CFPB · Single-product concentration
Head Mercantile Co., Inc.
180 CFPB complaints · 77.2% in "Debt collection" · top issue Attempts to collect debt not owed.
Head Mercantile Co., Inc.: 77.2% of 180 CFPB complaints sit in "Debt collection". Timely 96.1% · relief 0%. Allegations, not findings.
- Single-product concentration
- +266.7% filings 2014 to 2026
CFPB relief outcome brief
CCDB company head-mercantile-co-inc
0% relief · 96.1% timely · 180 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Head Mercantile Co., Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Head Mercantile Co., Inc. scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
93 / 100 percentile-benchmarked
96.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Head Mercantile Co., Inc.'s 180 filings include narrative text
43.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Head Mercantile Co., Inc. complaint mix by product
- Debt collection 139 77.2% – 0% relief
- Credit reporting 20 11.1% – 0% relief
- Credit reporting, 20 11.1% – 0% relief
- Mortgage 1 0.6% – 0% relief
How Head Mercantile Co., Inc.'s 180 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 139 |
| Credit reporting or other personal consumer reports | 20 |
| Credit reporting, credit repair services, or other personal consumer reports | 20 |
| Mortgage | 1 |
Concentrated filing states for Head Mercantile Co., Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 40.6% of this company's filings
Head Mercantile Co., Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 11
- +266.7% vs 2014
Top States
| State | Complaints |
|---|---|
| OH | 73 |
| MS | 47 |
| LA | 17 |
| FL | 16 |
| GA | 12 |
| AL | 3 |
| MO | 2 |
| MI | 2 |
| TX | 2 |
| IA | 1 |
| SC | 1 |
| AK | 1 |
| NY | 1 |
| PA | 1 |
| AR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 52 |
| Written notification about debt | 41 |
| Incorrect information on your report | 25 |
| False statements or representation | 20 |
| Problem with a company's investigation into an existing problem | 11 |
| Took or threatened to take negative or legal action | 10 |
| Communication tactics | 6 |
| Disclosure verification of debt | 4 |
| Cont'd attempts collect debt not owed | 3 |
| Electronic communications | 2 |
| Improper use of your report | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Threatened to contact someone or share information improperly | 1 |
| Struggling to pay mortgage | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 3 | 66.7% |
| 2015 | 3 | 33.3% |
| 2017 | 3 | 100% |
| 2018 | 7 | 85.7% |
| 2019 | 9 | 100% |
| 2020 | 23 | 100% |
| 2021 | 33 | 100% |
| 2022 | 17 | 100% |
| 2023 | 12 | 100% |
| 2024 | 26 | 100% |
| 2025 | 33 | 90.9% |
| 2026 | 11 | 100% |
Source: CFPB Consumer Complaint Database
Head Mercantile Co., Inc. filings cluster in one product
Head Mercantile Co., Inc.'s 180 logged complaints stay concentrated: only 15 states show a filing. 43.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-04-15.
Head Mercantile Co., Inc. answers 96.1% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Head Mercantile Co., Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Head Mercantile Co., Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 180.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.1%.
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.
Data sourced from official public datasets for Head Mercantile Co., Inc. (96.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration