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Data / Consumer complaints / Affirm Holdings, Inc

Affirm Holdings, Inc: 15,784 CFPB consumer complaints in the last 3 years

Affirm Holdings, Inc drew 15,784 consumer complaints in the CFPB database in the three years to November 6, 2026, and 18,607 since 2021. The largest group, 6,420, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 3,946. The company responded on time to 99.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 15,784Complaints, last 3 years
  • 18,607Complaints, all years
  • 99.9%Responded on time
  • 0.0%Closed with relief
  • 11Products
  • Oct 26, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 67,220
20255,454
20242,846
20231,649
20221,008
2021430

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report3,94625%
Attempts to collect debt not owed2,07313.1%
Problem with a company's investigation into an existing problem1,62910.3%
Took or threatened to take negative or legal action1,4279%
Improper use of your report1,2778.1%
Problem when making payments1,2397.8%
Problem with additional add-on products or services6043.8%
Charged fees or interest you didn't expect4773%
Problem with a purchase shown on your statement4442.8%
False statements or representation4322.7%
Getting the loan3992.5%
Written notification about debt3532.2%
Problem with the payoff process at the end of the loan2261.4%
Struggling to pay your loan1310.8%
Communication tactics1130.7%
Electronic communications900.6%
Getting a credit card880.6%
Other features, terms, or problems820.5%
Credit monitoring or identity theft protection services790.5%
Managing an account730.5%
Closing your account480.3%
Problem with fraud alerts or security freezes420.3%
Problem with a lender or other company charging your account390.2%
Problem with a company's investigation into an existing issue350.2%
Trouble using your card350.2%

How the company responded

Company responseComplaintsShare
Closed with explanation15,73599.7%
In progress490.3%

States

StateComplaintsShare
Texas1,84111.7%
California1,81311.5%
Florida1,77011.2%
Georgia1,1137.1%
New York8965.7%
North Carolina6984.4%
Illinois6304%
Pennsylvania5843.7%
New Jersey5653.6%
Maryland4232.7%
South Carolina4232.7%
Arizona4002.5%
Ohio3912.5%
Michigan3592.3%
Virginia3372.1%
Louisiana2871.8%
Alabama2551.6%
Tennessee2511.6%
Massachusetts2251.4%
Nevada2111.3%
Indiana2101.3%
Washington1881.2%
Missouri1771.1%
Mississippi1631%
Connecticut1581%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 26, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
October 25, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 25, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 25, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 24, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.