Total CFPB complaints
189
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 189 complaints
Credit Fresh Holdings Inc — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Fresh Holdings Inc
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
56 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
31 complaints
- Communication tactics
Communication tactics
30 complaints
- Written notification about debt 20
Written notification about debt
20 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Threatened to contact someone or share information improperly 12
Threatened to contact someone or share information improperly
12 complaints
F
Grade F · 51.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Credit Fresh Holdings Inc?
Credit Fresh Holdings Inc has accumulated 189 total CFPB complaints across 30 states, with 132 filed in the most recent 12 months against 57 historical complaints before that window. The trailing-12-month volume represents 69.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 30 states, led by Florida with 39 and Texas with 37, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.2/100 places Credit Fresh Holdings Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
132
69.8% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Reputation grade
F
51.2/100 composite
Response-quality profile
How Credit Fresh Holdings Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Fresh Holdings Inc compare to its peers?
Credit Fresh Holdings … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action56 (%)
Attempts to collect debt not owed31 (%)
Communication tactics30 (%)
False statements or representation13 (%)
Written notification about debt20 (%)
Threatened to contact someone or share information improperly12 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 56 |
| Attempts to collect debt not owed | Debt is not yours | 24 |
| Communication tactics | Frequent or repeated calls | 16 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Communication tactics | Used obscene, profane, or other abusive language | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
Where do complaints against Credit Fresh Holdings Inc come from?
The states where consumers have filed the most CFPB complaints against Credit Fresh Holdings Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Fresh Holdings Inc
Across 30 states with at least one filing
- Florida
Florida
39 complaints
- Texas
Texas
37 complaints
- Arizona
Arizona
17 complaints
- South Carolina 15
South Carolina
15 complaints
- Michigan 14
Michigan
14 complaints
- Ohio 11
Ohio
11 complaints
- Washington 8
Washington
8 complaints
- Tennessee 6
Tennessee
6 complaints
Frequently Asked Questions
What is the most common complaint against Credit Fresh Holdings Inc? ▼
The most common issue consumers report about Credit Fresh Holdings Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 189 complaints filed with the CFPB.
Are complaints against Credit Fresh Holdings Inc increasing or decreasing? ▼
Complaints against Credit Fresh Holdings Inc are rising. The company received 132 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Fresh Holdings Inc's reputation grade? ▼
Credit Fresh Holdings Inc has a reputation grade of F (score: 51.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Credit Fresh Holdings Inc respond to consumer complaints? ▼
Credit Fresh Holdings Inc has a 99% timely response rate to CFPB complaints.
In how many states does Credit Fresh Holdings Inc operate? ▼
Credit Fresh Holdings Inc has received CFPB complaints from consumers in 30 states, with the most complaints from Florida (39 complaints).
What can I do if Credit Fresh Holdings Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit Fresh Holdings Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |