TransUnion UK Reviews 457

TrustScore 1 out of 5

1.1

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Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. People express significant dissatisfaction with the business, particularly concerning payments and the overall service provided. Consumers report inaccuracies in their credit reports, such as incorrect payment records and the appearance of unfamiliar accounts. Many feel that the company's data is unreliable, leading to lower credit scores despite timely payments and responsible credit management. Reviewers also highlight issues with customer service and communication. Consumers find it difficult to get errors corrected, even after providing substantial proof. The contact process is seen as complicated and ineffective, with some consumers reporting that their requests are ignored or met with unhelpful responses. The consensus is that the business struggles to resolve issues efficiently, causing frustration and a lack of trust in their services.

Based on these reviews

Rated 1 out of 5 stars

Bad company these are used by our bank checked my s ore last week they marked I never payed a water bill got proof I e never missed any bills in my 51yrs even water company stated this . But credit un... See more

Rated 1 out of 5 stars

Totally scary! My problems started when I joined Nat West and completed a credit score which said` fair` whuich was in marked contrast to Experian and Equifax saying it was ` excellent`!... See more

Rated 1 out of 5 stars

TRANSUNION UK is a total Cowboy Organization running amok in our Country, without any Regulation from the FCA, who are turning a blind-eye - How can this happen? Having requested of this Cowboy fo... See more

Rated 1 out of 5 stars

Not worth one star! My credit history is perfect, never missed a payment for anything, or had anything mildly iffy related to me. All of a sudden my credit score is down for “no record of payment... See more

Rated 5 out of 5 stars

Excellent service: very swift, efficient and, above all, effective. Well above the standards one would expect when dealing with customer services. I am really grateful to Lucy for her responsivene... See more

Rated 1 out of 5 stars

I paid off both my credit cards with my bank, and instead of my credit scoring going back up, it went down. Not only that, but Transunion claim I opened a new account within the past six months, w... See more

Rated 1 out of 5 stars

I have never contacted TransUnion nor intend to. My experience with Experian and Equifax is of scores that reflect my long-term stability in maintaining credit accounts. I don't miss or delay payments... See more

Rated 1 out of 5 stars

Complained to TransUnion as EDF had put a default on my record. Sent transunion all the information proving without doubt the default was incorrect. They asked EDF who said it was correct. So they too... See more

Rated 1 out of 5 stars

This company they are lier they only reason they open this company to give people Headache stress even the credit score the report everything is not correct. You pay on time everything next time they... See more

Rated 1 out of 5 stars

It I could give them a zero I would. I closed a Bank account a year ago. They kept sending repeated messages regarding an update to my credit report. The bank concerned were apologetic and helpful. T... See more

Rated 1 out of 5 stars

They keep on misinforming my credit report and now i have started legal proceedings i have emailed numerous times but they ignore me. They have had multiple legal actions and have had to pay out huge... See more

Rated 1 out of 5 stars

I have continually informed Transunion that they are putting out incorrect information about my finances and they still haven’t corrected it,shocking to think how they can affect someone’s credit rati... See more

Rated 1 out of 5 stars

I am writing review as a creditor using Transunion services. The service is abominable and they do not fix problems when needed and create a ridiculously complicated multi layered platform and overzea... See more

Rated 1 out of 5 stars

If there was a minus I would use it! This dreadful organisation is aware that I am a victim of fraud when a loan was taken in my name. They have evidence in a letter yet fail to respond to me pleading... See more

Rated 1 out of 5 stars

I really don't understand this scoring agency. All my debs and credits payed on time. Using credit card on daily basis and paying back the very same week. 3 years registered in the same address. An... See more

Rated 1 out of 5 stars

What a useless company. CONTACT them several times about my credit report ,they had cross reference someone else with my details plus all their details were on my credit report. Lots of emails back a... See more

Rated 1 out of 5 stars

The information they hold is 6 years out of date. They have the wrong name on electoral role. They want all manner of documents to prove that its wrong. The other credit agencies have it correct so I... See more

Rated 1 out of 5 stars

28 Day SLA for support... Now day 76 with no resolution. Had one response on day 65 to say that there was no content to my email. It has their Support Ticket reference in it. Just trying to get... See more

Rated 1 out of 5 stars

I have somebody else's details on my credit report, as well as my own. They claim this is 'rare', and yet many others have the same issue. Just think, your details could be in somebody else's app, and... See more

Rated 1 out of 5 stars

Trans Union have failed to send me my credit report. The first person I spoke to got the information they needed and said it was on the way. After several weeks I rang again and said I was cross that... See more

Rated 1 out of 5 stars

This company has come out of nowhere, they have my credit rating as bad like they want me to purchase some plan with them but in fact my rating with Experian is the highest it can be. What an audio co... See more

Rated 1 out of 5 stars

It’s honestly shocking that a company as poorly organised and inefficient as TransUnion has so much control over people’s personal information. How can something this critical be in the hands of a... See more

Rated 1 out of 5 stars

Transunion. A completely unaccountable FCA approved rating agency. Thanks to Trust Pilot, it’s possible for users of their service to rate them. ‘1’ star is too generous. We must... See more

Rated 1 out of 5 stars

Transunion is an absolute Disgrace, I have been trying to work with this bunch of jokers for 4 years to have a bank account which isn't connected to me removed but they refuse to remove it. They shou... See more

Rated 1 out of 5 stars

If I could give a minus star I would. Absolutely irrelevant and incompetent company. I have continually informed Transunion that they are putting out incorrect information about my finances and they s... See more

Rated 1 out of 5 stars

They do lower your credit score in purposes ! Never bothered to correct even they have clearly make mistakes ! And after have excellent score on EQUAFIX is fair on TransUnion !!! Very unfair report an... See more

Rated 1 out of 5 stars

I checked my credit report with Equifax and Experian which has my data correct, and as I want a loan via MBNA I want my details correct. However there were anomalies flagged by TransUnion, the flagge... See more

Rated 1 out of 5 stars

Extremely inefficient service. Unfortunately my bank ( Lloyds) uses this service. Takes ages to respond to complaints. Totally agree with the 76% of bad reviews.

Rated 1 out of 5 stars

This company masquerades as an "agency" or bureau and that it is somehow fulfilling a statutory government obligation. It is not either. It’s a commercial entity and one that infringes U.K. & Eu... See more

Rated 1 out of 5 stars

I raised a dispute with Transunion on the 19th of March and i have been waiting for a feedback from them. Today being the 28th day, i call them and they tell me that they had received a feedback aft... See more

Rated 1 out of 5 stars

I have a CCJ on my credit report through TransUnion that isn’t even in my name. Clearly a different name but still continues to affect my score. And nothing is done when I try to raise disputes

Rated 1 out of 5 stars

Terrible service. It has added CCJs onto my account that aren’t even my name. When I try to dispute they tell me to find the person myself and ask them to write in to take the CCJs off me. Who would... See more

Rated 1 out of 5 stars

Useless and incorrect service. They have incorrect information on my file and even though I have gone through all of their channels to dispute this, nothing changes. Absolutely useless company

Rated 1 out of 5 stars

absolutely dreadful company - pay pal seriously need to DUMP this company - I've a credit record to die for - all 3 others I use I'm like 1000/1000 - 697/710 etc and these turned me down for pay in 3... See more

Rated 1 out of 5 stars

terrible credit agency. I track my score with Experian and it cannot get any higher 999 score. Then I apply for a loan and my bank informs me they are using TransUnion. Never even head of them. The... See more

Rated 1 out of 5 stars

How are these sc*mbags allowed to do what they do? Suddenly out of nowhere a default for o2 appeared on my credit score! Over £459! Who can rack up a mobile bill that aize these days when every contr... See more

Rated 1 out of 5 stars

No matter how many times I tell them that I registered on the Electoral Roll three and a half years ago when I moved to this address and have voted at every opportunity, they insist on telling my ban... See more

Rated 1 out of 5 stars

Won’t let me raise dispute as can’t verify me yet happily lets me log in. Balances don’t change for months. Websites just go round in circles so you give in

Rated 1 out of 5 stars

They are absolutely very very bad anything u try is going to be declined because of them They are the worst company I hate them

Rated 1 out of 5 stars

Incorrect information on my credit file if your going to to report credit information make sure its actually correct as this has a massive impact on the individual your reporting about..not trustworth... See more

Rated 1 out of 5 stars

I am absolutely disgusted by the tone and attitude in the email I received this morning from TransUnion. It was curt, defensive, and completely unprofessional. After formally requesting my st... See more

Rated 1 out of 5 stars

Unbelievable, never missed a payand got done for it. No customer service either!!!

Rated 1 out of 5 stars

I’ve had a very disappointing experience with TransUnion. Their customer service is slow to respond and not helpful when it comes to resolving credit report errors. I submitted documentation multi... See more

Rated 1 out of 5 stars

I've been checking my credit score over monzo, after reduced my debt credit 70% Transunion lowered my credit score, absolute unproffesional credit checker, they're completely...

Rated 1 out of 5 stars

Horrible company, should be closed down,been holding false information on my account and its going to be on my account until 2028,this has been on my account since 2017,terrible company, everything th... See more


1.1

Bad

TrustScore 1 out of 5

457 reviews

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Rated 1 out of 5 stars

This experience is one I’m sharing for…

This experience is one I’m sharing for awareness. Years ago, I placed most of my savings into an online platform that appeared stable and well-managed. For a long time, I had no reason to question it.

When I attempted to withdraw my investment, the process stalled. Communication became repetitive, and access to my funds remained uncertain for months.

Eventually, I came across 𝑉͟𝑒͟𝑟͟𝑖͟ 𝑇͟𝑟͟𝑎͟𝑖͟𝑙͟ 𝑖͟𝑛͟𝑡͟𝑒͟𝑙͟ through online discussions. Their guidance was realistic and structured. With patience and documentation, my funds were recovered. The experience emphasized the importance of careful risk assessment.

February 9, 2026
Unprompted review
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Rated 1 out of 5 stars

ridiculously complicated platform for users

I am writing review as a creditor using Transunion services. The service is abominable and they do not fix problems when needed and create a ridiculously complicated multi layered platform and overzealous password controls making access impossible for low volume users. Management need to take a hard look at themselves and fix this.

February 3, 2026
Unprompted review
Rated 1 out of 5 stars

Totally scary!

Totally scary!

My problems started when I joined Nat West and completed a credit score which said` fair` whuich was in marked contrast to Experian and Equifax saying it was ` excellent`!

I discovered they held elderly information on there which I challenged and they were reluctant to alter. Despite having an audit trail that proved my information is correct, they are still reducing my credit score.

They haven`t responded to my complaint and now I have flagged it again which will take another 6 weeks.

I`m now going to the Ombudsman to formally complain as I`m aware that when you need credit then there is no guarantee which company will carry out the credit check.

February 2, 2026
Unprompted review
Rated 1 out of 5 stars

It I could give them a zero I would!

It I could give them a zero I would. I closed a Bank account a year ago. They kept sending repeated messages regarding an update to my credit report. The bank concerned were apologetic and helpful. They advise me to send an email with specific detail. I did that 3 months ago. I asked them to stop. I made a formal complaint. Today I have had an email asking me for the detail I provided 3 months ago,.

February 2, 2026
Unprompted review
Rated 1 out of 5 stars

TRANSUNION UK is a total Cowboy…

TRANSUNION UK is a total Cowboy Organization running amok in our Country, without any Regulation from the FCA, who are turning a blind-eye - How can this happen?
Having requested of this Cowboy for a hard-copy of my "Credit Report", they and their CEO refuse to supply it, contrary to GDPR and other Regulations ?
The Cowboy's CEO is: Madhu.Kejriwal.
Need I say more ?

January 30, 2026
Unprompted review
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Rated 1 out of 5 stars

This company has come out of nowhere

This company has come out of nowhere, they have my credit rating as bad like they want me to purchase some plan with them but in fact my rating with Experian is the highest it can be. What an audio company you raise a dispute and it doesn’t even work. Total garbage. 🗑️

January 6, 2026
Unprompted review
Rated 1 out of 5 stars

Bad company these are used by our bank…

Bad company these are used by our bank checked my s ore last week they marked I never payed a water bill got proof I e never missed any bills in my 51yrs even water company stated this . But credit union say on my report I have. I’ve sent them proof an my water bill are waiting to see what they say as they want proof to why they put it against me when I owe nothing I’m always in credit .

October 20, 2025
Unprompted review
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Rated 1 out of 5 stars

28 Day SLA for support..

28 Day SLA for support... Now day 76 with no resolution.
Had one response on day 65 to say that there was no content to my email.
It has their Support Ticket reference in it.

Just trying to get my mortgage to appear on my report that I've had since Feb 2025...

December 17, 2025
Unprompted review
Rated 1 out of 5 stars

Much lower credit scores than given by competitors

I have never contacted TransUnion nor intend to. My experience with Experian and Equifax is of scores that reflect my long-term stability in maintaining credit accounts. I don't miss or delay payments and the summary information is usually wrong in more than one respect. TransUnion provide poor to fair ratings in contrast to excellent from other agencies. I feel TransUnion are disreputable and should not be able to hold and process personal data. Steer clear of them.

November 20, 2025
Unprompted review
Rated 1 out of 5 stars

Complained to TransUnion as EDF had put…

Complained to TransUnion as EDF had put a default on my record. Sent transunion all the information proving without doubt the default was incorrect. They asked EDF who said it was correct. So they took their side. Despite all the evidence showing otherwise.

November 19, 2025
Unprompted review
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Rated 1 out of 5 stars

I’ve had a very disappointing…


I’ve had a very disappointing experience with TransUnion. Their customer service is slow to respond and not helpful when it comes to resolving credit report errors. I submitted documentation multiple times to correct inaccurate information, but the issue was never properly addressed.
The online dispute process is confusing, and getting a live person to actually explain what’s going on is almost impossible. For a company that handles such sensitive personal and financial information, I expected much better accountability and communication.
Overall, I found the service unreliable and unprofessional. I would strongly advise TransUnion to improve their dispute handling and customer support systems people’s financial reputations depend on it.

October 16, 2025
Unprompted review
Rated 1 out of 5 stars

Transunion is very outdated and…

Transunion is very outdated and horrible, they connected my sisters bank and mine which is affecting my credit score terribly. I contacted them regarding my credit score and how low it is because of their faults claiming i am not on the electoral register when ive been on it since i was 18. They are completely useless and extremely rude.

October 29, 2025
Unprompted review
Rated 1 out of 5 stars

⭐ 1 Star – Appalled by the Conduct and Tone

I am absolutely disgusted by the tone and attitude in the email I received this morning from TransUnion. It was curt, defensive, and completely unprofessional.

After formally requesting my statutory credit report under the Consumer Credit Act 1974, TransUnion continue to misstate the law, claiming they have a full month to respond as though this were a general GDPR request. That is not true. HM Treasury have confirmed in writing that failing to provide a statutory credit report is a criminal offence, yet TransUnion have chosen to ignore that and shut down communication entirely.

Their handling of this matter shows total disregard for customer rights and for their own legal obligations. Ending a complaint email by refusing to communicate further while the issue remains unresolved is appalling.

This behaviour raises serious concerns about the company’s professionalism, accuracy, and compliance culture. I have now referred the case to the Information Commissioner’s Office and the Financial Ombudsman Service.

A company dealing with personal data should act with integrity and respect. TransUnion have done neither.

October 8, 2025
Unprompted review
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Rated 1 out of 5 stars

This company they are lier they only…

This company they are lier they only reason they open this company to give people Headache stress even the credit score the report everything is not correct. You pay on time everything next time they block you especially with Klaran I pay on time. I never miss my bill. Everything I pay on time but this trans union they are rubbish they don't want people to work nothing they block you from everywhere totally rubbish company

September 9, 2025
Unprompted review
Rated 1 out of 5 stars

Terrible service

Terrible service. It has added CCJs onto my account that aren’t even my name. When I try to dispute they tell me to find the person myself and ask them to write in to take the CCJs off me. Who would do that? This woman will just be happy they aren’t on her name.

Experian give me a score of 999/999 and I’m happy with that. TransUnion give me a low pathetic score and attach other people’s CCJs to me. I can see by all the other ratings that people don’t seem too keen on there. Especially getting in contact with them. It’s a joke!!!

August 24, 2025
Unprompted review
Rated 1 out of 5 stars

LIFE WRECKERS

How are these sc*mbags allowed to do what they do? Suddenly out of nowhere a default for o2 appeared on my credit score! Over £459! Who can rack up a mobile bill that aize these days when every contract comes with unlimited data roaming and minutes and texts! Tried disputing but TransUnion refused as they said theres no crime ref (?) wtf! Even if someone had used my details how would I have known as I only saw the default to day! If i was desperate I could never use o2 as the network never ever works within 20miles of here. 3 is the only network that gets a signal. I am furious theres no way of contacting Transunion without giving personal details on a long winded form which I will not do and here’s why.. did that a couple of years ago and within days had all these trying their luck debt people writing and calling.. all of the debts were unknown to anyone in this household. Also Transunion pass your details on to all these companies like Lowell and Moorcroft causing even more hassle. I am NOT showing wither my Spanish or UK passport to this company to prove who I am and o2 can shove it up their a$$.
NEVER TRUST TRANSUNION. It sickens me they are in charge of our credit financial system and get it wrong. Who do they think they are.

August 24, 2025
Unprompted review

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