CFPB · Single-product concentration
Modern Adjustment Bureau
106 CFPB complaints · 84.9% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Modern Adjustment Bureau: 84.9% of 106 CFPB complaints sit in "Debt collection". Timely 97.2% · relief 22.6%. Allegations, not findings.
- Single-product concentration
- +240% filings 2014 to 2026
CFPB relief outcome brief
CCDB company modern-adjustment-bureau
22.6% relief · 97.2% timely · 106 filings · Debt collection
Same-product relief peers
Nearest relief peer: Worldwide Processing Group, LLC (22.6% relief)
Modern Adjustment Bureau closes 22.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Modern Adjustment Bureau scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (55/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
22.6% of complaints closed with relief to the consumer
Timely response
95 / 100 percentile-benchmarked
97.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
55 / 100 percentile-benchmarked
75.5% of complaints closed with an explanation to the consumer
How 106 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Modern Adjustment Bureau complaint mix by product
- Debt collection 90 84.9% – 24% relief
- Credit reporting 8 7.5% – 0% relief
- Credit reporting, 6 5.7% – 33% relief
- Vehicle loan 1 0.9% – 0% relief
- Consumer Loan 1 0.9% – 0% relief
How Modern Adjustment Bureau's 106 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 90 |
| Credit reporting or other personal consumer reports | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Vehicle loan or lease | 1 |
| Consumer Loan | 1 |
Concentrated filing states for Modern Adjustment Bureau
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 47.2% of this company's filings
Modern Adjustment Bureau rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 17
- +240% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 50 |
| CA | 48 |
| MI | 3 |
| GA | 2 |
| AZ | 1 |
| NV | 1 |
| OK | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 29 |
| Attempts to collect debt not owed | 26 |
| False statements or representation | 14 |
| Incorrect information on your report | 7 |
| Communication tactics | 5 |
| Improper contact or sharing of info | 5 |
| Written notification about debt | 4 |
| Disclosure verification of debt | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Cont'd attempts collect debt not owed | 3 |
| Improper use of your report | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Getting a loan or lease | 1 |
| Shopping for a loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 5 | 100% |
| 2015 | 5 | 100% |
| 2016 | 6 | 83.3% |
| 2017 | 5 | 80% |
| 2018 | 9 | 100% |
| 2019 | 1 | 100% |
| 2020 | 3 | 66.7% |
| 2021 | 2 | 100% |
| 2022 | 2 | 100% |
| 2023 | 4 | 100% |
| 2024 | 8 | 100% |
| 2025 | 39 | 100% |
| 2026 | 17 | 100% |
Source: CFPB Consumer Complaint Database
Modern Adjustment Bureau filings cluster in one product
Modern Adjustment Bureau's 106 logged complaints stay concentrated: only 7 states show a filing. Only 31.1% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2014 through 2026-06-16.
Modern Adjustment Bureau answers 97.2% of complaints inside the CFPB's tracked window and closes 75.5% with a written explanation. 22.6% 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 "Took or threatened to take negative or legal action."
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 Modern Adjustment Bureau.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Modern Adjustment Bureau: 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: 106.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.2%.
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 Modern Adjustment Bureau (97.2% timely; 22.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration