Affirm Holdings, Inc
15.9K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Affirm Holdings, Inc complaint mix by product
- Credit reporting 6K 36.8% – 0% relief
- Debt collection 5K 29.3% – 0% relief
- Payday loan, 3K 17.0% – 0% relief
- Credit reporting, 1K 7.2% – 0% relief
- Credit card 743 4.8% – 0% relief
- Payday loan, 594 3.8% – 0% relief
- Checking or 166 1.1% – 0% relief
How Affirm Holdings, Inc's 15.9K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 5.7K |
| Debt collection | 4.6K |
| Payday loan, title loan, personal loan, or advance loan | 2.7K |
| Credit reporting, credit repair services, or other personal consumer reports | 1.1K |
| Credit card | 743 |
| Payday loan, title loan, or personal loan | 594 |
| Checking or savings account | 166 |
| Credit card or prepaid card | 132 |
| Money transfer, virtual currency, or money service | 116 |
| Debt or credit management | 38 |
| Prepaid card | 17 |
| Student loan | 8 |
| Vehicle loan or lease | 4 |
| Mortgage | 2 |
Top States
| State | Complaints |
|---|---|
| CA | 1.9K |
| TX | 1.8K |
| FL | 1.8K |
| GA | 1.2K |
| NY | 936 |
| NC | 679 |
| PA | 633 |
| IL | 617 |
| NJ | 532 |
| MD | 479 |
| OH | 427 |
| AZ | 413 |
| SC | 396 |
| MI | 360 |
| VA | 342 |
| LA | 263 |
| AL | 259 |
| TN | 247 |
| MA | 226 |
| NV | 221 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 4.1K |
| Attempts to collect debt not owed | 2.1K |
| Problem with a company's investigation into an existing problem | 1.4K |
| Took or threatened to take negative or legal action | 1.4K |
| Improper use of your report | 1.4K |
| Problem when making payments | 930 |
| Problem with additional add-on products or services | 518 |
| Charged fees or interest you didn't expect | 467 |
| Problem with a purchase shown on your statement | 410 |
| False statements or representation | 394 |
| Written notification about debt | 376 |
| Getting the loan | 374 |
| Problem with a credit reporting company's investigation into an existing problem | 270 |
| Problem with the payoff process at the end of the loan | 246 |
| Communication tactics | 135 |
| Struggling to pay your loan | 131 |
| Getting a credit card | 108 |
| Credit monitoring or identity theft protection services | 92 |
| Managing an account | 85 |
| Electronic communications | 81 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 430 | 99.3% |
| 2022 | 1.0K | 99.7% |
| 2023 | 1.6K | 100% |
| 2024 | 2.8K | 99.9% |
| 2025 | 5.5K | 99.9% |
| 2026 | 4.5K | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Affirm Holdings, Inc
Affirm Holdings, Inc's 15,889 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. Only 35.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2021 through 2026-06-26.
Affirm Holdings, Inc answers 99.9% of complaints inside the CFPB's tracked window and closes 97% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Affirm Holdings, Inc.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Affirm Holdings, Inc have?
15,889, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Affirm Holdings, Inc respond to complaints on time?
99.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Affirm Holdings, Inc?
"Incorrect information on your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.