CFPB · Narrative-heavy record
Credit Fresh Holdings Inc
736 CFPB complaints · 41.2% with narratives · top issue Charged fees or interest you didn't expect.
Credit Fresh Holdings Inc: 41.2% of 736 filings include consumer narratives. Timely 99.6% · relief 0% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +1420% filings 2022 to 2026
CFPB relief outcome brief
CCDB company credit-fresh-holdings-inc
0% relief · 99.6% timely · 736 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Credit Fresh Holdings Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Credit Fresh Holdings Inc's 736 filings include narrative text
41.2% 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 Fresh Holdings Inc complaint mix by product
- Debt collection 273 37.2% – 0% relief
- Payday loan, 252 34.3% – 0% relief
- Credit reporting 168 22.9% – 0% relief
- Payday loan, 23 3.1% – 0% relief
- Credit reporting, 8 1.1% – 0% relief
- Credit card 8 1.1% – 0% relief
- Money transfer, 2 0.3% – 0% relief
How Credit Fresh Holdings Inc's 736 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 273 |
| Payday loan, title loan, personal loan, or advance loan | 252 |
| Credit reporting or other personal consumer reports | 168 |
| Payday loan, title loan, or personal loan | 23 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Credit card | 8 |
| Money transfer, virtual currency, or money service | 2 |
| Mortgage | 1 |
| Debt or credit management | 1 |
Where Credit Fresh Holdings Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 21.1% of this company's filings
Credit Fresh Holdings Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 228
- +1420% vs 2022
Top States
| State | Complaints |
|---|---|
| TX | 155 |
| FL | 143 |
| AZ | 50 |
| OH | 40 |
| SC | 40 |
| MI | 37 |
| WA | 31 |
| AL | 21 |
| IN | 18 |
| TN | 18 |
| NC | 18 |
| PA | 16 |
| GA | 16 |
| NJ | 15 |
| AR | 14 |
| IL | 12 |
| OK | 11 |
| LA | 10 |
| MS | 9 |
| KY | 8 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 158 |
| Incorrect information on your report | 115 |
| Took or threatened to take negative or legal action | 115 |
| Attempts to collect debt not owed | 51 |
| Problem with a company's investigation into an existing problem | 41 |
| Communication tactics | 37 |
| Struggling to pay your loan | 36 |
| Improper use of your report | 27 |
| Written notification about debt | 26 |
| Problem with the payoff process at the end of the loan | 23 |
| Threatened to contact someone or share information improperly | 22 |
| Problem when making payments | 22 |
| False statements or representation | 18 |
| Problem with additional add-on products or services | 9 |
| Getting a line of credit | 5 |
| Credit monitoring or identity theft protection services | 4 |
| Electronic communications | 4 |
| Getting the loan | 3 |
| Getting a credit card | 2 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 15 | 100% |
| 2023 | 55 | 100% |
| 2024 | 135 | 100% |
| 2025 | 303 | 99.3% |
| 2026 | 228 | 99.6% |
Source: CFPB Consumer Complaint Database
Credit Fresh Holdings Inc's narrative-rich complaint ledger
Credit Fresh Holdings Inc's 736 logged complaints stay concentrated: only 37 states show a filing. 41.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-06-25.
Credit Fresh Holdings Inc answers 99.6% of complaints inside the CFPB's tracked window and closes 98.5% with a written explanation. 0% 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 "Charged fees or interest you didn't expect."
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 Fresh Holdings Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credit Fresh Holdings 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: 736.
- Capital Management Services, LP Δ 1 complaints · 0.5% relief 737complaints
- LendingPoint Holdings LLC Δ 1 complaints · 14% relief 737complaints
- Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch Δ 1 complaints · 14.1% relief 735complaints
- Io, Inc. Δ 5 complaints · 1.9% relief 741complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.6%.
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 Fresh Holdings Inc (99.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record