# CRED Technologies dba cred.ai: 30 CFPB complaints

Updated November 10, 2026.

CRED Technologies dba cred.ai drew 30 consumer complaints in the CFPB database in the three years to November 9, 2026, and 49 since 2021. The largest group, 17, was about credit card, and the most common issue was “Problem with a purchase shown on your statement” with 9. The company responded on time to 96.7% of the complaints, and 6.7% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 30
- Complaints, all years: 49
- Responded on time: 96.7%
- Closed with relief: 6.7%
- Products: 4
- Latest received: Oct 9, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 4 |
| 2025 | 10 |
| 2024 | 15 |
| 2023 | 12 |
| 2022 | 6 |
| 2021 | 2 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Credit card](https://specstream.ai/data/consumer-complaints/product/credit-card) | 17 | 56.7% |
| [Checking or savings account](https://specstream.ai/data/consumer-complaints/product/checking-or-savings-account) | 10 | 33.3% |
| [Prepaid card](https://specstream.ai/data/consumer-complaints/product/prepaid-card) | 2 | 6.7% |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 1 | 3.3% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Problem with a purchase shown on your statement | 9 | 30% |
| Managing an account | 6 | 20% |
| Getting a credit card | 2 | 6.7% |
| Opening an account | 2 | 6.7% |
| Other features, terms, or problems | 2 | 6.7% |
| Trouble using the card | 2 | 6.7% |
| Trouble using your card | 2 | 6.7% |
| Advertising and marketing, including promotional offers | 1 | 3.3% |
| Closing an account | 1 | 3.3% |
| Closing your account | 1 | 3.3% |
| Problem with a company's investigation into an existing problem | 1 | 3.3% |
| Problem with a lender or other company charging your account | 1 | 3.3% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 27 | 90% |
| Closed with monetary relief | 2 | 6.7% |
| In progress | 1 | 3.3% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 5 | 16.7% |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 5 | 16.7% |
| [Washington](https://specstream.ai/data/consumer-complaints/state/washington) | 3 | 10% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 2 | 6.7% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 2 | 6.7% |
| [Pennsylvania](https://specstream.ai/data/consumer-complaints/state/pennsylvania) | 2 | 6.7% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 2 | 6.7% |
| [Alabama](https://specstream.ai/data/consumer-complaints/state/alabama) | 1 | 3.3% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 1 | 3.3% |
| [Iowa](https://specstream.ai/data/consumer-complaints/state/iowa) | 1 | 3.3% |
| [Idaho](https://specstream.ai/data/consumer-complaints/state/idaho) | 1 | 3.3% |
| [Kansas](https://specstream.ai/data/consumer-complaints/state/kansas) | 1 | 3.3% |
| [Maryland](https://specstream.ai/data/consumer-complaints/state/maryland) | 1 | 3.3% |
| [New Jersey](https://specstream.ai/data/consumer-complaints/state/new-jersey) | 1 | 3.3% |
| [Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee) | 1 | 3.3% |
| [Utah](https://specstream.ai/data/consumer-complaints/state/utah) | 1 | 3.3% |

## Latest 30 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 9, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | In progress | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29558854) |
| June 26, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23618666) |
| April 14, 2026 | Checking or savings account | Opening an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21230487) |
| February 18, 2026 | Credit card | Closing your account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19577619) |
| August 15, 2025 | Checking or savings account | Opening an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15324424) |
| July 23, 2025 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14839364) |
| July 3, 2025 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14446259) |
| June 11, 2025 | Prepaid card | Trouble using the card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14012232) |
| May 31, 2025 | Prepaid card | Trouble using the card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13818388) |
| April 15, 2025 | Credit card | Trouble using your card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12993763) |
| March 22, 2025 | Checking or savings account | Closing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12602728) |
| March 18, 2025 | Credit card | Getting a credit card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12543891) |
| March 6, 2025 | Credit card | Trouble using your card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12337493) |
| January 23, 2025 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11739492) |
| December 7, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11066649) |
| September 7, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10055633) |
| August 30, 2024 | Checking or savings account | Managing an account | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9968969) |
| August 15, 2024 | Credit card | Advertising and marketing, including promotional offers | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9813171) |
| July 24, 2024 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9608931) |
| July 2, 2024 | Credit card | Other features, terms, or problems | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9405682) |
| June 25, 2024 | Credit card | Other features, terms, or problems | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9331531) |
| May 24, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9091151) |
| May 9, 2024 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8962008) |
| April 9, 2024 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8736393) |
| March 17, 2024 | Checking or savings account | Managing an account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8563900) |
| March 9, 2024 | Credit card | Getting a credit card | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8504762) |
| February 12, 2024 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8332338) |
| January 31, 2024 | Checking or savings account | Managing an account | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8251011) |
| January 12, 2024 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8189233) |
| December 8, 2023 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7973608) |

## Also on SpecStream

- [Every company with Credit card complaints](https://specstream.ai/data/consumer-complaints/product/credit-card)
- [Every company with Checking or savings account complaints](https://specstream.ai/data/consumer-complaints/product/checking-or-savings-account)
- [Every company with Prepaid card complaints](https://specstream.ai/data/consumer-complaints/product/prepaid-card)
- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Consumer complaints in California](https://specstream.ai/data/consumer-complaints/state/california)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [Consumer complaints in Washington](https://specstream.ai/data/consumer-complaints/state/washington)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).