Affirm Holdings, Inc Consumer Complaints
Affirm Holdings, Inc has received 14,796 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 14,796 total complaints on file with the CFPB.
- Most complaints are about Credit reporting or other personal consumer reports (5,398).
- Timely response rate: 99.9%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Affirm Holdings, Inc break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit reporting or other personal consumer reports | 5,398 | 36.5% |
| Debt collection | 4,055 | 27.4% |
| Payday loan, title loan, personal loan, or advance loan | 2,445 | 16.5% |
| Credit reporting, credit repair services, or other personal consumer reports | 1,123 | 7.6% |
| Credit card | 709 | 4.8% |
| Payday loan, title loan, or personal loan | 594 | 4.0% |
| Checking or savings account | 159 | 1.1% |
| Credit card or prepaid card | 132 | 0.9% |
| Money transfer, virtual currency, or money service | 115 | 0.8% |
| Debt or credit management | 35 | 0.2% |
| Prepaid card | 17 | 0.1% |
| Student loan | 8 | 0.1% |
| Vehicle loan or lease | 4 | 0.0% |
| Mortgage | 2 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Affirm Holdings, Inc.
Company Response Breakdown
When consumers file complaints, Affirm Holdings, Inc responds in one of several ways. The breakdown below shows how Affirm Holdings, Inc has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 14,784 | 99.9% |
| In progress | 11 | 0.1% |
| Closed with monetary relief | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Affirm Holdings, Inc.
| State | Complaints |
|---|---|
| California | 1,704 |
| Florida | 1,665 |
| Texas | 1,620 |
| Georgia | 1,094 |
| New York | 866 |
| North Carolina | 631 |
| Pennsylvania | 587 |
| Illinois | 580 |
| New Jersey | 498 |
| Maryland | 447 |
| Ohio | 396 |
| South Carolina | 369 |
| Arizona | 364 |
| Michigan | 348 |
| Virginia | 328 |
| Louisiana | 250 |
| Alabama | 247 |
| Tennessee | 236 |
| Massachusetts | 208 |
| Nevada | 208 |
Your Rights
What to do if you have a complaint against Affirm Holdings, Inc
- Contact Affirm Holdings, Inc directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Affirm Holdings, Inc have?
Affirm Holdings, Inc has 14,796 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Affirm Holdings, Inc?
The most common issue reported is Incorrect information on your report with 3,901 complaints.
-
How do I file a complaint against Affirm Holdings, Inc?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Affirm Holdings, Inc respond to complaints on time?
Affirm Holdings, Inc has a 99.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.