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.
- 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 →
Response Quality Score
Affirm Holdings, Inc scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
94 / 100 percentile-benchmarked
97% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Affirm Holdings, Inc sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Affirm Holdings, Inc files more complaint volume than 86% of them, and closes complaints with relief more often than 0% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 15,889 · Closed with relief: 0.0%
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