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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 7,220 |
| 2025 | 5,454 |
| 2024 | 2,846 |
| 2023 | 1,649 |
| 2022 | 1,008 |
| 2021 | 430 |
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.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 6,420 | 40.7% |
| Debt collection | 4,513 | 28.6% |
| Payday loan, title loan, personal loan, or advance loan | 3,618 | 22.9% |
| Credit card | 903 | 5.7% |
| Checking or savings account | 147 | 0.9% |
| Money transfer, virtual currency, or money service | 98 | 0.6% |
| Debt or credit management | 47 | 0.3% |
| Prepaid card | 24 | 0.2% |
| Student loan | 8 | 0.1% |
| Vehicle loan or lease | 5 | 0.1% |
| Mortgage | 1 | 0.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 3,946 | 25% |
| Attempts to collect debt not owed | 2,073 | 13.1% |
| Problem with a company's investigation into an existing problem | 1,629 | 10.3% |
| Took or threatened to take negative or legal action | 1,427 | 9% |
| Improper use of your report | 1,277 | 8.1% |
| Problem when making payments | 1,239 | 7.8% |
| Problem with additional add-on products or services | 604 | 3.8% |
| Charged fees or interest you didn't expect | 477 | 3% |
| Problem with a purchase shown on your statement | 444 | 2.8% |
| False statements or representation | 432 | 2.7% |
| Getting the loan | 399 | 2.5% |
| Written notification about debt | 353 | 2.2% |
| Problem with the payoff process at the end of the loan | 226 | 1.4% |
| Struggling to pay your loan | 131 | 0.8% |
| Communication tactics | 113 | 0.7% |
| Electronic communications | 90 | 0.6% |
| Getting a credit card | 88 | 0.6% |
| Other features, terms, or problems | 82 | 0.5% |
| Credit monitoring or identity theft protection services | 79 | 0.5% |
| Managing an account | 73 | 0.5% |
| Closing your account | 48 | 0.3% |
| Problem with fraud alerts or security freezes | 42 | 0.3% |
| Problem with a lender or other company charging your account | 39 | 0.2% |
| Problem with a company's investigation into an existing issue | 35 | 0.2% |
| Trouble using your card | 35 | 0.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 15,735 | 99.7% |
| In progress | 49 | 0.3% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 1,841 | 11.7% |
| California | 1,813 | 11.5% |
| Florida | 1,770 | 11.2% |
| Georgia | 1,113 | 7.1% |
| New York | 896 | 5.7% |
| North Carolina | 698 | 4.4% |
| Illinois | 630 | 4% |
| Pennsylvania | 584 | 3.7% |
| New Jersey | 565 | 3.6% |
| Maryland | 423 | 2.7% |
| South Carolina | 423 | 2.7% |
| Arizona | 400 | 2.5% |
| Ohio | 391 | 2.5% |
| Michigan | 359 | 2.3% |
| Virginia | 337 | 2.1% |
| Louisiana | 287 | 1.8% |
| Alabama | 255 | 1.6% |
| Tennessee | 251 | 1.6% |
| Massachusetts | 225 | 1.4% |
| Nevada | 211 | 1.3% |
| Indiana | 210 | 1.3% |
| Washington | 188 | 1.2% |
| Missouri | 177 | 1.1% |
| Mississippi | 163 | 1% |
| Connecticut | 158 | 1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 26, 2026 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| October 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 25, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Took or threatened to take negative or legal action | In progress | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Debt collection | Attempts to collect debt not owed | In progress | consumerfinance.gov |
| October 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | In progress | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
Also on SpecStream
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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.