CFPB Consumer Complaint Profile
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
Consumers have filed 231 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
- 231
- Total complaints
- Above average
- 153
- Last 12 months
- 4.3%
- Timely response
- Bottom decile
- 29
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates sits at #827, with 231 complaints logged. On-time replies land at 4.3%, the 0th percentile for the 100+ complaint peer group.
- #827
- of 3,843 companies by volume
- 4.3%
- on time (0th pctile)
- Credit reporting or …
- most-complained product
- 29
- 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 & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
4.3% Among the lowest in the bottom 1% 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 47 in 2024 to 145 in 2025 (2024 → 2025).
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 |
|---|---|
| 2023 | 1 |
| 2024 | 47 |
| 2025 | 145 |
| 2026year in progress | 38 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
The CFPB Consumer Complaint Database has logged 231 complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates overall, with 153 of those filed in the trailing 12 months. Reports have come from consumers in 29 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates posts a 4.3% reply rate on forwarded complaints. 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. 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 & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates have?
231 complaints have been filed against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates with the CFPB overall - 153 of them in the past year.
Does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates respond to complaints on time?
CFPB complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates draw a 4.3% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?
The most complained-about product for Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?
Consumers most often cite "Incorrect information on your report" when complaining about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates; the full issue list with counts is above.
How do I file a complaint against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?
You can file a complaint against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates 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 & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has drawn CFPB complaints from 29 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.
Also handles Credit reporting or other personal consumer reports
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.