Bread Financial Holdings, Inc.
Aug 13, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with explanationCFPB #25301160
CFPB Consumer Complaints
Consumer complaints in Houston, Texas
Browse public submissions by company, then narrow them by financial product. Each record is a consumer report and company response—not a court judgment or a finding of wrongdoing.
19,801 location records267 companiesLatest: Aug 27, 2026
Selected company:Bread Financial Holdings, Inc.
Matching complaints
23
Records for Bread Financial Holdings, Inc.
Companies
267
Distinct companies in this location
Timely responses
100%
Location-wide reported rate
Latest record
Aug 27, 2026
Based on complaint received date
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All companiesView the latest recordsTRANSUNION INTERMEDIATE HOLDINGS, INC.225 complaintsExperian Information Solutions Inc.138 complaintsEQUIFAX, INC.117 complaintsCL Holdings LLC2 complaintsPortfolio Recovery Associates, LLC2 complaintsAffirm Holdings, Inc1 complaintsBread Financial Holdings, Inc.1 complaintsCCS Financial Services, Inc.1 complaintsEarly Warning Services, LLC1 complaintsKikoff Inc.1 complaintsKriya Capital, LLC1 complaintsMOHELA1 complaints
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Public records
Bread Financial Holdings, Inc. complaints
Showing 1–23 of 23
| Company | Date | Product | Issue | Company response | ID |
|---|---|---|---|---|---|
| Bread Financial Holdings, Inc. | Aug 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with explanation | 25301160 |
| Bread Financial Holdings, Inc. | Aug 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with explanation | 25154686 |
| Bread Financial Holdings, Inc. | Aug 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your reportInformation belongs to someone else | Closed with monetary relief | 25138451 |
| Bread Financial Holdings, Inc. | Aug 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with explanation | 25125602 |
| Bread Financial Holdings, Inc. | Aug 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with explanation | 25123987 |
| Bread Financial Holdings, Inc. | Aug 7, 2026 | Credit card | Advertising and marketing, including promotional offersConfusing or misleading advertising about the credit card | Closed with explanation | 25100603 |
| Bread Financial Holdings, Inc. | Aug 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress | 25083739 |
| Bread Financial Holdings, Inc. | Jul 27, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your reportInformation belongs to someone else | Closed with explanation | 24639435 |
| Bread Financial Holdings, Inc. | Jul 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with non-monetary relief | 24634400 |
| Bread Financial Holdings, Inc. | Jul 17, 2026 | Credit card | Fees or interestProblem with fees | Closed with explanation | 24292295 |
| Bread Financial Holdings, Inc. | Jul 11, 2026 | Credit card | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Closed with explanation | 24136071 |
| Bread Financial Holdings, Inc. | Jul 9, 2026 | Credit card | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Closed with explanation | 24029575 |
| Bread Financial Holdings, Inc. | Jul 6, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Closed with explanation | 23905805 |
| Bread Financial Holdings, Inc. | Jul 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | 23902171 |
| Bread Financial Holdings, Inc. | Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with non-monetary relief | 23518186 |
| Bread Financial Holdings, Inc. | Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with non-monetary relief | 23518096 |
| Bread Financial Holdings, Inc. | Jun 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with non-monetary relief | 23518139 |
| Bread Financial Holdings, Inc. | May 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with non-monetary relief | 22528134 |
| Bread Financial Holdings, Inc. | May 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Closed with non-monetary relief | 22528025 |
| Bread Financial Holdings, Inc. | Mar 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Closed with explanation | 19881281 |
| Bread Financial Holdings, Inc. | Jan 2, 2026 | Credit card | Getting a credit cardCard opened without my consent or knowledge | Closed with monetary relief | 18422235 |
| Bread Financial Holdings, Inc. | Jun 16, 2025 | Credit reporting or other personal consumer reports | Improper use of your reportCredit inquiries on your report that you don't recognize | Closed with explanation | 14102374 |
Bread Financial Holdings, Inc.
Aug 10, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with explanationCFPB #25154686
Bread Financial Holdings, Inc.
