CFPB · Narrative-heavy record
CRED Technologies dba cred.ai
47 CFPB complaints · 76.6% with narratives · top issue Problem with a purchase shown on your statement.
CRED Technologies dba cred.ai: 76.6% of 47 filings include consumer narratives. Timely 97.9% · relief 8.5% · top product Credit card. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2021 to 2026
CFPB relief outcome brief
CCDB company cred-technologies-dba-cred-ai
8.5% relief · 97.9% timely · 47 filings · Credit card
Same-product relief peers
Nearest relief peer: Mercury Financial Intermediate LLC (6.2% relief)
CRED Technologies dba cred.ai closes 8.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of CRED Technologies dba cred.ai's 47 filings include narrative text
76.6% 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.
CRED Technologies dba cred.ai complaint mix by product
- Credit card 19 40.4% – 0% relief
- Checking or 15 31.9% – 20% relief
- Credit card 9 19.1% – 11% relief
- Prepaid card 2 4.3% – 0% relief
- Credit reporting, 1 2.1% – 0% relief
- Money transfer, 1 2.1% – 0% relief
How CRED Technologies dba cred.ai's 47 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card | 19 |
| Checking or savings account | 15 |
| Credit card or prepaid card | 9 |
| Prepaid card | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Money transfer, virtual currency, or money service | 1 |
Where CRED Technologies dba cred.ai complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 21.3% of this company's filings
CRED Technologies dba cred.ai complaints by year
Annual filing volume from the CFPB public database
- 2026
- 2
- 0% vs 2021
Top States
| State | Complaints |
|---|---|
| CA | 10 |
| TX | 9 |
| FL | 5 |
| NC | 3 |
| WA | 3 |
| NJ | 2 |
| AZ | 2 |
| PA | 2 |
| MO | 1 |
| ID | 1 |
| AL | 1 |
| KS | 1 |
| UT | 1 |
| GA | 1 |
| MD | 1 |
| OH | 1 |
| NY | 1 |
| IL | 1 |
| NV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem with a purchase shown on your statement | 14 |
| Managing an account | 10 |
| Trouble using your card | 4 |
| Closing your account | 3 |
| Other features, terms, or problems | 3 |
| Getting a credit card | 2 |
| Closing an account | 2 |
| Trouble using the card | 2 |
| Opening an account | 2 |
| Unexpected or other fees | 1 |
| Problem with a lender or other company charging your account | 1 |
| Advertising and marketing, including promotional offers | 1 |
| Incorrect information on your report | 1 |
| Fraud or scam | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 2 | 100% |
| 2022 | 6 | 100% |
| 2023 | 12 | 100% |
| 2024 | 15 | 100% |
| 2025 | 10 | 90% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
CRED Technologies dba cred.ai's narrative-rich complaint ledger
CRED Technologies dba cred.ai's 47 logged complaints stay concentrated: only 19 states show a filing. 76.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-04-14.
CRED Technologies dba cred.ai answers 97.9% of complaints inside the CFPB's tracked window and closes 91.5% with a written explanation. 8.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card" draws the most filings, most often for "Problem with a purchase shown on your statement."
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 CRED Technologies dba cred.ai.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CRED Technologies dba cred.ai: 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: 47.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.9%.
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 CRED Technologies dba cred.ai (97.9% timely; 8.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record