CFPB · Lower closed-with-relief share
Affirm Holdings, Inc
15.9K CFPB complaints · 0% relief (low band) · top issue Incorrect information on your report.
Affirm Holdings, Inc closes 0% with relief (lower third) on 15.9K filings. Timely 99.9% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Volume rank #49 of 342
- Lower closed-with-relief share
- +946.7% filings 2021 to 2026
CFPB relief outcome brief
CCDB company affirm-holdings-inc
0% relief · 99.9% timely · 15.9K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Affirm Holdings, Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 15.9K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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
Heavy-volume mix: how Affirm Holdings, Inc's 15.9K complaints split across CFPB product categories. Resolution badge = % closed with 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 |
Nationwide filing states for Affirm Holdings, Inc
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 11.7% of this company's filings
Affirm Holdings, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4.5K
- +946.7% vs 2021
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
Affirm Holdings, Inc in the lower-relief third
Affirm Holdings, Inc's 15,889 logged complaints reach a nationwide footprint - 56 states have at least one filing. Only 35.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2021 through 2026-06-26. Closed-with-relief 0% sits in the lower third of the corpus.
Affirm Holdings, Inc closes 0% with monetary or non-monetary relief and answers 99.9% inside the CFPB window; 97% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Credit reporting or other personal consumer reports" · top issue "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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Affirm Holdings, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 15.9K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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.
Data sourced from official public datasets for Affirm Holdings, Inc (#49 of 342; 99.9% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lower closed-with-relief share