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Data / Consumer complaints / Merchants' Credit Guide Company

Merchants' Credit Guide Company: 128 CFPB consumer complaints in the last 3 years

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

Merchants' Credit Guide Company drew 128 consumer complaints in the CFPB database in the three years to November 6, 2026, and 731 since 2013. The largest group, 102, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 46. The company responded on time to 100.0% of the complaints, and 25.0% closed with monetary or other relief.

The request: Watch Merchants' Credit Guide Company: 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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  • 128Complaints, last 3 years
  • 731Complaints, all years
  • 100.0%Responded on time
  • 25.0%Closed with relief
  • 3Products
  • Oct 12, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 622
202528
202466
202373
202297
2021126
202080
201954
201878
201758
201627
201513
20144
20135

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 collection10279.7%
Credit reporting or other personal consumer reports2519.5%
Payday loan, title loan, personal loan, or advance loan10.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed4635.9%
Written notification about debt2519.5%
False statements or representation1713.3%
Improper use of your report118.6%
Incorrect information on your report107.8%
Communication tactics75.5%
Problem with a company's investigation into an existing problem43.1%
Took or threatened to take negative or legal action43.1%
Electronic communications32.3%
Unexpected fees10.8%

How the company responded

Company responseComplaintsShare
Closed with explanation9675%
Closed with non-monetary relief3225%

States

StateComplaintsShare
Illinois7256.2%
Michigan129.4%
Florida86.2%
Texas86.2%
California43.1%
Indiana43.1%
Kansas43.1%
Ohio43.1%
Georgia32.3%
Wisconsin21.6%
Alabama10.8%
Arizona10.8%
Colorado10.8%
Oregon10.8%
Tennessee10.8%
Virginia10.8%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 12, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
September 15, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
August 8, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
August 7, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
August 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 4, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
June 15, 2026Payday loan, title loan, personal loan, or advance loanUnexpected feesClosed with non-monetary reliefconsumerfinance.gov
June 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 28, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 26, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
May 25, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
May 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 6, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
March 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
January 21, 2026Debt collectionCommunication tacticsClosed with non-monetary reliefconsumerfinance.gov
January 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 15, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 11, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 21, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
November 10, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 9, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 29, 2025Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
September 23, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 21, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 1, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 30, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with non-monetary reliefconsumerfinance.gov
July 30, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 10, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 15, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 23, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 1, 2025Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
April 1, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 26, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
March 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 27, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 21, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
February 17, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 13, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
February 10, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
February 4, 2025Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
January 20, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 20, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 18, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 11, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with non-monetary reliefconsumerfinance.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.