Aug 9, 2026Credit reporting or other personal consumer reports
Incorrect information on your report
Information belongs to someone else
Closed with monetary reliefCFPB #25138451
Bread Financial Holdings, Inc.
Aug 8, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with explanationCFPB #25125602
Bread Financial Holdings, Inc.
Aug 8, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with explanationCFPB #25123987
Bread Financial Holdings, Inc.
Aug 7, 2026Credit card
Advertising and marketing, including promotional offers
Confusing or misleading advertising about the credit card
Closed with explanationCFPB #25100603
Bread Financial Holdings, Inc.
Aug 5, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
In progressCFPB #25083739
Bread Financial Holdings, Inc.
Jul 27, 2026Credit reporting or other personal consumer reports
Incorrect information on your report
Information belongs to someone else
Closed with explanationCFPB #24639435
Bread Financial Holdings, Inc.
Jul 27, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with non-monetary reliefCFPB #24634400
Bread Financial Holdings, Inc.
Jul 17, 2026Credit card
Fees or interest
Problem with fees
Closed with explanationCFPB #24292295
Bread Financial Holdings, Inc.
Jul 11, 2026Credit card
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
Closed with explanationCFPB #24136071
Bread Financial Holdings, Inc.
Jul 9, 2026Credit card
Problem with a purchase shown on your statement
Credit card company isn't resolving a dispute about a purchase on your statement
Closed with explanationCFPB #24029575
Bread Financial Holdings, Inc.
Jul 6, 2026Credit reporting or other personal consumer reports
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
Closed with explanationCFPB #23905805
Bread Financial Holdings, Inc.
Jul 6, 2026Payday loan, title loan, personal loan, or advance loan
Charged fees or interest you didn't expect
Closed with explanationCFPB #23902171
Bread Financial Holdings, Inc.
Jun 24, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with non-monetary reliefCFPB #23518186
Bread Financial Holdings, Inc.
Jun 24, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with non-monetary reliefCFPB #23518096
Bread Financial Holdings, Inc.
Jun 24, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with non-monetary reliefCFPB #23518139
Bread Financial Holdings, Inc.
May 25, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with non-monetary reliefCFPB #22528134
Bread Financial Holdings, Inc.
May 25, 2026Debt collection
Took or threatened to take negative or legal action
Threatened or suggested your credit would be damaged
Closed with non-monetary reliefCFPB #22528025
Bread Financial Holdings, Inc.
Mar 1, 2026Debt collection
Attempts to collect debt not owed
Debt is not yours
Closed with explanationCFPB #19881281
Bread Financial Holdings, Inc.
Jan 2, 2026Credit card
Getting a credit card
Card opened without my consent or knowledge
Closed with monetary reliefCFPB #18422235
Bread Financial Holdings, Inc.
Jun 16, 2025Credit reporting or other personal consumer reports
Improper use of your report
Credit inquiries on your report that you don't recognize
Closed with explanationCFPB #14102374
What this data means
A complaint is a report, not a legal finding
The CFPB sends eligible complaints to companies for response and publishes selected fields after steps intended to protect personal information. Complaint volume should be considered alongside company size, market share, products, and customer base.
ZIP codes are mapped to a city for navigation. Location can reflect information supplied with the complaint and may not identify where every event occurred. Always confirm a specific record with the CFPB.
Data Source
Consumer Financial Protection Bureau
Data is attributed to the original government publisher. Find Nearby Lawyer does not own or independently adjudicate these records.
- Dataset
- Consumer Complaint Database
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- See source
- Original source
- View government dataset ↗
Related legal information
What can you do about a financial complaint?
Keep contracts, statements, letters, call logs, dispute results, and proof of payment. Credit-reporting, debt-collection, mortgage, foreclosure, and bankruptcy matters can involve different laws and deadlines.
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A complaint record does not establish a legal claim. A qualified lawyer can evaluate debt collection, credit reporting, mortgage, foreclosure, bankruptcy, and other consumer-law questions.