CFPB · Narrative-heavy record
Credit Adjustments Inc
129 CFPB complaints · 45.7% with narratives · top issue Dealing with your lender or servicer.
Credit Adjustments Inc: 45.7% of 129 filings include consumer narratives. Timely 94.6% · relief 0.8% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +120% filings 2014 to 2021
CFPB relief outcome brief
CCDB company credit-adjustments-inc
0.8% relief · 94.6% timely · 129 filings · Debt collection
Same-product relief peers
Nearest relief peer: Cng Financial Corporation (0.8% relief)
Credit Adjustments Inc closes 0.8% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Credit Adjustments Inc's 129 filings include narrative text
45.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Credit Adjustments Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 21.7% of this company's filings
Credit Adjustments Inc rising annual filings
Annual filing volume from the CFPB public database
- 2021
- 11
- +120% vs 2014
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
Credit Adjustments Inc's narrative-rich complaint ledger
Credit Adjustments Inc's 129 logged complaints stay concentrated: only 32 states show a filing. 45.7% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credit Adjustments Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 129.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.6%.
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.
Data sourced from official public datasets for Credit Adjustments Inc (94.6% timely; 0.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record