CFPB Consumer Complaint Profile
Merchants Credit Bureau, Inc.
Behind the 95 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 95
- Total complaints
- Mid-range
- 19
- Last 12 months
- 76.8%
- Timely response
- Bottom decile
- 20
- States affected
The verdict
Merchants Credit Bureau, Inc. ranks #1357 of 3,843 financial companies by CFPB complaint volume, with 95 complaints on record. Its on-time response rate is 76.8%, the 8th percentile among companies with 100+ complaints.
- #1357
- of 3,843 companies by volume
- 76.8%
- on time (8th pctile)
- Debt collection
- most-complained product
- 20
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Merchants Credit Bureau, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
76.8% Among the lowest higher than 8% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 24 in 2024 to 14 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 3 |
| 2016 | 5 |
| 2017 | 3 |
| 2018 | 13 |
| 2019 | 2 |
| 2020 | 4 |
| 2021 | 7 |
| 2022 | 11 |
| 2023 | 1 |
| 2024 | 24 |
| 2025 | 14 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants Credit Bureau, Inc.
Merchants Credit Bureau, Inc. carries 95 complaints in the CFPB's database, 19 of them filed within the past 12 months. Consumers spanning 20 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Merchants Credit Bureau, Inc.'s timely response rate stands at 76.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response at a 9.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Merchants Credit Bureau, Inc. have?
The CFPB has logged 95 complaints against Merchants Credit Bureau, Inc. to date, of which 19 came in over the last 12 months.
Does Merchants Credit Bureau, Inc. respond to complaints on time?
Merchants Credit Bureau, Inc. has a 76.8% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Merchants Credit Bureau, Inc.?
Among all products tied to Merchants Credit Bureau, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Credit Bureau, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Merchants Credit Bureau, Inc. - see all issues and counts above.
How do I file a complaint against Merchants Credit Bureau, Inc.?
You can file a complaint against Merchants Credit Bureau, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Merchants Credit Bureau, Inc.?
Merchants Credit Bureau, Inc. has drawn CFPB complaints from 20 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants Credit Bureau, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (9.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Merchants Credit Bureau, Inc. have?
The CFPB has logged 95 complaints against Merchants Credit Bureau, Inc. to date, of which 19 came in over the last 12 months.
Does Merchants Credit Bureau, Inc. respond to complaints on time?
Merchants Credit Bureau, Inc. has a 76.8% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Merchants Credit Bureau, Inc.?
Among all products tied to Merchants Credit Bureau, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Credit Bureau, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Merchants Credit Bureau, Inc. - see all issues and counts above.
How do I file a complaint against Merchants Credit Bureau, Inc.?
You can file a complaint against Merchants Credit Bureau, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Merchants Credit Bureau, Inc.?
Merchants Credit Bureau, Inc. has drawn CFPB complaints from 20 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.