Data / Consumer complaints / National Credit Systems,Inc. / Credit reporting or other personal consumer reports

National Credit Systems,Inc.: 3,478 CFPB complaints about credit reporting or other personal consumer reports, last 3 years

Name: CFPB complaints about Credit reporting or other personal consumer reports against National Credit Systems,Inc.
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

National Credit Systems,Inc. drew 3,478 consumer complaints about credit reporting or other personal consumer reports in the CFPB database in the three years to November 6, 2026, 22.5% of its 15,435 complaints in that time. The most common issue was “Incorrect information on your report”. The company responded on time to 99.9% of them, and 0.0% closed with monetary or other relief.

The request: Watch National Credit Systems,Inc.: each new CFPB complaint about credit reporting or other personal consumer reports by issue, with the date and the company response. $10 of work on sign-up, no card.

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3,478Complaints, last 3 years
22.5%Share of the company's complaints
99.9%Responded on time
0.0%Closed with relief
Oct 23, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

Period	Complaints	Share
12 months to Nov 6, 2026	1,531	44%
12 months to Nov 6, 2025	1,264	36.3%
12 months to Nov 6, 2024	683	19.6%

Issues

Issue	Complaints	Share
Incorrect information on your report	1,826	52.5%
Problem with a company's investigation into an existing problem	838	24.1%
Improper use of your report	702	20.2%
Problem with a company's investigation into an existing issue	74	2.1%
Identity theft protection or other monitoring services	15	0.4%
Credit monitoring or identity theft protection services	12	0.3%
Problem with fraud alerts or security freezes	10	0.3%
Unable to get your credit report or credit score	1	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	3,423	98.4%
In progress	55	1.6%

States

Where the consumers who complained live, as they gave it to the CFPB.

State	Complaints	Share
Texas	685	19.7%
Georgia	521	15%
Florida	405	11.6%
North Carolina	233	6.7%
South Carolina	150	4.3%
Ohio	113	3.2%
Illinois	105	3%
California	93	2.7%
Maryland	89	2.6%
New York	86	2.5%
Pennsylvania	84	2.4%
Alabama	81	2.3%
Louisiana	78	2.2%
Kentucky	71	2%
Michigan	70	2%
Tennessee	65	1.9%
Indiana	49	1.4%
Missouri	47	1.4%
Virginia	47	1.4%
Mississippi	44	1.3%
Nevada	40	1.2%
Arizona	39	1.1%
Colorado	38	1.1%
Arkansas	37	1.1%
New Jersey	28	0.8%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Product	Issue	Company response	Source
October 23, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 23, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Improper use of your report	In progress	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Improper use of your report	In progress	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 22, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Identity theft protection or other monitoring services	Closed with explanation	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Improper use of your report	In progress	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	In progress	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.