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 2026-05-15
- 13,028
- Total complaints
- 6,037
- Last 12 months
- 99.9%
- Timely response
- 54
- States affected
The verdict
13,028 CFPB complaints put Affirm Holdings, Inc at #51 out of 3,848 financial companies ranked by complaint volume. It answers 99.9% of complaints on time - above the 93% median for companies with 100+ complaints.
- #51
- of 3,848 companies by volume
- 99.9%
- answered on time
- Credit reporting or …
- most-complained product
- 54
- 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 |
|---|---|
| 2021 | 430 |
| 2022 | 1,008 |
| 2023 | 1,649 |
| 2024 | 2,846 |
| 2025 | 5,454 |
| 2026 | 1,641 |
Complaints by State (Top 15)
Company Responses
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. Of complaints that were resolved, 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 (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 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?
99.9% of the CFPB complaints against Affirm Holdings, Inc get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~13,028)
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.