CFPB Consumer Complaint Profile
Credit Fresh Holdings Inc
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 584
- Total complaints
- Above average
- 317
- Last 12 months
- 99.5%
- Timely response
- Above median
- 36
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Credit Fresh Holdings Inc places #461 by volume. For answering complaints on time it stands at the 72nd percentile in the 100+ complaint peer group.
- Payday loan, title l…
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Credit Fresh Holdings Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.5% Higher than most higher than 72% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 135 in 2024 to 303 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 15 |
| 2023 | 55 |
| 2024 | 135 |
| 2025 | 303 |
| 2026year in progress | 76 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Credit Fresh Holdings Inc
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Credit Fresh Holdings Inc, with consumers across the country filing against it. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Charged fees or interest you didn't expect" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Credit Fresh Holdings Inc have?
Credit Fresh Holdings Inc has 584 total consumer complaints filed with the CFPB, with 317 filed in the last 12 months.
Does Credit Fresh Holdings Inc respond to complaints on time?
Credit Fresh Holdings Inc has a 99.5% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Credit Fresh Holdings Inc?
Among all products tied to Credit Fresh Holdings Inc, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Credit Fresh Holdings Inc?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about Credit Fresh Holdings Inc; the full issue list with counts is above.
How do I file a complaint against Credit Fresh Holdings Inc?
You can file a complaint against Credit Fresh Holdings Inc 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 Credit Fresh Holdings Inc?
Credit Fresh Holdings Inc has drawn CFPB complaints from 36 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.