Total complaints
163
Filed since # #
2026 data Public-data reference. official source
incomplete
163 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
163 consumer complaints filed with the CFPB
This profile shows incomplete's complaint history from CFPB public records. 163 consumers have filed complaints since # # . The company has a 0% timely response rate and has provided relief in 0% of cases.
163
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
78
States Active
# #
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.
incomplete complaint mix by product
- in a 17 34.0% – 0% relief
- consumer reporting 7 14.0% – 0% relief
- in a 7 14.0% – 0% relief
- as required 6 12.0% – 0% relief
- TX. XXXX 5 10.0% – 0% relief
- I am 4 8.0% – 0% relief
- that i 4 8.0% – 0% relief
How incomplete's 163 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| in a lawsuit filed against Equifax | 17 |
| consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally | 7 |
| in a lawsuit filed against Experian | 7 |
| as required by law. I have previously requested the immediate blocking and removal of all fraudulent information | 6 |
| TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX | 5 |
| I am exercising my rights under : - FCRA Section 609 ( a ) ( 1 ) : The right to request and receive full disclosure of all information in my file | 4 |
| that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report | 4 |
| 611 ) | 3 |
| delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ) | 3 |
| TX XXXX ( XXXX ) ( XXXX ) * * Date : * * XX/XX/year> * * To : * * [ XXXXnsert Credit Bureau Name ] [ Insert Address of Credit Bureau ] -- - * * Subject : Formal Complaint and Request for Removal of Inaccurate and Unverified Accounts Under 15 U.S.C. 1681 * * To Whom It May Concern | 3 |
| XXXX XXXX XXXX XXXX : Formal Dispute to Equifax XXXX XXXX XXXX XXXX XXXX XXXX | 3 |
| XXXX XXXX | 3 |
| PA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX | 3 |
| complete | 3 |
| you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore | 3 |
| Experian | 3 |
| Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition | 3 |
| the FCRA mandates that data furnisherssuch as lenders or creditorsmust only report accurate information to credit reporting agencies. If an error is identified | 3 |
| including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically | 3 |
| and you continue to report unverifiable derogatory information in violation of 15 U.S.C. 1681i | 3 |
| including the signed contract | 2 |
| confusion | 2 |
| 15 U.S.C. 1681s2 ( b ) : * * Upon CRA notice of dispute | 2 |
| time spent | 2 |
| according to the FCRA | 2 |
| on XX/XX/2018 | 2 |
| XXXX Important dates Inquiry date XX/XX/XXXX I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature | 2 |
| and its accuracy | 2 |
| I would like to bring to your attention that it has not been verified to meet the necessary reporting standards. Its accuracy | 2 |
| any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title | 2 |
| as stated by XXXX | 1 |
| under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) | 1 |
| recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns about Equifaxs failure to conduct proper investigations. In a recent lawsuit | 1 |
| recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX XXXX failure to conduct proper investigations. Specifically | 1 |
| I have identified such as XXXX. XXXX XXXX | 1 |
| TX XXXX Formal Dispute of Inaccurate | 1 |
| service | 1 |
| letters | 1 |
| imperfect information has no place in your database or on my credit report so please delete it now Also | 1 |
| recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding XXXX XXXX failure to conduct proper investigations. Specifically | 1 |
| XX/XX/XXXX 2025 | 1 |
| XXXX | 1 |
| as well as what I believe to be not only incorrect amounts | 1 |
| which have brought to light serious concerns regarding Equifaxs repeated failure to perform legitimate investigations. In a lawsuit filed against Equifax | 1 |
| XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( XXXX ) | 1 |
| 15 | 1 |
| thus far | 1 |
| YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY | 1 |
| BASED ON THE RESULTS OF THE REINVESTIGATION TO paid as agreed | 1 |
| if a consumer disputes information on their credit report | 1 |
| XXXX ( XXXX ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} ( TransUnion ) | 1 |
| recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed against Equifax | 1 |
| these reporting failures constitute violations of CALIFORNIA STATE LAW | 1 |
| XX/XX/XXXX ) | 1 |
| Experian is obligated to conduct a full | 1 |
| Equifax is legally required to maintain maximum possible accuracy in the personal identifying information it reports. However | 1 |
| I noticed the following addresses which are either outdated or not associated with me : XXXX XXXX XXXX XXXX | 1 |
| XXXX XXXX submitted a response back in writing after their investigation indicating the following : There are no delinquencies reporting for the month ( s ) of ( XXXX XX/XX/XXXX ). Overall | 1 |
| Experian has failed to remove or correct the following accounts | 1 |
| incomplete | 1 |
| Equifax has failed to remove or correct the following accounts | 1 |
| including conducting a reasonable investigation | 1 |
| I challenged multiple categories of information including incorrect personal identifiers ( names | 1 |
| it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 15 U.S. Code ss 1681 e ( b ) | 1 |
| completeness | 1 |
| the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair | 1 |
| XXXX ( Equifax ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} XXXX XXXX ) | 1 |
| as inaccurate reporting and unauthorized inquiries directly harm my financial reputation and violate my statutory rights. I demand that all inaccuracies be corrected or removed promptly and that I receive written confirmation of these corrections. I expect the credit bureaus to conduct a thorough investigation | 1 |
| financial | 1 |
| including [ e.g. | 1 |
| and accounts that are Un-Verified. According to the Fair Credit Reporting Act | 1 |
| Account Number : XXXX Account Name : XXXX XXXX | 1 |
| Equifax has failed to provide a response | 1 |
| a valid police report | 1 |
| it is illegal for a consumer reporting agency like XXXX XXXX to report any information about a consumer 's creditworthiness | 1 |
| I would like to bring to your attention that your agency | 1 |
| recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. In a lawsuit filed against Equifax | 1 |
| the vehicle model and material loan disclosures were misrepresented. The co-signer did not receive full and accurate information about the financing terms | 1 |
| TransUnion has failed to provide a response | 1 |
| originally from XXXXXXXX XXXX XXXX XXXXXXXX | 1 |
| I would like to bring to your attention the following items on my credit report | 1 |
| I initiated written disputes with XXXX | 1 |
| in a lawsuit filed against XXXX | 1 |
| these inquiries violate the requirements for permissible purpose | 1 |
Top States
| State | Complaints |
|---|---|
| or unverifiable | 13 |
| or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. | 10 |
| or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.,,EQUIFAX | 7 |
| or can not be verified | 6 |
| or unverifiable. | 6 |
| or unsupported material be updated as agreed this payment history. Else | 6 |
| or unverifiable information. Inaccurate | 5 |
| or unverifiable information within 30 days of receiving a dispute. | 5 |
| or unverifiable information and request - FCRA Section 605B : The right to block or remove information resulting from identity theft or unauthorized These entries are causing significant harm to my creditworthiness. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 and formally requesting a full reinvestigation into these accounts. If the accounts can not be verified with complete and accurate documentation from the original creditors | 4 |
| and unverified information be deleted immediately! | 4 |
| or unverifiable information within 30 days of the dispute being filed. | 4 |
| untrue | 4 |
| or unverifiable data. | 3 |
| or unsupported material be update as agreed this payment history. Else | 3 |
| and unverifiable information within 30 days. | 3 |
| or unverifiable must be promptly deleted or corrected.,,EQUIFAX | 3 |
| or unsupported material be updated as agreed in this payment history. Else | 3 |
| or can not be verified. The creditors have also violated Section 128 of TILA | 3 |
| and damaging information | 3 |
| and unverifiable reporting. | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| the data provided is not always accurate | 12 |
| violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) | 11 |
| violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) | 10 |
| I am entitled to receive all relevant documentation used to substantiate the reporting of these accounts | 7 |
| incomplete | 5 |
| complete | 4 |
| current | 4 |
| through email | 4 |
| 809 ) | 3 |
| outdated | 3 |
| GA XXXX VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED Subject : Formal Demand for Reinvestigation and Deletion of Inaccurate Information Dear Equifax | 3 |
| XXXX XXXX addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | 3 |
| and validated. As per applicable consumer laws | 3 |
| balance | 3 |
| requesting that this inaccurate and unverifiable account be deleted per FCRA 1681i ( a ) ( 5 ) ( A ) | 3 |
| I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Error Description : OWNERSHIP Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) | 3 |
| which requires them to report accurate and complete information to credit bureaus | 3 |
| late-payment history | 3 |
| ownership records | 2 |
| making it harder to obtain loans | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About incomplete
incomplete has accumulated 163 consumer complaints in the CFPB public database, with filings active across 78 U.S. states. Of those submissions, 131 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 # # , and the most recent logged activity is they put n, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, incomplete 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 "in a lawsuit filed against Equifax", and the single most common underlying issue is "the data provided is not always accurate".
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 incomplete: 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 incomplete have?
incomplete has received 163 consumer complaints filed with the Consumer Financial Protection Bureau.
Does incomplete respond to complaints on time?
incomplete has a 0% timely response rate to CFPB complaints.
What is the most common complaint about incomplete?
The most common issue reported against incomplete is "the data provided is not always accurate" in the "in a lawsuit filed against Equifax" product category.
Read our methodology — how this data is sourced, computed, and verified.
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