Total complaints
487
Filed since 2022
2026 data Public-data reference. official source
Credit Fresh Holdings Inc
487 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
487 consumer complaints filed with the CFPB
This profile shows Credit Fresh Holdings Inc's complaint history from CFPB public records. 487 consumers have filed complaints since 2022. The company has a 99.6% timely response rate and has provided relief in 0% of cases.
487
Total Complaints
99.6%
Timely Response
0%
Disputed
0%
Relief Provided
35
States Active
2022
Since
Timely response
99.6%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 99.6%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
Credit Fresh Holdings Inc complaint mix by product
- Debt collection 186 38.4% – 0% relief
- Payday loan, 162 33.4% – 0% relief
- Credit reporting 107 22.1% – 0% relief
- Payday loan, 16 3.3% – 0% relief
- Credit card 6 1.2% – 0% relief
- Credit reporting, 6 1.2% – 0% relief
- Money transfer, 2 0.4% – 0% relief
How Credit Fresh Holdings Inc's 487 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 186 |
| Payday loan, title loan, personal loan, or advance loan | 162 |
| Credit reporting or other personal consumer reports | 107 |
| Payday loan, title loan, or personal loan | 16 |
| Credit card | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Money transfer, virtual currency, or money service | 2 |
| Mortgage | 1 |
| Debt or credit management | 1 |
Top States
| State | Complaints |
|---|---|
| FL | 100 |
| TX | 95 |
| AZ | 33 |
| SC | 29 |
| MI | 28 |
| OH | 28 |
| WA | 20 |
| TN | 14 |
| GA | 13 |
| IN | 12 |
| PA | 10 |
| NC | 9 |
| AL | 9 |
| AR | 9 |
| NJ | 8 |
| LA | 8 |
| MS | 7 |
| OK | 6 |
| WI | 6 |
| IL | 6 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 90 |
| Incorrect information on your report | 78 |
| Took or threatened to take negative or legal action | 77 |
| Attempts to collect debt not owed | 30 |
| Problem with a company's investigation into an existing problem | 29 |
| Struggling to pay your loan | 28 |
| Communication tactics | 26 |
| Written notification about debt | 22 |
| Problem with the payoff process at the end of the loan | 18 |
| Threatened to contact someone or share information improperly | 17 |
| Problem when making payments | 17 |
| Improper use of your report | 14 |
| False statements or representation | 12 |
| Problem with additional add-on products or services | 5 |
| Getting the loan | 3 |
| Getting a line of credit | 3 |
| Credit monitoring or identity theft protection services | 3 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 2 |
| Electronic communications | 2 |
| Fees or interest | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 15 | 100% |
| 2023 | 40 | 100% |
| 2024 | 101 | 100% |
| 2025 | 222 | 99.5% |
| 2026 | 109 | 99.1% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Credit Fresh Holdings Inc
Credit Fresh Holdings Inc has accumulated 487 consumer complaints in the CFPB public database, with filings active across 35 U.S. states. Of those submissions, 141 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2022, and the most recent logged activity is 2026-04-06, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Credit Fresh Holdings Inc reports a 99.6% timely-response rate and has closed 100% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Charged fees or interest you didn't expect".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Credit Fresh Holdings Inc: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 Fresh Holdings Inc have?
Credit Fresh Holdings Inc has received 487 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Credit Fresh Holdings Inc respond to complaints on time?
Credit Fresh Holdings Inc has a 99.6% timely response rate to CFPB complaints.
What is the most common complaint about Credit Fresh Holdings Inc?
The most common issue reported against Credit Fresh Holdings Inc is "Charged fees or interest you didn't expect" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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