Credit Adjustments Inc
129 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Credit Adjustments Inc complaint mix by product
- Debt collection 83 64.3% – 1% relief
- Student loan 36 27.9% – 0% relief
- Credit reporting, 8 6.2% – 0% relief
- Credit reporting 1 0.8% – 0% relief
- Checking or 1 0.8% – 0% relief
How Credit Adjustments Inc's 129 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 83 |
| Student loan | 36 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Credit reporting | 1 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| OH | 28 |
| MI | 13 |
| NY | 9 |
| MN | 8 |
| CA | 7 |
| FL | 6 |
| PA | 5 |
| GA | 5 |
| TX | 5 |
| NJ | 5 |
| NC | 5 |
| CT | 3 |
| AL | 2 |
| AZ | 2 |
| MA | 2 |
| WA | 2 |
| MS | 2 |
| TN | 2 |
| KY | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 24 |
| Attempts to collect debt not owed | 21 |
| Cont'd attempts collect debt not owed | 15 |
| Written notification about debt | 12 |
| Communication tactics | 9 |
| Disclosure verification of debt | 9 |
| False statements or representation | 8 |
| Struggling to repay your loan | 8 |
| Incorrect information on your report | 4 |
| Dealing with my lender or servicer | 3 |
| Improper contact or sharing of info | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Taking/threatening an illegal action | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Took or threatened to take negative or legal action | 2 |
| Can't repay my loan | 1 |
| Incorrect information on credit report | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Problem caused by your funds being low | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 5 | 40% |
| 2015 | 7 | 100% |
| 2016 | 20 | 100% |
| 2017 | 17 | 94.1% |
| 2018 | 23 | 95.7% |
| 2019 | 30 | 93.3% |
| 2020 | 16 | 100% |
| 2021 | 11 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Credit Adjustments Inc
Credit Adjustments Inc's 129 logged complaints stay concentrated: only 32 states show a filing on record. 45.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2014 through 2021-10-29.
Credit Adjustments Inc answers 94.6% of complaints inside the CFPB's tracked window and closes 99.2% with a written explanation. 0.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Dealing with your lender or servicer."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Credit Adjustments Inc.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Credit Adjustments Inc have?
129, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Credit Adjustments Inc respond to complaints on time?
94.6% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Credit Adjustments Inc?
"Dealing with your lender or servicer", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.