CFPB Consumer Complaint Profile
Affirm Holdings, Inc
What 13,028 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 13,028
- Total complaints
- Among the highest
- 6,037
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 54
- States affected
The verdict
13,028 CFPB complaints put Affirm Holdings, Inc at #51 out of 3,843 financial companies ranked by complaint volume. It posts a 99.9% on-time response rate, the 82nd percentile among companies with 100+ complaints.
- #51
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Credit reporting or …
- most-complained product
- 54
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Affirm Holdings, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 2,846 in 2024 to 5,454 in 2025 (2024 → 2025).
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 |
|---|---|
| 2021 | 430 |
| 2022 | 1,008 |
| 2023 | 1,649 |
| 2024 | 2,846 |
| 2025 | 5,454 |
| 2026year in progress | 1,641 |
Complaints by State (Top 15)
Company Responses
Affirm Holdings, Inc Complaint Concentration Profile
Affirm Holdings, Inc is a high-volume CFPB cohort (13,028 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 49 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Debt collection, Payday loan, title loan, personal loan, or advance loan) hold a 67.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.194 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Attempts to collect debt not owed, Improper use of your report) cover a 53.7% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, Texas) hold a 33.3% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 99.9% share among the 13,028 response-tagged complaints (13,018 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (5,454 complaints); the lightest year on file was 2021 (430). From 2024 to 2025, annual volume rose 91.6% (2,846 → 5,454). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Affirm Holdings, Inc
The CFPB Consumer Complaint Database has logged 13,028 complaints against Affirm Holdings, Inc overall, with 6,037 of those filed in the trailing 12 months. Reports have come from consumers in 54 states and territories, making this a nationwide complaint footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
Affirm Holdings, Inc's timely response rate stands at 99.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to 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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Affirm Holdings, Inc have?
13,028 complaints have been filed against Affirm Holdings, Inc with the CFPB overall - 6,037 of them in the past year.
Does Affirm Holdings, Inc respond to complaints on time?
CFPB complaints against Affirm Holdings, Inc draw a 99.9% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Affirm Holdings, Inc?
The most complained-about product for Affirm 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 Affirm Holdings, Inc?
Consumers most often cite "Incorrect information on your report" when complaining about Affirm Holdings, Inc; the full issue list with counts is above.
How do I file a complaint against Affirm Holdings, Inc?
You can file a complaint against Affirm 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 Affirm Holdings, Inc?
Consumers in 54 states and territories have filed complaints about Affirm 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Affirm Holdings, Inc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (13,028 here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.