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Data / Consumer complaints / Merchants Credit Bureau, Inc.

Merchants Credit Bureau, Inc.: 75 CFPB consumer complaints in the last 3 years

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

Merchants Credit Bureau, Inc. drew 75 consumer complaints in the CFPB database in the three years to November 6, 2026, and 127 since 2013. The largest group, 50, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 19. The company responded on time to 100.0% of the complaints, and 1.3% closed with monetary or other relief.

The request: Watch Merchants Credit Bureau, Inc.: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

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SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 75Complaints, last 3 years
  • 127Complaints, all years
  • 100.0%Responded on time
  • 1.3%Closed with relief
  • 2Products
  • Nov 3, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 637
202514
202424
20231
202211
20217
20204
20192
201813
20173
20165
20153
20142
20131

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection5066.7%
Credit reporting or other personal consumer reports2533.3%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1925.3%
Written notification about debt1418.7%
Improper use of your report1114.7%
Incorrect information on your report1114.7%
False statements or representation912%
Took or threatened to take negative or legal action79.3%
Problem with a company's investigation into an existing problem34%
Communication tactics11.3%

How the company responded

Company responseComplaintsShare
Closed with explanation7498.7%
Closed with monetary relief11.3%

States

StateComplaintsShare
Georgia5066.7%
South Carolina810.7%
North Carolina34%
Pennsylvania22.7%
California11.3%
Florida11.3%
Illinois11.3%
Kentucky11.3%
Massachusetts11.3%
Michigan11.3%
Missouri11.3%
Mississippi11.3%
Puerto Rico11.3%
Texas11.3%
Washington11.3%
Wisconsin11.3%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
November 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 14, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 12, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 18, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 31, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 19, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
February 12, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
February 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 9, 2026Debt collectionAttempts to collect debt not owedClosed with monetary reliefconsumerfinance.gov
January 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 29, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 11, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 12, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 4, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 1, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 19, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 17, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 12, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 24, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 29, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 7, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 1, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.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.