CFPB Consumer Complaint Profile

Credit Adjustments Inc

Consumers have filed 129 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

129
Total complaints
0
Last 12 months
94.6%
Timely response
32
States affected

The verdict

129 CFPB complaints put Credit Adjustments Inc at #1189 out of 3,848 financial companies ranked by complaint volume. 94.6% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#1189
of 3,848 companies by volume
94.6%
answered on time
Student loan
most-complained product
32
states with complaints
Credit Adjustments Inc timely response rate 94.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Student loan - Federal student loan servicing 35
Debt collection - Federal student loan debt 26
Debt collection - Medical 19
Debt collection - I do not know 12
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 8
Debt collection - Medical debt 7
Debt collection - Federal student loan 6
Debt collection - Other (i.e. phone, health club, etc.) 5
Debt collection - Other debt 4
Debt collection - Private student loan debt 2

Top Issues

1.Dealing with your lender or servicer 24
2.Attempts to collect debt not owed 21
3.Cont'd attempts collect debt not owed 15
4.Written notification about debt 12
5.Disclosure verification of debt 9
6.Communication tactics 9
7.Struggling to repay your loan 8
8.False statements or representation 8
9.Incorrect information on your report 4
10.Problem with a credit reporting company's investigation into an existing problem 3

Complaints by Year

Year Complaints
2014 5
2015 7
2016 20
2017 17
2018 23
2019 30
2020 16
2021 11

Complaints by State (Top 15)

Ohio 28
Michigan 13
New York 9
Minnesota 8
California 7
Florida 6
New Jersey 5
Pennsylvania 5
Georgia 5
North Carolina 5
Texas 5
Connecticut 3
Washington 2
Massachusetts 2
Mississippi 2

Company Responses

Closed with explanation 128
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for Credit Adjustments Inc

The CFPB Consumer Complaint Database has logged 129 complaints against Credit Adjustments Inc overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 32 states and territories, making this a multi-regional complaint footprint. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Dealing with your lender or servicer" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Credit Adjustments Inc's timely response rate stands at 94.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. In 36.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0.8% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Credit Adjustments Inc have?

129 complaints have been filed against Credit Adjustments Inc with the CFPB overall - 0 of them in the past year.

Does Credit Adjustments Inc respond to complaints on time?

94.6% of the CFPB complaints against Credit Adjustments Inc get a response within the expected window.

What product generates the most complaints for Credit Adjustments Inc?

The most complained-about product for Credit Adjustments Inc is "Student loan." You can view the full product breakdown on this page.

What is the most common complaint issue with Credit Adjustments Inc?

The most common issue reported by consumers about Credit Adjustments Inc is "Dealing with your lender or servicer." All complaint issues are listed above with their counts.

How do I file a complaint against Credit Adjustments Inc?

You can file a complaint against Credit Adjustments 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 Credit Adjustments Inc?

Credit Adjustments Inc has drawn CFPB complaints from 32 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.