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

Data updated July 2026

F

Grade F · 51.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Credit Fresh Holdings Inc ranks ahead of 17% of the 5,283 collectors PlainCollector grades - 83% keep a cleaner CFPB record, on 280 all-time complaints and a 99% timely-response rate.

17th pct
reputation rank of 5,283 graded collectors
280
CFPB complaints, all-time
99%
answered inside the CFPB window
203
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Credit Fresh Holdings Inc?

Credit Fresh Holdings Inc has accumulated 280 total CFPB complaints across 34 states, with 203 filed in the most recent 12 months against 77 historical complaints before that window. The trailing-12-month volume represents 72.5% 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". The company posts a 99% timely-response rate.

Complaints have been recorded across 34 states, led by Texas with 66 and Florida with 50. Normalized against the full CFPB collector database, the reputation score of 51.2/100 places Credit Fresh Holdings Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

280

mid-volume (CCDB)

Last 12 months

203

72.5% of all-time complaints

Rising ↑

States active

34

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

F

51.2/100 composite

How does Credit Fresh Holdings Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

51 Bottom 17% higher than 17% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Credit Fresh Holdings Inc versus the debt-collection vertical average.

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 60.7%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Credit Fresh Holdings … 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Credit Fresh Holdings Inc contacts you

A grade of F signals how Credit Fresh Holdings Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Credit Fresh Holdings Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Credit Fresh Holdings Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 280 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 203 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 34 states, with the most complaints from Texas (66 complaints).

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

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.