CFPB · Single-product concentration
Mercantile Adjustment Bureau, LLC
668 CFPB complaints · 88.9% in "Debt collection" · top issue Attempts to collect debt not owed.
Mercantile Adjustment Bureau, LLC: 88.9% of 668 CFPB complaints sit in "Debt collection". Timely 100% · relief 0.4%. Allegations, not findings.
- Single-product concentration
- +81% filings 2013 to 2025
CFPB relief outcome brief
CCDB company mercantile-adjustment-bureau-llc
0.4% relief · 100% timely · 668 filings · Debt collection
Same-product relief peers
Nearest relief peer: LJ Ross Associates (0.4% relief)
Mercantile Adjustment Bureau, LLC closes 0.4% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 668 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Mercantile Adjustment Bureau, LLC complaint mix by product
- Debt collection 594 89.5% – 1% relief
- Credit reporting, 42 6.3% – 0% relief
- Credit reporting 19 2.9% – 0% relief
- Credit card 3 0.5% – 0% relief
- Consumer Loan 3 0.5% – 0% relief
- Student loan 2 0.3% – 0% relief
- Debt or 1 0.2% – 0% relief
How Mercantile Adjustment Bureau, LLC's 668 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 594 |
| Credit reporting, credit repair services, or other personal consumer reports | 42 |
| Credit reporting or other personal consumer reports | 19 |
| Credit card | 3 |
| Consumer Loan | 3 |
| Student loan | 2 |
| Debt or credit management | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Checking or savings account | 1 |
| Vehicle loan or lease | 1 |
| Credit card or prepaid card | 1 |
Nationwide filing states for Mercantile Adjustment Bureau, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 25.4% of this company's filings
Mercantile Adjustment Bureau, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 38
- +81% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 170 |
| NY | 80 |
| OH | 45 |
| FL | 45 |
| NJ | 39 |
| CA | 36 |
| GA | 26 |
| PA | 25 |
| NC | 15 |
| VA | 13 |
| AZ | 12 |
| OR | 11 |
| MA | 11 |
| LA | 11 |
| MD | 10 |
| MI | 10 |
| SC | 9 |
| IL | 8 |
| CT | 8 |
| MO | 7 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 211 |
| Cont'd attempts collect debt not owed | 100 |
| Written notification about debt | 79 |
| Communication tactics | 69 |
| Disclosure verification of debt | 44 |
| False statements or representation | 43 |
| Incorrect information on your report | 36 |
| Took or threatened to take negative or legal action | 20 |
| Improper use of your report | 14 |
| Improper contact or sharing of info | 10 |
| Taking/threatening an illegal action | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 7 |
| Electronic communications | 5 |
| Threatened to contact someone or share information improperly | 5 |
| Problem with a company's investigation into an existing problem | 3 |
| Problems when you are unable to pay | 2 |
| Excessive fees | 1 |
| Didn't provide services promised | 1 |
| Confusing or missing disclosures | 1 |
| Dealing with my lender or servicer | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 21 | 100% |
| 2014 | 68 | 100% |
| 2015 | 57 | 100% |
| 2016 | 39 | 100% |
| 2017 | 47 | 100% |
| 2018 | 41 | 100% |
| 2019 | 49 | 100% |
| 2020 | 48 | 100% |
| 2021 | 40 | 100% |
| 2022 | 43 | 100% |
| 2023 | 99 | 100% |
| 2024 | 78 | 100% |
| 2025 | 38 | 100% |
Source: CFPB Consumer Complaint Database
Mercantile Adjustment Bureau, LLC filings cluster in one product
Mercantile Adjustment Bureau, LLC's 668 logged complaints reach a nationwide footprint - 44 states have at least one filing. Only 37% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2025-08-11.
Mercantile Adjustment Bureau, LLC answers 100% of complaints inside the CFPB's tracked window and closes 99.3% with a written explanation. 0.4% 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 Mercantile Adjustment Bureau, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Mercantile Adjustment Bureau, LLC: 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: 668.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Mercantile Adjustment Bureau, LLC (100% timely; 0.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration