XX/XX/XXXX

1.9K consumer complaints across 863 companies

This page tracks consumer complaints about "XX/XX/XXXX" filed with the CFPB. 1,950 complaints mention this issue across 863 companies. The most affected product category is "XX/XX/XXXX".

1.9K
Total Complaints
863
Companies
XX/XX/XXXX
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 XX/XX/XXXX 746
2 XXXX 53
3 XXXX XXXX 24
4 and XX/XX/XXXX. 18
5 XX/XX/XXXX and XX/XX/XXXX. 12
6 and XX/XX/XXXX 12
7 XX/XX/XXXX. 12
8 under the Truth in Lending Act ( TILA 8
9 I am providing the following supporting evidence : Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i I am exercising my right under this section to dispute inaccurate information reported on my credit file. The reported late payment does not accurately reflect my payment history 7
10 the Fair Credit Reporting Act ( FCRA ) 6
11 AND XX/XX/XXXX ] Additionally 6
12 which is documented in the enclosed bank statements and payment confirmations. 6
13 XX/XX/XXXX ) 5
14 the Consumer Protection Act 5
15 the discrepancies in the Date Last Active '' and Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported. 5
16 XX/XX/XXXX.,,EQUIFAX 5
17 XX/XX/XXXX XX/XX/XXXX 5
18 and XX/XX/XXXX XXXX : Late payments for XX/XX/XXXX 5
19 there wasn't an error even though I sent a copy of the report to their dispute department. In addition 4
20 dates 4
21 paid on time. The consumer reporting agencies must ensure all reported information is accurate. 4
22 which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late 4
23 XXXX XXXX misrepresented the interest rate and monthly payments for the modification option. These are important parameters for reaching a decision. 4
24 a late payment of 30 4
25 and the statement for these months in question to compare for accuracy. It now reports 90-days late and does not seem accurate to documents and correspondence I have provided of that time. This email I have clearly indicates I would have been in some type of deferment during this time frame as they are only months apart 4
26 explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments 4
27 the incorrect date of last payment XXXX/XXXX/XXXX 4
28 causing hardship on education plans for my son and other life needs. 4
29 XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX 3
30 which require consistency between delinquency history and summary fields. 3
31 and a respect for the consumers right to privacy. ( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit 3
32 XXXX XXXX XXXX ( XX/XX/XXXX ) 3
33 XXXX XXXX XXXX XXXX XX/XX/XXXX ) 3
34 and should be fully removed no later than then 3
35 TransUnion failed to provide this proof. 3
36 specifically 15 U.S. Code 1605 3
37 XX/XX/XXXX Past Due : {$15000.00} 3
38 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX 3
39 XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX XXXX Creditor : XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX 3
40 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3
41 choosing to ignore all ( clear ) evidence of discrepancies 3
42 and XX/XX/XXXX Experian : Late payments for XX/XX/XXXX 3
43 XXXX responded that they do not find any errors on their part and are unable to change the credit reporting. 3
44 a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00} 3
45 and I am requesting a formal investigation and correction. 3
46 or XX/XX/XXXX 3
47 XX/XX/XXXX and XX/XX/XXXX ( XXXX ) I firmly believe this late payment is incorrect. Additionally 3
48 a late payment of XXXX 3
49 result in a misleading and inaccurate portrayal of my creditworthiness 3
50 XXXX XXXX 3

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "XX/XX/XXXX" Complaints

The CFPB public record contains 1,950 consumer complaints tagged with the issue "XX/XX/XXXX", distributed across 863 distinct companies that have been named as the respondent on at least one filing. That spread tells you whether the pattern is concentrated in a handful of firms or is a systemic theme across the market — an issue touching many companies often signals a structural friction in how a product category is sold, serviced, or collected on, rather than a single company's operational problem.

The most common product category where "XX/XX/XXXX" is raised is "XX/XX/XXXX". Product-to-issue pairings matter because the CFPB routes complaints to the appropriate federal or state regulator based on the financial product involved, and patterns inside a product category often mirror the specific consumer-protection rules that apply (TILA, RESPA, FCRA, FDCPA, EFTA, or state UDAP statutes, depending on the product). A high number of companies appearing against the same issue inside one product category is therefore a stronger signal than volume alone: it suggests the issue is a category-level risk worth studying.

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "XX/XX/XXXX" reflects consumer perception — not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "XX/XX/XXXX", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional — this page is informational only.

About this issue: "XX/XX/XXXX" is a consumer-reported issue category defined by the CFPB. Complaints are categorized based on the consumer's description of their problem. The presence of complaints does not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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