reporting or other personal consumer reports; Incorrect information on your report. SC, 2024-09-04. Outcome: Closed with non-monetary relief. Complaint 9998561
If this is your problem at TransUnion
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
- Experian 43,774 servicemember complaints; 0% with money back
- Equifax 42,827 servicemember complaints; 0% with money back
- Lexisnexis 1,369 servicemember complaints; 0% with money back
- Discover 1,237 servicemember complaints; 5% with money back
- Affirm 733 servicemember complaints; 0% with money back
Next in the directory by volume: Navy Federal Credit Union.
Frequently asked questions
How many complaints did servicemembers file against TransUnion?
43,883 complaints tagged servicemember were received by the CFPB about TRANSUNION INTERMEDIATE HOLDINGS, 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 11,570 in 2023 to 17,870 in 2025.
What do servicemembers complain about most at TransUnion?
Credit reporting or other personal consumer reports accounts for 34,715 of the 43,883 complaints, and the most common issue is "Incorrect information on your report" (19,107). Next: "Improper use of your report" (14,001).
Does TransUnion give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 33,169 closed with non-monetary relief and 10,714 closed with an explanation only. TransUnion 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.