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Credit cards

Problem with credit report or credit score

Consumers have filed 44 complaints about this, 1 in the last 12 months, against 29 companies. The most complained-about is Navy Federal Credit Union. Companies closed 0% of these with relief.

Companies with the most

All time.

In more detail

  • Incorrect information on your report3273%
  • Problem with a credit reporting company's investigation into an existing problem511%
  • Problem with fraud alerts or security freezes12%
  • Improper use of your report12%
  • Credit monitoring or identity theft protection services12%

By month

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Dec 16, 2025Navy Federal Credit UnionAuto loans & leasesProblem with credit report or credit scoreIncorrect information on your reportCAExplainedYes
May 25, 2021Barclays USCredit cardsProblem with credit report or credit scoreProblem with a credit reporting company's investigation into an existing problemTXMoney backYes
May 18, 2021BMW Financial ServicesAuto loans & leasesProblem with credit report or credit scoreIncorrect information on your reportGAExplainedYes
May 13, 2021Specialized Loan ServicingMortgagesProblem with credit report or credit scoreIncorrect information on your reportNJExplainedYes
May 7, 2021Mr. CooperMortgagesProblem with credit report or credit scoreIncorrect information on your report-ExplainedYes
May 4, 2021NavientStudent loansProblem with credit report or credit scoreProblem with a credit reporting company's investigation into an existing problemIAExplainedYes
Apr 29, 2021CitibankCredit cardsProblem with credit report or credit scoreIncorrect information on your reportFLFixedYes
Apr 28, 2021TD BankBank accountsProblem with credit report or credit scoreIncorrect information on your reportNYMoney backYes
Apr 26, 2021Nissan Motor AcceptanceAuto loans & leasesProblem with credit report or credit scoreIncorrect information on your reportCAExplainedYes
Apr 16, 2021Bread FinancialCredit cardsProblem with credit report or credit scoreIncorrect information on your report-ExplainedYes
Apr 15, 2021Hyundai Capital AmericaAuto loans & leasesProblem with credit report or credit scoreIncorrect information on your reportNYExplainedYes
Apr 5, 2021JPMorgan ChaseAuto loans & leasesProblem with credit report or credit scoreIncorrect information on your reportPAExplainedYes
Apr 1, 2021Bread FinancialCredit cardsProblem with credit report or credit scoreIncorrect information on your reportGAExplainedYes
Apr 1, 2021Wells FargoMortgagesProblem with credit report or credit scoreProblem with fraud alerts or security freezesCAExplainedYes
Mar 23, 2021Bread FinancialCredit cardsProblem with credit report or credit scoreIncorrect information on your reportPAFixedYes

Your rights with credit card companies

Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.

Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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