CFPB Consumer Complaint Profile
CRED Technologies dba cred.ai
46 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 46
- Total complaints
- Mid-range
- 7
- Last 12 months
- 97.8%
- Timely response
- Below median
- 18
- States affected
The verdict
CRED Technologies dba cred.ai ranks #1915 of 3,843 financial companies by CFPB complaint volume, with 46 complaints on record. It posts a 97.8% on-time response rate, the 46th percentile among companies with 100+ complaints.
- #1915
- of 3,843 companies by volume
- 97.8%
- on time (46th pctile)
- Credit card
- most-complained product
- 18
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
CRED Technologies dba cred.ai vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.8% Around the middle higher than 46% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 2 |
| 2022 | 6 |
| 2023 | 12 |
| 2024 | 15 |
| 2025 | 10 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CRED Technologies dba cred.ai
CRED Technologies dba cred.ai carries 46 complaints in the CFPB's database, 7 of them filed within the past 12 months. Consumers spanning 18 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Credit card," which sits at the top of the product breakdown. Inside that category, "Problem with a purchase shown on your statement" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against CRED Technologies dba cred.ai draw a 97.8% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 8.7%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CRED Technologies dba cred.ai have?
CRED Technologies dba cred.ai has 46 total consumer complaints filed with the CFPB, with 7 filed in the last 12 months.
Does CRED Technologies dba cred.ai respond to complaints on time?
CFPB complaints against CRED Technologies dba cred.ai draw a 97.8% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for CRED Technologies dba cred.ai?
The most complained-about product for CRED Technologies dba cred.ai is "Credit card." You can view the full product breakdown on this page.
What is the most common complaint issue with CRED Technologies dba cred.ai?
The most common issue reported by consumers about CRED Technologies dba cred.ai is "Problem with a purchase shown on your statement." All complaint issues are listed above with their counts.
How do I file a complaint against CRED Technologies dba cred.ai?
You can file a complaint against CRED Technologies dba cred.ai directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CRED Technologies dba cred.ai?
Consumers in 18 states and territories have filed complaints about CRED Technologies dba cred.ai with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Credit card
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.