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 2026-08-14
- 129
- Total complaints
- Mid-range
- 0
- Last 12 months
- 94.6%
- Timely response
- Below median
- 32
- States affected
The verdict
129 CFPB complaints put Credit Adjustments Inc at #1187 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 94.6%, the 28th percentile for the 100+ complaint peer group.
- #1187
- of 3,843 companies by volume
- 94.6%
- on time (28th pctile)
- Student loan
- most-complained product
- 32
- 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.
Credit Adjustments Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.6% Around the middle higher than 28% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
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. Resolved cases drew a formal consumer-dispute rate of 36.8% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.8% 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 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?
CFPB complaints against Credit Adjustments Inc draw a 94.6% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Adjustments 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 (36.8% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.