Skip to the page
Get started free

Data / Consumer complaints / Merchants' Credit Guide Company / Debt collection

Merchants' Credit Guide Company: 102 CFPB complaints about debt collection, last 3 years

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

Merchants' Credit Guide Company drew 102 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 79.7% of its 128 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 100.0% of them, and 27.5% closed with monetary or other relief.

The request: Watch Merchants' Credit Guide Company: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

Watch this company's complaintsGet every company for this productGet debt collection in Illinois

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.

  • 102Complaints, last 3 years
  • 79.7%Share of the company's complaints
  • 100.0%Responded on time
  • 27.5%Closed with relief
  • Oct 12, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20262423.5%
12 months to Nov 6, 20252928.4%
12 months to Nov 6, 20244948%

Issues

IssueComplaintsShare
Attempts to collect debt not owed4645.1%
Written notification about debt2524.5%
False statements or representation1716.7%
Communication tactics76.9%
Took or threatened to take negative or legal action43.9%
Electronic communications32.9%

How the company responded

Company responseComplaintsShare
Closed with explanation7472.5%
Closed with non-monetary relief2827.5%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Illinois5553.9%
Michigan98.8%
Texas76.9%
Florida65.9%
Indiana43.9%
Kansas43.9%
Ohio43.9%
California32.9%
Georgia32.9%
Alabama11%
Colorado11%
Oregon11%
Tennessee11%
Virginia11%
Wisconsin11%

Latest 25 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
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

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.