CFPB · Mid-pack CFPB posture
Merchants Credit Bureau, Inc.
112 CFPB complaints · 21 states · top issue Attempts to collect debt not owed.
Merchants Credit Bureau, Inc. has 112 consumer complaints in the CFPB public database. Timely response is 80.4%; 0.9% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +2100% filings 2013 to 2026
CFPB relief outcome brief
CCDB company merchants-credit-bureau-inc
0.9% relief · 80.4% timely · 112 filings · Debt collection
Same-product relief peers
Nearest relief peer: Sunrise Credit Services, Inc (0.9% relief)
Merchants Credit Bureau, Inc. closes 0.9% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 112 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.
Merchants Credit Bureau, Inc. complaint mix by product
- Debt collection 78 69.6% – 1% relief
- Credit reporting 22 19.6% – 0% relief
- Credit reporting, 12 10.7% – 0% relief
How Merchants Credit Bureau, Inc.'s 112 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 78 |
| Credit reporting or other personal consumer reports | 22 |
| Credit reporting, credit repair services, or other personal consumer reports | 12 |
Concentrated filing states for Merchants Credit Bureau, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 56.3% of this company's filings
Merchants Credit Bureau, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 22
- +2100% vs 2013
Top States
| State | Complaints |
|---|---|
| GA | 63 |
| SC | 19 |
| FL | 5 |
| WA | 2 |
| NC | 2 |
| CA | 2 |
| KY | 2 |
| TX | 2 |
| MD | 2 |
| MS | 1 |
| VA | 1 |
| IL | 1 |
| MO | 1 |
| MA | 1 |
| PR | 1 |
| WI | 1 |
| PA | 1 |
| KS | 1 |
| CO | 1 |
| OH | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 27 |
| Written notification about debt | 20 |
| Improper use of your report | 16 |
| Incorrect information on your report | 13 |
| False statements or representation | 13 |
| Took or threatened to take negative or legal action | 8 |
| Cont'd attempts collect debt not owed | 5 |
| Communication tactics | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Threatened to contact someone or share information improperly | 1 |
| Disclosure verification of debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 0% |
| 2014 | 2 | 100% |
| 2015 | 3 | 66.7% |
| 2016 | 5 | 60% |
| 2017 | 3 | 66.7% |
| 2018 | 13 | 46.2% |
| 2019 | 2 | 0% |
| 2020 | 4 | 0% |
| 2021 | 7 | 42.9% |
| 2022 | 11 | 100% |
| 2023 | 1 | 100% |
| 2024 | 24 | 100% |
| 2025 | 14 | 100% |
| 2026 | 22 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Merchants Credit Bureau, Inc.
Merchants Credit Bureau, Inc.'s 112 logged complaints stay concentrated: only 21 states show a filing. Only 33.9% 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 2026-06-25.
Merchants Credit Bureau, Inc. answers 80.4% of complaints inside the CFPB's tracked window and closes 98.2% with a written explanation. 0.9% 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 Merchants Credit Bureau, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants Credit Bureau, 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: 112.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 80.4%.
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 Merchants Credit Bureau, Inc. (80.4% timely; 0.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture