Total complaints
147
Filed since # XX
2026 data Public-data reference. official source
complete
147 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
147 consumer complaints filed with the CFPB
This profile shows complete's complaint history from CFPB public records. 147 consumers have filed complaints since # XX. The company has a 0% timely response rate and has provided relief in 0% of cases.
147
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
66
States Active
# XX
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
complete complaint mix by product
- XXXX 9 20.5% – 0% relief
- INTEGRITY means 7 15.9% – 0% relief
- in order 6 13.6% – 0% relief
- correctness 6 13.6% – 0% relief
- including Sections 6 13.6% – 0% relief
- INTEGRITY means 5 11.4% – 0% relief
- inaccurate 5 11.4% – 0% relief
How complete's 147 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| XXXX | 9 |
| INTEGRITY means that conclusions provided by a data furnisher to a CRA about an account OR OTHER RELATIONSHIP is ( 1 ) SUBSTANTIATED as reported WHEN REPORTED | 7 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street | 6 |
| correctness | 6 |
| including Sections 602 ( A ) | 6 |
| INTEGRITY means that conclusions provided by a data furnisher to a CRA about an account OR OTHER RELATIONSHIP XXXX ( XXXX ) SUBSTANTIATED as reported WHEN REPORTED | 5 |
| inaccurate | 5 |
| and this system is not adequately verifying information with creditors. Instead of conducting an in-depth review | 3 |
| last reported XXXX ) as reflected in my credit file. This reporting is inaccurate | 3 |
| subject to repayment terms. This is directly tied to the borrowers financial behavior and is reported to credit bureaus by the creditor. Courts dont report to directly to credit bureaus | 3 |
| one bureau shows the account as Charge-Off with a remaining balance | 3 |
| Account Number : XXXX XXXX. Account Name : XXXX XXXX | 3 |
| I was taken to court over this debt | 3 |
| XX/XX/XXXX ( Experian and Equifax ) Account Status : Paid | 3 |
| incompleteness | 3 |
| a consumer report does not include information that reflects solely transactions or experiences between a consumer and the person furnishing the information. If the alleged late payment is based on such internal transactions or experiences | 3 |
| original signed agreements | 3 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX XXXX XXXX | 3 |
| it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth | 3 |
| XXXX challenged the reporting of an account with XXXX XXXX XXXX XXXX XXXX which appeared closed with a XXXX balance but contained serious inconsistencies across bureaus regarding the account type | 3 |
| copies of my identification | 2 |
| Metro 2 | 2 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXX XXXX XXXX | 2 |
| No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX | 2 |
| incomplete | 2 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXXXXXX My Street | 2 |
| I received notice back that the data furnisher address | 2 |
| payment ledgers | 2 |
| credit standing | 2 |
| I request that the major credit reporting agencies ( XXXX | 2 |
| contradictory | 2 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX My Street | 2 |
| I hereby formally demand that Self Financial / Lead Bank provide the following within fifteen ( 15 ) calendar days of receipt : A copy of the original account application bearing my wet-ink ( handwritten ) signature not an electronic signature ; A sworn affidavit under penalty of perjury from an authorized officer of Self Financial / Lead Bank attesting : That they have personal knowledge of the accounts origination | 1 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX XXXX XXXX | 1 |
| the accounts and public records listed above are being reported inaccurately | 1 |
| completeness | 1 |
| much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws | 1 |
| this account violates multiple provisions of federal law and Metro 2 reporting standards | 1 |
| Experian has failed to conduct a reasonable reinvestigation and has continued to report inaccurate | 1 |
| including Sections XXXX ( A ) | 1 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXXXXXX My Street | 1 |
| and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX Any inconsistency | 1 |
| ( GAAP ) per 12 U.S.C. 1831n | 1 |
| XXXX XXXX XXXX XXXX | 1 |
| City | 1 |
| the attached statement clearly shows : A new balance of {$210.00} A minimum payment due of {$210.00} A payment due date of XX/XX/XXXX A past-due amount of {$210.00} Ongoing billing activity well after the reported closure date A closed and written-off account can not legally continue to generate billing statements | 1 |
| I request that the major credit reporting agencies ( Experian | 1 |
| balances | 1 |
| collectible | 1 |
| in fact | 1 |
| I XXXX XXXX/Consumer to XXXX am writing to dispute several incorrect/inaccurate | 1 |
| which appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ) | 1 |
| I received a call from my personal loan specialist | 1 |
| GA XXXX Wrong Address This is another false address attached to my profile. I never rented | 1 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXX My Street | 1 |
| but the reporting is inconsistent and unverifiable. The dates | 1 |
| as I C SYSTEM INC. This alleged debt was also previously removed from my credit profile when listed as the XXXX XXXX. Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit | 1 |
| including collection accounts | 1 |
| I XXXX XXXXConsumer to XXXX am writing to XXXX several incorrect/inaccurate | 1 |
| CA XXXX I dispute this address. I have never lived at or been affiliated with this location. The inaccurate reporting has caused my rental applications to be rejected | 1 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : Lakevin Madlock The last 4 of my SSN XXXX Birthday XX/XX/XXXX9 My Street | 1 |
| creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments | 1 |
| in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXXXXXX My Street | 1 |
| Street Name | 1 |
| I have not received : - Documentation of the repossession process | 1 |
| charge-offs | 1 |
| I XXXX XXXXConsumer to Transunion am writing to dispute several incorrect/inaccurate | 1 |
| a third-party debt buyer | 1 |
| I discovered a collection account reported by XXXX XXXX XXXX that I do not recognize | 1 |
| 15 U.S.C. 1681s-2 ( FCRA 623 ) | 1 |
| the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) | 1 |
| INTEGRITY means that dossiers provided by a data furnisher to a CRA about an account XXXX OTHER RELATIONSHIP is ( XXXX ) SUBSTANTIATED as reported WHEN REPORTED | 1 |
Top States
| State | Complaints |
|---|---|
| timely | 30 |
| and verifiable. | 9 |
| timely MUST BE PROMPTLY PROCESSED. The FEDERAL REPORTING LAWS including but NOT limited to the FCRA places significant RESPONSIBILITITY on BOTH the DATA FURNISHER ( XXXX ) AND CRA ( XXXX ) for ensurances that they have and abide by sure competent Practices | 5 |
| and timely manner as to not violate my consumer and civil rights. | 4 |
| timely MUST BE PROMPTLY PROCESSED. The FEDERAL REPORTING LAWS including but NOT limited to the FCRA places significant RESPONSIBILITITY on BOTH the DATA FURNISHER ( s ) AND CRA ( s ) for ensurances that they have and abide by sure competent Practices | 4 |
| and verifiable reporting under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines | 3 |
| and fair. | 3 |
| and timely reporting. | 3 |
| and verifiable information be maintained and that unverifiable entries be deleted. This entry also violates the Gramm-Leach-Bliley Act ( GLBA ) and XXXX XXXX Compliance Standards | 3 |
| and directly tied to financial obligations-not merely public records like court cases. If an alleged bankruptcy cant be verified to meet these strict requirements | 3 |
| and fully compliant with industry standards. | 3 |
| and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. | 3 |
| and verifiable. Recent lawsuits against both XXXX and Equifax have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. | 3 |
| and properly verified. | 3 |
| and consistent across all bureaus must be corrected or deleted.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 3 |
| correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT | 3 |
| and verifiable reporting across all data fields | 3 |
| and legally reportable. | 2 |
| and properly reported. | 2 |
| and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 datafield formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLIANT that your allegations ARE NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| State & Zip is : XXXX XXXX XXXX XXXX | 16 |
| XXXX | 8 |
| timeliness | 6 |
| 611 ( A ) | 6 |
| ( XXXX ) includes the befitting CREDIT LIMIT and REQUISITES OF MAINTAINING ACCURACY AND INTEGRITY AND CONSISTENCY of data REQUIRES FIRST that the substantiated data BE ACCURATE and NO subsequent change in the historic payment record UNLESS that payment history is INACCURATE ( so SHOULD HAVE NOT met criteria to report to begin with ). DATA MUST BE reported in a FACTUAL | 5 |
| incomplete | 5 |
| XXXX & Zip is : XXXX XXXX XXXX XXXX | 4 |
| ( 3 ) includes the befitting CREDIT LIMIT and REQUISITES OF MAINTAINING ACCURACY AND INTEGRITY AND CONSISTENCY of data REQUIRES FIRST that the substantiated data BE ACCURATE and NO subsequent change in the historic payment record UNLESS that payment history is INACCURATE ( so SHOULD HAVE NOT met criteria to report to begin with ). DATA MUST BE reported in a FACTUAL | 4 |
| even when the information is inaccurate | 3 |
| timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX | 3 |
| and unverifiable at its source. Child support enforcement agencies do not furnish data directly to the nationwide credit reporting agencies ; therefore | 3 |
| An alleged bankruptcy is a legal court case | 3 |
| Paid | 3 |
| Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX | 3 |
| yet the account persists with conflicting and incomplete reporting. This account is being willfully reported despite multiple errors | 3 |
| {$800.00} ( Equifax ) Credit Limit : {$800.00} Date of Last Payment : XX/XX/XXXX ( all bureaus ) Inaccuracies : 1. Erroneous Late Payment Status ( Experian ) : o The account has been reported as Late 90 Days '' on Experian | 3 |
| under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) | 3 |
| they continue to report negative information that damages my creditworthiness. These actions violate Sections 605 ( b ) | 3 |
| credit limits | 3 |
| This correspondence serves as a formal dispute of multiple inaccurate and unverifiable entries contained in my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About complete
complete has accumulated 147 consumer complaints in the CFPB public database, with filings active across 66 U.S. states. Of those submissions, 135 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to # XX, and the most recent logged activity is { 15 U.S.C, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, complete reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "XXXX", and the single most common underlying issue is "State & Zip is : XXXX XXXX XXXX XXXX".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating complete: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does complete have?
complete has received 147 consumer complaints filed with the Consumer Financial Protection Bureau.
Does complete respond to complaints on time?
complete has a 0% timely response rate to CFPB complaints.
What is the most common complaint about complete?
The most common issue reported against complete is "State & Zip is : XXXX XXXX XXXX XXXX" in the "XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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