This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 280 complaints

Credit Fresh Holdings Inc - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade F.

Complaints by issue type

What consumers report about Credit Fresh Holdings Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record credit-fresh-holdings-inc Credit Fresh Holdings Inc

Grade F · 280 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action · vol #419 · compose #435

  • VOL 280
  • GRADE F
  • 12MO 203
  • STATES 34
  • TIMELY 99%
  • ISSUE Took or threatened to take…
  • RANK #419
  • COMPOSE #435

Volume peers

Nearest volume peer: Persolve, LLC - Legal - Series 2 (280 complaints)

Persolve, LLC - Legal - Series 2Persolve, LLC - Legal - Seri…280Tate and Kirlin AssocTate and Kirlin Assoc280Credit Fresh Holdings Inc (this)Credit Fresh Holdings Inc (t…280Credit Service International CorpCredit Service International…281Javitch, Block & Rathbone LLCJavitch, Block & Rathbone LLC281
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Fresh Holdings Inc's 280 CFPB complaints sit next to Persolve, LLC - Legal - Series 2 on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 280 complaints break down

Every complaint issue type on record for Credit Fresh Holdings Inc, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.8/100
Credit Fresh Holdings Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
280
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Texas is the plurality state for Credit Fresh Holdings Inc (23.6%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 23.6%
Mid-band (15–30%) · 34 states with ≥1 filing
Seasonal peak
2026-01 10.3%
8–15% band · 19 filings
Corpus ranks
#419 volume
#435 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Credit Fresh Holdings Inc compare to its peers?

How does Credit Fresh Holdings Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Credit Fresh Holdings Inc National average
Complaints (last 12 mo)lower is better
203
5
268
Timely-response ratehigher is better
99%
87%
91%
Consumer-dispute ratelower is better
0%
37%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Credit Fresh Holdings Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Credit Fresh Holdings Inc vs. 10 similar-volume peers, by response speed and dispute rate Persolve, LLC - Legal - Series 2Tate and Kirlin AssocTelerecovery CorporationJavitch, Block & Rathbone LLCCredit Service International CorpCredit Bureau Systems, Inc., Paducah, KY BranchProfessional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO BranchPerfection CollectionN.A.R., Inc.M&T BANK CORPORATION
Source: CFPB Consumer Complaint Database

Credit Fresh Holdings Inc's complaint volume in context

Credit Fresh Holdings Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

280 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Credit Fresh Holdings Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
118
Attempts to collect debt not owed
52
Communication tactics
38
Written notification about debt
26
Threatened to contact someone or share information improperly
23
False statements or representation
19
Electronic communications
4

Where do complaints against Credit Fresh Holdings Inc come from?

Credit Fresh Holdings Inc's own per-state count, not a national baseline.

Top states by complaints against Credit Fresh Holdings Inc

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Fresh Holdings Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 280.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.94179894179894%.

4 peers

Know your rights before responding to Credit Fresh Holdings Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.