CFPB Consumer Complaint Profile
Bread Financial Holdings, Inc.
What 43,446 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 43,446
- Total complaints
- 9,492
- Last 12 months
- 100%
- Timely response
- 57
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Bread Financial Holdings, Inc. has accumulated 43,446 complaints, placing it #21 by volume. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.
- #21
- of 3,848 companies by volume
- 100%
- answered on time
- Credit reporting or …
- most-complained product
- 57
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 48 |
| 2017 | 2,112 |
| 2018 | 2,655 |
| 2019 | 2,666 |
| 2020 | 3,090 |
| 2021 | 4,031 |
| 2022 | 5,349 |
| 2023 | 5,964 |
| 2024 | 6,074 |
| 2025 | 9,379 |
| 2026 | 2,078 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bread Financial Holdings, Inc.
43,446 complaints against Bread Financial Holdings, Inc. appear in the CFPB record, including 9,492 from the trailing year. The 57 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Bread Financial Holdings, Inc. answers 100% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 12.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 43.8% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Bread Financial Holdings, Inc. have?
The CFPB has logged 43,446 complaints against Bread Financial Holdings, Inc. to date, of which 9,492 came in over the last 12 months.
Does Bread Financial Holdings, Inc. respond to complaints on time?
Bread Financial Holdings, Inc. has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Bread Financial Holdings, Inc.?
The most complained-about product for Bread Financial Holdings, Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Bread Financial Holdings, Inc.?
The most common issue reported by consumers about Bread Financial Holdings, Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Bread Financial Holdings, Inc.?
You can file a complaint against Bread Financial Holdings, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bread Financial Holdings, Inc.?
Consumers in 57 states and territories have filed complaints about Bread Financial Holdings, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~43,446)
Also handles Credit reporting or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.